Call me today to learn more or to schedule a showing. Don't forget to expand your search at www.HomeOnLakeMurray.com.
Wednesday, April 29, 2015
108 Water Hickory Way Columbia SC
Call me today to learn more or to schedule a showing. Don't forget to expand your search at www.HomeOnLakeMurray.com.
Wednesday, October 15, 2014
Don't Miss this New Listing in Newberry, SC
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Monday, May 12, 2014
Residential for sale - 112 WEST HORN COURT, Chapin, SC
This charming 2 bedroom, 2 bathroom patio home could be yours. Well kept home with a spacious floor plan helps you feel right at home. A large master suite with a private bath for relaxing and a open kitchen plan that is great for entertaining. This home is nestled close to downtown Chapin and only minutes from the interstate, schools and even beautiful Lake Murray. Contact me to schedule an appointment to fall in love with this home.
www.HomeOnLakeMurray.com
803.309.1391
Friday, May 2, 2014
The American Dream
Home ownership has long been considered the American dream. Many of our ancestors came to the United States to find their own dream of finding independence, freedom, and own their own piece of the world. Real estate these days is a long way off from the original homesteaders. You now have to meet certain criteria to qualify to own a home. Many of us, for one reason or another, believe we can't afford to own a home. The truth is that you may be better off than you think. Here are some common myth's and the facts that bust them.
Myth #1: "I can't afford a house payment."
Truth #1: Chances are that if you do not own a home, you are paying rent. Generally speaking, for the same amount you are currently paying in rent, you could afford to make the monthly payment on a similar or, most likely, nicer home than what you are living in now.
Myth #2: "My credit isn't good enough to finance a home."
Truth #2: You're not alone in feeling this way. Many Americans have had credit issues and may doubt their own buying power. However...did you know that the Feds recently lowered the minimum credit score eligible to secure a home loan? And because a home is stationary and considered by most as an investment, banks are more likely to approve you for a home loan than a loan for a new car. If you're not sure, talk to a specialist or a loan officer to see how you can work to improve your credit rating. The best way is to always pay your bills on time.
Myth #3: "I need to make a huge down-payment."
Truth #3: If you have the means, I absolutely recommend a nice down-payment and financing for the shortest amount of time available. However, many do not have that luxury....Yet! But that's another post. There are several programs available that can minimize your down-payment. If you are a Veteran you may qualify for a VA loan that can offer up to 100% financing. That means no down payment in many cases. There are also FHA loans that only require a 3.5% down payment. You can also talk to a local loan specialist to see if there are any additional programs in your area that allow for low or no down-payment options.
So, the home ownership part of the American dream may not be out of reach after all. If you truly want to own a home, make it your goal and focus on the things you need to do to make that goal a reality. You don't have to make it all happen at once, either. Some things take time. The best things in life take time. Just don't give up!
If you are ready now, then take the next step. Find a Realtor that will help guide you through the process and show you the steps you need to take to make your dream come true.
I will be glad to help you if you're in the Columbia, SC, Lexington, SC, or Newberry, SC areas. If you're elsewhere and don't know an agent, let me help you find one in your area. I have an extensive network of agents across the globe who would be glad to help you.
I can also help you find a loan specialist to answer any questions you may have about getting financing on a new home.
www.HomeOnLakeMurray.com
www.HomeInColumbiaSC.com
Myth #1: "I can't afford a house payment."
Truth #1: Chances are that if you do not own a home, you are paying rent. Generally speaking, for the same amount you are currently paying in rent, you could afford to make the monthly payment on a similar or, most likely, nicer home than what you are living in now.
Myth #2: "My credit isn't good enough to finance a home."
Truth #2: You're not alone in feeling this way. Many Americans have had credit issues and may doubt their own buying power. However...did you know that the Feds recently lowered the minimum credit score eligible to secure a home loan? And because a home is stationary and considered by most as an investment, banks are more likely to approve you for a home loan than a loan for a new car. If you're not sure, talk to a specialist or a loan officer to see how you can work to improve your credit rating. The best way is to always pay your bills on time.
Myth #3: "I need to make a huge down-payment."
