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SC Lake Hartwell WF Land
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$300,000 & Above

 

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GA Lake Hartwell WF Land
Under $100,000
$100,000 - $150,000
$150,000 - $200,000
$200,000 - $300,000
$300,000 & Above

 

GA Lake Hartwell WF Homes
Under $200,000
$200,000 - $300,000
$300,000 - $400,000
$400,000 - $500,000
$500,000 & Above

 

Lake Hartwell Living

Why Is So Much Paperwork Required to Get a Mortgage?

Why Is so Much Paperwork Required to Get a Mortgage? | Simplifying The Market

When buying a home today, why is there so much paperwork mandated by the lenders for a mortgage loan application? It seems like they need to know everything about you. Furthermore, it requires three separate sources to validate each and every entry on the application form. Many buyers are being told by friends and family that the process was a hundred times easier when they bought their home ten to twenty years ago.

There are two very good reasons that the loan process is much more onerous on today’s buyer than perhaps any other time in history.

1. The government has set new guidelines that now demand that the bank proves beyond any doubt that you are indeed capable of paying the mortgage.

During the run-up to the housing crisis, many people ‘qualified’ for mortgages that they could never pay back. This led to millions of families losing their home. The government wants to make sure this can’t happen again.

2. The banks don’t want to be in the real estate business.

Over the last several years, banks were forced to take on the responsibility of liquidating millions of foreclosures and negotiating an additional million plus short sales. Just like the government, they don’t want more foreclosures. For that reason, they have to double (maybe even triple) check everything on the application.

However, there is some good news in this situation.

The housing crash that mandated that banks be extremely strict on paperwork requirements also allowed you to get a low mortgage interest rate.

The friends and family who bought homes ten or twenty years ago experienced a simpler mortgage application process, but also paid a higher interest rate (the average 30-year fixed rate mortgage was 8.12% in the 1990s and 6.29% in the 2000s).

If you went to the bank and offered to pay 7% instead of around 4%, they would probably bend over backward to make the process much easier.

Bottom Line

Instead of concentrating on the additional paperwork required, let’s be thankful that we are able to buy a home at historically low rates.

5 Reasons to Sell Your House This Summer

5 Reasons to Sell Your House This Summer | Simplifying The Market

Here are 5 compelling reasons listing your home for sale this summer makes sense.

1. Demand Is Strong

The latest Buyer Traffic Index from the National Association of Realtors (NAR) shows that buyer demand remains strong throughout the vast majority of the country. These buyers are ready, willing, and able to purchase… and are in the market right now! More often than not, multiple buyers are competing with each other for the same home.

Take advantage of the buyer activity currently in the market.

2. There Is Less Competition Now

Housing inventory is still under the 6-month supply needed for a normal housing market. This means that, in most of the country, there are not enough homes for sale to satisfy the number of buyers.

Historically, the average number of years a homeowner stayed in his or her home was six, but that number has hovered between nine and ten years since 2011. Many homeowners have a pent-up desire to move, as they were unable to sell over the last few years due to a negative equity situation. As home values continue to appreciate, more and more homeowners are granted the freedom to move.

Many homeowners were reluctant to list their home over the last couple of years for fear that they would not find a home to move in to. That is all changing now as more homes come to market at the higher end. The choices buyers have will continue to increase. Don’t wait until additional inventory comes to market before you to decide to sell.

3. The Process Will Be Quicker

Today’s competitive environment has forced buyers to do all they can to stand out from the crowd, including getting pre-approved for their mortgage financing. Buyers know exactly what they can afford before home shopping. This makes the entire selling process much faster and simpler. According to Ellie Mae’s latest Origination Insights Report, the time to close a loan has dropped to 43 days. (Last numbers available.)

4. There Will Never Be a Better Time to Move Up

If your next move will be into a premium or luxury home, now is the time to move up! The inventory of homes for sale at these higher price ranges has created a buyer’s market. This means that if you are planning on selling a starter or trade-up home, it will sell quickly, AND you’ll be able to find a premium home to call your own!

According to CoreLogic, prices are projected to appreciate by 4.8% over the next year. If you are moving to a higher-priced home, it will wind up costing you more in raw dollars (both in down payment and mortgage payment) if you wait.

5. It’s Time to Move on with Your Life

Look at the reason you decided to sell in the first place and determine whether it is worth waiting. Is money more important than being with family? Is money more important than having the freedom to go on with your life the way you think you should?

Only you know the answers to these questions. You have the power to take control of the situation by putting your home on the market. Perhaps the time has come for you and your family to start living the life you desire.

That is what is truly important.

Top 4 Renovations for the Greatest Return on Investment! [INFOGRAPHIC]

Top 4 Renovations for the Greatest Return on Investment! [INFOGRAPHIC] | Simplifying The Market

Top 4 Renovations for the Greatest Return on Investment! [INFOGRAPHIC] | Simplifying The Market

Some Highlights:

  • If you are planning on listing your house for sale this year, these four home improvement projects will net you the most Return on Investment (ROI).
  • Minor renovations can go a long way toward improving the quality of your everyday life and/or impressing potential buyers.
  • Whether you plan to stay in your house for a long time or just a few years, it’s smart to know which home renovations add the most value.
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Main Office Phone: 866-244-8439
Listing Specialist: 864-314-1058
Email: parkerquigleyproperties@gmail.com

