Welcome to DIR-USA, a website dedicated to companies that buy houses! If you have a house for sale that is not selling, then give one of these real estate professionals in your state an opportunity to buy your house for cash!
  • In foreclosure?
  • Bad tenants?
  • Is your house vacant?
  • 100% financed?
  • Owe liens?
  • Need repairs?
  • Divorce?
  • Job transfer or reloacation
  • Has your listing expired?
  • Estate sale?
  • Behind on payments?
  • Making 2 house payments?

What is a Pre-Foreclosure in Charleston SC?

January 31, 2019
By dkeefe

With millions of homes across the country going into foreclosure, it’s important for both buyers and mortgage holders to understand the process.

What is a Pre-Foreclosure

So what is a pre-foreclosure in Charleston anyway?

Many homeowners across America and Charleston are facing difficulties making their monthly mortgage payments.

When a homeowner misses 3-6 months of mortgage payments, the lending institution will issue a warning, notifying the homeowner to pay or lose their home. This period is known as “pre-foreclosure.”

Banks and mortgage lenders typically provide three months for the homeowner to become current.  Of course this number can vary by bank and situation sometimes.

If a homeowner fails to make the necessary payments, the bank will foreclose on the home, assuming ownership, and evict the homeowner. Thankfully, during this stage of the foreclosure process, a mortgage holder has the opportunity to take advantage of several options to prevent losing their home.

Pre-foreclosure Options for Borrowers

If you’re behind on mortgage payments, you’re likely to receive a “notice of default” from your mortgage lender.

This document will state that you have not made mortgage payments for the last 90-180 days. It’s important not to panic.

You have options that can delay or even prevent losing your home:

  • If your mortgage is “above water,” (meaning you have equity in your house) you may be able to refinance your mortgage, receiving lower monthly payments.  Check with your local Charleston mortgage broker… or contact us and we can connect you with a reputable one.
  • You may be able to quickly sell your home to a real estate investor that’s reputable in Charleston like us at Charleston Property Solutions, LLC, using the cash acquired to pay the months of back-payments owed (or we *may* be able to work out something with the lender that relieves all or part of your back payments.We can buy your Charleston South Carolina area home quickly, often in just a week or two, will pay in cash, and takes the stress out of trying to find a buyer.
  • You can contact the bank and ask them to permit a short sale. In a short sale, you’ll sell your home for less than it’s worth, and the bank will take the loss as a tax write-off.  In some short sales you may still be required to pay the difference to the bank if the house doesn’t sell for what is owed on the loan.
  • You may be able to declare bankruptcy, which can buy you time to pay your debt. Bankruptcy will remain on your credit report for years, and can cause significant damage.

Lenders are very much aware of the widespread financial troubles across the country and they’re willing to work with borrowers a lot of the time.

If you’re honest and communicate with your lender, you’ll often find that there are options that will allow you to remain in your home, or at least salvage your credit rating.

A foreclosure can often negatively affect your credit score by 200-400 points and can prevent you from obtaining a loan of any sort for 5-7 years, so be very dutiful if you’ve received a Notice of Default from your lender.

But if you’re not able to find a solution with your lender working directly with them… connect with us. We may be able to help.

Ways We Can Help If You’re In Pre-Foreclosure

  • We can potentially help with a short sale – Submit your info on this website so we can evaluate your situation to see if we can help.
  • We can buy your Charleston area house – We buy houses in Charleston and would love to make you an all-cash offer on your house too. Just fill out the form here to get started >>
  • You can ask us questions and we can provide you FREE guidance and resources so you can make a well educated decision. This costs you nothing, there’s absolutely no pressure, no obligation… just free guidance without a catch.

If you’re in the pre-foreclosure stage… you’ve still got time to fix this situation.

Just connect with your bank to see if they’re willing to work with you… or contact us if you’d like to see what we can buy your house for or to tap into our free foreclosure foreclosure resources.

Want To Discuss Your Pre-Foreclosure Options?
Call Us at (843) 800-2705
Or, Submit Your Info Here To Get A Cash Offer On Your House >>

The post What is a Pre-Foreclosure in Charleston SC? appeared first on We Buy Charleston Houses.

What A Stagnant Listing Really Costs You In Charleston

January 31, 2019
By South Carolina Homes Inc

Stagnant ListingWhen trying to sell your home, a house that sits on the market for too long will only end up working against you. In our latest post, we will help you learn how to sell quickly, avoiding a dreaded stagnant listing. 

When a house sits on the MLS of weeks or months at a time, the odds of it selling decrease astronomically. It will drop down the list of available properties, getting viewed by more and more people. When it sits stagnantly for a period of time, people will begin to assume there is something wrong with it. Even if it is great shape, properties that stay on the MLS for a long time often become overlooked. On the MLS and listing sites such as Zillow, prospective buyers can easily see price changes and how long it has been on the market. Repeatedly dropping your price can make you appear desperate, making people feel as if they can offer a low price and you will accept. Below, we offer some insight as to why your house isn’t selling and what you can do about it.

Why It’s Not Selling

Priced Too High

If a home is priced too high initially, people will pass on by. The listing will slowly make it’s way down the list so even if you drop the price to something more reasonable, you won’t have as many prospective buyers seeing the listing.

Bad Photos or Description

Any aspect of a bad listing or advertisement will make people look the other way. Quite often, you will see a listing with bad or limited photos. In order to have a successful listing, you should take the time to clean the clutter out of the house. Make sure there is a lot of light in the photos and even opt to bring in a professional when needed. Paying a little upfront will make a big difference in how your listing is received. You should also make sure the ad copy is on point. HIghlight the positive features and amenities of the house, being sure not to leave anything out.

