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?
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  • 100% financed?
  • Owe liens?
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How To Avoid Losing Your House To The Bank in Charleston

July 5, 2018
By South Carolina Homes Inc

If you have found yourself on the brink of foreclosure, there are a few things you can do to avoid losing your house to the bank. In our latest post, we will outline several ways you can stop the bank from foreclosing on your Charleston house! 

Nobody wants to find themselves in a place where they can potentially lose their home. Between the financial loses and the mental anguish, you can find yourself tired, broke and completely stressed out. However, there are a few things you can do to get yourself out of this unfortunate situation.

Sell It Fast

This might sound like a no-brainer, but the best way to get out of foreclosure is to sell your house as quickly as possible. You don’t have to sell it for pennies on the dollar, you can choose to sell it to a professional home buyer such as South Carolina Homes, or you can try to pull off a quick FSBO. By selling your house quickly, you will be able to pay off the mortgage and say goodbye to the house that has been causing you stress. Make sure you are working with a trustworthy home buyer or have done all your homework to confidently be able to sell it on your own.

Negotiate Out Of Foreclosure

In some cases, you will be able to contact the bank and negotiate your way out of foreclosure. At the end of the day, banks don’t like foreclosure. It costs them a lot of time and money to foreclose on a property. Plus, a foreclosure in a neighborhood will drop home values for properties nearby. Short of a forbearance agreement, try to call your lender and explain your situation. You will likely get a little slack so long as missed payments aren’t the norm for you. Never be afraid to call your lender to work out a payment plan that works for you.

Find Out About Forbearance Programs

A forbearance program will provide short-term assistance to homeowners who have found themselves in a tough situation. The lender will hold off on the foreclosure process until after the forbearance period ends. During the grace period, the borrower will have a reduced payment or be able to avoid it entirely. To stop foreclosure, you will need to be able to pay all missed payments at the end of the forbearance period. It might be a good solution up front, however making the back mortgage payments can prove difficult for people who were tight on money in the first place.

Look Into A Loan Modification

A loan modification is a long-term alternative to managing a mortgage payment that you are consistently not able to make. Maybe there was a loss in a family or other major change and you can no longer pay what you used to. You can work with the lender to modify the loan, however, this will often increase your interest rate. Having your loan modified can be an excellent solution that allows you to stay in the house without fighting to pay your mortgage each month.

Are you facing foreclosure on your house in Charleston or the surrounding areas? We can help stop the banks from taking your house and destroying your credit!

Avoid Losing Your House To The Bank!

Ready to sell your Charleston house? We can help! Send us a message or give us a call today! (843) 881-7171

The post How To Avoid Losing Your House To The Bank in Charleston appeared first on We Buy Charleston SC Houses.

Sell My Home Fast Charleston SC

July 5, 2018
By webuyhousescharlestonsc

Sell My Home Fast Charleston SC Do you want to “sell my home fast” in Charleston SC? We are the local sell my home fast Charleston 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 Charleston, SC, please visit our sell my home fast Charleston SC page at https://www.webuycharlestonschouses.com/sell-my-house-fast-charleston-sc/ We … Continued

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10 Mistakes Home Sellers Can Avoid In Charleston, SC

July 3, 2018
By dkeefe

Ready to sell your house in Charleston, SC? You will likely have many decisions to make along the way. Learn more about mistakes home sellers can avoid before selling their house in Charleston!

There are many things to consider when selling your house. Sellers often make the same mistakes, but there are ways to avoid them. The first step is knowing what they are!

#1 – Not Exploring Options

You don’t have to list your house in Charleston in order to sell it. You can choose to sell it yourself either on the market to traditional buyers or directly to an investor or professional property buyer such as Charleston Property Solutions. What works for one property seller may not work for you. Before you call an agent, take a look at what is available to you! Learn about what we can offer you for your Charleston property! There is never any obligation.

#2 – Pricing It Incorrectly

If you choose to list your house, one of the biggest mistakes you can make is pricing it too high out of the gate. Many sellers have an over-inflated price in their head, trying to get as much as possible, without considering what will be a realistic price to sell for. Some agents will advise you to list high so they can convince you to sign with them, while they take a shot at scoring a higher commission.

#3 – Not Clearing Out Your Personal Items

Imagine if it were you viewing a property. You wouldn’t want to see someone’s vitamins on the table, family photos everywhere or their stack of mail on the counter. Seeing personal items strewn about can make people feel very uncomfortable. They need to be able to imagine themselves in the house, not feel as if they are intruding on someone’s space. Many people will pack up everything but the necessities and put it all in storage until the house has sold.

