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Columbus County : Real Estate Advice

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Activity 25
Thu Jun 8, 2017
Amanda.fouts asked:
0 votes 0 Answers Share Flag
Sat Dec 10, 2016
Marshall answered:
I am a private investor who does "Owner Financing" deals. We do charge around 8-10 percent interest. We DO NOT increase the price of the home. I feel it is either a higher rate or higher price. If your doing both of them look for something else. You are being taken advantage of, they are greedy sharks.

We understand people get into credit issues (We have personally). We look at the buyers ability to pay. Past rental history and rental amount. We then get the payment at a price they have shown they can afford. It is usually around what they are currently paying.

The payment will include Principal, interest, taxes, home owners insurance and loan servicing with escrow. We adjust the term and the rate to achieve this affordable amount. We do a full closing including promissory note or deed of trust (depending on state). Do not do Owner financing unless they are deeding the property to you or an entity you control.

Our loan servicer reports to the credit bureaus, we send you to the local United Way-they do credit counseling and charge a sliding scale-usually very reasonable. We also set you up with a mortgage broker who will tell you what you need to do to your credit so you can qualify. They can even tell you when they can get you a loan if you follow the instructions. All of these are up to you the buyer. We give you the tools and information so you can refinance the loan at a lower rate. It up to you to do it.
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2 votes 65 answers Share Flag
Wed Nov 23, 2016
bridget asked:
2 sisters seeking loan, credit in excess of 700. Mom has a foreclosure, from 4 years back.
0 votes 0 Answers Share Flag
Sun Jan 10, 2016
Reptilefun asked:
Thu Oct 29, 2015
Victory Property Management answered:
Most conventional loans will require a minimum credit score in the 620 - 640 range, though the preferred target is 680 and above. (Reference: http://www.rurdev.usda.gov/SupportDocuments/CA-SFH-GRHUnderwritingGuide.pdf). FHA loans, on the other hand, do accept a lower score but be prepared for higher fees and interest rates. FHA's website states: "Minimum credit score requirements for FHA home loans depend on which FHA loan product the applicant needs. Generally speaking, to get maximum financing on typical new home purchases, applicants should have a credit score of 580 or better. Those with credit scores between 500 and 579 are, according the the FHA guidelines, 'limited to 90 percent LTV'." (Reference: http://www.fha.com/fha_article.cfm?id=200.)

The best way to find out if you can qualify for a mortgage is to go on down to a lender and get pre-approved.
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0 votes 4 answers Share Flag
Sat Mar 14, 2015
Zeny Winn answered:
This is for the Homebuying in Hallsboro-

I suggest to hire a Realtor. Discuss with your Realtor about much you/your agent can negotiate then present that offer. It all depends i.e. but suggest to check first the comparables- how much you really like the house, how soon you need to find a house, any competing offers etc. Good Luck. ... more
0 votes 3 answers Share Flag
Tue May 6, 2014
rusty answered:
If it is a foreclosure banks can take their time responding to an offer to purchase, usually if the home has not been on the market for a long period then if your offer is within 10% of the list price then you are probably ok, however the banks do get multiple appraisals and usually put the home on the market in the range of the appraisals, make sure if you didn't to have a letter certificating funds or pre-approval ready, good luck ... more
0 votes 4 answers Share Flag
Wed Aug 14, 2013
Eric Hill answered:
there are very few lake-front homes at Lake Waccamaw with an acre or more lot. most aren't even half of an acre. the Bella Coola side of the lake is about the only side that you might find close to what you're looking for. Waccamaw Shores, Canal Cove and Lake Shore Dr are all set up with one house right after another. i would certainly be happy to try to help you find something acceptable. give me a call at 910-625-8199. ... more
0 votes 2 answers Share Flag
Tue Aug 13, 2013
Jacquelyn R. Davis answered:
The website is hudhomestore.com but if you find a property you would like to bid on you will need a HUD certified broker. Also be aware that HUD foreclosures are closed within 45 days in most cases, you are required to send certified funds with your offer as good faith money, usually $500 or $1000 depending on the value of the home. You should know when you place the bid that you are approved for the funds, not just "pre-approved". I am a HUD certified broker and will be glad to assist you. Jacquelyn R. Davis, Broker/Realtor, jackie DAVIS REAL ESTATE broker, 252-904-6212. ... more
0 votes 2 answers Share Flag
Mon Aug 5, 2013
Cindy Hommes answered:
This property is on 2.17 acres.
0 votes 2 answers Share Flag
Sun May 5, 2013
Kenneth "Kip" Nance answered:
Hi Colin,

You will find that the neighborhood is rural and quiet, surrounded by mostly farm land . Nakina is near the center of the county. There is no zoning to speak of that hinders you from building what you like and etc. You will be located about twenty minutes to the area beaches and about 30 minutes from North Myrtle Beach . If you like laid back living then this is surely a place to look into. I will be happy to assist you and send you the demographics of the area in a report by email. I would also like to speak with you about your home search here in the area, There are some great deals available at the moment. If you need financing we have that covered as well So call me at 910-207-2948 or email me at myrealtorkip@gmail,com . I will be looking forward to hearing from you. By the way what brings you to the area? Family, job, or are you local? Was just interested. Have a great week.

KIP
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0 votes 1 answer Share Flag
Mon Feb 4, 2013
Tracy Santrock answered:
I would look at the profiles and experience of the Realtors online and then choose a few to interview. Then choose the one you feel comfortable with to get the job done.
0 votes 2 answers Share Flag
Mon Oct 29, 2012
Tiffany answered:
Yes, it is approx a 3 hour drive.
0 votes 2 answers Share Flag
Thu Oct 18, 2012
MINNIWHEAT01 asked:
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This question was asked from this property: http://www.trulia.com/property/3070224163-155-Pineland-Woods-Rd-Whiteville-NC-28472
0 votes 0 Answers Share Flag
Tue May 1, 2012
Kenneth "Kip" Nance answered:
Hi Becca,

The home was removed from the market on the 31rst of August of last year. I will attempt to contact the owner and see if they are still interested in selling.. You can contact me at myrealtorkip@gmail.com thanks for your interest

KIp
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0 votes 1 answer Share Flag
Sat Dec 3, 2011
Kenneth "Kip" Nance answered:
Hi James.... i am sorry but i do not have a way in your question to know which home you are interested in.. Will be happy to answer any question you can email me back at myrealtorkip@gmail.com or call me directly ay 910-207-2948 ... more
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