Fort Mill Tega Cay Lake Wylie Real Estate

Rock Hill Real Estate

$219,900

Located on a quiet wooded street this home is ready to welcome new owners. Featuring a nicely appointed master suite plus three additional bedrooms, both formals, a large family room with a gas log fireplace open to the large kitchen and breakfast area. Kitchen features a center island, Corian counters and upgraded fixtures. Don’t miss the sun room surrounded by picture windows. Huge back yard and a full sprinkler system.

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Tega Cay Real Estate

$248,500

Beautiful home, serene setting. Nestled among mature trees and on a cul-de-sac street! Gorgeous Brazilian Teak Floors, custom tile work, designer lighting, master on main, vaulted ceilings, corner lot, sprinkler system, fencing. Huge unfinshed space perfect for additional living space or storage. Affordable Tega Cay Living!

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Tega Cay Real Estate

Beautiful Interior, Quiet Living!
$ 324,900
Must see to appreciate! Wonderful floor plan with open kitchen and soaring great room ceilings! Wrought iron stair case, hardwood flooring, granite and so much more! Five bedrooms or four with bonus, study/guest suite with full bath on main, beautiful Master Retreat on second level with a spa like Master Bath. Enjoy a private wooded view from the back deck and the convenience of a large front yard and cul-de-sac location for plenty of room to play!

7577 Thorn Creek
Tega Cay, SC 29708

Lake Shore Subdivision

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In today’s difficult housing market it takes a special Realtor® to make things happen. If you look at Carmen Miller’s first half of 2008 home sales, she obviously has the special touch to sell homes even in today’s fluctuating economy. Carmen Miller is very successful helping buyers find the perfect home and sellers selling their home in the Fort Mill, Tega Cay, Rock Hill, Lake Wylie South Carolina markets.

Carmen Miller is ranked in the top 100 producing Century 21 real estate agents for the South Carolina and North Georgia region! Her top 100 ranking reflects transactions since January 2008 through June 2008. I am very proud of Carmen and so are her home buyers and sellers. Click to see some of Carmen’s testimonials from satisfied clients.

What’s Carmen’s secret? No secret just hard work, total dedication to find or sell a home for her clients, many years of professional decorating experience to help stage a home, a variety of marketing tools, strong networking skills, and great listening and communication skills. In addition she is backed by a strong local Century 21 office in Fort Mill SC which is Century 21 First Choice who has many top ranking Realtors®. Read the rest of this entry →

Tega Cay Real Estate

$ 415,000

Lovely home ready for new owners. Featuring a family friendly floor plan with room for all! Study, both formals, Great Room and Gourmet Kitchen on main. Kitchen has SS appliances, hardwood floors and granite counters. Large Master Suite on second floor along with four additional bedrooms or three with a large Bonus Room. Upgrades include hardwood floors, designer lighting and fixtures, crown molding, dual stairs, sprinkler, side load garage and more! The yard offers wooded privacy and deck.

294 Shoreline Parkway
Tega Cay, SC 29708

Lake Shore Subdivision

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Mortgage rates are driven by the mortgage-backed securities market or what I refer to as mortgage bonds. This is a free market just like stocks or US treasury bonds, so individual banks aren’t waking up every morning and deciding, “I think we will offer 6% today!” We all get the money from the same places so what the mortgage bond market does effects us all.

This week Fannie Mae and Freddie Mac saw an unprecedented run on their stock. These two companies guarantee the vast majority of mortgage bonds out there, so foreclosures and declining home values hit them extremely hard. Normally this would be time for extreme panic in the market, BUT most experts say that the government will not let Fannie or Freddie fail.

Some comments were made this week by government officials implying that Uncle Sam would help Fannie and Freddie if needed. This is a tremendous help to the mortgage market’s stability because it gives investors more assurance about buying the bonds.

30 Year Rates are averaging 6.00% right now.

My 30 Day Prediction: RATES WILL DECREASE

This is my opinion only and you should not make a decision about locking or floating your interest rate based on this only. You should speak with a licensed loan officer about your particular situation.

100% Programs

GONE. The only way to buy right now without any down payment is with some time of down payment assistance. FHA loans are back in the spotlight!

NEWS FLASH: Fannie Mae and Freddie Mac just cancelled all 97% financing!! That leaves FHA and well… FHA!

STATED INCOME

BIG NEWS!! As of July 1st, Fannie Mae and Freddie Mac (conventional) stated income loans are changing to minimum 30% Down and a minimum credit score of 730! OUCH! NO DOC loans are no longer available in N.C.

INVESTMENT Programs

PMI companies are no longer offering mortgage insurance for cash-out refinances on non-owner occupied properties. If you own investment property and are looking to get some cash, you are now stuck with 80% loan to value.

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