Uncategorized • November 7, 2023

1810 Longwood – Available for Rent January 1st, 2024

by Amy McCalman Kirby

1810 Longwood – Available for Rent as of January 1st, 2024

1810 Longwood Drive is currently rented and will be available in January.

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Showings are Available By Appointment Only for Pre-Approved Applicants. Please Read Instructions Below (note that credit check is not required for viewing, just proof of ID and income documentation):

Thanks for inquiring about our home for rent.

We encourage you to drive by and check out the neighborhood. If you like the area, for beginning the application process, the link to apply is:

https://www.zumper.com/apply?agentId=265619&credit&app

Please be sure to use an actual computer and not a mobile phone when you apply. The credit check program is not entirely mobile friendly. Although it appears to work, and will take your credit card information, it will never send me the application or credit report. This is because you must press the blue SHARE button in order to send them to me, and most people find this is not visible on a phone or tablet.

For your safety and our safety, and because of quarantine and social distancing requirements, we are encouraging interested customers to A) view the photos online and B) drive by the outside and view the neighborhood before applying to rent the home.

Before You Apply

We would encourage you to send your documented income (pay stubs) and driver’s license to amy@eraleatherman.com before you begin the credit application. We can look over your income and make sure you qualify based on income before you go to the expense of checking your credit score.

Photos and details of all available rentals may be found on realtor.com/rentals.

Application fee for credit score & criminal background check: $30/person, via link above. Each applicant must provide a separate email address.

Minimum credit score needed is 650. Prior Rules to Vacate, Rights to Cure, Evictions, Foreclosures, Bankruptcies, Collections, Judgements, Charge-offs, etc., will be cause for denial.

Minimum monthly income needed (documented via paystubs*) = 4 times the rent. Total needed to move in: First month’s rent + Security Deposit.

*Independent contractors must provide tax returns and bank statements to verify income. We will verify tax returns with the IRS. There are additional forms you’ll need to sign and a fee charged by the IRS if this applies to you.

To get pre-approved, please send your contact information, driver’s license and pay stubs to amy@eraleatherman.com for review. Your pay stubs should document current local income in the amount of 4x the monthly rent.

If you are sick or have been exposed to someone that is sick, please do not schedule an appointment.

If you know that you have bad credit, please do not schedule an appointment. We don’t ask that you pay for a credit check just to view the unit, but we do ask you to be honest about your credit history. If you’re uncertain about your credit, you may check it for free online with freecreditreport.com, and various other sites.

Amy McCalman Kirby

Office Manager/Broker

ABR, ABRM, C2EX, CRB, GRI

ERA Leatherman Realty, Inc.

2180 West Evans Street, Florence, South Carolina 29501

843-656-0622 Direct

amy@eraleatherman.com

Don’t Believe Everything You Read About Home Prices

by Amy McCalman Kirby

Don’t Believe Everything You Read About Home Prices

According to the latest data from Fannie Mae, 23% of Americans still think home prices will go down over the next twelve months. But why do roughly 1 in 4 people feel that way?

It has a lot to do with all the negative talk about home prices over the past year. Since late 2022, the media has created a lot of fear about a price crash and those concerns are still lingering. You may be hearing people in your own life saying they’re worried about home prices or see on social media that some influencers are saying prices are going to come tumbling down.

If you’re someone who still thinks prices are going to fall, ask yourself this: Which is a more reliable place to get your information – clickbait headlines and social media or a trusted expert on the housing market?

The answer is simple. Listen to the professionals who specialize in residential real estate.

Here’s the latest data you can actually trust. Housing market experts acknowledge that nationally, prices did dip down slightly late last year, but that was short-lived. Data shows prices have already rebounded this year after that slight decline in 2022 (see graph below):

But it’s not just Fannie Mae that’s reporting this bounce back. Experts from across the industry are showing it in their data too. And that’s why so many forecasts now project home prices will net positive this year – not negative. The graph below helps prove this point with the latest forecasts from each organization:

What’s worth noting is that, just a few short weeks ago, the Fannie Mae forecast was for 3.9% appreciation in 2023. In the forecast that just came out, that projection was updated from 3.9% to 6.7% for the year. This increase goes to show just how confident experts are that home prices will net positive this year.

So, if you believe home prices are falling, it may be time to get your insights from the experts instead – and they’re saying prices aren’t falling, they’re climbing.

Bottom Line

There’s been a lot of misleading information about home prices over the past year. And that’s still having an impact on how people are feeling about the housing market today. But it’s best not to believe everything you hear or read.

If you want information you can trust, turn to the real estate experts. Their data shows home prices are on the way back up and will net positive for the year. If you have questions about what’s happening in our local area, let’s connect.

