Will I get More Money if I wait?

Sellers want to get the best price for their home and many of them think that by waiting they will see a higher price. However, if they are planning to sell within the next year, today's price may be the highest they will get. Check out today's post below to see why waiting to sell may not make sense.

Sellers in any real estate market are looking to get the best possible price. If you are looking to sell in the next year, today’s price may well be the best price. Home values stabilized somewhat in 2010. Many hoped that was a sign that values had bottomed out and we would see price appreciation in 2011. Studies released this week have painted a different picture.
If we look at CoreLogic’s January Home Price Index (HPI), we see that prices are again beginning to decline:

National home prices, including distressed sales, declined by 5.7 percent in January 2011 compared to January 2010…
Mark Fleming, chief economist with CoreLogic, said, “A number of factors continue to dampen any recovery in the housing market. Negative equity, which limits the mobility of homeowners, weak demand and the overhang of shadow inventory all continue to exert downward pressure on housing prices. We are looking out for renewed demand in the coming months as the spring buying season gets underway to hopefully reduce the downward pressure.”

They are not talking about the spring market increasing or even stabilizing prices. They hope it will “reduce” the pressure to drive prices lower.
Radar Logic’s RPX Composite Price comes to virtually the same conclusion:

Radar Logic believes the RPX Composite price will continue to exhibit year-on-year declines throughout 2011 due to a growing supply of homes for sale and in the inventories of financial institutions, and weakening demand due to the reduction of government incentives for home buyers. Moreover, banks are facing uncertainty over whether they will be forced by regulators to expand mortgage modifications, and may reduce lending and tighten standards as a result.
“No matter what you call it, a ‘double dip’ or the continuation of a long process of deterioration, the current trend in home prices is evidence that housing markets are continuing to languish,” said Quinn Eddins, Director of Research at Radar Logic. “We expect the negative trend to continue under a severe supply overhang that includes a large and growing ‘shadow inventory’ of homes in default or foreclosure.”

Bottom Line

It seems that prices have again begun to fall nationally. With the overhang of existing and shadow inventory, prices will probably continue to decline throughout most of 2011. If you’re thinking of selling, now might be the best time. Check with a local real estate professional to see how this might impact your area.

Roz Bailey
704-913-4754

Mortgage rates have become a wait and see scenario

Mortgage rates have become a wait and see scenario

Mortgage rates have been pretty erratic throughout the month of January. Last week, mortgage rates mostly made up for the subtle decline we saw the week before:

HSH.com’s overall mortgage tracker — our weekly Fixed-Rate Mortgage Indicator (FRMI) — found that the overall average rate for 30-year fixed-rate mortgages increased by a mild six basis points, landing at an average 5.11% during a holiday-shortened week. FHA-backed 30-year FRMs, a considerable and crucial part of the first-time homebuying market, ticked just three basis points upward to 4.75% for the week. Borrowers looking to alternatives to the benchmark 30-year FRM might consider a 5/1 Hybrid ARM, which is available at an attractive 3.82%, up just a lone basis point from the week prior. The gap between long-term fixed rates and the most common hybrid ARM should makes them at least a consideration for homebuyers and refinancers with short time horizons. HSH.com’s FRMI and other public data series includes rates for conforming, jumbo, and most recently the GSE’s “high-limit” conforming products and so cover much of the mortgage-borrowing public.

A lack of clear direction

So far this year, mortgage rates have been locked in a bob-and-weave pattern, an up-and-down, back-and-forth motion. One of the main reasons for this is the economy’s lack of clear direction:

Mortgage rates took back last week’s little decline, as what seems to be a lack of a clear direction for the economy has helped them to find a plateau. Unlike the last quarter of last year, when economic improvement was trending higher, it may just be that we’ve gotten to a “wait and see what develops” kind of state.

Positive sign for 2011?

As we mentioned last week, December’s existing-home sales showed quite an improvement last month, and if the sales trend continues into the winter, we should be better suited to handle the influx of housing inventory that will surely be supplied by continued foreclosures:

As we move away from distortions in the market created by on-again, off-again tax incentives, we should be able to again discern true demand levels for housing. With low interest rates still in place and affordability at very high levels, existing home sales managed to jump to an annualized rate of 5.28 million in December, the highest such figure in more than six months. The kick higher in sales came even as interest rates were firmer than many periods earlier in the year, and also drained some inventory out of the market, drawing it down to 8.1 months of available homes at the present sales pace. More inventory is slated to hit the market in 2011 as foreclosures continue unabated. Still, that there is growing demand for homes as the economy has shown signs of life does portend well for the market in 2011, and increasing employment opportunities during the year may even forestall or even cancel some expected foreclosures.

