What does my credit score need to be to be to purchase a home?
Lenders use your credit score to determine if you qualify for a mortgage. The higher your credit score, the more loan programs you qualify for.
How much of a home can I afford?
Lenders use your DTI (debts & income) to determine how much of a mortgage you qualify for. Most Loan Programs will allow 35%-40% of your income for all debts.
How much of a down payment do I need?
There are 100% Financing Options available. USDA loans will finance up to 100% with zero down payment. VA loans will finance 100% with zero down payment. FHA loans require 3.5% of the purchase price for a down payment. There are advantages to paying a 20% downpayment. It can save you thousands over the life of the loan in interest charges and other fees.
What’s the next step?
Call 864-301-5494 for information on buying a home in the Upstate or the Midlands.
Call 843-303-4842 for more information on buying a home in the Low Country.
SELLING YOUR HOME?
What locations do you list and sell properties?
We provide real estate services for Greenville, Spartanburg, Anderson, Columbia, Lexington, Charleston, Edisto, Myrtle Beach
What’s it going to cost to sell my home?
Carolina Homes Plus charges 3.5% to sell your home. Cooperating Broker will recieve 3%. CHP will retain(.5%).
What do other agencies charge to sell a home?
There is no set fee that brokers charge to sell your home. This fee will vary with each office, agent, services provided. However, most tend to fall between 5%-7%
How can you sell my home for 3.5%
I don’t have a big fancy office to maintain. My website, MLS membership, and phone are all fixed cost. I pay the same each month regardless if I have 100 listings or 1,000 listings.
Do you really list homes for FREE
YES! If you plan on buying a home in SC, and use Carolina Homes Plus as your Buyers Agent, Carolina Homes Plus will credit your original listing fee at closing.