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Latest Blog Posts

Recent South Carolina Ruling Deems HOA Foreclosure to “Shock the Conscience”

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Unbeknownst to many homeowners—even those who live within the purview of a homeowner’s association, or “HOA”—a South Carolina homeowner’s association has the legal right to foreclose on its members’ properties in order to collect unpaid fees and assessments. An HOA’s right to foreclose on an individual’s home has recently been limited, however. In a December…

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South Carolina Cities Rank in Top Housing Markets for 2020

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The state of South Carolina has a lot to offer homebuyers, according to a new survey compiled by realtor.com. Two South Carolina cities—Columbia and Charleston—have secured a seat in the report, which lists the top 10 housing markets for 2020. Whether you are a native South Carolinian looking for a change of pace or an…

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New Year Brings Lower Mortgage Rates

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The first week of the new year has brought a treat to those looking to purchase a home—lower mortgage interest rates. Mortgage rates have fallen to their lowest point in the past three months, with the average rate for a 30-year fixed rate mortgage being 3.69%. This decline in interest rates goes hand-in-hand with homebuyers’…

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What to Do Before the Closing of Your First Home

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Purchasing your first home is an experience that can be as stressful as it is exciting. When you have never purchased property before, the process can quickly become overwhelming. The following tips can make your home purchase move along more smoothly and eliminate some of the stress that accompanies the purchase of your first home.…

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What to Do Before Placing an Offer on Your First Home

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The process of purchasing a home can be stressful for even the most seasoned home buyer. For those who are purchasing their first home, however, this process can quickly become overwhelming. If you are in the market for your first home, there are several steps that you can take before placing an offer on your…

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What the Government Shutdown Means for Your Mortgage

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The United States’ current partial government shutdown is the longest on record in the country’s history, with hundreds of thousands of federal employees being furloughed. While banks are still in operation during this time, the mortgage industry isn’t immune from the shutdown’s effects—and if you’re a federal employee, you may be feeling the sting of…

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Understanding Your Escrow Account

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If you have obtained a home loan to purchase your home, don’t be fooled into thinking that your monthly mortgage payment will be based on the value of the home alone. The likelihood that you will have an escrow account is high, and can raise your monthly mortgage payment significantly. Your escrow account can be…

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Common Defenses in a Foreclosure Action

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If you are facing foreclosure in South Carolina, you are likely afraid, overwhelmed, and uncertain about what the future holds. Defending against a foreclosure action is possible in certain circumstances, but can take a great deal of time and emotional energy. If you are in the middle of a foreclosure action, it’s important to have…

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HOA Foreclosures Exist–Here’s What You Should Know

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If you are a homeowner in South Carolina, your property may be governed by a homeowner’s association (HOA). As a member of an HOA, you are likely subject to monthly or yearly assessments to the association. If you find yourself in a sticky financial situation, paying your HOA dues may be low on your list…

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Homeowner’s Associations and Their Powers

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If you are a South Carolina homeowner, you and your home may be under the supervision of a homeowner’s association, or HOA. In such a situation, it’s critical to understand the purpose of an HOA, along with the powers that the organization can hold over homeowners and their property. What is a Homeowner’s Association? When…

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Top Reasons for Closing Delays

The closing process can be a stressful period of time, even if the everything occurs without a hitch. If you encounter a problem that causes your closing to be delayed, the process can be especially aggravating—you could be left without a place to live for days on end, and could even subject yourself to legal…

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The Low-Down on Adjustable Rate Home Loans

If you are in the process of obtaining financing for the purchase of your home, you may be presented with several different options for home loans. While conventional loans are king in the world of mortgages, certain circumstances may make an adjustable rate mortgage (ARM) the right—or in some cases, completely wrong—loan option for you.…

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Top Reasons People Refinance a Mortgage

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If you are saddled with a mortgage with an extremely high interest rate or terms which you are not comfortable with, refinancing your mortgage may be a way to escape the offending loan. People refinance home loans for a multitude of reasons, but several reasons are more common than others. Common Reasons to Refinance a…

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Choosing the Right Real Estate Agent

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  If you are in the market to purchase a home, a real estate agent can be one of your most valuable assets. From the beginnings of the search for your home through the end of your closing, you and your agent will be communicating with each other very frequently. It’s important, then, to find…

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The Do’s and Don’ts of Applying for a Mortgage

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If you have decided to purchase a home and are applying for a mortgage, then there are several things that you should know about the mortgage process. In particular, there are several things that you should do—and absolutely shouldn’t do—in order to ensure that you don’t jeopardize your mortgage approval. Mortgage Applications: Do’s and Don’ts…

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The Durable Power of Attorney–What Does it Do?

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Estate planning isn’t just for the elderly anymore—it’s always a good idea to be prepared for the worst-case scenario. If you are involved in an accident or become ill, you may not be able to handle your finances or manage your assets on your own. If this is the case, then you will need someone…

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Owner’s Title Insurance: Is it Worth the Expense?

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From lender processing fees and title work to escrowed items and closing costs, buying a home can be more costly than you might expect. As such, you might choose to save money by cutting any optional expenses in the home-buying process. An owner’s title insurance policy, however, is an option which should be carefully considered…

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Recovering Compensation Following a Slip-and-Fall Accident

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Accidents can happen anywhere for any reason, from a spilled drink in the grocery store to a concealed step in a shopping center. In most cases, we can quickly brush ourselves off after a fall and forget about the incident. Sometimes, however, slip-and-fall injuries can produce severe injuries such as concussions, strains and sprains, and…

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