Tips for Buyers - Helping to improve credit scoreCredit scores, along with your overall income and debt, are a big factor in determining if you'll qualify for a loan and what loan terms you'll be able to qualify for.
1. Check for and correct errors in your credit report.
2. Pay down credit card bills, transferring credit card debt from one card to another could lower your score.3. Don't charge your credit cards to the maximum limit, try to use 20% or less of your credit limit.
4. Wait 12 months after credit difficulties to apply for a mortgage. You're penalized less for problems after a year.
5. Don't order items for your new home you'll buy on credit such as appliances until after the loan is approved.
6. Don't open new credit card accounts before applying for a mortgage.
7. Too many credit applications can lower your score, but multiple inquiries from the same type of lender are counted as one inquiry if submitted over a short period of time. Shop for rates all at once
8. Avoid finance companies. Even if you pay the loan on time, the interest is high and it will probably be considered a sign of poor credit management.
Monday is the start of Masters week. This is truly one of my favorite times of the year. Schools are closed, there are so many new faces in town and of course there's some golf being played. If you're planning of being in town this week be aware that the weather might turn a little cooler mid week but will return to the 70s by the first round. Hope to see you around.
Interest rates are below 5%. There is a $8000 tax credit for first time home buyers. Sellers are more willing to negotiate on price. Although foot traffic seems to be increasing, I still see some many buyers that are "on the fence." The time to act is now. I see all the signs of a recovering market, the deals are now.
Time to get out and make an offer!
Yesterday the South Carolina State House of Representatives voted on a bill which is the first step toward reversing the POS (Point of Sale Assessment). This is a major victory and I would like to thank all the Realtors in South Carolina for contacting their Representative.
The fight isn't over, the bill still needs to pass the senate. Be on the look out and be sure to contact your Senator when the time comes.
First reading of an ordinance regarding use in limited business zone (LM). This ordinance will further restrict what businesses can be put in the LM zoning. The council will have the authority to grant permission on an individual basis rather than having a set, written rule regarding what businesses are allowed. This passed and will go to a second reading.
Please let you're city council member that you do not support this ordinance. There needs to be set rules that govern all, not some. This will lead to nothing but more red tape and the use of the "good ol' boy" system.
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As anyone walking the sidewalks of downtown, O'Dell Weeks track or anywhere else in town will tell you, Aiken is the most beautiful place to live, play & thrive. For area information please call K.T.
I'm an easy going p
erson with the passions to allow you to look at the property you're looking for, not just the properties I'm selling. I'm currently the Director of the Aiken county MLS and sit on the legisislative committee. To find out more, visit my website at www.RealEstateHunter.org If you wish to contact me, my contact info can be seen on my website or you can email me at KT@RealEstateHunter.org
I resently finish my Broker Exam courses, earned an ePro designation to better help my clients. I am also involved with the Legislative committe on the board of Realtors. I was elected to serve as MLS Director which I am currently serving as this year. I have several non-profesional clubs, hobbies and activities which I am also very involved in.
About McKinney Realty
McKinney Realty is a locally owned company that has been in the real estate business for over 25 years. McKinney Realty is very in services offer, everything from RELO, Rentals, Management of residential, commercial and home owner associations; appraisals; Sales of commercial, residential and agricultural property.
K.T. specializes in sales of all areas, but may be able to help with any anything, so don't hesitate to contact him. To see more about McKinney Realty, visit our website at www.McKinneyRealtyofAiken.com
The question should be why wouldn't you choose Aiken, South Carolina.
Who said you can't have it all?
Come discover Aiken where smiling faces and beautiful places are abundant.
The quality of life in this historic Southern city is unparalleled. Aiken is one of the
loveliest cities in the south and is recognized for the fine golf courses and love of
horses. Aiken is rich in history and tradition with annual sporting events such as
the Aiken Triple Crown, Aiken Fox Hunt, and Masters is played only a few miles
across the Savannah River and many.
Aiken is a great place to retire and enjoy the mild climate of South Carolina.
At the center of Aiken County is the City of Aiken voted "All American City" in
1997. This charming and quaint city has many historic settings and it's not
unusual to see a horse and carriage trotting along down town. Aiken is home to
the Aiken Polo Club, craft shows, Community Play House, a wonderful Arts
Center, a great campus of the University of South Carolina Aiken and a state of
the art Aiken Regional Medical Center.
Aiken's Hitchcock Woods located in the heart of Down Town Aiken is over 2000
acres of undeveloped land laced with more than 65 miles of scenic, sandy trails
limited to foot and hoof traffic. The city of Aiken isn't the only lover of horses.
Aiken County is home to about forty polo fields, numerous polo clubs, and has
hosted Polo's Gold Cup
From Aiken's broad parkways to its bustling parks and recreation facilities,
from its historic estates to its newly constructed residential neighborhoods, from
its sprawling horse farms to its downtown horse district, Aiken is the result of
over 170 years of homebuilders, store owners, Chamber of Commerce and civic
leaders who took pride in this town. Together, they built one of the most
picturesque communities in the southeast, if not the country.
