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Two-Time Close vs. One-Time Close Construction Loans in Upstate SC

Two-Time Close vs. One-Time Close Construction Loans in Upstate SC

Thinking about building in Greenville or the Upstate? Your construction loan choice comes down to one-time close versus two-time close: one closing or two, a locked rate or a rate set when your home is finished, less flexibility or more room for changes. This guide breaks down how each works, why we often favor two-time close, and which one fits your build.

Should I Buy a Home Now or Wait?

Should I Buy a Home Now or Wait?

Wondering if now is the right time to buy a home? Explore key factors like mortgage rates, election year trends, and long-term equity to help you decide whether to buy now or wait.

Huge Rate Bounce After Stunningly Strong Jobs Report

Huge Rate Bounce After Stunningly Strong Jobs Report

Friday's strong jobs report caused mortgage rates to rise quickly, reversing expectations. Despite recent Fed rate cuts, higher-than-expected job growth led to market adjustments, pushing rates higher.

The Latest Builder Trend: Smaller, More Affordable Homes

The Latest Builder Trend: Smaller, More Affordable Homes

Builders are focusing on smaller, affordable homes with incentives like price cuts and rate buy-downs. These new homes offer modern features, energy efficiency, and lower maintenance costs.

Refi Booms, Loan Limits, and Mortgage Rate Misdirection

Refi Booms, Loan Limits, and Mortgage Rate Misdirection

This week saw higher mortgage rates despite reports of lower rates. Lenders are predicting new loan limits, but they aren't official yet. A refi boom is happening, but only from previously low levels.

The Importance of Pre-Approval in Your Homebuying Journey

The Importance of Pre-Approval in Your Homebuying Journey

If you're thinking of buying a home, getting pre-approved for a mortgage is essential. It clarifies your budget, strengthens your offer, and positions you as a serious buyer in a competitive market.

Interest Rates Cut: Find Out What This Really Means for Homebuyers

Interest Rates Cut: Find Out What This Really Means for Homebuyers

The recent Fed rate cut doesn't directly lower mortgage rates, but it can impact other loans like credit cards and auto loans. Learn how this change might affect homebuyers and refinancing opportunities.

Understanding Mortgage Trigger Leads: A Guide for Homebuyers

Understanding Mortgage Trigger Leads: A Guide for Homebuyers

Starting your mortgage journey can lead to a flood of solicitations due to 'mortgage trigger leads.' Many buyers find this practice intrusive and overwhelming, and we can't blame them. Read here to find out how to help limit those:

Why Fed Day Matters Even Though Mortgage Rates Are Already Lower

Why Fed Day Matters Even Though Mortgage Rates Are Already Lower

It's a foregone conclusion that the Fed will be cutting rates on Wednesday, September 18th. As exciting as that might sound, mortgage rates have already reaped the rewards.

Why Pre-Approval Should Be at the Top of Your Homebuying To-Do List

Why Pre-Approval Should Be at the Top of Your Homebuying To-Do List

Since the supply of homes for sale is growing and mortgage rates are coming down, you may be thinking it’s finally your moment to jump into the market. To make sure you’re ready, you need to get pre-approved for a mortgage.

How the Next Federal Reserve Meeting Could Affect Your Mortgage Rates

How the Next Federal Reserve Meeting Could Affect Your Mortgage Rates

As the Fed meeting on Sept 17-18, 2024, approaches, it's key for homeowners and buyers to know how it could affect mortgage rates. Stay tuned to our blog for updates as we start to learn more.

Finding Your Ideal Mortgage Rate: What Number Are You Waiting For?

Finding Your Ideal Mortgage Rate: What Number Are You Waiting For?

Rates have actually started to come down. And, recently they hit the lowest point we’ve seen in 2024. If you’re thinking about buying a home, that may leave you wondering: how much lower are they going to go?

Here's Exactly What a Fed Rate Cut Will Do For Mortgage Rates

Here's Exactly What a Fed Rate Cut Will Do For Mortgage Rates

It's still just over 3 weeks away, but questions are already ramping up regarding the impact of the Fed's rate cut on mortgage rates.

Today’s Biggest Housing Market Myths

Today’s Biggest Housing Market Myths

Don't believe everything you hear, especially in today's housing market. There’s a lot of misinformation out there, so having someone you can go to for trustworthy information is extra important.

Protect Your Investment: Top Tips for Mortgage Fraud Prevention

Protect Your Investment: Top Tips for Mortgage Fraud Prevention

Buying a home is one of the biggest financial decisions you'll ever make in your life, and it should be a happy milestone. But, it's also a time when you need to be extra vigilant about mortgage fraud.

Powell Puts a Lid on The Rate Debate, But Where's The Bottom?

Powell Puts a Lid on The Rate Debate, But Where's The Bottom?

Each year, the Federal Reserve meets in Jackson Hole with central bankers and academics to discuss monetary policy. Fed Chair speeches here often impact financial markets and interest rates.

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