The Lowcountry Becomes You in Beaufort South Carolina

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Elagene Trostle FHA Abatement Program For Primary Home Purchases

Would you or your borrower like to keep extra cash monthly? The home seller or builder may pay up to 6% in closing costs which can allow enough $ to pay for 3-6 months of your interest payment on the new mortgage. Borrower would pay the principal (which is a very small amount at the beginning of the loan) and the escrows and that is all each month. For example on a $150,000 loan: $144,750 Loan Amount with 3.5% down (could be a gift*) $ 9000 seller can pay in closing costs - max 6% $ 5000 actu… Continue

Added by Elagene Trostle on July 1, 2009 at 9:44am — No Comments

Elagene Trostle 100% USDA Primary Homes to $100,000 Income

100% Financing with NO Mortgage Insurance. 102% of APPRAISED Value is used for LTV. 2% Funding Fee is added to the loan. Median Income: $75,500 Household of 1-4 $100,000 Household of 5-8 -Beaufort and Jasper Counties are eligible in all areas—except for Hilton Head. -Rates are competitive and the we now approve the loans. -Collection accounts may not have to be paid— it is determined by the underwriter! -High Ratios may be approved with compensating factors such as credit score over 620, stable… Continue

Added by Elagene Trostle on June 19, 2009 at 1:22pm — No Comments

Elagene Trostle FHA - only 3.5% down payment for primary homes!

Why do an FHA loan for a primary home purchase: Down payment can be gift rom family, employer, etc. Mortgage Insurance is much less than a conventional loan No income restrictions like USDA Great pricing - can do with no points or a buydown Quick and easy to approve and close. Please give me a call if I can answer any questions or if you wish to be prequalified at no cost: Elagene F. Trostle Sr. Mortgage Consultant 843-342-3900 x8 Office 843-338-9017 Cell 1-877-342-3900 x8 Toll Free ElageneT@… Continue

Added by Elagene Trostle on June 18, 2009 at 9:04am — No Comments

Elagene Trostle What is happening to interest rates this week?

Per my daily commentary source: There are no two ways about it – this week's $65 billion, three-part Treasury auction posses a significant threat to the prospects for steady to fractionally lower mortgage interest rates. Investors continue to be spooked by the inflationary implications of a lower dollar on international currency exchanges, higher oil prices and the massive amount of supply still to come from Uncle Sam before his fiscal year ends on the last day of September. Without somethi… Continue

Added by Elagene Trostle on June 10, 2009 at 4:32pm — No Comments

Robin Leverton BEAUFORT MAKES ANOTHER "BEST LIST'

Beaufort has been named one of the top places to retire by Money Watch.com. Beaufort appeared on multiple "best places" lists, including Money Towns on Water' Top Retirements.com and Retirement Living.com. The Beaufort positives listed included its quaintness,seaside homes and being recession-resitant due ot its military bases. Come see how the lowcountry becomes you. Continue

Added by Robin Leverton on June 1, 2009 at 2:11pm — No Comments

Elagene Trostle 90% Second Homes Condos and Jumbo Mortgages

Second Homes to 90% Update -including condos that eligible for approval We can do a second home up to a $417,000 loan amount with mortgage insurance. Sales Price would be $463,300. Only one MI company will write the insurance and we use them! Condos must be approvable. Market rates! Call for quotes! Jumbo Programs There are still programs for 75% LTV up to $1 million on Second Homes with competitive rates. How about Fixed Arms and 30 year fixed with no points!!!!!! Call Elagene Trostle fo… Continue

Added by Elagene Trostle on May 29, 2009 at 2:44pm — No Comments

Elagene Trostle USDA to $400,000+ and Over 4 Property Mortgages!

USDA - Are you looking for a $400,000 100% Mortgage? The Continuing Education classes that I attended last week included USDA training. With the new income levels we could do a home for $400,000 purchase! Remember that income for 1-4 family members is $75,750 or 5-8+ is $100,000. This includes all family income based on who is signing the note and mortgage. There are credits for childcare, etc. Again it is 100% financing of the appraised value of the purchase of a home if higher - not the sales… Continue

Added by Elagene Trostle on May 16, 2009 at 4:52am — No Comments

Keith Strawn What a home tour!!!

On the surface, an office home tour may not seem like the most exciting way to spend an hour or two. But, this morning, the Lowcountry office went on a tour which would make master Lowcountry storyteller Pat Conroy envious. We traversed the back roads of St. Helena Island, before emerging at a waterfront paradise along Wallace Creek. From there, it was off to Polowana Island, which is surrounded by some of the best deep-water property you'll find on the East Coast. This Jenkins Creek property w… Continue

Added by Keith Strawn on May 6, 2009 at 9:09am — No Comments

Elagene Trostle DU Refi Plus and New Appraisal Guidelines

New DU Refi Plus Program If you or your clients are upset because home values are too low to refinance, we now have an answer to help them refinance to a lower interest rate and it is based on the original value of the home when they last purchased or refinanced. Existing Mortgage Must be a Fannie Mae loan and must be a rate and term refinance (no cashout). (Note that Freddie Mac will soon do the same): · Available for all occupancy and property types · Mortgage insurance will be waived on l… Continue

Added by Elagene Trostle on May 1, 2009 at 7:43am — No Comments

Keith Strawn Cyclists Storm Beaufort

The historic mansions and moss-draped trees of downtown Beaufort provided a picturesque backdrop Tuesday afternoon as professional cyclists stormed the streets of Beaufort Tuesday afternoon, as part of the Beaufort Memorial Cycling Classic. The Beaufort Gazette reported several hundred onlookers.

