Mortgage Lender in Greenville SC
February 16, 2015
Buying a home? Things you should know.
Buying a home can be both exciting and confusing. There are many decisions to be made in finding the right home for you. Each must be carefully considered to ensure you will be happy with your purchase for years to come. The whole process can seem overwhelming at times. Relax – we’re here to help. We can help you with your home mortgage greenville sc
To begin the home buying process, get pre-approved for a mortgage loan.
During the pre-approval process, your income, job history, credit history, current debt obligations and assets will be evaluated to determine if you qualify for a mortgage loan. You will learn how much you can borrow and what the monthly payment would be. You don’t have to borrow the maximum amount for which you qualify for, but it certainly helps to know what this limit is before you start looking for a home.
From this point on, keep all future pay stubs, bank account statements, investment and retirement account statements in an envelope or folder for when the time comes to make a formal loan application.
There is never an application fee at First Nations and we never charge an upfront credit report fee.
Once you have been pre-approved, find a licensed real estate professional to work with.
We strongly suggest to our clients that they use the services of an experienced real estate professional under a Buyer’s Agency Agreement. This contract insures that they work for you and not the seller. Without this agreement, licensed real estate agents must work on the seller’s behalf as a “sub-agent” of the seller’s listing agency. If the house you find is listed through a real estate company, the seller, in most cases, is obligated to pay your Buyer’s Agent’s fees for you!
What if you want to look at a house listed “For Sale By Owner”? Simply call your agent and tell her where the house is and most often, she can call the seller and get them to agree to pay her fee.
Now comes the fun part –finding the home that’s right for you!
First you want to talk with your agent and discuss what you’re looking for. In addition to the number of bedrooms and baths, this can include location, school districts and neighborhood amenities. Making a “wish list” before beginning the process will help. We are mortgage lender greenville sc
Once you find the home that’s right for you, your buyer’s agent will provide assistance in negotiating the most favorable price and terms for you. They can provide information regarding recent selling prices for comparable homes in the neighborhood so you won’t overpay. This is very important.
Lenders base the loan amount on either the selling price stated in the sales contract or the appraised value of the property – whichever is less. If the property does not appraise for the contract price, you can still get a loan but you will have to increase your down payment to include the difference between the contract price and the appraised value.
While you are entitled to a refund of your earnest money deposit if the house does not appraise for the selling price, you will lose the cost of the appraisal and any inspection fees you may have to make up to that time.
You found your dream home and are ready to make an offer.
It is important to remember to call us before you make the offer. We can assist you in determining how to best structure your offer to minimize your cash out of pocket expenses. You may want to submit your offer having the seller pay part of your closing costs. We will also determine if there are any special financing options available for the home and what documents may have to executed at the same time you sign the purchase contract, such as the FHA addendum to the contract. First Nations can help you with a home loan greenville sc
At this time we can provide a pre-approval letter for your agent to give to the seller’s representative with your offer. When your agent includes this letter with your offer, the offer has much more credibility over a possibly higher competing offer from another buyer who is not yet pre-approved.
Hurray!! Your offer has been accepted. Now what?
Call us immediately to schedule an appointment for a loan application and send a copy of the purchase contract to us. The purchase contract will state how many days you have after the date of the contract to make a formal mortgage loan application. Please do so within this time. If this is not done, the seller can claim breach of contract and you will forfeit your earnest money deposit. While this is very rare, it can happen, particularly if the seller receives a higher offer.
We will review your file and let you know what we need to prepare the loan application documents. You will have provided most of the documentation required for your application during the pre-approval process. Depending on how long ago this was, we will determine if more up-to-date documents are necessary. If so, please get these to us quickly.
We will then meet at our scheduled appointment, either at our office, at your office, or at your current residence to sign the loan documents.
Personal Injury Attorney Serving Greenville SC
August 25, 2014
Personal Injury Attorney in Greenville SC
If you have been injured due to any type of negligence by another party, you should contact an accident lawyer as soon as possible. In any situation where liability is concerned, time is of the essence, and obtaining the services of a personal injury attorney in Greenville SC will help to ensure that valuable evidence is collected and preserved. Unfortunately, not every person who causes an accident or injury will be willing to claim responsibility for it, so gathering details and evidence quickly is absolutely necessary to ensure that those who are accountable will not be able to avoid taking responsibility for their actions.
