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chamrick@kwcharleston.com
(843)870-3505
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Request Custom
Market Report -
Request Information Packet
SERVICES PROVIDED TO BUYERS
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Provide
detailed market reports via E-mail that are tailored
specifically to your criteria, needs and desires. Click
HERE
to request a Customized Market Report or simply contact me.
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Automated
E-updates which allow buyers to follow the real estate market
for your area(s) of interest. Stay ahead of other buyers!
These updates are e-mailed to you anytime there is a new listing
or market activity involving a property that meets your
criteria.
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Provide
plats, lot dimensions, and other information for specific
properties of interest.
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Provide
answers that relate to questions specific to owning coastal and
island property.
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Provide a Comparitive Market
Analysis (CMA) that analyzes the prices of recently sold homes
that are similar in terms of location, style and amenities.
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Coordinate
showings and accompany clients to properties.
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Preview
properties for out of town clients and e-mail extensive photos
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Provide sound professional
advice throughout search and negotiating processes.
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Provide constant feedback and
updates
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Provide
access to insurance agents, home inspectors, real estate
attorneys, mortgage lenders, contractors, architects and other
professionals our company knows and trusts to ensure that your
real estate purchase goes smoothly.
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Coordinate
and negotiate inspections, as well as working with lenders and
closing attorneys through closing.
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No costs are involved. . .
all of my services to buyers are free.
TIPS FOR BUYERS
When you start thinking about buying a home, you’re likely to feel
excited and confident, but also anxious at the same time. Don’t
worry, it’s normal. Buying home is a big decision. There is so much
to understand – How much can I afford? What is the right price range
for my budget? Who can help me find the perfect home and guide me
through the negotiating process?
It is important to review your personal finances and budget.
Consider the costs that go into buying a home such as a down payment
and closing costs.
The next thing to consider is “Why Should I Buy?” There are many
reasons why buying makes sense:
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Owning a home
can cost the same as renting
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You can build
equity value
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You may be
able to deduct the interest on your home loan from your federal
and sometimes state income taxes
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You may be
able to use your equity as an asset to qualify for loans & other
types of credit
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Owning a home
can be an excellent investment over time
The next step is
generally meeting with a mortgage consultant to get pre-qualified-
even before you start your home search. Your mortgage advisor will
help you determine what you can afford. Buying a home is a process
of constantly balancing the dream and the reality. With so many loan
options available, your mortgage consultant will strive to
understand and meet your financial objectives and assist with
finding the right product fit for you. There are many products
available that allow for 100% financing.
Once your price range has been established and you have been
pre-approved, your real estate agent will guide you through the
selection and purchase process.
It is crucial to have an agent represent you for a number of
reasons. As a rule, your agent will have a thorough knowledge of the
local market to not only find exactly what you are looking for, but
most importantly to ensure you pay market value for that property.
Real estate agents have first hand access to properties as they
become available. They will assist you in organizing showings,
comparing properties and establishing value, researching
information, drawing up the purchase agreement, and negotiating your
offer. Agents maintain important contacts like home inspectors,
contractors and closing attorneys to help coordinate a smooth
closing process. Your agent will work with you from beginning to
end, so they are in a great position to answer questions, to advise
you and to help you keep up with the details along the way.
Remember, buyer representation is FREE! You protect your investment
at no cost to you.
With careful planning and by surrounding yourself with a team of
“experts,” you feel
confident and comfortable when approaching the closing table. Good
real estate agents and mortgage consultants are interested in
developing life-long relationships. Good luck!!
“Tips” provided
by:
Dustin Valinski
Mortgage Loan Consultant
Wachovia Mortgage Corporation
16 Broad Street
Charleston, SC 29401
Tel: 843-577-8349 / 800-868-2425
Mobile: 843-452-2151 Fax: 843-577-8332
E-mail:
dustin.valinski@wachovia.com
click here for for more mortgage information
Return On
Investments
A Return
On Investment (ROI) helps estimate carrying costs and net proceeds
from sale for a specific property. This is an extremely beneficial
tool when investing in real estate, especially property that will
generate income from short-term or long-term rentals.
An ROI takes into account interest rates, your loan-to-value ratio,
taxes, rental income, insurance, and any property management fees.
It also includes expenses such as regime fees, utilities, yard care,
pest control, and any other expenses you wish to include.
We use three different appreciation rates in our analysis. . . 5%,
7%, and 10%. . . in order to illustrate different scenarios.
This is a client-level service I provide. Once we have zeroed in on
a particular property, this analysis is extremely helpful in the
decision process. If you are interested in more than one property,
an ROI can provide a good comparison.
click here for
more investor information
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