Rate Update Home Sales Continue to Rise

M A Y 2 0 1 5 -­‐ N E W S L E T T E R
Whether you are looking to purchase or sell, I offer the highest level of service
in real estate expertise and professionalism. Don't hesitate to contact me and
allow me to guide you through the process.
SHAWN TYSON | REALTOR
styson@cdanjoyner.com | (864) 384-­‐4844
www.sawmillridgeproperties.com
Curious of your homes curent value or just want to keep up with whats going on in the neighborhood? Contact me for a free no obligation market analysis of your property.
Home Sales Continue to Rise
Rate Update
Ron McCoy
Mort Loan Officer
Just a few notes on TD Bank's Conventional and Jumbo Loan Programs.
Conventional rate, 30 year fixed:
-­‐-­‐-­‐4.025% today, 60 day locks
-­‐-­‐-­‐Loan amounts to $ 417,000.00
-­‐-­‐-­‐To 95 % LTV for Primary's
-­‐-­‐-­‐To 90% LTV for Second/Vacation homes
NMLS# 659242
864 616-­‐1353 Ron.mccoy@td.com
-­‐-­‐-­‐To 85% LTV on Investment properties
Can do Manufactured Homes
NO ACREAGE LIMITATIONS!
Jumbo rate, 30 year fixed:
-­‐-­‐-­‐3.875% today, 60 day locks
-­‐-­‐-­‐80% LTV's and 89.9% CLTV's for Primary's
-­‐-­‐-­‐$ 6,000.000.00 loan amount and higher are available
-­‐-­‐-­‐To 80% LTV for Second homes to $ 1,000,000.00
-­‐-­‐-­‐To 75% LTV on Second homes to $ 1,500,000.00
-­‐-­‐-­‐To 75% Investment to $ 1,000,000.00
NO ACREAGE LIMITATIONS!
Other Key Points:
Approximat
ely $ No Origination fee on any rate lock, on any program
BBQ Restaurants to Check Out
May is National BBQ Month, and to celebrate we’re spotlighting some of the BBQ restaurants in our communities. Celebrate throughout the month by supporting the unique southern food group that is BBQ, and tip your hats to the pit masters who have spent years perfecting their craft (and make some good sauce too).So, give your grill a weekend off and pull up a chair to one of the many delicious BBQ joints.
Schoolhouse BBQ – Scranton, SC
2252 Highway 52
Scranton, SC 29591
(843) 389-­‐2020
Bone-­‐In Artisan Barbecue on Wheels – Columbia, SC
This popular food truck travels around Columbia, SC attending a variety of cultural events and they aren’t just slinging the regular pulled pork sandwiches. They serve theirs with house-­‐made focaccia and gingered apple carrot coleslaw. Try the chicken & waffle club, which combines the best things about chicken and waffles and a club sandwich. Check their website for locations.
Fort Mill BBQ Company – Fort Mill, SC
Fort Mill BBQ Company offers a huge menu of BBQ favorites plus anything else you could imagine putting barbecue sauce on. Get a carry out feast for the family (tailgating season may never be the same) or experience one of the Cruise-­‐In special nights every second Saturday of each month. Vintage cars go great with quality BBQ.
73 Stockbridge Dr
Fort Mill, SC 29708
(803) 548-­‐7400
Lone Star Barbecue & Mercantile – Santee, SC
Not only is Lone Star offering some of the best barbecue in the nation (according to USA Today), but it also comes with an experience that is special in its own right. Live music every Saturday night, a general store and toy store are only the beginning. The restaurant was created from four rural country stores from around the region.
2212 State Park Road
Santee, SC 29142
(803) 854-­‐2000
Cas hampionship BBQ –i n Savannah, Gorld A with back-­‐to-­‐back Wiley’s h
created a legacy the BBQ w
reader choice wins in 2010 and 2011 for “Savannah’s Best BBQ” in Savannah Magazine and Connect Savannah. If you want to try ribs slow cooked by award-­‐winning pit masters, then stop by Wiley’s, located between Downtown Savannah and Tybee Island. Ask about their specially catered oysters roast for your next event.
4700 US Highway 80 East
(912) 201-­‐3259
Home Team BBQ – Charleston, SC
Home Team BBQ’s menu isn’t what you might be expecting from a Charleston BBQ restaurant. The classics are all represented with pulled pork, ribs and collard greens but the taco bar, chili and wraps are all bonuses. If you’re looking for catering, check out their oyster service and cobblers. You are sure to please everyone.
1205 Ashley River Rd
Charleston, SC 29407
(843) 225-­‐7427
Why Use a REALTOR®
Buying a home is often the single largest investment the average consumer makes. Whether you are buying or selling property, a real estate transaction is complicated. Having someone knowledgeable to guide you through the process helps you avoid delays and costly mistakes. The Greater Greenville Association of REALTORS® suggests choosing a REALTOR® to assist you in buying or selling your property. The average consumer doesn’t know the difference between a real estate agent and a REALTOR®. A REALTOR® is a real estate agent that belongs to a Local, State, and the National Association of REALTORS®. Currently there are over 1,650 Greater Greenville Association of REALTORS® members and more than 1.2 million members of the National Association of REALTORS®.
The National Association of REALTORS® requires its members to adhere to a strict Code of Ethics. The practical business principles embodied in the Code of Ethics are duties to clients; cooperation with other brokers; truthfulness in statements and advertising; and respect for exclusive relationships other REALTORS® have with their clients. REALTORS® are offered educational courses, professional development opportunities, and designation courses through membership. They attend meetings and conferences at local, state, and national levels to further enhance their skills and network among peers to exchange ideas. Learn more about REALTOR® Designations and Certifications that acknowledge experience and expertise in various real estate sectors. REALTORS® do more than just list and sell real estate. REALTOR® members of the Greater Greenville Association of REALTORS® feel strongly about community involvement. GGAR works in conjunction with the Greenville County public school system to provide Christmas gifts to needy children through the “Care and Share” program. Since 1996, GGAR has presented scholarships to area high school seniors from the proceeds from the Lobs, Links and Lanes charity event. After much discussion between the Community Service Committee and the general membership, 2012 was the last year these scholarships were presented. The Lobs, Links and Lanes charity event will continue to be held and the proceeds with benefit two local charities: The Frazee Dream Center and ReWiGo Ministries. “Revitalization Awards” are also presented annually to members of the community who have “revitalized” a property by investing a substantial amount of time and money in a property that acted as a catalyst to improve the community.
GGAR members also actively participate in legislative advocacy. GGAR has on staff a full-­‐
time Governmental Affairs Director to keep members informed on local issues and to represent members at local meetings. Members meet with legislators at functions such as Conferences, Legislative Breakfasts, Receptions, and the annual GGAR Oyster Roast to discuss issues that affect REALTORS® as well as consumers.
According to the National Association of REALTORS® the strongest five attributes of REALTORS® are:
1. Best network of sources to help buyers and sellers
2. Best qualified to promote the sale of your home
3. Professional
4. Ensures process conducted with ethics and integrity
5. Getting the job done properly
So when you decide to purchase your home, consider the knowledge and expertise of a REALTOR® and look for the REALTOR® trademark. Only those individuals who hold REALTOR® membership are licensed to use the REALTOR® trademarks. To find out if your real estate agent is a REALTOR®, ask if your agent is a REALTOR® or contact your local real estate association.