The stress that can come from a personal injury is difficult enough to handle by itself, but when you begin to add the burdens of communicating with the responsible party and navigating the “red tape” of insurance companies, it can become completely overwhelming. You need an experienced, competent and professional personal injury lawyer in Greenville, SC to help you understand and deal with the complexities that are inherent in the legal system, so that you can be sure to receive the compensation that you rightfully deserve.
Venus Poe is a Greenville, SC personal injury attorney with more than a decade worth of experience in representing individuals who have faced hardships and financial difficulties due to an injury that was no fault of their own. Ms. Poe has received numerous accolades and prestigious awards for her thorough, meticulous and yet compassionate approach. She personally meets with each new client whom she represents in order to gain a solid understanding of their case, as well as to walk them through the entire process. Ms. Poe also makes it a point to personally check up on each client throughout each stage of their recovery.
An automobile accident injury can cause a significant amount of physical, emotional and financial stress. Ms. Poe will provide you with a free consultation in order to determine if you need to pursue legal action. With a law practice that is founded upon the principles of honesty and integrity, Ms. Poe will not take a case that does not genuinely require legal intervention. Even a minor accident can be the cause of major financial, legal and physical complications, including medical bills, physical therapy, vehicle damage, pain and suffering, seemingly endless paperwork, and more. Allow Venus Poe to guide you through the process of getting your life back while treating your case with the utmost respect and confidentiality. With a solid decade of experience under her belt, Ms. Poe is well-acquainted with the complicated legal jargon and loopholes utilized by insurance companies to avoid providing just compensation to injury victims. She will make sure to handle the headaches of keeping up with medical bills and talking to insurance adjusters, so that you can focus on getting better.
Venus Poe also provides comprehensive legal services for clients who have experienced workplace injuries. Work-related injuries can range from relatively minor strains or sprains to debilitating or life-threatening health conditions. Having come from a family of blue collar workers, Ms. Poe is all too familiar with the risks of physical injury that are inherent in many occupations. If you are injured on the job, make sure that you report the injury to your supervisor immediately, and then initiate the process of seeking medical treatment. After these steps have been taken care of, you should then consult with a workers’ compensation attorney. Venue Poe will help you navigate your way through the many intricacies of the workers’ compensation system so that you can receive the financial support you need.
For the past two years in a row, Venus Poe has earned the Martindale-Hubbell AV Preeminent Peer Review Rating, the absolute highest rating for lawyers in terms of adherence to legal and ethical standards. This benchmark rating is only awarded to lawyers who have demonstrated outstanding ethical standards and excellent legal acumen, and is the highest rating that an attorney can receive. This exclusive honor has only been awarded to just 4% of the attorneys in the United States. When you decide to allow Venus Poe to handle your case, you can rest assured that you will receive unparalleled service and unwavering commitment to get you all of the compensation that you deserve.
Internet Marketing Company Open for Business
September 20, 2013
Internet Marketing Company
Grow Your Business With Online Marketing
Bigfoot Media is a web design company in Greenville SC that offers an impressive suite of website marketing solutions to help your business reach its’ full potential.
How? By leveraging the latest web marketing technologies and consumer behavior trends to help you find and capture your targeted audience.
Bigfoot Media begins with an initial consultation to get an understanding for your business, market, and target audience before ever recommending any services or options. They take a listen and learn approach before any strategy is created so that the full scope of your business is considered.
Internet Marketing Greenville SC
Here comes the fun part. Bigfoot Media gathers all information, and begins the preliminary research based off of your initial meeting to start putting together a game-winning strategy. This strategy will then incorporate a number of internet marketing tools and techniques to help you reach your campaign goals.
Here are a couple of internet marketing services that Blue Bigfoot Media offers:
Web Design Company
Get Online with a Professional Website
The very foundation of your online presence undoubtedly begins with a website. This is your home base and the central focal point where your targeted traffic is to be driven. Make it count!
Luckily, Bigfoot Media is an incredible web design company with a team of graphic designers and developers that can help you perfect your website design. They are based out of Greenville, SC, but serve clients across the nation.