Should the economy improve enough for that to happen, it would be truly good news.

Roz Bailey
704-913-4754

South Carolina Homeownership and Employment Lending Program (SC HELP)

If you know of someone who can benefit from this federally-funded program, please share with them!

“SC HELP is intended to help responsible borrowers!”

SC HELP Foreclosure Prevention Program Now Available Statewide

Almost $300 million in funds to keep homeowners in their homes.

[Columbia, SC]  Following a successful pilot program and Treasury’s approval of South Carolina’s readiness assessment, SC Housing Corp. will take its foreclosure prevention program statewide. Starting January 20, the South Carolina Homeownership and Employment Lending Program (SC HELP) will use almost $300 million in federal funds to help responsible but struggling homeowners in the state.

Key components for SC HELP include:

• Monthly Payment Assistance-assisting homeowners with monthly payments for a defined period of time while they seek employment and a return to self sustainability.

·         Direct Loan Assistance-for borrowers who have experienced a hardship but have regained the ability to pay. Funds can be used to pay arrearages in order to bring the loan current.

·         Property Disposition Assistance-in cases where the mortgage cannot be salvaged, funds may be provided to incentivize short sales, deeds-in-lieu of foreclosure and to help transition families from homeownership to rental housing.

Homeowners applying for Monthly Payment Assistance or Direct Loan Assistance must meet certain threshold requirements in order to apply for help:

1.    Borrower or co-borrower must be able to document that the delinquency was a result of a hardship event beyond his/her control (i.e. unemployment, death of a spouse, catastrophic medical expenses, etc.)

2.    Mortgage payments must have been made on time for 12 months preceding the hardship event with no more than two 30-day late occurrences

3.    The property securing the mortgage must be owner-occupied as a full-time residence

4.    Borrower must provide a financial hardship affidavit

5.    Mortgage can be no more than 120 days delinquent

6.    Loan servicer/investor must be willing to accept payments and provide required data and reporting

Assistance from SC HELP will be provided in the form of a nonrecourse zero-percent interest, non-amortizing, forgivable loan secured by a subordinate lien on the subject property. The loan will be forgiven over a five-year period at a rate of 20% per year. If property is sold or refinanced prior to the loan termination date, funds will be recovered should sufficient equity be available from the transaction. The Property Disposition Assistance Program will provide a one time, lump sum grant to the recipient.

Roz Bailey

River Hills Palntation in Lake Wylie, South Carolina 29710

River Hills Plantation is a unique Charlotte area country
club community. It was carefully designed and is beautifully
maintainedwith it's natural beauty and serenity.

Nearly 1,100 homes and a championship golf course blend into this park-like

setting of rolling hills, lush tree canopy and lake vistas. Lake Wylie surrounds

much of the community, providing year-round water activities. A private, blue-flag

awarded marina offers executive offices and business services and full-service

boat slips as well as lake access for those residents not on the water. A ten

court tennis complex, swimming pools, a covered pavilion, private parks,

community gardens and play areas provide activities for all ages.

Homes range from affordable, cedar-sided condominiums and free-standing

houses to spectacular lakeside private estates. This wide range of options

promotes a diverse community. An active Country Club, on-site Service

Clubs and strong volunteerism with local charities enhances community

activities and spirit.

River Hills is gated with a private security force continuously patrolling

the streets and entrances. Its own no-cost emergency medical service

contributes to the feeling of security and peace.

Located only 20 minutes from Charlotte, North Carolina (and Gastonia,

NC and Rock Hill, SC) we are close to medical care, education, arts,

sports and fine dining and shopping. Fortunately, York County,

South Carolina has low taxes and the exceptional Clover School District.

Roz Bailey

704-913-4754

RozBailey.com

Roz.Bailey@atcmail.com

Camp Thunderbird in Lake Wylie, South Carolina 29710

Since 1936 Camp Thunderbird has provided thousands of kids an unforgettable experience that includes adventure, fun, and friendship! Camp Thunderbird has nationally recognized water programs, including wakeboarding, water skiing, sailing, kayaking, canoeing, water slides and “the Blob”. They offer 28 land activities including horseback riding, skating, high and low ropes courses, sports, and crafts. Their resident camp provides boys and girls an exciting, safe experience that they will remember for a lifetime.

