What is Mortgage Forbearance?

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There's so much new information emerging each day relating to COVID-19. Today, I want to specifically focus on some assistance available for those who will not be able to pay mortgage payments due to hardships caused by the virus. 

CARES Act

CARES Act  stands for Coronavirus Aid, Relief, and Economic Security. It includes some mortgage assistance.  Before you take any action regarding your loan payments, you should contact your mortgage servicer.

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What is Forbearance? 

Forbearance is the action of refraining from exercising a legal right, such as enforcing the payment of a debt.  Your mortgage servicer or lender can allow you to pause or reduce your mortgage payments for a limited period of time.  The CARES Act addresses the following in relation to mortgages:

1) Eligible homeowners who are experiencing a financial hardship due to COVID-19 have the right to mortgage forbearance. 

2) There is a temporary moratorium on foreclosure proceedings. 

Who is eligible for mortgage forbearance?

If your loan is federally backed, you could qualify for these benefits.  If you don't know if your loan is federally backed, these links should help:

This does not erase the debt!! Since the mortgage servicers have the right to immediately demand the total balance accumulated during the forbearance period, it's best to continue to pay mortgage payments if at all  possible. If you are unable to make your mortgage payments, you should call your servicer to find out what your options are. 

Don't hesitate to reach out if you have any questions or need information or support. 


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Reasons a Home Buyer Benefits From Working With a Buyer’s Agent

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While buying a home should be a fun and exciting experience, it isn't as simple as as they make it appear on those house hunting shows. In reality there are a lot of things that can go wrong that can potentially cause a buyer to lose time, money, or even the home of their dreams. The good news is that most of those pitfalls can be prevented. 
One of the best things a buyer can do to help ensure a smooth and successful transaction is to first find a trusted buyer's agent before they start looking for homes for sale.  There are some tips and suggestions for buyers to know they are hiring the right agent for the job. There are also many misconceptions on the topic. If you are wondering if you should hire a buyer's agent, here are a few valid reasons why you should: 


Home buyer's best interests are protected at no cost. 

A listing agent has a responsibility to protect the seller's best interests. Buyers can have their own agent help them with any home that's listed on MLS. Buyer's agents can also help with homes being sold by owner. To take it a step further, a great agent will even find  a home that's not yet even on the market if there's nothing listed that meets their buyer client's criteria. Buyers can have their own agent who is ethically bound to represent their own best interests at all times. The best news is that the buyer doesn't have to pay for this invaluable service. 

 Home buyers get access to the most current listings and property information.

Buyers often begin their home search by searching online or driving around finding yard signs and open houses. Those 3rd party property sites pull information from various sources to include public record and rely on algorithms to guess values. Homes that are listed For Sale on those sites are often already under contract or sold. Taking a drive can be an enjoyable way to spend a leisurely afternoon, but it is not a very practical way to find the best home. A buyer's agent can make sure their clients are notified immediately of any new listings or price adjustments. They can provide up to date information and schedule all appointments. This saves valuable time and reduces the chance of missing out on 'The Right One'.

Home buyers need answers, information, and someone who understands real estate contracts on their side.

A good buyer's agent will be able to answer questions using their knowledge and experience or they will be able to recommended  trusted professionals such as a lenders, inspectors, surveyors, or attorneys. A great buyer's agent will provide answers to the questions that are not even asked but crucial to a successful and pleasant experience. There are so many things buyers need to know before they even start looking:  How much will closing costs be? What is a  prepaid expense? What loan programs are available? Are there any options for down payment or closing cost assistance? A buyer's agent will write up the contract according the their buyer's individual needs and best interests.  Buyers will need someone with expert negotiating skills on their side.  One wrong date, missing initial, blank line, unchecked box, or missed deadline can be costly and critical. There are countless things to consider when writing an offer and negotiating a contract, so most buyers  would agree that they would prefer having someone who doesn't represent or solely represent the seller help them with their negotiations.

Home buyers need advice and help with negotiations.

If a buyer is not represented, the listing (seller's) agent can help that buyer as a customer. In this case the listing agent must be honest and disclose known defects to the buyer, but that's all. If the buyer isn't represented, the listing agent has a duty to the seller and the seller's best interests. For instance, if the listing agent knows there's a roof leak, they would have a duty to tell a buyer customer about the known defect. But, if the buyer customer tells the listing agent they want to waive their right to an inspection to 'save money', the listing agent wouldn't be able to stress the importance of a home inspection to evaluate other possible unknown issues, because that's not in the sellers best interest.  That's just one example of why it's very important to understand Broker Relationships and exactly how each party is represented.  Not only does a buyer's agent negotiate offers to help the buyer get the best deal and terms possible, they also offer options and solutions throughout the transaction with their buyer's needs in mind. 