Dark and Dreary

When people come to view the house, they shouldn’t feel as if they are in a cave. Open all the curtains and let in as much light as possible. Your prospective buyers will feel more comfortable in an open space as opposed to a confined and dark area.

Major Repairs Required

Many lenders won’t grant loans for people to buy properties in need of major repairs. If your property is run-down or needs a good amount of cosmetic work, a direct sale might be a more realistic way for you to go.

What A Stagnant Listing Is Costing You

The longer your listing sits idly, the more the house ends up costing you. You will be sinking money into the house for the continued expenses such as utility bills, homeowners insurance, and property taxes. You will also have to consider the time and money you put into the house getting it ready for the MLS, sometimes all for naught.

What You Can Do About It

Avoid The MLS Altogether

Many people in Charleston and across the country are opting to sell their homes to buyers directly. The process will free them from commissions, repair costs, and not knowing when the house will sell. At South Carolina Homes, we are a team of direct buyers who can make an offer on your house almost immediately. There is never any obligation. If you have tried to sell in the past without any luck, or if you simply want to sell without any cost or waiting, a direct sale is an option you should seriously consider.

Upgraded Marketing

If you decide to relist the property, you may decide to do things differently the second (or third) time around. If you are going to do it, do it right. Make the investment in a professional photographer or videographer. Pay the costs for the featured and upgraded online listing options. Do whatever you can to quickly get your house in front of as many people as possible.

Set The Price Right From Day One

Nothing can destroy a great listing faster than an unrealistic price. People will immediately assume the house is out of their league or that you don’t know what you are doing. Either way, your listing won’t be taken seriously. By pricing it right from the start, you will have a better chance of attracting prospective buyers and selling the house in as little time as possible.

Do you have a house you want to sell in the Charleston area? Whether or not you have tried to list the home in the past, we can help you avoid the waiting, hassles, and costs of a traditional MLS listing. Find out what a direct sale can mean for you! We always make fair and honest offers for Charleston houses!

Want to sell your house in Charleston without the fear of a stagnant listing? We can help you! Contact us today for more information!

The post What A Stagnant Listing Really Costs You In Charleston appeared first on We Buy Charleston SC Houses.

Sell My House Fast Johns Island SC

January 29, 2019
By webuyhousescharlestonsc

Sell My House Fast Johns Island SC Do you want to “sell my house fast” in Johns Island SC or in another area of Charleston, SC? We are the local sell my house fast Johns Island SC company and we can help. If you would like more information about how we buy homes or if you’re ready to sell your house fast in Johns Island, … Continued

The post Sell My House Fast Johns Island SC appeared first on Charleston SC House Buyers.

Sell My House Fast Johns Island SC

January 29, 2019
By webuyhousescharlestonsc

Sell My House Fast Johns Island SC Do you want to “sell my house fast” in Johns Island SC or in another area of Charleston, SC? We are the local sell my house fast Johns Island SC company and we can help. If you would like more information about how we buy homes or if you’re ready to sell your house fast in Johns Island, … Continued

The post Sell My House Fast Johns Island SC appeared first on Charleston SC House Buyers.

How to Avoid Foreclosure in Charleston SC

January 25, 2019
By dkeefe

While the housing market show signs of rebounding, many people in Charleston South Carolina are still struggling to make their mortgage payments.

If you’re underwater on your home, or having trouble keeping up with your monthly mortgage payments, you could be fearful that your mortgage provider is going to foreclose.

Thankfully, there are a number of things that you can do to avoid foreclosure in Charleston. It’s important to remember that moving quickly is absolutely paramount, and could save your credit rating and your home.

So lets dive in on a couple quick tips on possibly how to avoid foreclosure in Charleston with your home.

How to Avoid Foreclosure in Charleston SC

The Keys of How To Avoid Foreclosure in Charleston Don’t Abandon Ship

Many people simply give up and walk away from their home. There are even areas of Charleston have begun to resemble ghost towns, as the economy has impacted residents significantly.

Detroit is a prime example of what can happen when people abandon their homes.

This can be stressful situation, but it’s extremely important to keep your wits about you. A foreclosure will have a huge negative impact on your credit score, and likely prevent you from purchasing a home for years to come. If you sell your home, you could leave a portion of the loan unpaid, and the lender could pursue legal action against your for the unpaid portion.

While it’s extremely stressful, you do have options:

• Negotiate with your mortgage lender. Banks and other financial institutions are well aware that citizens of Charleston are struggling. If you haven’t missed a payment yet, you may have some leverage to renegotiate the terms of your loan. Banks don’t like foreclosing on homes, and many will work with you if you aren’t too far behind. You may be offered forbearance, or even a full loan modification.

• Ask for help from Uncle Sam. Over the last five years, the federal government has implemented a number of programs to help struggling homeowners. The Home Affordable Modification Program (HAMP) allows struggling homeowners to modify their loans, reducing monthly payments. The Home Affordable Refinance Program allows homeowners who are current on their mortgage payments refinance an adjustable rate mortgage into a low-interest, fixed rate loan. Both of these programs are subject to eligibility requirements.

We understand that the possibility of losing your home can be stressful. You aren’t alone. Citizens all over Charleston are going through the same troubles. Foreclosure can have a lasting effect on your financial life, and it’s important to move quickly and take advantage of any options available. You could save both your credit rating and remain in your home.

We may be able to help you avoid foreclosure… connect with us today and lets discuss your situation. We don’t charge any fees… we’ll evaluate your situation… and present you your options so you can move forward and get this foreclosure behind you.

Avoid Foreclosure in Charleston SC

Give us a call anytime at (843) 800-2705 or
fill out the form on this website today! >>

The post How to Avoid Foreclosure in Charleston SC appeared first on We Buy Charleston Houses.