Many homebuyers apply for a loan and are either pre-qualified or pre-approved before they find the home they want to buy. Have you ever wondered what the differences are between pre-qualification and pre-approval and what the benefits of each are? Pre-qualification is a simple process. The buyer is asked specific questions about their income, assets, and liabilities. Based on this information, they are provided with an amount for which they may qualify. This process can be done strictly on a verbal level. Pre-qualifying will help you in the following ways:
1. Generally, interest rates are locked in for a set period of time. You will know in advance exactly what your payments will be on offers you choose to make.
2. You won’t waste time considering homes you cannot afford.
Pre-approval, on the other hand, is a much more involved process. But the extra worth is worth it, because a pre-approved buyer is one who is actually approved for a loan of a certain amount. The borrower will provide proof of income, assets, and liabilities, and
this information will be verified by the lender. Because of this verification, pre-approved
buyers are much more attractive to sellers than pre-qualified buyers.
Pre-approval will help you in the following ways:
1. A seller may choose to make concessions if they know that your financing is
secured. You are like a cash buyer, and this may make your offer more
competitive.
2. You can select the best loan package without being under pressure.
To get a pre-qualification letter or to be pre-approved, or just to learn more about either process.
contact me today at 803-319-2703. Visit here to search for your next Home
Great Home for a First time home buyer or Investor. 3BD/2BR home, with bay windows in kitchen, fire place and Front Porch. Located minutes form Interstate, resturants and Fort Jackson. For Only $86,000 Contact me today for more information
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A Must see 3BD RM/2BR Home with hardwood floors; stainless steel appliances, double vanity with garden tub in master bath, lots of cabinet space.Homes buyers. Huge back yard with Deck. Great home for First Time Buyers. For ONLY $98,000
Visit this link to view this home
• 1,591 sq. ft., 2 bath, 3 bdrm single story - 
MLS® $98,000
Quail Pointe, Columbia - A Must see 3BD RM/2BR Home with hardwood floors; stainless steel appliances, double vanity with garden tub in master bath, lots of cabinet space.Homes buyers. Huge back yard with Deck. Great home for First Time Home Buyers
Property information
While some buyers are still waiting for the housing market to go lower, many Buyers are Purchasing and taking advantage of the incentives to make a purchase this year. Interest rates are around 5% which means money is less expensive to borrow than it was this time last year. You may be eligible to receive an $8,000 tax credit for purchases made before December 1, 2009. With lower interest rates and the $8,000 tax credit makes it a great time to buy. Contact me today to let me know the type home you are looking for or search for homes for sale on this site. The time is right.
Begin your Home Search Below.
First Time Home Buyers time is running out to take advantage of the $8000.00 Tax Credit. This is money that you don't have to pay back if you are a First Time Home Buyer. I have access to hundreds of homes for sale in Columbia that you can purchase to take advantage of the Tax credit and low interest rate. Contact me today for more details.
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• 2,410 sq. ft., 3 bath, 5 bdrm single story - $199,950
Mason Ridge, Columbia - Immaculate 5 BR, 3 Full BA, Master w/double vanity, Jacuzzi & walk-in closet. Beautiful kitchen w/breakfast area & New stainless steel appliances; alarm; Huge fenced-in backyard w/deck. 2-car garage w/ automatic door opener, automatic underground sprinklers, Great schools. Contact me today
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The Time Has Come!
Come celebrate with us
Saturday June 20, 2009
from 9:00 AM to 1 PM as
we launch Pastor Renaldo Turner's new book
Fatherless: The Broken Relationship Destroying America And How To Turn The Tide.
This awesome party / book-signing will be the release of this timely book, which is destined to change the lives of children and men around the world. The book encourages the restoration of relationships between fathers and children that God may begin to heal the father wounds that so many in our society suffer from; the wounds that lead to so much of our crime, teen pregnancy, gang violence and more.
It is Pastor Turner's vision to sow one copy of the book into the life of an incarcerated man for each copy sold. So please come out Saturday, June 20, purchase a copy of the book for yourself and one for another man you know. Who knows the impact the gift could have in the lives of his family?
Out of State?
