Joint Base Charleston Real Estate

4 Reasons to Buy Your Joint Base Charleston Home This Fall

1. Prices Will Continue to Rise

CoreLogic’s latest Home Price Index reports that home prices have appreciated by 6% over the last 12 months. The same report predicts that prices will continue to increase at a rate of 5.4% over the next year. The Home Price Expectation Survey polls a distinguished panel of over 100 economists, investment strategists, and housing market analysts. Their most recent report projects home values to appreciate by more than 3.5% a year for the next 5 years.

The bottom in home prices has come and gone. Joint Base Charleston home values will continue to appreciate for years. Waiting no longer makes sense.

2. Mortgage Interest Rates Remain at Historic Lows

Freddie Mac’s Primary Mortgage Market Survey shows that interest rates for a 30-year mortgage have remained at or below 3.5% for 13 consecutive weeks. The Mortgage Bankers Association, Freddie Mac & the National Association of Realtors are in unison, projecting that rates will increase by this time next year.

Any increase in rates will impact YOUR monthly mortgage payment. A year from now, the percentage of your income that you spend on housing will increase substantially if you choose to wait.

3. Either Way You Are Paying a Mortgage

Everyone should realize that, unless you are living with your parents rent-free, you are paying a mortgage - either your mortgage or your landlord’s.


4. It’s Time to Move on with Your Life

The ‘cost’ of a home is determined by two major components: the price of the home and the current mortgage rate. It appears that both are on the rise.

If the right thing for you and your family is to purchase a home this year, buying sooner rather than later could lead to substantial savings.





Posted by Jodie Ford on September 28th, 2016 2:46 PMLeave a Comment

8 Things To Keep In Mind Before Buying Your First Joint Base Charleston Home

  1. Owning a home can be your biggest source of wealth. Your Joint Base Charleston home is not just a place to live, but also an investment into your future.
  2. Stretching to get into a Joint Base Charleston home you can’t afford is a bad idea. Millions of homeowners lost their homes to foreclosure in 2008 and 2009 as a result of getting into a house that they couldn’t afford. Make sure you figure out your budget and determine exactly how much you can afford to spend.
  3. Save up for a down payment. If you have a down payment, you have equity, which means you own a portion of your Joint Base Charleston home from the beginning. 
  4. Keep in mind that you may have to pay for the inspection, appraisal and maybe closing costs. The home inspection and appraisal will be expenses outside of the loan and due at the time services are rendered. Closing costs include loan fees, closing attorney fees, a title search and various other expenses.
  5. Get pre-approved to find out how much you can afford. Before you even begin looking at Joint Base Charleston houses, get pre-approved. That way, you will only look at houses in your price range and you won’t end up falling in love with a home you can’t afford.  We have an amazing mortgage broker that we can refer to you!
  6. The seller pays the commission for your real estate agentAs a buyer, it is important to utilize the help of a realtor, and that help is free of charge to you. 
  7. Mortgage interest is generally tax deductible. This means you can sometimes reduce your taxable income by the amount of interest you pay.
  8. Know how long you plan to stay. Generally, it only makes sense to buy a house if you plan to stay for at least two years. However, in this market buying real estate can be a great investment.  We offer property management services as well!

3 Reasons to Sell Your Joint Base Charleston Home Now

Thinking about selling your Joint Base Charleston home?  Here are 3 reasons why you should now:

1. Inventory is low: Supply and demand is always in control in a marketplace unless there is undue interference by government. Inventories of both new and existing homes for sale are low right now. Low supply usually creates upward pressure on prices. Many studies and surveys are also showing that buyers are returning to the market, though more of a stream than a river of demand. However, combine low inventory and increasing demand, and you may get more for your home than you think.  We are here to help you figure out what price tag to put on your Joint Base home. 

2. Mortgage rates are low: Whether you believe that mortgage rates are going up soon or not, many would-be buyers are concerned that they will lose buying power if they wait too long. It helps sellers when buyers can afford more home due to low mortgage rates. There’s the other side of this coin as well. If you sell now with the plan to buy right away, you’re getting the same low interest rate advantage. The money you take away from your sale, though possibly somewhat lower than if you wait a while, will go farther in financing another Joint Base home.