Accolades

“Parker is very knowledgeable about the Lake Hartwell area and provided us with expert advice on the selection and purchase of our property” Top qualities: Personable , Expert , On Time Jeff Arvin Jeff Arvin
“Parker is absolutely the greatest! She knows how to network, innovative marketing ideas. She would be a valuable to any company.” Top qualities: Great Results , Expert , Creative David Chastain
“When it comes to savvy real estate marketing on Lake Hartwell or Lake Keowee in our great Upstate SC--Parker is a the TOP of her game. Lake knowledge--she has no peers.” Randy Looper , Owner , Carolina Media Group was a consultant or contractor to Parker at Re/Max Foothills Real Estate Randy Looper , Owner , Carolina Media Group
“Parker is a Professional from the word go in her Real Estate Profession. She follows thru, does what she says she will do for you, and most importantly is Honest, and very dependable. I would recommend her to anyone that is in the Market, or is contemplating selling their home.” Top qualities: Expert , High Integrity , Creative Vince Latone
“Parker helped us find a fantastic home on Lake Hartwell. She is very knowledgeable on the real estate market in that area. I would highly recommend Parker to anyone looking to buy or sell a lake home.” Top qualities: Great Results , Personable , Expert Kevin & Julie Batson
“Parker is an outstanding provider of Real Estate services to clients in our area. She goes beyond what is needed to get the job done each and every time. I can highly recommend that you use her service. Rod Pagan” Rod Pagan , Owner , Management Recruiters of Anderson was a consultant or contractor to Parker at Re/Max Foothills Real Estate Rod Pagan ,
“Parker was able to get a property closed which had never been on the tax map. It took a lot of dealings with many different individuals and was done very professionally. I can definitely recommend her.” Buddy Player , VP , miller player & assoc
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Our Lake Specialist Agents Available 24 hours a day & 7 days a week To answer questions and show property!

 

COME LIVE THE DREAM ~ LAKE LIVING AT ITS FINEST SC & NE GEORGIA

We are a one-stop shop for all of your

LAKEFRONT PROPERTY BUYING & SELLING NEEDS

  • Our service area includes all counties on Lake Hartwell, Lake Keowee & other smaller lakes in western upstate SC & NE Georgia: Hart County Ga, Franklin County Ga, Stephens County Ga, Anderson County SC, Oconee County SC & Pickens County SC. We also cover the cities of Anderson SC, Clemson SC, Seneca SC, Salem SC, Six Mile SC, Sunset SC, West Union SC, Starr SC, Iva SC, Townville SC, Westminster SC, Fairplay SC. In Ga we cover Northeast Ga including, Hartwell GA, Toccoa GA, Martin GA and Lavonia GA.
  • We cover area lakes including: Broadway Lake, Lake Secession, Lake Hartwell, Lake Keowee, Lake Jocassee, Lake Cherokee, Lake Becky, Lake Cheohee & Whitewater Lake......We are true Lake Specialists and can show you property by boat when you narrow your search to 2-3 properties.
  • Lots, Vacant Building Lots, Acreage for development and investment property for sale

The Lake Specialist Realtors of Parker Quigley Properties are able to Represent you as a Buyer's Agent if you like, thus affording you the ability to benefit from their valuable advice and help through the buying process. Buying lake property involves much more than "normal" real estate transactions, as you will soon find out.

We serve Buyers and Sellers in Western Upstate South Carolina & Northeast Georgia both ON THE LAKEFRONT AS WELL AS OFF-LAKE. ***We know this area and have several Agents who are area natives and can give you insight that many other "transplants" can not.

Parker Quigley has been serving Buyers & Sellers on  and around Lake Hartwell since 1996

We are the perfect fit for you if you are looking for a Realtor who:

  • Works happily with buyers in all price ranges & listens intently to your needs & wants
  • Works with future retirees, empty nesters, families relocating to our area for a new job, first-time home buyers, Vacation & 2nd Home Buyers, Investors and those looking to sell their current property and upgrade to a larger/ permanent home on the lake
  • Won’t waste your time showing you property above your requested price range unless instructed by you ~ we are here to help you and are No Pressure Realtors. Our objective is to MAKE OUR CLIENTS HAPPY ~ To make you Clients for life!
  • is experienced enough to handle any problems during the closing process such as property line encroachments, title problems (the the real estate attorney makes us aware of), problems getting your dock permit reassigned, etc.

We hope you enjoy your visit and explore everything our site has to offer:

  • Looking for a new home? Use Easy MLS Search to browse an up-to-date database list of all available properties in the area, or use my Dream Lake Home Finder form and we will conduct a personalized search for you.
  • Want to know more about Parker Quigley Properties?  Check out the About Us tab.

If you're considering selling your home or land, nothing is more important than knowing a fair asking price.We can do a complete Market Analysis to determine the accurate market value of your property.  We have an extensive marketing plan including print advertising, professional photography, paid online advertising (which draws buyers from all over the country - Chicago to California and everything in between).

PARKER QUIGLEY PROPERTIES is WHO to call when buying or selling property in Upstate South Carolina or Northeast Georgia.  Dive into Lake Living with Parker Quigley properties TODAY!

COME LIVE THE DREAM ~ LAKE LIVING AT ITS FINEST SC & NE GEORGIA

PARKER QUIGLEY PROPERTIES, LLC

Welcomes Lake Lovers, Water Enthusiasts, Retirees and those who are just searching for peaceful serenity! This will most likely be the beginning of the realization of a DREAM COME TRUE for many of you.  Happy searching.....we look forward to helping you any way we can. We have the experience, integrity, dedication, professionalism & reputation you need in a Lakefront Realtor.

*Click Pictures for Preset Searches!*

 

Realtor LogoEqual Housing Opportunity Resort & Second Home Property Specialist Parker Quigley on Zillow

Accredited Buyer RepresentativeE-pro logo Parker Quigley Properties, LLC BBB Business Review

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