YMCA Camp Thunderbird operates throughout the year as a summer resident camp, environmental education center, day camp and afterschool site and conference and retreat center. Located on beautiful Lake Wylie, S.C., their 100-acre camp is 20 minutes south of Charlotte, N.C., and is easily accessible from all directions. Their goal is to provide facilities, service and programs that make your visit to Camp Thunderbird an amazing experience leading to lifelong memories.

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Lake Wylie, South Carolina

Lake Wylie, South Carolina is a vibrant and thriving community where geography, people and economic vitality have fashioned a distinctive Southern lifestyle. The leisure and excitement of lakeside living, our comfortable, small town atmosphere and convenient proximity to regional commercial and cultural centers make Lake Wylie the perfect setting to live and do business.

For enterprising individuals, growing families and active retirees, Lake Wylie is indeed the perfect setting for home and business. Nestled on the northwest shore of 12,455-acre Lake Wylie in York County, our community is ideally situated for both work and play. Lake Wylie is 17 miles from Charlotte, one of the nation's fastest rowing commercial and financial centers and site of Charlotte Douglas International Airport; 15 miles from Rock Hill, strongly emerging as an economic hub in piedmont South Carolina; and less than 75 miles from Columbia, the capital of the Palmetto State.

Residents of Lake Wylie also enjoy the advantage of living little more than a three-hour drive from the celebrated Carolina beaches and the beautiful Blue Ridge Mountains. Easy access to all points beyond the engaging surroundings of Lake Wylie, if desired, is provided by SC Highway 49, I-77 and I-85.

Our location, quality of life and the productive involvement of our residents have helped establish a dynamic business environment. Carefully planned infrastructure improvements and close attention to preserving the area's natural beauty assure continued quality growth.   The Lake Wylie community offers a wide range of housing options. Elegant lakeside living, cozy wooded neighborhoods and spacious, convenient condominiums add to the feeling that you are enjoying life in a year-round resort.

The Lake Wylie community has the additional advantage of an excellent educational system. The schools our children attend are among the best in the state, employing highly qualified and dedicated teachers, building outstanding learning facilities and providing students with effective resources and advanced equipment.

Recreation is an integral part of the Lake Wylie lifestyle. With 325 miles of shoreline, the Lake is ideal for boating, fishing, water skiing and sailing. The temperate, yet wonderfully distinct, seasonal changes not only enhance the area's beauty, but also afford year-round enjoyment of such outdoor pastimes as golf, tennis and bicycling. For sports lovers, the NFL Carolina Panthers, the NBA Charlotte Bobcats play their home games in Charlotte and the Charlotte Knights play professional baseball at Knights Stadium a few minutes away in Fort Mill. Roz Bailey 704-913-4754 http://www.rozbailey.com/

Short Sales

Shortening the Short Sale

In today’s complex housing market, real estate agents are handling an increasing volume of short sales. While many agents view short sales as a win-win for both homeowner and buyer, they can cause many complications if not properly understood and executed.

Since there is no provision in the mortgage agreement for a short sale, the primary lien holder—the mortgage servicer—must approve the homeowner’s request for one. Any additional parties with liens against the property, such as a second mortgage holder, must also approve the request before a short sale can commence. While each short sale scenario is unique and includes numerous variables, the primary benefit to the homeowner is simple—it lets them avoid foreclosure on their credit record at a time when a good credit history is critical for financial and personal reasons.

Homeowners rarely enter into this process on their own—instead they rely on real estate agents, attorneys and/or other vendors to communicate directly with the mortgage servicer. Since each servicer has their own guidelines and requirements, they play the lead role in approving or declining the terms of a short sale.

The Role of MIs in Short SalesGenerally, if the property was purchased with less than a 20% downpayment and required private mortgage insurance (MI), once the servicer determines the sale meets its requirements, they must request the mortgage insurer’s approval of the sale as well.

That’s because the MI company is not obligated to pay a claim until a clear property title is acquired via the foreclosure process, and must waive certain coverage requirements each time they approve a short sale to preserve the insured lender’s coverage.

MI companies generally consider short sale requests for two reasons: for loss mitigation purposes and to provide the homeowner with an alternative to a potential foreclosure. With each request, an in-depth review of the following is conducted:
-Purchase amount relative to property value and seller costs, such as real estate commission: To determine if they are reasonable.
-Loan purpose: To determine why the property was originally bought, i.e., as a primary/second home or an investment property.
-Default situation: To determine the reason why a short sale is being requested.
-Homeowner’s financial situation: To assess the homeowner’s employment status, credit report, income and assets, checking account statements and tax returns to make a decision on the short sale.