Starting Wednesday the 17th, the book will be on sale through this website
So make your plans to join Pastor Turner and us Saturday, June 20th, and celebrate what God is going to do in the lives of the Fatherless.
Click here to view a copy of this great book
The launch party will take place here at the church at:
438 Rabon RD
Columbia SC 292223
If you are interested in pre-order a copy of Fatherless email us
changinglives@belsouth.net
Check out these great deals on Brand New Homes For sale in Columbia SC and minutes away from Fort Jackson. Great Bulider Incentives on these Homes. Recieved up $5000 that you can used in options or towards closing cost. Contact me for free email listings
NOW
$158,905!!
The Daufuskie Island, loaded with full sod,irrigation,gd opener, blinds, tankless water heater, eat-in kitchen complete w/ 42" cabs and granite countertops. HW's in foyer and DR. Huge Laundry. Large secondary bedrooms. Master offers 2 walk ins, seperate tub & shower, dbl vanities (granite). $5000 in Option Money!!!!
Now:
$150,860!
Large formal DR, open kitchen with Island breaks into great room, plus additional LOFT upstairs. Upgraded cabs. in kitchen, granite countertops, tankelss water heater, gd opener, full sod, full sprinkler. Master suite features dbl. vanities, walk-in closet, garden tub . Granite counters, full sod, full sprinkler, tankless water heater plus $4000 in Option Money!!
Sales Price:$154,575
Bedrooms:#5
Baths:#3.5
Sq.ft:#1960
Description: 5beds, 3.5 bath master down, formal dining plus eat in kitchen, upgraded cabinets, granite countertops, full sod, full irrigation, tankless water heater plus $5000 in Option Money.
Click here to view these homes
Click here Contact me Today for more details
Over $150,000 price reduction on beautiful Gulf Course Homes in Columbia SC. Request a list of these Luxurious homes.
Click here to view and request a showing of these homes.
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Search here for Homes For Sale in Columbia South Carolina for $100,000 and under. View some of Columbia SC best deals. You can Also signed up and received free daily listings of new homes for sale on the market. Click on the Lik below to view these home.
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Here is Columbia SC New Daily Homes for sale. Click on the link below and beat other home buyers to these new listings. Check here daily for new homes on the market. Find all of Cloumbia SC Homes for sale here.
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 Shopping for a new home is an emotional experience. It’s also time consuming and comes with a myriad of details. Some buyers, however, caught up in the excitement of buying a new home tend to overlook some items. Their home purchase turns into an expensive process. These errors generally fall into three areas:
- Paying too much
- Losing a dream home to another buyer
- Buying the wrong home
When you have a systematic plan before you shop, you’ll be sure to avoid these costly errors. Here are some tips on making the most of your home purchase: Bidding without sufficient information
What price do you offer a seller? Is the seller’s asking price too high? Is it a deal? Without research on the market and comparable homes, you could lose thousands of dollars. Before you make that offer, be sure you have researched the market. A professional realtor, can offer an unbiased opinion on the value of a home, based on market conditions, condition of the home and neighborhood. Without knowledge of the market, your offer could be too much. Or worse, you could miss out on a great buying opportunity. Buying a mis-matched home
What do you need and want in a home? Sounds simple. Yet, clearly identifying your needs and bringing an objective view to home shopping, leaves you in a better position. Sometimes, home buyers buy a home that is too large or too small. Perhaps they didn’t consider the drive to work, the distance to school, or the many repair jobs waiting for completion. Plan ahead. Use your needs list as a guideline for every home you view. Unclear title
Before you sign any document, be sure the property you are considering is free of all encumbrances. As part of their services, a realtor can supply you with a copy of the title to ensure there are no liens, debts, undisclosed owners, leases or easements. Outdated survey
Before the purchase is completed, an updated survey is essential. This report will indicate boundaries and structural changes (additions to the house, a new swimming pool, neighbor’s new fence which is extending a boundary line, etc.). Unexpected repairs
For $300 - $500 a professional inspector will conduct a thorough inspection of the home. This way, you’ll have an idea of the cost of future repairs. Make the final contract subject to a favourable report. Shopping without pre-approval
It only takes a few days to get financing pre-approval. When you are shopping for a home, this gives you more power. A seller is more likely to consider an offer from a serious buyer. |
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