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There are things to consider when choosing the best buyer's agent for the job. It's a good idea to interview a few to make sure you find someone who is knowledgeable, but also someone you will be comfortable working with. After all, this may be the most significant purchase you will ever make. I would be honored to be one of the few you interview or recommend!  

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Keeping it Real: A Day in the Life of Me

The only thing missing is the green tea I drink in between these 2 guys...

I'm going to share just a few of the highlights from my day. You can't make this stuff up!!

Combined with no sleep.. So thankful for good concealer.

-I caved and ordered carry out tonight, breaking my longest cooking streak in recent history....Three nights in a row. One of the three was leftovers. One of the three was actually edible. 

-After having back to back appointments yesterday (which is the mark of an excellent day for a real estate agent) I did paperwork and prep for next day until 2AM. 

-I discovered, quite by accident, that I can stay awake for an entire TV episode if I watch it standing up!  This was momentous.  Finally watched all of  Season 3 Episode 4 of Stranger Things . Who knew I just needed to watch it standing up while folding the mountain of clothes that were covering my bed at 2AM? 

-Risked a nudge from an over zealous Words With Friends opponent, by going  straight to sleep after clothes folding marathon. Almost asleep before my head hit the pillow when I had a panic moment.  I forgot to email updates to my sellers as I do on Thursdays.  Even though it was technically Friday,  I jumped up and sent my email updates.

-4:45 AM found me back in bed. I decided to 'sleep in' until 7:45 making it an even three hours. 

-I woke up 3 minutes before my alarm and stumbled to the kitchen to start  coffee. I applauded myself for having the foresight to put the water in the coffee maker 'last night'.  I debated postponing Samson's morning walk since I was starting the day late, but he'd have none of that. 

-After walk I was happy to come back home to my family sitting around the counter. Until I pushed the button for coffee to find that they had drank the whole pot. (insert profanity) (Shook it off) My son made me more coffee. 

-Got ready for first listing appointment of the day.  Owner had indicated she was interviewing two other agents and I felt like I was the obligatory third that she was using to rule out the second and go with the first. Even though I was super prepared, I listened to two of my "Get It, Girl" songs at full volume while putting on make up. I won't say what my lucky songs are, but one is by Eminem and the other Eric B and Rakim.  Anyway, I don't have time for conventional therapy, so I use all types of music for healing and inspiration.

-Got the listing and made new friends in the process. (human and canine)

-Spent part of day showing property. Got a few more clients under contract and a few others closer. 

-Lost three hours of work due to a computer glitch/log out. Note to self: Maybe there's  something to this Mercury Retrograde thing....

-Got a present from a client/friend.  It's the biggest most delicious loaf of challah I have ever seen.  

-Realized I'm twelve hours into day and didn't plan for dinner. 

-Decided to procrastinate dinner plans further and walked Samson to the park. Before getting back to my house a bird came screeching and dive bombing at us. I thought  maybe I was delirious from lack of sleep and hunger but picked up pace just in case I was about to get attacked by a bird.   He came at us again.  My 165lb  big baby of a dog became concerned and picked up pace as well. A neighbor, who had been sitting on his front porch, stood up to get a better view of the bird attack.  At this point, I started waving my arms and moved off the sidewalk toward the middle of the road in case I was near a nest. My first ever conversation with this neighbor went like this: 

Me: "He's coming at me." Him: "I see that." Me: "I wonder if he has bird flu." Him: "Maybe so."   At which point, the bird circled back toward us screeching in a very threatening manner.   Samson and I took off running toward our house. My reading glasses fell off the top of my head into the street but I was able to escape the attack with no injuries.  Bright side:  Best cardio I've had all week. Plus, I didn't feel as guilty about ordering food only 4 days into my 'no eating out' month.  Pretty sure I provided quality entertainment for my neighbor, too.

Happy Friday, Y'all!  

Kvelling and  cradling my  homemade challah gift. 

Home Buyer’s Checklist

10 Things to Do After You Are Under Contract

Once you get under contract to buy a home, you are one step closer, but there's still some work to be done. Even though I help my clients every step of the way, it's still good to be prepared, so here's a list. I've also attached a VERY useful Buyer's Guide. 