Demographics • First Time Home Buyers • Florence SC Real Estate • Florence South Carolina • For Buyers • For Sellers • Housing Market Updates • Infographics • Rent vs. Buy • November 4, 2023

The Benefits of Buying a Multi-Generational Home

by Amy McCalman Kirby

The Benefits of Buying a Multi-Generational Home [INFOGRAPHIC]

Some Highlights

If you’re ready to buy a home but are having a hard time affording it on your own, or, if you have aging loved ones you need to care for, you might want to consider a multi-generational home.
Living with siblings, parents, and even grandparents can help you save money, give or receive childcare, and spend quality time together.
Let’s connect to find a home in our area that’s perfect for you and your loved one’s needs.

Uncategorized • October 31, 2023

🎃👻 Spooktacular Halloween Greetings from Florence, South Carolina! 👻🎃

by Amy McCalman Kirby

🎃👻 Spooktacular Halloween Greetings from Florence, South Carolina! 👻🎃

Hey there, folks! While I usually spend my time talking houses, today, I’m stepping into the Halloween spirit! 🕷️🕸️

Florence may not be the spookiest place, but that doesn’t mean we can’t enjoy some hauntingly good fun. Whether you’re a property owner, a fellow dog lover, or just a Halloween enthusiast like me, this is the season to let your imagination run wild.

🏡 Haunted House Hunting: If you think finding your dream home is an adventure, imagine searching for one with a touch of eerie charm! I’ve seen some homes with unique histories, and you never know what surprises they might hold.

🐶 Dress Up Your Pup: Halloween is a fantastic time to get creative with your furry friend’s costume. Share your adorable doggos in their spookiest or silliest attire – trust me, I can chat about dogs in costumes for hours!

🚶 Spooky Strolls: Our beautiful beaches offer more than just sunshine. Take a moonlit walk along the shore, and you might just feel the magic of the season. Share your beachside Halloween experiences with me!

Remember, Halloween is all about enjoying the company of friends and family, indulging in sweet treats, and embracing the joy of dressing up. So, whether you’re scaring up some fun or just enjoying the cozy vibes of autumn, have a fang-tastic Halloween!

Feel free to share your own Halloween stories or pictures in the comments. And if you ever want to switch gears and talk real estate or dogs, I’m here for that too. 🏠🐾

#HappyHalloween #FlorenceSC #RealEstateAdventures #DogLoversUnite 🎃👻🏡🐶

Uncategorized • October 29, 2023

What Are the Real Reasons You Want To Move Right Now?

by Amy McCalman Kirby

What Are the Real Reasons You Want To Move Right Now?

If you’re considering selling your house right now, it’s likely because something in your life has changed. And while things like mortgage rates play a big role in your decision, you don’t want that to overshadow why you thought about making a move in the first place.

It’s true mortgage rates are higher right now, and that has an impact on affordability. As a result, some homeowners are deciding they’ll wait to sell because they don’t want to move and have a higher mortgage rate on their next home.

But your lifestyle and your changing needs matter, too. As a recent article from Realtor.com says:

“No matter what interest rates and home prices do next, sometimes homeowners just have to move—due to a new job, new baby, divorce, death, or some other major life change.”

Here are a few of the most common reasons people choose to sell today. You may find any one of these resonates with you and may be reason enough to move, even today.

Relocation

Some of the things that can motivate a move to a new area include changing jobs, a desire to be closer to friends and loved ones, wanting to live in your ideal location, or just looking for a change in scenery.

For example, if you just landed your dream job in another state, you may be thinking about selling your current home and moving for work.

Upgrading

Many homeowners decide to sell to move into a larger home. This is especially common when there’s a need for more room to entertain, a home office or gym, or additional bedrooms to accommodate a growing number of loved ones.

For example, if you’re living in a condo and your household is growing, it may be time to find a home that better fits those needs.

Downsizing

Homeowners may also decide to sell because someone’s moved out of the home recently and there’s now more space than needed. It could also be that they’ve recently retired or are ready for a change.

For example, you’ve just kicked off your retirement and you want to move somewhere warmer with less house to maintain. A different home may be better suited for your new lifestyle.

Change in Relationship Status

Divorce, separation, or marriage are other common reasons individuals sell.

For example, if you’ve recently separated, it may be difficult to still live under one roof. Selling and getting a place of your own may be a better option.

Health Concerns

If a homeowner faces mobility challenges or health issues that require specific living arrangements or modifications, they might sell their house to find one that works better for them.

For example, you may be looking to sell your house and use the proceeds to help pay for a unit in an assisted-living facility.