Homeowner Contribution and PitfallsWhile many short sales occur due to the homeowner’s obvious financial difficulties, some involve “questionable” hardship, where there does not appear to be financial difficulty so severe as to make a financial contribution impossible. Mortgage insurers strive to make their approval terms favorable so a short sale can be finalized, but it’s important that homeowners with questionable hardship—determined by the in-depth review of the homeowner’s personal and financial situation—realize they may be required to participate financially in the workout. This is typically accomplished via a cash contribution, or execution of an unsecured promissory note to repay a reasonable portion of the loss.

Making Short Sales WorkDespite obstacles that can arise, one of the keys to short sale success is the turnaround time it takes to process each short sale request.

As one of the nation’s largest mortgage insurers, Radian is leading the way in expediting this type of workout. The company estimates it will review more than 11,000 short sale requests in 2010, typically responding to each within two business days with an approval or feedback as to what is needed to obtain an approval.

When it comes to short sales, agents are dealing with homeowners and buyers who, quite simply, cannot afford to wait days—or even months—for an answer. As a behind-the-scenes ally, Radian has the experienced resources in place to move quickly, providing immediate feedback to servicers so they can consider and issue their final approval in the fastest time possible. This ensures a win-win for homeowners, buyers, servicers and agents alike.

More information may be found at www.radian.biz.

FHA LOANS

News You Can Use

Did you know that FHA loans allow for nonoccupant coborrowers?   Lenders refer to this type loan as a ‘kiddie condo’ because it’s often used by parents and their children.  Keep in mind the property can be any eligible FHA property (e.g.  condo, townhome, single family residence). 

Let’s face it – college is often worthy but expensive.   Using UNCC as an example, undergraduate tuition for two semesters will add up to just over $5000 per year.  Factor in an $800/month rent for nine months and you’re easily at over $12,000 in annual expenditures.   And we haven’t even got into the funding for books and midnight pizza orders.

What if instead of paying rent for their child’s housing the parents use this time as an investment opportunity?  How this scenario works is the child/student is the primary borrower (since they will occupy the property) and the parents are nonoccupant coborrowers.  All borrowers’ credit must meet underwriting guidelines and the parents’ income typically carries the loan.

There are several benefits to this strategy:
1. A low down payment  - currently as low as 3.5% of the sales price
2. A lower, owner-occupied interest rate on the mortgage vs the higher interest rates associated with investment properties
3. Helps the child establish a strong credit history
4. Extra bedrooms can be rented out to help cover the mortgage payment.
5. Tax deductions such as mortgage interest and real estate taxes may be shared among the owners (Consult with a tax advisor for details) 

So instead of spending the average UNCC area rent of $800-$1200, the same monthly amount can be put towards ownership of a property in the $115,000 to $175,000 range.  What a smart way for a college student or recent graduate to invest in real estate with the help of a family member.

Roz Bailey

Allen Tate Realtors

Lake Wylie, SC 29710

Cell-704-913-4754

http://www.rozbailey.com/

Oswald Acted Alone and We Did Land on the Moon

Oswald Acted Alone and We Did Land on the Moon

We believe that things are usually as they seem. We are not the type of organization that believes in conspiracies. However, there is something interesting in some of the housing price studies we are seeing in our research. It seems that some of the groups making the predictions are the same ones that have the greatest power to affect the prices they are projecting.
Most housing analysts warn that the heaviest downward pressure on prices will be created by distressed properties and the speed at which they will be released to the market. Research shows that ‘short sales’ sell at a 20% discount and foreclosures sell at a whopping 40% discount. Obviously, when and how much discounted real estate enters the market will have a major impact on prices of surrounding properties.

Back to our research

We are now seeing that a certain segment of those projecting future pricing have two things in common:

1. They believe prices will fall rather dramatically in the first half of 2011
2. They have control of the flow of discounted properties to the market

Predictions for the first half of 2011 by firms that fall in the above category:

• Bank of America projects that prices will fall 3.7%
• Fannie Mae predicts that median prices will drop $12,500
• Wells Fargo reported that they feel home prices will drop 8%

Not a coincidence

We are beginning to realize this is not a coincidence. The organizations which should best know when the surge of foreclosures will be released are saying house prices will be hit the hardest in the first half of the year. We are not asserting that there is anything devious in what we have found. We are just reporting that those who have control over the flow of distressed properties must think/know that inventory is about to be released. Why else would so many of them be predicting a sharp decline in home values in the next 120 days?

