Lawyers in Charleston SC on Should You Refinance Your Current Mortgage

Lawyers in Charleston SCNot only do we deal in real estate closings but these lawyers in Charleston SC also advice their clients on when tor refi their mortgage. Mortgage rates are at or they are approaching historic record lows and you could save a ton of money by taking the time to research and then refinance your mortgage. There are currently millions of homeowners out there paying too much on their mortgages because they simply will not take the time to research their current situation. Many believe it is too much work or they will be denied, or they might have to pay a fortune in points or closing costs to get these incredible rates. These are all excuses, and with a little information you could be on your way to saving tens of thousands of dollars over the coarse of the entire loan.

Should I Take the Time to Refinance?
Many people just will not invest the time to refinance their mortgage because they don’t have time or don’t think they can save any money. Perhaps they experienced such difficulties in getting the original mortgage that they simply do not want to go through all that aggravation once again. Or maybe many people just don’t want to face some shady mortgage company or broker. These reasons are likely endless, but many homeowners don’t realize making a change could save them incredible amounts of money long-term.

Record Low Mortgage Rates
With mortgage rates at historic levels, it can be your one chance to really make a significant impact in your finances. If you didn’t pay 20% down on your loan, you are most likely paying PMI insurance each month to protect the loan for the lender. Now if you can refinance, you might have enough equity in restructuring the loan to get you over that 20% mark, and then you can eliminate making that additional payment each month. But a lot of us still don’t take the time, and instead proceed making inflated monthly mortgage payments that could be avoided.

Is Refinancing Right for You
It doesn’t make sense for everyone to refinance. Like anything else on earth, depending on your unique financial situation and future plans, it might or might not be a good fit for you. Although it’s much more difficult to get approved for a refinance, so it’s certainly worth taking the time to see if you qualify and how much money you can save over the length of the loan. You should at least look into refinancing your mortgage, after all, there are few actions in life that can save so much cash so easily for you. For more great advice like this visit: Charleston Attorney Group at

Realtor in Charleston SC on What to Look Out for When Buying a Home

Homes for Sale Charleston SCBuying a new or older home for sale Charleston SC takes planning. There are months filled with stress, excitement, planning, and the big move. During all the craziness that occurs during that time, you could forget some things before signing that new contract that could come back and cost you in the end. Here is what to look out for when buying a home. For more information on Carolina one stop for real estate in Charleston visit:

1. Inspect That Roof
Before you set foot inside, have a professional check the roof of the house. Does the roof look new or is it very old looking? Installing a new roof could mean a lower insurance rates.

2. Look Closely at Each Room
When you’re inside your prospective home, look at the structural stuff. Loose wires, cracks in the foundation or walls, forget about any freshly painted walls or new decor. The aging foundation will still be there long after that paint has begun chipping.

3. Inspect the Heating Cooling System
When you’re considering buying a house, remember that if it looks old, it probably is. The heating and cooling system is expensive to replace, inefficient ones can also result in higher utility bills. Make sure the HVAC system is up to date and in good standing.

4. Check the Plumbing
While you are poking around the kitchen, get under the sink and examine the pipes. Check for any leaks, serious water damage, and any mold. Not only is black mold unsightly, it can cause health issues. If you live with a brand new baby or an elderly person, you will want to be careful.

5. Check the Land
Never look at just the building, carefully examine the land around it. Is the house prone to flooding? Is the driveway going to be shared with a neighbor? Have fences been built and then positioned properly? When you buy a house, you simply can’t ignore the property.

6. Get a Home Inspection
New or old home, you must protect your investment by getting a professional home inspection. You can not possibly see or understand all the potential things that could go wrong. There is only so much you can visually find wrong. You will need to hire a professional inspector to check the foundation, check the wiring, the plumbing, the roof, and more. A professional home inspector can check for lead paint and also for wood-eating pests. These termites can be hiding behind the walls for years without being noticed, eating away at the wood structure of your home until 5 years from now it is too late and your home falls apart.


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