Web Design Greenville SC
Their team builds websites out of the same content management systems (CMS) that widely known Fortune 500 companies like Ebay, Ford, and Sony also use.
Why does this matter? Well, have you ever wanted to change something simple like a picture on your own website? Remember how hard it was to get your “computer guy” to make the changes in a timely manner leaving you wishing you could do it yourself? Now you can!
CMS systems are so easy to use that you can make website changes in a matter of minutes. This is why Blue builds websites around the CMS such as Drupal, Joomla, & WordPress. Give ‘em a call and they’ll show you how easy it really is.
Get Found with Professional Search Engine Optimization
What is an internet marketing company without SEO? Nothing. Search engine optimization is that crucial skill-set that website marketing companies need to master in order to effectively help their clients.
It’s no surprise that everyone is turning to Google, Yahoo, or Bing to find information. Your business needs to be there also. That’s why Blue Bigfoot Media is a professional seo company that helps businesses everywhere reach their target audience using search engine marketing.
SEO Greenville SC
Your business will either get found or get lost in the search engine results. You cannot afford to pass up on this business. Call a online marketing firm that can help you get found.
Serving clients across the great nation of USA. Locally serving Greenville, Spartanburg, Anderson, Clemson, Seneca, Easley, Powdersville, Pickens, and the surrounding areas.
There you have it. Bigfoot Media is the internet marketing company that you’ve been looking for. From website design to SEO, Bigfoot can do it all for your business.
Give them a call today or visit their website for more info.
21 Simmons Ave
Greenville, SC 29607
Awnings in Greenville SC – R&R Canvas Awnings
August 23, 2013
If one is looking for awnings in Greenville, then an educated search should lead them to nowhere else than R&R Canvas Awnings. The people of R&R Canvas awnings possess over 15 years of experience providing awnings and canopies to Upstate South Carolina. R&R Canvas Awnings has been in the business for over 15 years, delivering customized awnings and canopies to businesses throughout South Carolina, Georgina, North Carolina and Tennessee. Based out of Greenville, SC, R&R is centrally located to help customers all over the Southeast.
R&R specializes in creating all sorts of custom awnings, commercial awnings, back-lit awnings, canopies, metal awnings, vinyl awnings, canvas awnings, retractable awnings, residential awnings, and much more. R&R’s legitimacy can be spoken for by several high-profile clients, such as State Farm, EconoLodge, and CVS Pharmacy. Stop looking for awnings in Greenville SC, and give R&R Canvas Awnings a call.
Commercial Awnings are a great and affordable way to give one’s business a professional edge, UV protection, and defense against the elements. R&R Canvas Awning’s professional designers and installers ensure that the commercial awnings purchased from them always help your business look its best.
R&R Commercial Awnings creates special custom awnings for any type of project, budget, and time constraints. R&R provides a healthy number of different custom awnings, and the styles are as follows:
- Backlit + Pop-Up
- Patio Canopy
- Entrance Canopy
- Straight Slope
- Pyramid Cabana
- Straight with Hip Ends
- Rounded Edge
- Elongated Dome
- Sign Box
R&R specializes in crafting the perfect custom awning for the home. Whether it be vinyl or canvas, it isn’t beyond the company’s scope. One can begin enjoying their own patio, porch, or backyard to the fullest with an awning or canopy from R&R.
Residential awnings can actually save the homeowner energy by providing shade, which can reduce the temperature by up to 15 degrees. With just a little bit of cover, one can save on energy costs in a way that they never even believed possible.
R&R Canvas Awnings can create a customized design to fit the needs for any special event that the guest has in mind.
Retractable awnings can work wonders in extending one’s living space just by giving the home a simple, special touch. While providing UV protection, energy savings, and good cover for all of the outdoor festivities, retractable awnings are an excellent way to help you enjoy the outdoors again.
R&R provides a storefront awning installation service in order to show off one’s business and brand while also providing a considerable amount of cover and UV protection from the damaging elements. In addition to protection from the elements, a storefront awning saves the owner money by keeping the storefront cool. R&R Canvas Awnings can print custom awnings that can vary from virtually any size, shape, or design that the client so desires.
Contact and Location
R&R Canvas Awnings
6 Smokehouse Drive, SC 29681