You need a 20% down payment
20% is ideal, if you want to avoid private mortgage insurance (PMI) but lenders will offer home loans with down payments as low as 0% to 5%.
You need a high credit score
to buy a house
All lenders are the same
You do not need perfect credit to buy the perfect home. There are loans available for buyers with lower credit scores.
Rates can vary as much as a percent depending on the lender, so talk to several lenders before committing.
You do not need a home inspection
Spend the money for a thorough inspection, because in the long run it can save you a lot of money and time, even for a new construction home.
You can save money by choosing not to work with a real estate agent
Buyers usually do not pay a realtor’s commission. The agent’s fee is paid at the closing by the seller of the home you are buying.
Your only upfront cost is your down payment
You cannot qualify for a mortgage if you are still paying off your student loans
At closing, you will pay your down payment, but you will also bring closing costs to the table as well. Closing costs can range from 3%-6% of the purchase price.
Some buyers may feel more comfortable paying off their existing debts before venturing into the home buying process. However, it is not a requirement.
The time to buy is now!
I am committed to helping you navigate the home-buying process with ease. Whether you are buying your first home or your retirement home, I have the tools to help you thrive!
Stop paying rent and invest into an asset that will provide a plethora of benefits to you in the long run.
This is your chance to build the home of your dreams. As a new construction specialist, I will find the perfect community that suits yours needs.
As a homeowner, you can deduct both mortgage interest (up to $1 million) and property taxes from your annual income taxes.
Common Home Buying Myths
"Tonya Harris is truly exceptional, earning every last star with her positive demeanor and proactive approach from day one. With her unmatched professioanlism and ability to go above and beyond, she made selling our home and purchasing a new one a breeze. Tonya's expertise in real estate, coupled with her keen eye for home decoration, attracted numerous buyers and multiple offers within days, ensuring a swift and sucessful sale. Her attentive follow-up even after the move-in process demonstrates her commitment to ensuring client satisfaction. Without a doubt, Tonya Harris is the best realtor out there, and I wholeheartedly recommend her for an outstanding experience---don't wait, call her now!"
The Normans
First Time Homebuyer
SC PROGRAMS
There are several first time homebuyer programs that offer benefits to individuals purchasing their first home. The SC Housing Homebuyer Program offers first-time homebuyers who qualify, down payment assistance and low fixed interest rates.
The Palmetto Heroes Program is for first-responders, teachers, corrections officers, active-duty military, veterans, SC Army and Air National Guard and licensed medical professionals. The heroes that qualify may receive a reduced fix rate and funds for down payment assistance while funds last.
Preferred Lenders
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TUMEKA ALEXANDER
864.312.4113
JOHN A. ATKINS
864.979.7441