Bottom Line

If you currently have your house on the market and are hoping that you will see a better price after the snow melts or the temperature warms up (aka Spring), BE CAREFUL! Those in the know are warning you the best price might be attained TODAY!

Roz Bailey
704-913-4754

New Year's Resolution by Roz Bailey Realtor

If one of your goals for 2011 is to sell your home, then you will need to make a few resolutions to get that goal accomplished. Whether this is your first time putting your home on the market or you’re relisting it to attract new buyers, here are 4 pledges you should make:

Resolution #1: I will get real about the facts.

To sell your home in 2011, you need to know the truth about the real estate market and where your home stands. You will need to get the real scoop on pricing your home to sell, as you don’t want it to sit on the market because it is overpriced.  In addition, make sure this move makes sense for you. Determine what your goals are with selling this home, why do you want to or need to sell and how important it is to you. Establish expectations up front so you know what you are aiming to meet.

Resolution #2: I will assess the competition.

There are two main factors that home buyers are on the look-out for when searching for a home, price and condition. In order to sell, your home needs to beat the competition in one or both of these areas; therefore, you need to research the competition. Visit nearby open houses and examine the condition of the home, get a sense of buyer traffic and compare your property.

Resolution #3: I will get down and dirty.

When you were a kid do you remember getting the cherished Christmas gift you begged for only so see the dreaded words ‘assembling required’? It’s kind of a letdown to know you have it, but it requires some work to make it perfect. Home buyers feel the same way if you give them a ‘to-do’ list prior to move-in. So make a list of the little repairs you’ve been meaning to do and get them done! Repair or replace loose knobs, uneven cabinet doors, chipped tile and frayed carpet fixed prior to putting your home on the market.


Resolution #4: I will strategize accordingly.

Now that the basics are covered, you can formulate a plan of attack. You and your agent will cover the list price, list date, open house dates as well as pre-work (see resolution #3) needing to be done. You both can decide a strategy if your home should sit on the market for X number of days or what type of concessions you’ll begin to make (i.e. closing costs, personal property, etc.). I would also recommend getting a gist of your agent’s marketing plan and how you can help spread the word.

Roz Bailey

Allen Tate Realtors

Lake Wylie, SC 29710

Cell-704-913-4754

Office- 803-222-8547

http://www.rozbailey.com/

Clover School District Information- Clover South Carolina 29710

Clover School District

Motto:
Each Child, Each Day... Excellence

Mission Statement:
Clover Schools will prepare every child for a successful, productive and responsible future.

Student Population:
6,500

Schools:

Bethany Elementary		Griggs Road Elementary
Bethel Elementary		Kinard Elementary
Crowders Creek Elementary		Larne Elementary
Clover Middle School		Oakridge Middle School
Clover High School		Blue Eagle Academy

Geography:

The district is located in a primarily rural setting in the piedmont region of South Carolina and is home to approximately 24,250 residents. The district is bordered by Cherokee County, SC to the west; York and Rock Hill to the south; and Cleveland County and Gaston County, NC to the north.

Number of full-time employees: 962

Largest School: CHS (1906)

Smallest School: Bethany Elementary (304)

Clover High School 2010 Varsity Soccer Team named Academic All-American

Clover High School 2010 Varsity Soccer Team in Clover, South Carolina named Academic All-American

The Clover High School 2010 Boys Varsity Soccer Team has been awarded the NSCAA Team Academic All-American Award for the second consecutive year. The award is given to teams who have a GPA of at least 3.25 on a 4 point scale. CHS finished the year with a GPA of 3.9. The 3.9 GPA gives the men’s soccer program the 13th highest GPA among all men’s soccer programs in the country and a final ranking of 53rd among the 22,276 soccer programs (men’s and women’s) in the United States. The following students were members of the varsity squad:

Lake Wylie Real Estate Agent Roz Bailey's 3 Questions You Must Answer Before Buying a Home

If you are thinking about purchasing a home right now, you are surely getting a lot of advice. And most of that advice is probably negative. Why buy now with prices still falling? Don’t you realize real estate is no longer a good investment? Don’t you know that people who bought five years ago lost their shirt? We understand the concern your friends and family have. However, let’s look at whether or not now is actually the perfect time to buy a home.

There are three questions you should ask before purchasing in today’s market:

1. Why should I buy if house prices are still depreciating?

We believe that in most parts of the country prices will in fact soften in 2011. Price is the major concern for anyone selling a home. When you are buying, COST should be your primary concern however. Your monthly payment (cost) is definitely impacted by the price of the home you purchase. The other major component is the interest rate. Waiting for prices to bottom out while rates are increasing can wind up costing you more over the life of the mortgage (see chart here).