  1. Earnest Money AKA Good Faith Deposit: This is money that says you are real and serious about buying the property. Make sure it's delivered to my office, your closing attorney, or me (whatever is most convenient for you) in the time, amount, and format as stated in the sales contract. 
  2. Property Inspection: Choose your inspector(s) and get them scheduled ASAP to determine if any repairs are needed. A licensed home inspector will give you a thorough overall report on the house and let you know if there are any indications that further inspections are needed.  The CL100 is a separate pest inspection where the inspector checks for termites, termite damage, and moisture levels. If you don't have an inspector, your agent can help with recommendations.  (*Inspections are almost always paid upon delivery rather than at closing. CL100s can almost always be paid at closing.) 

3. Lender Docs: The minute you go under contract, your lender needs a copy. I always send a copy to the lender as well as the closing attorney. Make sure you get the all the requested documentation to your lender as soon as it's  requested. This is crucial to the timing and success of the closing. 

4. Title Work: Your attorney will initiate the title search and exam. This makes sure the house actually becomes YOUR house. They will check to make sure there are no previous tax liens, federal liens, or judgments. Be sure to review the title commitment once you receive it. I highly recommend asking them about title insurance. 

5. Appraisal: Under most circumstances the appraisal should be ordered as soon as you have performed your inspections and (if necessary) had sellers address any repairs.  Your lender will order this from an appraisal management company. The appraiser will determine the value of the home based on other recent comparable sold homes in the area.  They will then upload it and make it available to your lender who will provide it to you. (*Some lenders require the appraisal to be paid upfront.)

6. Insurance: Choose your home owner's insurance provider and provide the relevant information to attorney and your lender.  You can shop around for suitable coverage and rates. Don't let anyone run your credit before getting the OK from your lender!  If you need recommendations for insurance providers, just ask! 

7: Utilities: Call to arrange for utilities to be transferred on closing date. This may require a deposit. Again, don't let anyone run your credit without first checking with your lender. 

8: Schedule Closing: Make sure you coordinate with attorney to set up a firm date and time to sign your closing docs. This usually takes between 45 minutes and an hour and most attorneys are open Monday-Friday. Some close early on Friday. Please note that in Horry county buyers and sellers close separately and keys are not given until the deed records. If it's important to get your keys on the same day, let your agent and attorney know. 

9: Final Walk through: Before closing, you'll want to do a final walk through to make sure everything is ready for closing. 

10: Close the Deal: Bring your photo ID and make sure you've gotten wire instructions from attorney's office. Make sure you get them directly from your attorney and NOT via email for risk of attempted wire fraud. Your lender/attorney will NEVER change wiring instructions via email. Some attorneys will allow you to bring a cashier's check.  Be on time and be ready to sign your name a few dozen times! 

Confessions of a Real Estate Agent

Disclaimer: *These are (some of) MY confessions and don't necessarily apply to all real estate agents.  **In my attempt to write more frequent and individual entries, I may sometimes blog about personal realizations rather than market stats, buyer/seller tips, etc.  

Back story:  My son told me right after graduating high school that he planned on being a real estate agent. He still wanted the college experience and  worked hard to graduate a full semester early with 2 degrees. He immediately signed up for his real estate  class, but has spent several hours each day  learning some of the many things he will need to know for his future career. He had soaked up more knowledge than either of us realized just by learning from osmosis from the time he was 10 years old.  I will try to stay on track, since this is supposed to be about my confessions as a real estate agent.    These are things I learned about myself while teaching him:

"It's important to communicate well.  Not only with your current clients, but also with future and past clients."   

This is some solid advice I gave Ian last week. I explained how it's a delicate balance to stay in touch  without coming off as pushy. I shared my  method of discussing real estate needs, expectations, and time frame upfront. Then, respecting whatever the potential client tells me.  A 'just looking ' or 'curious about what my house is worth'  person needs to know I won't be blowing up their phone every day, though they can always reach out if they need my assistance.   A 'ready to buy or sell yesterday' person needs to know that their needs are understood and prioritized.      I told him the importance of  touching base with past clients at least  every couple months to see how they are doing. 

As I'm telling him all this, I start thinking about how much better I could do at keeping in touch. I have the best intentions but end up in a constant cycle of having new homes to find, new contracts or repairs to negotiate, new fires to put out, new closings to go to and I don't follow up as often as I should with my previous clients. Keeping in touch after closing is not even something that feels like obligation.   When you work with someone on something as important as the sale or purchase of their home, you establish a relationship and want to know how they are doing. Did their son got the part in the play? Did they have a chance to try the restaurant I recommended?    I vow to do better on keeping in touch! 

