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charles@ccpsc.net
(843)870-3505
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PRIORITY PROPERTY ALERT! - Receive an
automatic notification by email of any new listing within 24 hours
of being listed! Click
HERE to
sign-up and to enter your criteria. Find out about new listings
before other buyers do.
What is an ABR®?
Buyer Information
Whether you are
searching for a permanent residence, your dream getaway spot, or
investment property, I would welcome the opportunity to assist
you in any capacity.
I am an
Accredited
Buyer Representative (ABR®) and specialize in
Charleston’s coastal/waterfront areas. You can count on timely
and knowledgeable counseling to ensure you locate the property
that satisfies your heart and mind. It is my goal to make the
home-buying process as convenient and as informative for you as
possible, and this website has been designed with that in mind.
All of my services as a buyer’s agent are completely free
because my fees are compensated through commissions paid by
listing agents. Your interests will be protected…at no charge to
you…through closing and beyond.
Please take a few minutes to review the services I provide to
buyers. Feel free to contact me with any questions, and let me
know if there is any additional information I can provide.
SERVICES PROVIDED TO BUYERS
· Receive a market report via E-mail that highlights all the properties
currently listed for sale. I customize my reports to your criteria,
needs and desires. These reports are very detailed and organized. .
.you see more information than you can find through the pubic MLS.
You also are able to view additional photos and use a direct link to
map the properties. Updated lists of active properties will be
e-mailed to you every few weeks or by request. Click
HERE to request
a market report.
· Learn of new listings before other buyers do through automatic
updates I call my “Priority Property Alert.” You will receive market updates via
E-mail within 24 hours anytime there is activity (new listing, price
change, under contract) involving a property matching your criteria.
This is an extra tool that allows you to follow the real estate
market from your desktop, but most importantly you learn of new
listings as they hit the market, giving you an advantage over other
buyers. These e-notifications, combined with the above mentioned
market reports, eliminate the need to wander the MLS. Click
HERE to
learn more and easy sign up instructions.
· Receive plats, lot dimensions and aerial photos of properties via
E-mail
· Provide a Competitive Market Analysis (CMA) that compares the
prices of recently sold homes that are similar in terms of location,
style and amenities.
· I can preview properties for out of town clients and e-mail
extensive photos
· Return on Investment (ROI) reports to project carrying costs and
net proceeds from sale for a particular investment property
· Provide school reports for Charleston’s public schools
· Estimate closing costs
· You will have 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.
· No costs are involved. . . I earn my fees through commissions paid
by listing agents.
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:
-
Owning a home
can cost the same as renting
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You can build
equity value
-
You may be
able to deduct the interest on your home loan from your federal
and sometimes state income taxes
-
You may be
able to use your equity as an asset to qualify for loans & other
types of credit
-
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 |