With higher mortgage rates and rising prices, there are some affordability challenges right now – but your needs and your lifestyle matter too. As a recent article from Bankrate says:

“Deciding whether it’s the right time to sell your home is a very personal choice. There are numerous important questions to consider, both financial and lifestyle-based, before putting your home on the market. . . . Your future plans and goals should be a significant part of the equation . . .”

Bottom Line

If you want to sell your house and find a new one that better fits your needs, let’s connect. That way, you’ll have someone to guide you through the process and help you find a home that works for you.

Buying Myths • First Time Home Buyers • Florence SC Real Estate • Florence South Carolina • Housing Market Updates • Selling Myths • October 28, 2023

Unmasking Scary Myths About Today’s Housing Market

by Amy McCalman Kirby

Unmasking Scary Myths about Today’s Housing Market [INFOGRAPHIC]

Some Highlights

Here’s what you really need to know about a few myths causing fear in today’s housing market.
Despite common misconceptions, many people can buy a home even if they have student loans, home prices are rising nationally (not falling), and you usually don’t have to have 20% for a down payment.
If you have other fears or reservations about buying a home today, let’s connect so you have an expert to help clear those up.

Community Events • Demographics • Florence SC Real Estate • October 9, 2023

Happy Indigenous Peoples’ Day

by Amy McCalman Kirby

🌿 Happy Indigenous Peoples’ Day 🌿

On this meaningful day, we honor and celebrate the rich cultures, traditions, and contributions of the Indigenous peoples who have called this land home for thousands of years. 🌎✨

As we reflect on the history of our nation, let’s also acknowledge the importance of preserving and respecting the land, just as we do in the world of real estate. 🏡🌳

Just as every home has a unique story, so do the Indigenous cultures that have shaped our history. Let’s take this opportunity to learn, appreciate, and support their continued resilience and strength. 💪❤️

#IndigenousPeoplesDay #RespectAndRecognize #CulturalHeritage #LandRespect #FlorenceSC #RealEstateCommunity #EveryNeighborEveryZipCode

Florence SC Real Estate • For Sellers • Housing Market Updates • Selling Myths • September 28, 2023

Why Your House Didn’t Sell

by Amy McCalman Kirby

Why Your House Didn’t Sell

If your listing expired and your house didn’t sell, you’re likely feeling a little frustrated. Not to mention, you’re also probably wondering what went wrong. Here are three questions to think about as you figure out what to do next.

Did You Limit Access to Your House?

One of the biggest mistakes you can make when selling your house is restricting the days and times when potential buyers can tour it. Being flexible with your schedule is important when you’re selling your house, even though it might feel a bit stressful to drop everything and leave when buyers want to see it. After all, minimal access means minimal exposure to buyers. ShowingTime advises:

“. . . do your best to be as flexible as possible when granting access to your house for showings.”

Sometimes, the most determined buyers might come from far away. Since they’re traveling to see your house, they may not be able to change their plans easily if you only offer limited times for showings. So, try to make your house available as much as you can to accommodate them. It’s simple. If no one’s able to look at it, how’s it going to sell?

Did You Make Your House Stand Out?

When selling your house, the old saying matters: you never get a second chance to make a first impression. Putting in the work to make the exterior of your home look nice is just as important as how you stage it inside. Freshen up your landscaping to improve your home’s curb appeal so you can make an impact upfront. As an article from U.S. News says:

“After all, if people drive by, but aren’t interested enough to walk through the front door, you’ll never sell your house.”

But don’t let that impact stop at the front door. By removing personal items and reducing clutter inside, you give buyers more freedom to picture themselves in the home. Additionally, a new coat of paint or cleaning the floors can go a long way to freshening up a room.

Did You Price Your House Compellingly?

Setting the right price is extremely important when you’re selling your house. Even though it might feel tempting to push the price higher to maximize your profit, overpricing can scare away buyers and make it hard to sell quickly. Business Insider notes:

“. . . the biggest mistake sellers make is overpricing their home.”

If your house is priced higher than others like it, it could make buyers lose interest. Pay attention to the feedback people give your agent during open houses and showings. If lots of people are saying the same thing, it might be a good idea to think about lowering the price.

For all these insights and more, rely on a trusted real estate agent. A great agent will offer expert advice on relisting your house with effective strategies to get it sold.

Bottom Line

It’s natural to feel disappointed when your listing has expired and your house didn’t sell. Let’s connect to figure out what happened and what to reconsider or change if you want to get your house back on the market.

Buying Myths • Demographics • Florence SC Real Estate • For Buyers • For Sellers • Housing Market Updates • Pricing • Selling Myths • September 26, 2023

The Return of Normal Seasonality for Home Price Appreciation

by Amy McCalman Kirby

The Return of Normal Seasonality for Home Price Appreciation

If you’re thinking of making a move, one of the biggest questions you have right now is probably: what’s happening with home prices? Despite what you may be hearing in the news, nationally, home prices aren’t falling. It’s just that price growth is beginning to normalize. Here’s the context you need to really understand that trend.

