|
LOAN PROGRAM |
INTEREST RATE |
APR |
|
30 YR CONV FIXED |
4.750% |
4.843% |
|
15 YR CONV FIXED |
4.250% |
4.347% |
|
FHA/VA 30 YR FIXED |
4.875% |
4.972% |
|
JUMBO 30 YR FIXED |
6.625% |
6.721% |
|
RURAL HOUSING- USDA |
5.250% (zero down no MI) |
5.347% |
|
SC STATE HOUSING (CATEGORY III AND DISABILITY PROGRAM) |
5.750% $4,000 -DPA Available |
5.848% |
At Your Service,
Melissa "The Mortgage Maven" Breeland
902 Savannah Hwy
Charleston, SC 29407
Best Phone: (843) 991-6532
Fax: (843) 725-2363
Check This Out. At last check these zip codes 29150 (Sumter), 29201,(Columbia), 29203(Columbia), 29405 (Charleston), 29601 (Greenville), 29603(Greenville), 29624 (Anderson) are all in HUDs revitalization areas which means that Teachers, Police Officers and Firefighters/Emergency Medical Technicians can utilize the Good Neighbor Next Door Program to buy HUD homes for 50% off. They may use FHA, VA or Conventional (keep in mind that all property requirements per loan type stand firm and HUD will not do any repairs)
http://www.disasterhousing.gov/offices/hsg/sfh/reo/goodn/gnndabot.cfm
To view listings of HUD Homes or to find HUD-approved real estate agents, please visit the following web site: http://www.hud.gov/homes/homesforsale.cfm .
You may also wish to contact a HUD approved housing counseling agency in your area for unbiased and free counseling on your particular situation. You can find a list of these agencies at http://www.hud.gov/offices/hsg/sfh/hcc/hccprof14.cfm
http://www.hud.gov/homes/homesforsale.cfm
Photo taken by me down town Charleston, South Carolina. I then manipulated the photo slightly on www.picnik.com .
Just a quick blog to personally thank and welcome Boeing to North Charleston! The 3,000 new jobs will go a long way to helping our local economy...to say the least.
http://boeing.mediaroom.com/index.php?s=43&item=906 Read article here.
We are ready!
If this is something you are interested in...please don't call me.
You could, however, visit AnnualCreditReport.com, pull a free report and start the process of rebuilding your good credit.
Across the country there are many state agencies that can walk you through the process of rebuilding your credit, help you to develop and live by a budget and prepare you to eventually buy your own home.
Always make sure that you are working with a HUD Approved Housing Councelor before you hand over ANY money or sign ANY contract for services. Here in South Carolina a great place to start is Family Services, Inc.
Kiplinger has a simple free budget tool to help get you started if you are new to budgeting. I also recommend checking out their "How Much Can You Spend For Housing" program.
Do you suspect your bad credit scores are the result of identity theft? If so, the FTC has wonderful resources about how to proceed if you suspect identity theft.
If you feel you have been the victim of discrimination or unfair business practices you can contact...
SOUTH CAROLINA DEPARTMENT OF
CONSUMER AFFAIRS (they are even on YouTube!)
Do you need someone who knows government loan programs inside and out? If so, please give me a call...I specialize in VA/FHA and State Housing Loan Programs for the South Carolina Home Buyer.
Hi there. My name is Melissa Breeland and I have been originating and CLOSING loans for 8 years now. I love it..it's my passion! I specialize in FHA/VA and SC State Housing Loans.
There for awhile traditional financing wasn't very popular...it wasn't cool or hip. In light of the "Sub-prime Mortgage Meltdown", I'm glad I learned from the best how to analyze income and how to structure a deal that will not fall apart AND that is a wise investment for the borrower. I'm glad that I did my home work and researched programs until all hours of the night. I'm glad that we are weeding out the bad apples and are getting back to basics. There is nothing wrong with asking buyers to prove their income....those deals don't end up in foreclosure! Those deals don't destroy neighborhoods and families.
With so much negativity in the news today about the housing market you may be asking yourself, "What's left?" Plenty...the solid loan programs are in place and the reputable lenders are still here. It's a new day and the grass is green and the skies are blue. Let's close some loans!
MELISSA'S BLOG DISCLAIMER
The opinions expressed in my posts on this blog are those of the author only, and are not necessarily endorsed by the author's company or affiliated businesses. Any data provided is deemed accurate but not guaranteed. Opinions expressed in comments to this blog are not necessarily endorsed by the author.
"Melissa, We loved the way you related with us, you made us feel very special; like we were your only client. When we went to closing, last Friday, we were very surprised, that you had lowered our monthly mortgage payment, $40.00. That was great!!!
Thanks again,
We will be recommending you to potential buyers."
~ Bob & Lisa Butters
"Dear Melissa,
I would like to send you a note of thanks for taking such great care of my client. You definitely went out of your way. You did so much for my client. I will always send you my future business. I also love the e-mail updates. I do not know anyone doing that. Thanks again and I look forward to the next deal.
Sincerely," ~ Neil Schneider, AgentOwned Realty
"Dear Melissa,
We just wanted to say thanks for all your hard work, good advice and patience in helping us buy our first home! We also really appreciated that basket which arrived during closing. It was a thoughtful touch! Thanks again!" -Wayne & Cindy
"Thanks so much Melissa, This was the easiest loan that I have ever closed. Your professionalism and tenure in this transaction caused for happy clients and referrals from those clients.
I am so glad that you and your company are in our market to make this entire process hassle free for our clients. Keep up the amazing work." ~Jeff Cook An AgentOwned Realty Co.
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