3. Some markets scream sell: If you own in an established area with a history of stability and high demand, it makes a difference. Charleston could not be a better example of this.  Real estate is local, and while national influences bear on prices, the right location can make a major difference in your cash out on a sale. On average 48 people move to Charleston daily.  Can you blame them?  

Posted by Jodie Ford on July 28th, 2016 4:03 PMLeave a Comment

Keep Your Pets Safe in the Joint Base Charleston Area

  • Keep Animals Cool - Animals can become dehydrated quickly, so it is imperative to provide them with plenty of water when it is hot outdoors. Pets should also have a shady place to escape the sun if outside and they should never linger on hot asphalt during periods of extreme heat. This can cause an animal to heat up quickly, and sensitive paw pads can burn.
  • Spot The Symptoms - Signs of overheating in pets include increased heart rate, excessive drooling and panting, difficulty breathing, weakness, elevated body temperature (over 104 degrees), and even seizures. Even if swimming, a dog can easily get sick in the heat.
  • The Young and The Old - Both are at the highest risk for heat illnesses. Be careful with older pets and with puppies and kittens, by limiting their time outdoors.

Need a bigger house for all of your furry friends?  We are here to help with all of your real estate needs!

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Posted by Jodie Ford on July 7th, 2016 1:33 PMLeave a Comment

4 Myths To Avoid During The Move into Your Joint Base Charleston Home

1. Free moving boxes are best

There are advantages to buying boxes: Their uniform size makes it easy to gauge how many you’ll be able to pack in the truck based on the dimensions of the truck and a little math. Also, they’re way less likely to fall apart at the worst possible moments.  But if you do decide to go the free route, be careful about what you bring home from the grocery store. Packing your possessions in free produce boxes could mean you’re joined by unwanted insects in your new Joint Base Charleston home.

2. All markers are created equal

Color coding the writing on boxes makes sure everyone knows what goes where in your new Joint Base Charleston home.  Along with jotting down the contents of the boxes, make sure to put an arrow facing up so everyone knows how the box should be loaded and carried.  And make a note on at least two sides of the box if it contains delicate items.

 3. There are some things you can’t pack until moving day

It’s tempting to wait until the last minute to pack up personal items and bedding if you’re using them on your final night in your old home. But that can create chaos and increase the odds of something getting left behind or misplaced.  Instead, have everything packed up and ready to go on moving day. This will help reduce the chance for problems, but it’s also good for your wallet, too.  You could wind up paying professional movers to stand around while you pack up those last few incidentals. Pack personal items as if you were going on a two day vacation so you can find the essentials when you arrive at your new Joint Base Charleston home.

4. You should always move on Friday

Perhaps you think Friday is the best day to move because it gives you the whole weekend to unpack.  The reality is: Everybody else is thinking that, too. And that extra demand means higher costs. Movers charge more during spring and summer, on weekends, and at the beginning and the end of the month because that’s typically when they’re the busiest.  Also, if you move during a peak time, it can mean crews are stretched thin and you might have to settle for movers with less experience.

Avoiding these move-related myths can make a drastic difference on moving day.

Posted by Jodie Ford on May 16th, 2016 5:29 PMLeave a Comment

The Top 5 Reasons You Should Not For Sale By Owner


1. There Are Too Many People to Negotiate With

Here is a list of some of the people with whom you must be prepared to negotiate if you decide to For Sale By Owner:

  • The buyer who wants the best deal possible
  • The buyer’s agent who solely represents the best interest of the buyer
  • The buyer’s attorney (in some parts of the country)
  • The home inspection companies, which work for the buyer and will almost always find some problems with the house
  • The appraiser if there is a question of value


2. Exposure to Prospective Purchasers

Recent studies have shown that 89% of buyers search online for a home. That is in comparison to only 20% looking at print newspaper ads. Most real estate agents have an internet strategy to promote the sale of your home. Do you?

3. Results Come from the Internet

Where do buyers find the home they actually purchased?

The days of selling your Joint Base Charleston house by just putting up a sign and putting it in the paper are long gone. Having a strong internet strategy is crucial.

4. FSBOing has Become More and More Difficult

The paperwork involved in selling and buying a home has increased dramatically as industry disclosures and regulations have become mandatory. This is one of the reasons that the percentage of people FSBOing has dropped from 19% to 8% over the last 20+ years.

The 8% share represents the lowest recorded figure since NAR began collecting data in 1981.