In the housing market, there are predictable ebbs and flows that happen each year. It’s called seasonality. Spring is the peak homebuying season when the market is most active. That activity is typically still strong in the summer but begins to wane as the cooler months approach. Home prices follow along with seasonality because prices appreciate most when something is in high demand.

That’s why there’s a reliable long-term home price trend. The graph below uses data from Case-Shiller to show typical monthly home price movement from 1973 through 2022 (not adjusted, so you can see the seasonality):

As the data shows, at the beginning of the year, home prices grow, but not as much as they do in the spring and summer markets. That’s because the market is less active in January and February since fewer people move in the cooler months. As the market transitions into the peak homebuying season in the spring, activity ramps up, and home prices go up a lot more in response. Then, as fall and winter approach, activity eases again. Price growth slows, but still typically appreciates.

After several unusual ‘unicorn’ years, today’s higher mortgage rates helped usher in the first signs of the return of seasonality. As Selma Hepp, Chief Economist at CoreLogic, explains:

“High mortgage rates have slowed additional price surges, with monthly increases returning to regular seasonal averages. In other words, home prices are still growing but are in line with historic seasonal expectations.”

Why This Is So Important to Understand

In the coming months, you’re going to see the media talk more about home prices. In their coverage, you’ll likely see industry terms like these:

Appreciation: when prices increase.
Deceleration of appreciation: when prices continue to appreciate, but at a slower or more moderate pace.
Depreciation: when prices decrease.

Don’t let the terminology confuse you or let any misleading headlines cause any unnecessary fear. The rapid pace of home price growth the market saw in recent years was unsustainable. It had to slow down at some point and that’s what we’re starting to see – deceleration of appreciation, not depreciation.

Remember, it’s normal to see home price growth slow down as the year goes on. And that definitely doesn’t mean home prices are falling. They’re just rising at a more moderate pace.

Bottom Line

While the headlines are generating fear and confusion on what’s happening with home prices, the truth is simple. Home price appreciation is returning to normal seasonality. If you have questions about what’s happening with prices in our local area, let’s connect.

Buying Myths • Disclosure • First Time Home Buyers • Florence SC Real Estate • Florence South Carolina • For Buyers • Move-Up Buyers • Rent vs. Buy • September 25, 2023

Beginning with Pre-Approval

by Amy McCalman Kirby

Beginning with Pre-Approval

If you’re looking to buy a home this fall, there are a few things you need to know. Affordability is tight with today’s mortgage rates and rising home prices. At the same time, there’s a limited number of homes on the market right now and that’s creating some competition among buyers. But, if you’re strategic, there are ways to navigate these waters. The first thing you’ll want to do is get pre-approved for a mortgage. That way you’ll know your numbers and can set yourself up for success from the start of your home search.

What Pre-Approval Does for You

To understand why it’s such an important step, you need to know what pre-approval is. As part of the homebuying process, a lender looks at your finances to determine what they’d be willing to loan you. From there, your lender will give you a pre-approval letter to help you know how much money you can borrow. Freddie Mac explains it like this:

“A pre-approval is an indication from your lender that they are willing to lend you a certain amount of money to buy your future home. . . . Keep in mind that the loan amount in the pre-approval letter is the lender’s maximum offer. Ultimately, you should only borrow an amount you are comfortable repaying.”

Basically, pre-approval gives you critical information about the homebuying process that’ll help you understand how much you may be able to borrow. Why does this help you, especially today? With higher mortgage rates and home prices impacting affordability for many buyers right now, a solid understanding of your numbers is even more important so you can truly wrap your head around your options.

Pre-Approval Helps Show Sellers You’re a Serious Buyer

Let’s face it, there are more buyers looking to buy than there are homes available for sale and that imbalance is creating some competition among homebuyers. That means you could see yourself in a multiple-offer scenario when you make an offer on a home. But getting pre-approved for a mortgage can help you stand out from other hopeful buyers.

As an article from Wall Street Journal (WSJ) says:

“If you plan to use a mortgage for your home purchase, preapproval should be among the first steps in your search process. Not only can getting preapproved help you zero in on the right price range, but it can give you a leg up on other buyers, too.”

Pre-approval shows the seller you’re a serious buyer that’s already undergone a credit and financial check, making it more likely that the sale will move forward without unexpected delays or financial issues.

Bottom Line

Getting pre-approved is an important first step when you’re buying a home. The more prepared you are, the better chance you have of getting the home you want. Connect with a trusted lender so you have the tools you need to purchase a home in today’s market.

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