Always June Weblog

Most lenders require that your monthly payment range between 25-28% of your gross monthly income.  Your mortgage payment to the lender includes the following items:

• The principal on the loan (P)
• The interest on the loan (I)
• Property taxes (T),
• The homeowner’s insurance (I). 

 Your total monthly PITI and all debts (from installments to revolving charge accounts) should range between 33-38% of your gross monthly income.  These key factors determine your ability to secure a home loan: Credit Report, Assets, Income, and Property Value.

For more information or if you have any questions, feel free to contact me. My reputation for providing buyers and sellers with exceptional service has been built on exceeding your expectations. You deserve the best and I enjoy providing you with the best! It’s as simple as that.

A Good Realtor can help you with the following:

· Saving you endless amounts of time, money, and frustration.

· Share their knowledge on the housing market inside and out and can help you avoid the “wild goose chase.”

· Assist you with the purchasing of any home, even if it is listed elsewhere or if it is being sold directly by the owner.

· Know the best lenders in the area and can help you understand the importance of being pre-qualified for a mortgage.

· Can discuss down payments, closing costs, and monthly payment options that suit you.

· An excellent source for both general and specific information about the community such as schools, churches, shopping, and transportation - - plus tips on home inspections and pricing.

· Experienced at presenting your offer to the homeowner and can help you through the process of negotiating the best price. 

· Bring objectivity to the buying transaction, and can point out the advantages and the disadvantages of a particular property.

We can do all of this for you and more! And the best thing about us is that all of this help normally won’t cost you a cent! I look forward to exceeding your expectations.

As a licensed real estate professional we provide much more than the service of helping you find your ideal home.  Realtors  are expert negotiators with other agents, seasoned financial advisors with clients, and superb navigators around the local neighborhood.  They are members of the National Association of Realtors (NAR) and must abide by a Code of Ethics and Standards of Practice enforced by the NAR.  A professional Realtor is your best resource when buying your home.

My reputation for providing buyers and sellers with exceptional service has been built on exceeding your expectations. You deserve the best and I enjoy providing you with the best! It’s as simple as that. For more information or if you have any questions, feel free to contact me.

Many buyers apply for a loan and obtain approval before they find the home they want to buy.  Why?

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 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.

I look forward to assisting you in this process! For more information or if you have any questions, feel free to contact me.

Here are some tips of things you should know about buying a home:

1. Property taxes and qualified interest are deductible on an individual’s federal income tax return.

2. Often, a home is the largest asset an individual has and is considered one of the most valuable investments available.

3.  A portion of each amortized mortgage payment goes to principal which is an investment.

4. A home is one of the few investments that you can enjoy by living in it.

5.  A realtor can usually show you any home whether it is listed with a company, a builder, or even a For Sale By Owner home.

6.  Working through a realtor to purchase a For Sale By Owner home can be very advantageous because someone is looking out for your best interest.

7. Your Real Estate professional can provide you with a list of items you’ll need to complete your loan application so you’ll be prepared.

8. A homeowner can exclude up to $500,000 of capital gain tax if married and filing jointly or up to $250,000 if single or filing separately.  The home must have been the taxpayer’s principal residence for the previous two years.

9. Ask the Real Estate professional if they are familiar with the neighborhoods where you want to live. 

10. Ask the Real Estate professional whom he/she is representing in the transaction.

12. Ask the Real Estate professional what he/she will do to keep you informed.

 For more information or if you have any questions, feel free to contact me. My reputation for providing buyers and sellers with exceptional service has been built on exceeding your expectations. You deserve the best and I enjoy providing you with the best! It’s as simple as that.

Here are some great reasons for buying a home:  

1.        Quality of Life

2.        Tax Deductibility of Mortgage Interest

3.        Tax Deductibility of Property Taxes

4.        Appreciation Potential

5.        Deferred Gain and Capital Gain Treatment

6.        Once in a Lifetime Exclusion

7.        Principal Accumulation

8.        Pride in Your Home

9.        No Landlord

10.      Leverage (where else can you buy this size of an investment with 5-10% down)

11.      The Real Cost of Renting (At $700 per month, with a 6% rental increase per year, you will pay $110,719 over a 10 year period.)