5. You Net More Money when Using an Agent

Many homeowners believe that they will save the real estate commission by selling on their own. Realize that the main reason buyers look at FSBOs is because they also believe they can save the real estate agent’s commission. The seller and buyer can’t both save the commission.

Studies have shown that the typical house sold by the homeowner sells for $210,000 while the typical house sold by an agent sells for $249,000. This doesn’t mean that an agent can get $39,000 more for your home as studies have shown that people are more likely to FSBO in markets with lower price points. However, it does show that selling on your own might not make sense.


Posted by Jodie Ford on March 29th, 2016 6:17 PMLeave a Comment

March 14th, 2016 2:31 PM

Tips for First-Time Home Buyers


1. Draw up a hard budget and stick to it.

Let’s say you're interested in a Joint Base Charleston home, but you’re not sure it’s in your price range.  Before you start browsing, it’s crucial that you iron out important questions such as, what is the most you can afford or what is your ideal price range? Enlist the help of a mortgage broker to help you arrive at a figure. He or she will be able to tell you how much the bank will lend you and at what interest rate.   Keep your other expenses in mind and make sure you can afford this long term investment.


2. Make a short list of your non-negotiables.

Before you start seriously shopping, consider your lifestyle.  Make a list of non-negotiables, -- from location, to square footage, to amenities -- that you must have in your future home. This will also help guide your realtor.  And reevaluate your list as you gain a better sense of what's out there and what you want. 


3. Use an experienced realtor who knows the area and the Joint Base Charleston market.

It is our job and we do this every day, so let us help you.  We are there to help every step of the way and work for you at NO COST to you!  A realtor will be able to help you negotiate, give you realistic expectations on closings costs and the timeframe it takes to close, and be there as a resource to help you make this important decision, an educated one. 


Posted by Jodie Ford on March 14th, 2016 2:31 PMLeave a Comment

Top 10 Home Energy Efficiency Tips For Your Joint Base Charleston Home

  1. Wash clothes in cold waterto save $63 a year.
  2. Install a programmable thermostat to save up to 10% on cooling and heating costs.
  3. Use your window shades.Close blinds on the sunny side in summer to keep out the hot sun, and open them in winter to bring in warm rays.
  4. Turn off all lights, appliances and electronics not in use in your Joint Base Charleston home. A power strip can help turn off multiple items at once. (Sometimes the simplest things are really effective!)
  5. Change to new and improved light bulbs.Reduce energy use from about a third to as much as 80% withtoday’s increasing number of energy-efficient halogen incandescents, CFLs and LEDs.
  6. Look for the Energy Star label, the government’s symbol of energy efficiency, on a wide range of consumer products to save up to 30% on related electricity bills.
  7. Use low-flow faucets and shower headsto save on waterbills.
  8. Clean or change filters regularly. A dirty furnace or A/C filter will slow down air flow and make the system work harder to keep you warm or cool.
  9. Reduce water heater temperature to 130° F to save energy and money on heating water; and wrap the water storage tank in a specially-designed “blanket” to retain the heat.
  10. Seal air leaks and properly insulate to save up to 20% on heating and cooling bills, while also increasing home comfort.

Posted by Jodie Ford on March 7th, 2016 3:47 PMLeave a Comment

February 18th, 2016 1:20 PM

9 Common Real Estate Myths

Buying or selling your Joint Base Charleston home is not something you do everyday. You may do it once a decade, or even once in a lifetime. Despite the fact that most enter the world of real estate only rarely, some think they know how it works based on the experiences of friends and family members, stories they have heard and things they have read.  However, real estate agents do this every single day and stay current with the market and changing regulations. 

For everything known about the industry, there are a number of myths that circulate about how real estate actually works. Buying into those can hurt your chances of buying or selling the right home at the right price.

The Internet has made much more information available to consumers, but not all the information is equal, or even accurate.

The danger with believing everything you hear or read is real estate myths can cost you money when it's time to buy or sell a home. Here are nine of the most common MYTHS that can trip up buyers and sellers:

Set your home price higher than what you expect to get. Listing your home at too high a price may actually net you a lower price. That's because shoppers and their real estate agents often don't even look at homes that are priced above market value. It's true you can always lower the price if the house doesn't garner any offers in the first few weeks. But that comes with its own set of problems, because are concerned once a home has been sitting for several weeks or months.