Over the last seven weeks, rates have increased over 1/2 a point going from 4.17 to 4.86. Looking at the attached chart shows this increase. Waiting for prices to bottom out seems to make perfect sense. Yet, at a time when rates are increasing, it might NOT make sense. Make sure you have a mortgage professional help you with this math before making a decision.
In an article last week CNN Money reported:

“You can kiss those record lows goodbye,” said Greg McBride, chief economist for Bankrate.com.
Keith Gumbinger of HSH Associates, a provider of mortgage information said that the market reached a new plateau.
“I don’t think we’re going back to a 50-year low anytime soon without an economic collapse,” he said. “Rates will probably never revisit those levels.”

2. When will I begin to see appreciation if I buy now?

This is a great question. Macro Markets, LLC is a company that studies housing prices. They started their Home Price Expectation Survey in 2010.  They ask 100+ housing industry experts to project housing prices through 2015. The most current survey shows that the experts are predicting prices to soften until 2012. The experts then project prices to rise reaching a cumulative appreciation of over 10% by 2015.
Purchasing a home today makes great sense from a financial standpoint. Think of the old axiom: You want to buy low and sell high. We may be at the low point regarding the COST of a home. But, this decision should not only be a financial one.
That leads us to our third and final question:

3. Why am I buying a home in the first place?

This truly is the most important question to answer. Forget the finances for a minute. Why did you even begin to consider purchasing a home? For most, the reason has nothing to do with finances. The Fannie Mae National Housing Survey shows that the four major reasons people buy a home have nothing to do with money:

• A good place to raise children and for them to get a good education
• A place where you and your family feel safe
• More space for you and your family
• Control of the space

What non-financial benefits will you and your family derive from owning a home? The answer to that question should be the reason whether you decide to purchase or not.

Bottom Line

The COST of a home will probably remain relatively unchanged even if prices continue to depreciate. Don’t allow money to get in the way of you making the right decision for you and your family. In the long run, the finances will work in your favor anyway.

Roz Bailey

Allen Tate Realtors

Lake Wylie, SC 29710

Cell-704-913-4754

Office- 803-222-8547

http://www.rozbailey.com/

Wife Swap - Roz Bailey Realtor aired 10/17/2005: Bailey/Downs Season 2, Episode 6

Episode Detail: Bailey/Downs - Wife Swap

A career-obsessed South Carolina mother of two switches with a Texas mom who's devoted to her seven home-schooled children. Roz Bailey sends the Texas kids to a classroom and allows the sheltered daughters to date. Meanwhile, Paula Downs goes to work in S.C. and teaches the Bailey children at home.

My thoughts......Yes, it was definetly an experience I will never forget. All in all, I think it helped me grow as a person and a mother. I am still a realtor but have enlisted the help I so desperately needed. I now have time for my family and my clients.

Lake Wylie -Roz Bailey Realtor Resources

Happy New Year!

Best wishes for a wonderful 2011.  If I can assist you with any of your home ownership needs, please call me.  I am a resource for far more than home sales and home purchases!

A brief summary of how I can continue to help you:

·         Market Reports – a summary of the real estate activity in your neighborhood provided monthly via e-mail with details and photos of all active and recently sold homes

·         Revaluation – when you get your tax evaluation, I can assist you by confirming the assessed value is in line with your true value and provide documentation in the event you need to appeal

·         Insurance – my insurance partner can provide you with quotes from some of the nation’s best independent carriers saving you hundreds of dollars for home, auto, umbrella policies and more

·         Remodeling – don’t even think about making modifications without calling me first!  I will coach you to ensure you maximize your investment and make changes that will improve your real estate asset in the event you decide to sell one day

·         Repairs – I have several partners as vendors that can provide quality repairs at reasonable prices by qualified people. 

·         Refinance – if you know anybody with a mortgage rate over 5% in today’s world, they need to refinance.  My mortgage partner will provide quotes from multiple lenders and get the best rate and the best terms.  Our $250 “Best Rate Guarantee” will pay the borrower $250 if we can’t beat another offer

Roz Bailey

Allen Tate Realtors

Lake Wylie, SC 29710

Cell-704-913-4754

Office- 803-222-8547

allentate.com/RozBailey

www.RozBailey.com

Homes for Sale in Lake Wylie South Carolina

SEARCHING FOR HOMES IS EASY @ RozBailey.com