Truth #3: If you have the means, I absolutely recommend a nice down-payment and financing for the shortest amount of time available. However, many do not have that luxury....Yet! But that's another post. There are several programs available that can minimize your down-payment. If you are a Veteran you may qualify for a VA loan that can offer up to 100% financing. That means no down payment in many cases. There are also FHA loans that only require a 3.5% down payment. You can also talk to a local loan specialist to see if there are any additional programs in your area that allow for low or no down-payment options.
So, the home ownership part of the American dream may not be out of reach after all. If you truly want to own a home, make it your goal and focus on the things you need to do to make that goal a reality. You don't have to make it all happen at once, either. Some things take time. The best things in life take time. Just don't give up!
If you are ready now, then take the next step. Find a Realtor that will help guide you through the process and show you the steps you need to take to make your dream come true.
I will be glad to help you if you're in the Columbia, SC, Lexington, SC, or Newberry, SC areas. If you're elsewhere and don't know an agent, let me help you find one in your area. I have an extensive network of agents across the globe who would be glad to help you.
I can also help you find a loan specialist to answer any questions you may have about getting financing on a new home.
www.HomeOnLakeMurray.com
www.HomeInColumbiaSC.com
Thursday, February 27, 2014
Wednesday, February 26, 2014
Friday, November 1, 2013
The Answer is "42"
It's my birthday and an appropriate moment to stop and reflect on life, the universe, and everything. It has been a great journey, so far. There have been plenty of ups and downs, moments of despair and depression, and moments of overwhelming joy. I guess you could say I have just about experienced all anyone could ask out of a life here on this little blue and green planet.
There are lots of things that I have a better appreciation of having gone through the trials in my life. I truly appreciate those who are my support system. Mainly my wonderful and beautiful wife, Ashley. She has been a light in dark times and has always encouraged me to continue to seek a strong relationship with God so I can be a spiritual leader for her and our family. No less important are the rest of my family who have, in many different ways, been supportive and understanding.
The one area of my life I wish I could improve on would be my relationship with friends. I grew up in an age when there were no cell phones, emails, or Facebook. When my friends and I went our different ways after high school and college, we would have to call each other's parents or write a letter in order to stay in touch or get updates regarding how to contact them. It wasn't always easy. For a bashful introvert, like me, it was nearly impossible. Needless to say, I lost contact with a lot of people that I considered to be good friends. Thanks to modern social media, I have been able to reconnect with many of those friends, but the closeness just isn't there anymore because we all have built new friendships with those that we interact with on a more frequent or routine basis. I have accepted that for what it is and understand "that's life." The part I am most disappointed with, though, is that the friendships I have cultivated through church, job, and community have mostly deteriorated due to lies and selfishness. I have lived in the same area for about 18 years. I built friendships that I thought were real and genuine. They saw my struggles and I shared my fears and desires. They seemed to understand and seemed to want to help. However, when I finally reach a point where I have to make a change, they turn their backs to me, believe lies that contradict everything they have heard and witnessed beforehand, and in some fashion shun me from their lives. I attempt to make contact with them and sometimes get a response, most of the time not. If it were not for me reaching out to them, then there would be no contact at all. It saddens me to think these "friends" could be so cruel. I have lost my dream job, friends, and more because of two-faced manipulative actions of others. Some may not even realize this phenomenon. Others...they choose to believe the lies, consider me the enemy and all pretend life is great. In a small town, these lies spread and despite my efforts to move forward and make new friends or find a new job, I run into situations where those spreading lies and rumors continue to stay one step ahead to insure that I will have difficulty moving on.
The antagonist becomes the hero, the victim becomes the outcast.
That's what life has taught me. Despite that, I believe the nice will not finish last. I believe that God has a plan for my life and it is for good. I cherish the true friends I have and thank God for them everyday. As for the others...I guess it's their loss. They probably weren't good friends to begin with.
So, now I am starting new. Today is my birthday. It's the start of a new year of my life. I am embarking on a new career, a new perspective, and a new life. I have a lot to be thankful for. Sure things could be better (easier), but this is my life and it's the only life I want. I will continue to try to be a positive influence, a supportive husband and father, and a faithful servant.
Although I may not know the ultimate question to life, the universe and everything, I do know the answer is 42!
I'm taking my life back! And life is good!
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