You can get a better deal as a buyer if you don't use a real estate agent. This is completely false. If the house is listed with a real estate agent, the total sales commission is built into the price. If the buyers do not have an agent, the seller's agent will receive the entire commission.

You can save money selling your home yourself. Some people do successfully sell homes on their own, but they need the skills to get the home listed online, market the home to prospective buyers, negotiate the contract and then deal with any issues that arise during the inspection or loan application phases. It's not impossible to sell a home on your own, but you'll find that buyers expect a substantial discount when you do, so what you save on a real estate commission may end up meaning a lower price. It's not impossible to sell your home on your own for the same price you'd get with an agent, but it's not easy.

The market will only go up. In recent years, homebuyers and sellers have experienced a time of increasing home values, then a sharp decline during the economic downturn and now another period of increasing values. "They think that the market only goes up," Elika says. "They don't think about when a correction will come." The most recent recession should have reminded everyone that real estate prices can indeed fall, and fall a lot. Economist Robert Shiller created an inflation-adjusted index for home prices dating to 1890 and found that home prices have fallen a number of times over the years, including in the early 1990s, the early 1980s and the mid-1970s.

You should renovate your kitchen and bathroom before you sell. If your kitchen and baths work, a major remodel could backfire. Prospective buyers may not share your taste, but they don't want to redo something that has just been renovated. "You're better off adjusting your price accordingly," says Kevin Brown Jr., president of Praedium Real Estate Services in Pittsburgh and a regional director of the NAEBA. "Most buyers want to put their own spin on things."

You'll earn back what you spend on renovations. If you fix the heating and air conditioning system or roof, you will sell your house more quickly, but you probably won't recoup what you spent. According to Remodeling magazine's 2015 Cost vs. Value Report, the only renovation that is likely to net you as much as you spent is a new front door. You're likely to recoup only 67.8 percent of what you spent on a major kitchen remodel and 70 percent of what you spent on a bathroom remodel on a mid-range home. If you're going to do these projects, it's better to do them for your own enjoyment

All the properties listed in the multiple listing service show up online.  Most do, but it never hurts to verify that yours will. Third party websites aren’t always accurate either, so keep this in mind when using them to research. 

Open houses sell properties. Homes rarely sell to buyers who visited them during an open house. Agents like open houses because it enables them to find additional customers who are looking to buy or sell homes.

The agent who shows you homes or lists your home represents your interests. Maybe and maybe not. In South Carolina, a customer has the option of signing an agreement for the agent to represent him as a listing agent or as a buyer's agent. If you were to contact the listing agent of a house that you are interested in as a buyer, that agent works for the seller and has the seller’s best interest in mind, not yours.  It’s always the best idea to have your own agent in all transactions, and this is no exception with buying from a builder in a brand new neighborhood. 


Posted by Jodie Ford on February 18th, 2016 1:20 PMLeave a Comment

6 Things Everyone Should Do When Moving Into Your New Joint Base Charleston Home

Moving into your first home is exciting! But it also means you’ve got work to do.

 1. Change the locks. You really don’t know who else has keys to your home, so change the locks. That ensures you’re the only person who has access. Install new deadbolts yourself for as little as $10 per lock, or call a locksmith.

2. Check for plumbing leaks. Your home inspector will do this for you before closing, but it never hurts to double-check. Keep an eye out for dripping faucets and running toilets, and check your water heater for signs of a leak

3. Steam clean carpets. Do this before you move your furniture in, and your new home life will be off to a fresh start.

4. Wipe out your cabinets. Make sure to wipe inside and out, preferably with a non-toxic cleaner, and replace contact paper if necessary. 

5. Inspect for Uninvited Guests. Your home inspector will include any comments about potential rodent problems.  If there is any evidence of rodents, be sure we to take care of the problem before it turns into a major issue.

6. Introduce yourself to your circuit breaker box and main water valve.  It’s a good idea to figure out which fuses control what parts of your house and label them accordingly.  You’ll want to know how to turn off your main water valve if you have a plumbing emergency, if a 
hurricane or 
tornado is headed your way, or if you’re going out of town. Just locate the valve — it could be inside or outside your house — and turn the knob until it’s off. Test it by turning on any faucet in the house; no water should come out.

Posted by Jodie Ford on February 5th, 2016 2:18 PMLeave a Comment


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