"It's important to establish hours and work smarter, not longer. You must be flexible and available, but also make sure you set aside time for yourself and loved ones."

This is great advice to give a new real estate agent.  I don't even know where to start with this confession. I work smart and long and still don't get everything on my list done each day. But I've come to realize that I never will nor do I want to complete my list. My lofty goals and long lists keep me motivated.  I've learned to prioritize so I get the important things done. It's not uncommon for me to work 12-14  hour days during the week, but that allows me to work 'reasonable hours' on Saturday, and more often than not have much of Sunday free. Example of how plans go awry: Last night I got caught up on paperwork so I could deep clean my own house and have some 'me time' today. I came into my office to answer 'time sensitive' emails and 6 hours later find myself severely sidetracked with things that could have waited until Monday.  House isn't clean.  🙁 

"It's very important to keep track of time spent,  transactions done, and to keep written goals, so you know what you've done and what you are capable of doing." 

As I'm saying this, I'm recalling a conversation I had with my new CPA at our initial consult recently.  CPA: ' Mary, how many transactions did you do in 2018? ' Me:   '2 boxes full?'  I definitely need to do better with the written goals. 

"It's important to  build your business attire wardrobe.  Even if you work from home, you should dress like a professional each and every day." 

Sometimes a buyer client will want to see a house on short notice and I will make the appointment and show up in jeans and a concert t-shirt. That's not my norm, but it's part of the 'flexible' part I was talking about earlier.  I can and do present myself in professional attire, but not every single day.  

You've all seen the headshots we agents put on our websites and cards. Some appear to be  1990 Glamour Shots.  Some are recent with a generous amount of photo editing. I will just tell you that when you speak to me on the phone, I am not standing in from of a for sale sign with my arms crossed. I probably don't have on a belted business suit or one button blazer. I am most likely in my car, walking into an appointment, or preparing a CMA in my home office  while stuffing a Cliff Bar in my face and asking Alexa how much time it's going to take to get to my next appointment. I have negotiated a purchase price from a highropes course.  I've resolvled inspection issues from the  mountains of Japan. I have set up showing appointments from a hospital bed, and talked to clients from every room in my house to include the bathroom. (sorry for the visual.)   

It's nice to dress well and present yourself in a professional way and I need to relay this to my son. But... he has seen me on many days where I'm so busy that I'm lucky if I have on matching shoes.  He will develop his own style to go along with a strong work ethic, a genuine desire to help people, and a gift for problem solving.  I can't wait to see what else I learn about myself during his journey. 

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Who you think you are talking to..

Who you may actually be talking to...

If you ever need help with  real estate needs or just have a general question, and you are ok working with all I mentioned above, don't heistate to call or message me!  

843-450-6390


Another Reason I Love What I Do

Before I tell you, I need to give a some back story.  Many years ago, when I was a brand new real estate agent, I was referred to a seller in a community called Woodwinds, which is located off of Highway 544 in Conway.  Soon after I helped that seller,  another homeowner in the community contacted me to assist with the sale of her home.

 I was very fortunate to have a couple great  mentors who taught me  the special circumstances that have to be considered when buying/selling manufactured homes.   Is the title retired?  Does the seller have the title in hand?  Does the seller own the land or is it leased? Is it on a permanent foundation? What do we do if it was not closed properly the previous time?  Is there financing available? Those are all things I was taught early on.  That knowledge has been extremely valuable throughout my career . Now I know what questions to ask, what documents to gather, what research has to be done on the front end to help ensure a smooth transaction from start to finish. 

After my second successful closing in Woodwinds, I decided that I was going to focus on trying to help as many people in that community  as possible. I was going to make Woodwinds 'my farm'.  Farming to a real estate agent is when we choose a geographical location and focus the bulk of our  marketing on that location.  We can do 'pop bys'  (where we drop by with information and gifts if allowed) . That's  not my method, since I wouldn't appreciate someone knocking on my door unannounced, but I'm getting off topic.  We also can send mailers with information about the local market, neighborhood happenings, or other information that members of the community could find useful.  This was my preferred method.  I addressed envelopes by hand to every address in the neighborhood, stuffed each envelope with my original Woodwinds newsletters, and put stamps on each envelope.   I could have metered via bulk mail for less postage, but I felt like it would be more personal with a stamp and a handwritten envelope vs printed labels.  I sent mailers 3-4 times annually for several years and over the years was contacted by many residents. I listed and helped sell several homes, but also connected with lots of people in other ways. They knew they could call to ask me general real estate questions. They knew I would  recommend plumbers, electricians, contractors, pet sitters, etc. I even made friends with a lady who initially called to yell at me for sending her letters.     🙂 