… Continue

Added by Keith Strawn on April 28, 2009 at 9:00pm — No Comments

Robin Leverton BEAUFORT YACHT & SAILILNG CLUB

Beaufort Yacht & Sailing Club will host an open house this Sunday May 3rd between 1 and 4pm. There will be information on summer youth programs and also membership opportunities. The club offers a summer learn to sail program using Sunfish. If you like the water, come join the f… Continue

Added by Robin Leverton on April 27, 2009 at 9:53am — No Comments

Keith Strawn Hunting Island Birthday Party

My oldest daughter celebrated her 13th (yikes!!) birthday at Hunting Island State Park. Hunting Island is a true treasure. The island is so unique that it has been the setting for several major motion pictures, including Forrest Gump. The Vietnam scenes??? That's Hunting Island. The island is home to a very cool light house, which was helped steer passing vessels away from the shore for years and years. I thought you might enjoy a very cool picture taken by my wife, Jennifer, who lined up all th… Continue

Added by Keith Strawn on April 25, 2009 at 8:45pm — No Comments

Sonnie Torrey Beaufort Memorial Cycling Classic - April 28th

April 28, 2009 Beaufort residents will have the opportunity to see professional cycling teams race up close and personal. With racing speeds of up to 35 and 40 miles an hour and more than 120 professional male and female cyclists participating this will be a site to remember. Cyclists representing all 15 national professional cycling teams will participate in the race, all vying for a slice of the $15,000 purse: $10,000 for the men’s competition and $5,000 for the women’s competition. The even… Continue

Added by Sonnie Torrey on April 22, 2009 at 12:23pm — No Comments

Keith Strawn Flying Across Henry C. Chambers Waterfront Park

That little boy flying through the air at the Henry C. Chambers Waterfront Park is my son, Panyue, 7. My wife and a couple of the children visited Tuesday afternoon while in the area. There is no such thing as a tourist "trap" in Beaufort. It's all Beautiful, and locals tend to flock to the same areas as visitors -- Hunting Island, Bay Street in downtown Beaufort, etc. We enjoy the beauty and charm of Beaufort as much as visitors.

… Continue

Added by Keith Strawn on April 22, 2009 at 10:31am — No Comments

Susan Markham Spring in Beaufort and the Beaufort River Swim

We know spring is upon us in the Lowcountry when the grass turns green again, the flowers, dogwoods, and azaleas are in bloom, and the temperature begins to rise. It is also during this time of year when we can’t help but emerge from our short-lived winter hibernations and answer the call of the outdoors – beaches, beautiful weather, and being on the water. I moved to Beaufort, South Carolina 5 years ago when the US Marine Corps stationed my husband at the Beaufort Air Station. At the time, I d… Continue

Added by Susan Markham on April 17, 2009 at 9:38am — No Comments

Keith Strawn Steaming into Beaufort

Because Beaufort is a waterborne town, boats are commonplace on the rivers and creeks that thread the area. But, when you see a cruise ship -- even a smaller one -- approaching Beaufort, that is something else altogether. Last night, as my son and I rode our bikes into downtown Beaufort, I looked off to the right and saw The American Glory steaming towards us. It was quite a site, seeing the lit up ship cruising beneath the fading light of the early evening. The American Glory is part of… Continue

Added by Keith Strawn on April 16, 2009 at 7:35am — No Comments

Robin Leverton EASTER IN THE LOWCOUNTRY

Spring is here with the dogwoods and azaelas in full bloom. And this weekend we celebrate Easter. Since its orgin, Easter has been a time of celebration and feasting. There is a buzz in the air with families who are here to visit and grandchildren who are here for an Easter… Continue

Added by Robin Leverton on April 8, 2009 at 3:33pm — No Comments

Elagene Trostle Second Homes to 90% and 100% Primary Home Loans

Second Homes to 90% We now have second home mortgages available at Market Interest Rates. 720 credit score is the minimum required and is for single family homes only. Loan Amounts can be done up to $417,000. MI (Mortgage Insurance) is required. Call for quotes! 100% Loans are still available for purchases — both VA and USDA Both of these programs are still available with no MI! The Funding fee is added to the mortgage amount up to 102%. USDA loan amount is based on the appraised value NOT th… Continue

Added by Elagene Trostle on April 3, 2009 at 10:19am — No Comments

Gary Glaeser Trivia April 2, 2009

"Never go to a doctor whose office plants have died." - Erma Bombeck On this date in 1792 Congress established the United State Mint in Philadelphia Arriving or departing generals of the U.S. Military receive a ___ gun Salute. Fairy tale writer Hans Christian Anderson was dyslexic. Others afflicted by dyslexia include Thomas Edison, Woodrow Wilson, Tom Cruise, Henry Winkler and me. Arriving or departing generals of the U.S. MIlitary receive a 17 gun salute ()Presidentsare accorded a 21 gun s… Continue

Added by Gary Glaeser on April 2, 2009 at 8:34am — No Comments

Gary Glaeser Trivia for March 30th

"I dream my painting and then I paint my dream." Vincent van Gogh On this date in 1981 John Hinckley shot and wounded President Ronald Reagan in Washington DC When the magizine Rolling Stone premiered back in 1967, what familiar face graced the cover of the first issue? The White House is the most visited home in the United State. Second is Graceland, the former home of Elvis Presley. The answer to the question above about the cover of the Rolling Stone is John Lennon. Continue

Added by Gary Glaeser on March 30, 2009 at 8:42am — No Comments

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