Stats:
The average annual high temperature is a comfortable 78 degrees in Aiken
Real Estate and Edgefield, while the annual average low is a mere 50 degrees.
Even in the coldest months of the year, the average high is 58 degrees,
Come join me on a tour of Aiken.
To set up a tour of down town and the historic section, call 642-7631.
Aiken, South Carolina A rich heritage and pristine beauty, balanced by exciting activities and a cosmopolitan flair make Aiken the place for all From it's broad parkways to its bustling parks and recreation facilities, from historic estates to newly constructed residential neighborhoods, from sprawling horse farms to the downtown horse district, Aiken is the result of over 170 years of homebuilders, store owners and civic leaders who took pride in their town. Together, they built one of the most picturesque towns in the southeast, if not the country. Truly a great place for every phase of life. Historically, Aiken was a retreat for Charleston residents escaping malaria and the marsh lands of the South Carolina low county. Aiken later became home to a "Winter Colony" as people of great wealth from the North flocked here to escape bitter winters. The town was also a popular health resort with a perfect climate combining warm, dry air, scented with pine and abundant spring water, which resulted in a healing combination. Wealthy horse enthusiasts soon discovered Aiken and brought their animals for pleasure and training. As they fell in love with the area they built extravagant cottages and stables that still survive today. Traditions of the past still influence Aiken today. Polo is played on Sundays afternoon, from April to November, just like it was in 1882. Majestic live oaks and magnolia trees line the streets. The sound of cheering fills the air when the horse races take place in the spring and fall. The green of the golf courses that fill Aiken can be seen throughout the town. People smile and speak as they pass on the downtowns streets, which are filled with unique shops, art galleries, antique stores and a variety of restaurants. Originally a winter colony of international sporting enthusiasts, Aiken is now one of the country's most important equestrian centers with facilities for trail riding, fox hunter, hunter-jumper events, race tracks, steeplechasing, polo, race horses and many other disciplines. The largest urban forest in the country is at the heart of Aiken. Hitchcock Woods is 2000 acres with more than 65 miles of pine scented, sandy trails that are limited to foot, paw and hoof traffic. One of the first places where polo is played in the U.S., with over 125 years of play in Aiken. Aiken is home to approximately 40 polo fields, many active polo clubs and has hosted the International Federation of Polo's Gold Cup. Aiken isn't just about the horses. Aiken features world class golf, tennis, soccer, excellent shopping and dining, a variety of cultural activities, a regional medical center and the nationally ranked University of South Carolina at Aiken. Year round play makes Aiken a golfers haven. There are several private, semi-private and semi public golf course in Aiken. Located 20 minutes from Bobby Jones' majestically Augusta National home of the Master makes Aiken the hot spot of for the world of golf every April. Located on the Savannah River, Aiken is an ideal place for those interested in water sports. World class boat races are held on the Savannah every years. Langley Pond is the host to crew training for local colleges, clubs and during the Atlanta Olympics, some Olympic teams practice on the pond. The Edisto River (the largest black water river in the southeast), the Savannah River, many other steams, ponds and lakes are ideal for fresh water fishing. For those who wish, some great fishing salt water fishing is two hours away on the coast. Hopeland Gardens is a park at the center of Aiken. Bequeathed to the city of Aiken, this fourteen acre estate was opened in 1969 as a public garden. Radiating throughout the gardens is a network of paths shaded under 100 year old live oaks, deodor cedars and magnolias. The lazy curves of the paths and garden borders lead visitors throughout a wonderful variety of experiences sure to please visitors of all ages. ON Monday night's, from May through August, Hopelands hosts a series of outdoor concerts. Admission is free but bring a lawn chair or picnic blanket to sit on. Provided by: K.T. Ruthven (803)617-9356 email: KT@RealEstateHunter.org www.RealEstateHunter.org McKinney Realty 977 Dougherty Rd/Aiken/SC/29803 800-622-0221
(Picture taken at the Aiken Steeple Chase)
Selling real estate doesn't have to be like jumping hurtles, call me and and I'll take care of the rest. Find my email at my website. Click here
"Thanks for all the time and energy you put into selling our house. Best of luck and good wishes to you." The Seiglers
"This testimonial nor words can describe how much I appreciate your honesty, understaningd, patiences and professionalism. A high recomendation is in order. p.s. You deserve a raise." Wayne Johnson
Not all real estate licensees in Aiken, SC are REALTORS®. REALTORS® are real estate licensees who have made a professional decision to become members of the National Association of REALTORS ® through the Aiken Association of REALTORS® and adhere to a strict Code of Ethics with Standards of Practice that promote the fair, ethical and honest treatment of all parties in a transaction in addition to the Real Estate Laws of SOuth Carolina. The term REALTOR® and the familiar Block "R" logo are trademarked by the National Association of REALTORS® and can only be used by REALTORS®. REALTORS® improve their professionalism through education and designation programs.
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