Recently, the Obama Administration has introduced a plan for helping our economy get back on its feet. The plan is called The Home Affordable Refinance Program. Part of this program, MAKING HOME AFFORDABLE, will give between 4 & 5 million home owners with loans OWNED or GUARANTEED by Freddie Mac of Fannie Mae a chance to refinance and make lower monthly payments.  It also promises $75 billion to keep approximately 3-4 million homeowners from foreclosing on their homes!

PLEASE visit the website and find out how to contact your mortgage servicer, as well as much more information about this Plan! You can find out if you are eligible for refinancing, read FAQ from borrowers in the same ty...

The Lowcountry has so much to offer people, especially with Summer Time right around the corner. I thought I'd give you all an idea of what;s coming up and a list of events in Charleston, SC. So, if you happen to visit here, or you're already living here, you'll know where to be!! Here's a link for the Charleston, SC events that will be going on.

March Events In Charleston!

As always, I', just a call(843.452.6670) or click away!

~Karla

So, now I've completed Class 5 which discusses the ugliness of credit and the credit score.

I think the biggest "light bulb" I got was when Dave did a pie chart showing what our credit score is made up of. It's all based on debt! It has nothing to do with our income, positive cashflow just DEBT! So, if you have no credit score you have no debt!

Enough said.

Actually, not enough said. I have much more!  Alot of people are unsure about how their credit score gets to be a certain number or how to improve it, or WORSE, how it got so bad? How do you "lose points" or gain them? Here's some info on Credit Scoring and how it works.

~Credit scores (aka FICO scores) are numbers that are assi...

View the article below regarding a VA Compromise sale for those in the service whose mortgage payoff is greater than their sales price is. (if you have a VA  loan.)  A compromise sale (or offer in compromise) is when the Veteran's Administration approves the sale of your home when your mortgage payoff is greater than the sale price, and there is not enough to pay back your VA entitlement.  You must have a hardship and need to sell.

Click here for the whole Blog!

Two questions always come up when I help with VA Compromise Sales:

1.     How will a VA Compromise Sale affect my credit?

To get a direct answer, I called the Veterans Affairs Regional Office.  They told me VA Compromise sa...

Yes, That's right. I'm a QSC agent. A QUALITY SERVICE CERTIFIED AGENT! 

But what does that mean? Well, it means I will abide by certain guidelines when it comes to helping you buy a house or sell yours...

 QSC real estate professionals commit to:

• Follow a Service Process, which ensures consistently great results
• A Written Service Guarantee, so you know what to expect throughout the transaction
• An Open-Book Customer Satisfaction Track Record, with ratings displayed publicly
• Greater Accountability to you, including your opportunity to complete an independently administered satisfaction survey that becomes a part of their permanent track record
• The Highest Standard in real estate se...

FINANCIAL IQ TEST: How Healthy Is Your Budget?

If you have been living in the real world lately, especially in the world of real estate, you keep hearing about the Tax Credit and all of its changes. There are so many different situations for different people: some are first time home buyers, some are in the military, some of you are buying for your third or fourth time, etc. There have been some extensions and provisions... So, I thought I'd give you some tips, courtesy of our In-House Mortgage Lender from Bank Of America, Jeff Doss and the lovely IRS...You are eligible for the tax credit If you are a:

First Time Home Buyer (who closed before November 6, 2009): 

    You are eligible for the $7,500 tax credit.  You will have to pay...

As most of you know, Wendy Rulnick is of my favorite little bloggers out there. I always want to say exactly what she does, but I know I can't just copy and paste. It's ILLEGAL!!! She blogs about everything, from short sales and foreclosures, to funny everyday things that happen in her life, and just about everything having to do with the real estate world! She recently posted a blog about walking down the street and seeing a house that's been up on the market for more than 4 years and the possibilities of WHY THAT IS. She basically explains that THE PRICE NEEDS TO BE RIGHT......Your opinion on the value of your house doesn't really matter in the end..It needs to be comparable to other si...

So, it's my 3rd session with Dave Ramsey in Financial Peace University and feel it's time to write about the process of becoming debt free. I must say this must be one of the hardest emotional challenges that I have ever done in my life! My husband and I have been using debt to build wealth and have really put ourselves in a big pile of debt! To come out of it, we must sell what was once going to be our retirement plan and build our retirement plan with keeping to our budget.

Dave Ramsey was right, it takes time to get a monthly budget to net zero (income-expenses). This will be our 2nd month and we're definately in the RED again. However, the planning session for our February budget wen...

01/21/2010 - 02/14/2010

RENT The Musical produced by White Tuxedo Productions presents

01/22/2010 - 05/16/2010

Whistler’s Travels Exhibition at The Gibbes Museum of Art

01/28/2010 - 02/07/2010

Whodunnit?

02/03/2010

Wine To Water at Social Restaurant + Wine Bar

02/03/2010

THE HAVE NOTS! Comedy Improv Company and Laugh for a Lincoln


02/04/2010

How the Art World Works: New Twists on the World’s Second Oldest Profession

02/06/2010

Chamber Music Charleston’s “Classical Kids Concert”

02/06/2010 - 02/15/2010

Southern Comfort Blues Bash 2010

02/12/2010 - 02/14/2010

Southeastern Wildlife Exposition

02/12/2010 - 02/28/2010

“Health Nuts – A Musical Comedy”

02/12/2010 - 02/14/2010

Third Annua...