For more information or if you have any questions, feel free to contact me. My reputation for providing buyers and sellers with exceptional service has been built on exceeding your expectations. You deserve the best and I enjoy providing you with the best! It’s as simple as that.

You are about to embark on the exciting journey of finding your ideal home.  Whether it is your first home or your tenth home, a retirement home, or an investment property, I look forward to making your home-buying experience fun and exciting.  

Purchasing a home is a very important decision and a big undertaking in your life.  In fact, most people only choose a few homes in their lifetime.  My reputation for providing buyers and sellers with exceptional service has been built on exceeding your expectations. You deserve the best and I enjoy providing you with the best! It’s as simple as that.

Over the next few weeks, I will be sharing some insights about home buying that will make your home-buying process easier and fun!

I look forward to exceeding your expectations!

Kideny Island Waterfront Home

      

Enjoy absolute luxury in this coastal home situated on Kidney Island, a private gated island where the Intracoastal Waterway meets the mouth of the May River, just seconds to Hilton Head Island. Almost every room has a breathtaking water view. A heated pool, a screened porch, and a sprawling deck space make this home ideal for entertaining. Features include a chef’s kitchen, four fireplaces, an elevator, and a four-car garage. Amenities include a shared private deepwater dock. This is Lowcountry Waterfront Living at its finest!  Click here for more information!

Hilton Head Island Villa

Steps away from Harbour Town Marina, this villa is fully furnished and priced to sell! This is the deal you have been waiting for! It is a foreclosed villa, sold ‘As Is’.  Click here for more information. 

 Villa Overlooking Lagoon

This two bedroom, two bath, first floor unit overlooks the lagoon. This unit is in good condition with wood floors and tile. It is a foreclosure, sold ‘As Is’, with $3,000 towards the buyer’s closing costs with an acceptable offer.  Click here for more information. 

Buckwalter Townhome

Here is an almost new townhome that is in the center of the Buckwalter area.  The location is excellent with easy access to all the major roads and Savanah, Beaufort, and Hilton Head Island. Sold ‘AS IS’.  Click here for more information.

Contact me at (843) 290-2929 or at June@AlwaysJune.com.  

I would love to hear from you! 

Also visit my Real Estate Website at www.AlwaysJune.com!

This custom built home features exceptional living space with a gathering room, a living room, a formal dining room, and a family and game/media room. There is a generous master suite and two guest bedrooms. The spacious kitchen has lots of cabinets and corian counters. There is excellent closet space throughout. The garage was built as a three-car garage with two doors. There is a full attic with loads of storage area. This exceptionally well maintained home is on a gorgeous lot with mature landscaping, with a view of the lagoon and golf greens beyond which will not change.  Click here for more information!

Visit June’s Real Estate Website at www.AlwaysJune.com!

Contact June at (843) 290-2929 or at June@AlwaysJune.com. 

She would love to hear from you! 

This charming two story beach home on an exceptional lot is only steps to the beach! This is a great opportunity to either remodel or build your dream home. Features include four bedrooms, two-and-a-half baths, a living/dining room, extensive decking, and a master bedroom on the first floor. Don’t miss it!  Click here for more information!

Visit June’s Real Estate Website at www.AlwaysJune.com!

Contact June at (843) 290-2929 or at June@AlwaysJune.com. 

She would love to hear from you! 

This charming villa features incredible views from the living room and all the bedrooms! It is beautifully furnished in Tommy Bahama style, with a newly remodeled kitchen and breakfast bar. It has brought in just under $50,000 gross rental income so far this year. This is one unit you will not want to miss!  Click here for more information!

Visit June’s Real Estate Website at www.AlwaysJune.com!

Contact June at (843) 290-2929 or at June@AlwaysJune.com. 

She would love to hear from you! 

This immaculate Hawthorne model with high ceilings is in a quiet location in a gated community. It features a living room with a built-in media center, and a formal dining room, The master bath with a garden tub has a balcony facing mature trees and a garage. Amenities include a clubhouse/pool, tennis courts, and a fitness center. This is the lowest price in Hawthorne!  Click here for more information!

Visit June’s Real Estate Website at www.AlwaysJune.com!

Contact June at (843) 290-2929 or at June@AlwaysJune.com. 

She would love to hear from you!