Over the years it seemed that my mailers got less and less response, but looking back, it was probably because  I wasn't making the time to send them as frequently as I should. The last Woodwinds Newsletter was probably sent around 2011 or 2012.  So, imagine my surprise when I got a call a few weeks back from very nice lady who wanted some information on home values in Woodwinds. During the conversation, I mentioned that I was very familiar with her neighborhood. I told her I had actually sent out quarterly newsletters years ago. She already knew that because that's how she got my name and number.  She had saved the newsletter to call me if she ever wanted to sell her home! That made my whole entire day to hear that.

Fast forward to the best part:  After all these years, I listed her home for sale. Two days later she received multiple offers and is under contract!  Another reason to love what I do:  I get to meet and get to know so many wonderful people each and every day and sometimes it's when I least expect it.  Note to self.. maybe it's time to start another quarterly newsletter!? 

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Important Flood Insurance Information

IMPORTANT NEWS ABOUT FLOOD INSURANCE

If you are closing on a new home and require flood insurance, you'll need to know what to expect due to FEMA's notification that they will not be able to sell or renew flood insurance policies under the National Flood Insurance Program during the partial government shutdown. 

  • NFIP cannot sell flood insurance policies unless FEMA reverses its policy decision or the government shut down ends.
  • Existing NFIP policies should remain in effect until their expiration date  (renewal date plus a 30-day grace period), and claims will continue to be paid as long as FEMA has the funds on hand.
  • Renewal policies are generally issued as long as the application is received prior to a lapse and the premium is received within the 30-day grace period. Other renewals must wait for reauthorization.
  • Property buyers can assume existing/renewal policies during a lapse. “Assignment of policies” (page 3 here) allows insurers to substitute the buyer’s name for the seller’s without having to reissue the policy.
  • Private flood insurance backed by a source other than NFIP (e.g., Lloyd’s of London) are not affected. Click here and here for some options. Please be sure to READ THE FINE PRINT.
  • The federal requirement to purchase flood insurance is suspended, which means it is up to lenders to decide whether to make loans in special flood hazard areas while NFIP insurance is not available.


The National Association of Realtors is working overtime to address this with FEMA. 

FEMA will only overturn their decision if they are presented with evidence that markets will be adversely impacted.

ACTION: If you are an agent or buyer and have a pending closing that requires the purchase of flood insurance, the National Association of Realtors needs to be notified  immediately so the information can be compiled and shared  with FEMA and Congress.

Jealousy Makes You Nasty

I know envy is contrary to virtue and besides that isn't a very attractive attribute.  Whenever I feel the slightest twinge of it, I can literally hear my nephew  say, "Jealousy makes you nasty."  So  I try to put the brakes on, because let's face it...who wants to be nasty?  

I guess I should tell you right away that this blog entry is not going to have anything to do with real estate, so if you want to know what the interest rates are doing or how the local market is, you'll just have to come back later in the week or give me a call.  

 Anyone who knows me,  is definitely aware of  how much I love my career, but also how much I value my family. I have a wonderful husband. I have 2 biological (grown up) kids, 1  (grown up) kid who has been a part of our family for many years, and now my kids have significant others.  I'm not sure how my kids  grew up 'overnight',  but it happened.  I can recall,  like it was yesterday,  getting stressed out about conflicting sports schedules, projects due the next day that were assigned weeks prior, finding out that I had to bake 4 dozen cupcakes at midnight, or that I would need to buy $200 in wrapping paper so my child could jump in a ball pit...(the list goes on and on and many parents will be able to relate). Anyway, seasoned parents would tell me, "Enjoy these moments, because your kids will be grown in the blink of an eye and you'll miss all this."  I would, of course, chalk this up to something erstwhile parents say to make frazzled parents feel better, but now I realize that it is so very true. I  even find myself  saying this very thing to parents with young children. 

