Coastal Island Properties
  • Home
  • Advanced Search
  • Relocating
  • Buyers
  • Sellers
  • Investors
  • Historic Charleston
  • Blog
  • About
  • Giving Back
Login
843-327-9010

Sign in to your account

Need to reset your phone number?

Don't have an account with us?

Click here to sign up.

Charleston Tri-County Homes for Sale

TO
Advanced Search

Address Search

Getting the Best Financing

Finding the right home for you is your primary goal, but enjoying it with a lower payment and better mortgage terms is a very important secondary goal.  I have worked with many mortgage brokers and lenders in the Charleston area and have a list of people that I would feel very comfortable referring clients to as they each have a speciality that would help find you the best loan to fit your financial picture.

The normal mortgage for working families – Just because there’s nothing special about your income stream, and you’re getting a paycheck every week, that doesn’t mean that there won’t be differences in mortgages and lenders for your needs.  Every lender has their own requirements and procedures and I know which are going to treat you right and give you the best terms.

The self–employed borrower – Since the mortgage and housing crisis that began in 2007, it has become a challenging process for self–employed person to get a mortgage.  Documentation of income and expenses is much more detailed, and I amd up–to–date on all of it. Before contacting a lender, you will want to make sure you have your last two tax returns as any lender will need that to help qualify you for a mortgage.

Less than stellar credit – Lenders have become tougher in our new financial environment, and it is not hard to get a ding or two on your credit these days.  Credit scores can be affected just for the amount and ratio of debt, as well as types of debt - not just if you are late on a payment. Millions of people pay their bills on time and still don’t have those high end credit scores.  If your scores are not perfect, I have a few lenders who will help you get back on track and find you the appropriate loan.

Financial Disclosure and Deal-To-Closing Considerations – Especially after the mortgage and housing problems that began in 2007, lenders and their underwriters are scrutinizing financial, income and expense information much more closely than ever before.  Be prepared to be asked to submit a lot ofdocumentation, and it’s best to be forthcoming with any financial information that impacts your ability to pay the mortgage payment. Even if it’s not asked for early in the process, be prepared for questions and requests for documents throughout the process. Also, it is highly encouraged not to apply for a new credit card or make a large purchase such as furniture, a car or boat between the purchase contract and the closing. Just before closing, most lenders will do another credit check and a check for any liens or encumbrances as well as make sure that you are still employed.

Watch the Fees and Question Them –  From application, to mortage points, to appraisals, there are a number of fees associated with getting a mortgage, and the total of origination and other fees is usually the highest closing cost aggregate item in the deal.  Never hesitate to ask about all fees, why they are charged and how they are calculated.  It is your money and you have the right to know as you are the customer.

The Latest Charleston Tri-County Homes for Sale

Pinefield Drive, Wando image
Pinefield Drive, Wando $200,000

This is a great opportunity to build the home of your choice on a lot that is conveniently located near Daniel Island, Mount Pleasant and North Charleston. The Daniel Isl...

  • 21001246 MLS
  • Pinefield SubDv.
  • Active Status
72 Clemson Street, Charleston image
72 Clemson Street, Charleston $550,000

None

  • 3 Beds
  • 2 Baths
  • 21001247 MLS
  • Wagener Terrace SubDv.
  • Active Status
106 Ribbon Road, Summerville image
106 Ribbon Road, Summerville $449,909

Located on a quiet street within The Ponds, this picturesque home offers 4 bedrooms, 4 full baths, and an open layout with plenty of space for entertaining, both inside a...

  • 4 Beds
  • 4 Baths
  • 21001245 MLS
  • The Ponds SubDv.
  • Active Status
1445 Lettered Olive Lane, Mount Pleasant image
1445 Lettered Olive Lane, Mount Pleasant $779,000

This charming Charleston style home, full of craftsman details and coastal charm, is nestled into an idyllic neighborhood with tree lined streets and wide front porches. ...

  • 4 Beds
  • 4 Baths
  • 21001243 MLS
  • Watermark SubDv.
  • Active Status
5108 Village Crier Lane, Summerville image
5108 Village Crier Lane, Summerville $340,460

Welcome home to Wescott Plantation Golf Community. Upon entering the home your eyes will flow through to the plentiful windows providing tons of natural light .Looking to...

  • 4 Beds
  • 3 Baths
  • 21001242 MLS
  • Wescott Plantation SubDv.
  • Active Status
Like or Share
Loading likes...

Address Search

Your Lowcountry Realtor

Communities Around the Lowcountry

The Charleston tri-county real estate market is made up of interesting and diverse neighborhoods and communities, each with their own unique character and charm.  We have broken down the key areas around Charleston to help you narrow your search so you can learn more about the different areas and price points so that you can better fit your real estate needs and search criteria.

Key Areas Around Charleston

  • Downtown Charleston
  • Daniel Island
  • Edisto Island
  • Folly Beach
  • Goose Creek
  • Hanahan
  • Isle of Palms
  • James Island
  • Johns Island
  • Kiawah Island
  • Moncks Corner
  • Mt Pleasant
  • North Charleston
  • Seabrook Island
  • Sullivans Island
  • Summerville
  • Wadmalaw Island
  • West Ashley

Homes By Lifestyle

  • Waterfront Luxury Homes
  • Golf Course Communities
  • Boating Communities
  • Retirement Communities
  • Historic Charleston Homes

Interactive Map Search

Real Estate Buyers Guide

  • Getting The Best Financing
  • Price Negotiations
  • Home Inspection Tips
  • Moving Tips
  • Local Resources
  • Trusted Vendor Providers

Buying & Selling Made Easy

 Freshest Data Available
 Active Listings Only
 Customizable Search Options
 New Listing Alerts
 Instant Home Value Assessments

Mortgage Calculator

Amount of Loan
Annual Interest Rate
%
Term of Loan
Years
Calculate

Does not include any taxes or fees.
Please consult a financial professional.

 

The Home Buying Process

 

Translate Site

  • Home
  • Advanced Search
  • Relocating
  • Buyers
  • Sellers
  • Investors
  • Historic Charleston
  • Blog
  • About

496 Bramson Court, suite 200
Mt Pleasant, SC  29464                                                   Desiree Maurer

(P)  843-327-9010                                                         (F)  8430-416-2242

Charleston real estate listings provided by                       Charleston Trident MLS

© 2017 - All Rights Reserved | Privacy Policy

  • Charleston County Real Estate
  • Dorchester County Real Estate
  • Berkeley County Real Estate
  • Waterfront Luxury Homes
  • Golf Course Communities
  • Boating Communities
  • Retirement Communities
  • Historic Charleston Homes
IDX Real Estate Websites by
• Accessibility