Buying Your New House

New Homes

When considering purchasing a new home, it is important to consider how much you are willing to pay to afford it. It would also be beneficial to find the monthly housing cost including insurance and taxes. Buy a home that you can afford – roughly two and a half times your yearly salary. Your credit score should be clean as well. Make sure your credit card bill is in order several months before you start looking for a house. A good credit score gives you a better chance at getting a competitive mortgage.

One may want to consider how long they are staying. If you aren’t planning on staying for at least five years it doesn’t make much financial sense to buy a house. If you’re thinking of buying an old home, keep in mind the amount of home repair is likely to be much higher. Newer homes are built with energy efficiency in mind, and more be more cost-effective in the long-run. Hiring a house-inspector before purchasing can be pricey, but it could also save you from far more expensive mistakes.

Plan your location wisely – consider all possible social amenities and infrastructure such as electricity, water, roads, and stores. Even if you don’t have kids, better schools often come with better neighborhoods. Take the overall quality of houses in and around your neighborhood into your account. Check your quality of structure, water control facility, paint, roof, circuit breaker, plumbing, heating, cooling, insulation, fireplace etc. Anything you can thing that might cost you in the future – find out before you buy.

Building Your Perfect House

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When buying a new home, a myriad of details must be taken into consideration. For example, what kind of neighborhood do you want to live in? Does it need to be family friendly or do you want it near the nightlife? Do you want a small neighborhood or a sprawling backyard? After you have decided on your location, you must then choose your house plan. Do you want it out of a magazine or do you want to hire an architectural firm?

Selecting a builder is essential to the construction process. A good builder will be able to answer essentially every question you may have about the house, as well as suggest special modifications to potentially make your life easier. He/she should also suggest design patterns before construction begins. A custom home builder should also increase design flexibility. There is a plethora of builders on the market, you can afford to be choosy. Consider visiting model homes in the area to see what kind of themes you may consider in your new home. Don’t just leave your builder to it after you’ve decided what you want. Keep talking to your builder and see how the house is coming along. It’s your house, make sure it’s done right.

Your options in your house are far wider with a home construction company. Size of bedrooms, number of rooms, number of bathrooms, kitchen placement, and quality of construction, are all effectively dealt with by building your own house. All of your plumbing and wiring should be in perfect condition because it will all be brand new.

Be prepared for delays in the process. Your builder may give you a time-frame, but it is unlikely to be perfect. Weather, supply shortage, and human error are common causes for delay.

Updated Mortgage Information You’ll Find Helpful

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The average 30-year, fixed-rate mortgage is at the lowest level in almost nine months as mortgage rates dropped for the fifth consecutive week straight, according to Freddie Mac’s Primary Mortgage Market Survey.
The 30-yr, FRM averaged 4.12% for the week ended May 29, 2014, down from last week’s 4.14%, but up from 3.81% a year ago. The 15-yr, FRM hit 3.21%, declining from 3.25%, and slightly up from 2.98% last year. What does this mean to you. Your mortgage new mortgage is still very affordable. Today you can get more home for you money. But next week that may change.  For Carolina new home information visit www.SouthCarolinaBuilders.com/Network/ to access the largest number of builder blogs and websites in the Carolina’s. From any of these sites or blogs you can read interviews with regional builders, take tours of neighborhoods and meet the Realtors who market new homes. If you have any questions about new homes in the Carolina contact Publisher@CharlestonBuilders.com

Insurance for First-Time Buyers: Home Safe

Buying a first home or a new home is one of those moments that go down in a person’s life as memorable. But with the excitement and joy of purchasing, moving into and decorating comes plenty of responsibility, and one of these is properly insuring the home for the safety of your family and your property. According to Sass Schirmer, principle agent and owner of Schirmer Insurance Group, LLC, neglecting home insurance will jeopardize your investment.

Learn More, Read More …

 

Mount Pleasant, SC: A Great Place to Live

Mount Pleasant, South Carolina, is only minutes northeast of Charleston and is also a quick trip from Daniel Island, Sullivan’s Island and the Isle of Palms. Local beaches and upscale communities draw those looking for the convenience and style of living Mount Pleasant offers.

Mount Pleasant was little more than a small town until well into the 20th century, populated in part by Charlestonians wealthy enough to afford summer homes on the other side of the Cooper River.

Mount Pleasant’s growing population supports an ever-expanding array of dining, shopping and entertainment opportunities. The state-of-the-art Arthur Ravenel Jr. Bridge has linked Mount Pleasant with Charleston since 2005, and extensive improvements are currently underway on Highway 17 in Mount Pleasant.

MOUNT PLEASANT NEIGHBORHOODS

For those looking for a new place to call home, Mount Pleasant has numerous communities offering wonderful features, amenities and conveniences that make East Cooper one of the area’s most desirable places to live.

Take, for example, Hibben in Belle Hall. Hibben is a delightful blend of houses built in the Charleston style, set along sidewalks that invite you to go for a relaxing stroll or a long, invigorating run.

The luxury three- and four-bedroom town homes at 656 Coleman Blvd. are within walking distance of Shem Creek, restaurants, retail shops and Mount Pleasant’s ubiquitous entertainment. Residents of Brickyard Plantation enjoy amenities such as an elegant clubhouse, tennis courts and pool, but best of all are the boat launch and floating dock on Horlbeck Creek. With a scenic entrance on Highway 17, Etiwan Pointe’s luxurious town homes just off Long Point Road in Mount Pleasant are only minutes away from area beaches. Etiwan Pointe residents enjoy an oversized first level, complete with a two-car garage and generous storage space.

OTHER NEARBY NEIGHBORHOODS

On Johns Island, you will find Whitney Lake town homes, a residential community set around a spring-fed lake. Interiors are designed to appeal to the upscale buyer, with hardwood floors downstairs and luxurious carpeting upstairs. Whitney Lake is near local attractions such as the Charleston Tea Plantation, the Angel Oak and Kiawah Island’s Beachwalker Park. Freshfields Village on Johns Island has a farmers’ market every Monday from 4 p.m. to 8 p.m. Located between Seabrook Island and Kiawah Island, Freshfields Village is becoming a tourist destination.

From Ohio, Relocating to Mount Pleasant, SC Click here!

The Ponds of Summerville, SC (Part 2)

“Our level of community is one that Dorchester County has never seen,” Davis explained. “Many other areas are subdivisions, while we are a master-planned community. The amenities were put in place before the first homes were sold.”

Among the Ponds’ amenities are access to membership in the on-site YMCA, a 25-meter saltwater pool, the restored 1830s farmhouse that is part of the community center, five parks, two 20-acre ponds, an Amphitheatre and a 20-mile trail system.

We at Greenwood are very careful to be good stewards of the property and to give people more than what they expect. We can go on forever about this very special place. We appreciate the opportunity to develop this property in a sustainable way so people can always enjoy it. It is a unique situation.

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The Ponds of Summerville, SC

The Ashley is more than just a river to the residents of South Carolina’s Lowcountry. Because of its length and innate beauty and the sense of direction it provides, it is more like a gift of Nature. The Ponds, a spectacular 2,000-acre community in Summerville, is at the headwaters of this historic river, at Schulz’s Lake.

“We are the highest point of navigation,” said an enthusiastic John Morgan, community manager at The Ponds. “This is the beginning of the Ashley River.”

The Ponds has more to offer than an excellent location and an eternal connection to one of South Carolina’s most picturesque bodies of water.

“We have a diverse range of multifamily homes, town homes and single-family homes that are blended together like a true Southern town. They aren’t sectioned off like most places you find today,” Morgan explained. “The Ponds is definitely a place where you can live, work and play.”

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