I can't go into all the stages and feelings of having your babies grow into adulthood, but I will say that when they start school you miss the baby snuggles.  When they leave elementary school, you miss the handmade art projects.  When they graduate,  you even miss the crazy sports schedules and midnight cupcake baking. When they go away to college, or move to Japan, you miss having them under one  roof.  You also, if you are completely honest with yourself, probably get a tiny bit jealous of people who still get to enjoy all of those things with their young children. 

So many of my friends and associates have younger kids and it seems like lately, everyone I know is having a baby.  Don't get me wrong, I am not consumed with jealousy. On the contrary , I am happy for them and all the things they have to look forward to. I am also getting used to this next chapter of being able to enjoy the company of my adult children without all the responsibilities I had when they were younger.  But I still miss little things....like the art projects. Which brings me to what inspired this entry.....

I came home to find this on the counter. It's a turtle pen holder than was made especially for me in college art class by one of the grown up kids. I didn't make a huge deal over it, but it made me so happy that I may have shed a (happy) tear.  It's  in my home office and whenever I  Iook it I  recall a multitude of priceless memories from years gone but it is also a reminder that I have the best of both worlds in this next chapter with my adult kids. 


I don't have to provide 150 orange slices for the soccer team with 15 minutes notice or dye 5 dozen eggs for an egg hunt, but they will still humor me and do these activities even though they are grown. 


They still come to my birthday parties but now they can also go with me to happy hour. I may not know all the characters  on Paw Patrol and I have no idea what a Hatchimal is, but my kids teach me Japanese culture, introduce me to new music like Bassnectar, and taught me to play the drinking version of Yaniv. 




 I also am lucky enough to attend some birthday parties of my friends' young children and get to go to baby showers so I am not in complete withdrawal.

So, whenever I feel a tiny bit sad that I don't have young kids at home anymore,  I will glance at my turtle pen holder and be thankful I have the best of both worlds. Then I will plan a date night with my husband, see if any of my kids or extended kids want to go to a concert or movie,  or just take off for some Me time without feeling guilty. 



The Housing Market Didn’t Turn Into a Pumpkin

A lot of people feel that once Labor Day comes along, the real estate market changes.

It’s true… to select buyers and sellers and only to a degree.

For instance, families who have to make decisions based upon where their children go to school are more likely to have tried to move before the school year begins. So, people with kids in school may very well decide not to sell or buy a house until the school year is done, if they have a choice in the matter. 

Who would not be directely affected by the seasons when it comes to buying or selling a house? 

There’s constantly:

  • People moving in and out of the area for job transfers. (Even if they have kids in school.)
  • People who are retiring and moving out of the area, or downsizing.
  • People who are retiring and moving into the area, or downsizing.
  • Newlyweds buying their first house.
  • Single people buying their first house.
  • Families who need a larger home.
  • Sadly, there are deaths, divorces, and desperate times that lead to people selling homes.

The list could go on for pages.

But, in almost every area, it isn’t like Labor Day is the equivalent of the clock striking midnight and the market turning into a pumpkin until Spring.

Maybe there are minor adjustments. But the market doesn’t stop, or entirely turn into a buyer’s market or seller’s market overnight, just because it’s not Spring/Summer.  There are still buyers who need to buy and sellers who need to sell.  

So, if you’ve been thinking about buying or selling, don’t be concerned about what you might hear elsewhere. Just ask me, and I’ll help you figure out whether it affects you and your scenario at all.

      843-450-6390

Hurricane Florence Assistance

Were you affected by Hurricane Florence or know someone who was? 

The REALTORS® Relief Foundation has been mobilized and is ready to assist victims of Hurricane Florence living in Horry and Georgetown Counties, SC. If you have experienced hurricane damage to your primary residence,  you may be eligible for assistance. The REALTORS® Relief Foundation, established by the National Association of REALTORS® is providing relief up to $1,000. You must meet eligibility requirements.

Assistance is available to qualified applicants towards one of the following options:
1) Monthly mortgage expense for the primary residence that was damaged by Hurricane Florence.

2) Rental cost due to displacement from the primary residence resulting from Hurricane Florence.

Deadline for application submission is November 30,2018. Please note this assistance is for housing relief only; other expenses including second mortgages, vehicle purchase, rental, repair and or mileage are ineligible for reimbursement under this program.

The Coastal Carolina Association of Realtors is here to help our community members who have experienced devastation due to Hurricane Florence.   Please use the attached links for information or feel free to contact me if you have any questions or need help with application.  Please feel free to share this information with anyone you know who could use assistance. 

843-450-6390

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