#4 – Not Considering All Costs

If you decide to list your Charleston, SC house, there are all sorts of costs to consider.  Not only are there agent commissions, but also agent fees, administrative costs, marketing costs, listing fees, closing costs and more. All of which can be avoided with a direct sale to Charleston Property Solutions.

#5 – Not Making The Needed Repairs

Not doing some things up front will cost you down the road. Once your buyer does an inspection, they will often ask for a number of things to be fixed. You might be blindsided by the number of repairs your house needs. Some sellers choose to have their own inspection done before listing so they have an idea of what they are in for. Taking care of the problems up front will save you time and money down the road.

Or simply sell to Charleston Property Solutions as-is.

#6 – Not Disclosing Items Upfront

These items will come back to bite you. Either in the inspection or when the new owner sues you. By law, you have to disclose what you know about the property.

#7 – Not Putting Away Pet & Kid Stuff

While kids and pets are wonderful, not everyone has them. Some people will feel a little uncomfortable if there are chew toys on the couch or legos all over the floor. Remember, the experience is about them. Make the areas feel neutral but welcoming.

#8 – Not Putting Personal Feelings Aside

This is business. If someone comes to view your house and you hear them say they want to pull out the garden to add a deck, don’t get too hung up on it if they plan on paying you the price you want. While you might feel a little sad, this is business, and missing out on a qualified buyer because of something petty can be a huge mistake.

#9 – Hiring A Bad Agent

It can be easy to hire the wrong agent. Some are full of charm and are great at sales. This is great when they are trying to sell your house, but they also use this charm to get you to sign with them. Make sure they aren’t making false promises or are only worried about their commission. You can look at reviews, but it is best to hear first-hand experience from people you know and trust. You simply aren’t going to click with everyone either. You might find the top agent in town can be incredibly stressful to work with.

 

#10 – Not Calling Charleston Property Solutions First

Charleston Property Solutions will provide you with the information you need to help you decide how to sell your house. There is never any pressure to sell or obligation when you give us a call. As professional Charleston investors, we want to work with you to help you make smart decisions about how to sell!

Are you ready to sell a house in Charleston? We can help! Send us a message or give us a call today! (843) 800-2705

Get a Fair Cash Offer Today!

The post 10 Mistakes Home Sellers Can Avoid In Charleston, SC appeared first on We Buy Charleston Houses.

How Foreclosure Will Impact You In Charleston

June 28, 2018
By South Carolina Homes Inc

How Foreclosure Will Impact You In Charleston

Across the country, people are still losing their homes to foreclosure every day. The banks are taking houses and leaving hard-working people with nothing to show for it. If you are behind on your mortgage, you don’t have to let the fear of foreclosure ruin you. There are alternatives! In our latest post, we explore how a foreclosure will impact you and what you can do to stop it.

Losing your house to foreclosure can have both long and short-term effects. There could be problems you might not have even considered as a result of foreclosure. If you are close to losing your home, there are solutions and ways to stop the banks from proceeding. First, let’s discuss the effects of foreclosure.

The Financial Effects

When you are foreclosed on, it will obviously have an adverse effect on your credit. Your credit score can drop by over 250 points. making it difficult for you to open a new line of credit with anyone. Do see your credit begin to rise again, you will need to be patient and not have any other financial slip-ups. It will take about 3 years for your credit score to rise again. If you want to buy another house, you will need to wait approximately 2-7 years to be able to qualify for financing.

If you are foreclosed on, and the bank is not able to recover the full amount borrowed, the difference is considered income. You might find yourself having to pay income taxes on the amount you were not able to pay back. Consult with an attorney or CPA to learn how a foreclosure will personally impact you in Charleston.

Mental Effects

Losing your house isn’t fun. The prospect of being homeless can cause stress, depression and lowered self-esteem. Losing your house is a loss of comfort, shelter, and recluse. But remember, this happens to people every day and it will pass. Here at South Carolina Homes, we can help you avoid this situation.

What To Do About It

The fastest and best option is to sell your house right away. However, if you are facing foreclosure you might not have the time to wait for the traditional listing process. In addition, a listing will incur costs upfront. If you have missed mortgage payments, coming up with the cash to fix, repair and upgrade the house may not be readily available. You can choose to sell your house quickly to a professional homebuyer. South Carolina Homes can make you a fair offer on your house, allowing you to sell quickly and walk away from the troubles you have been facing.

Not all homebuyers are the same. Before you agree to sell your house to a homebuyer, make you have run the numbers and that you won’t be hit by any hidden fees or charges. South Carolina Homes is a full-service buyer. We handle everything from start to finish so you can get out of your difficult situation quickly.

Do you want to avoid foreclosure on your Charleston house? We can help! Send us a message or give us a call today! (843) 881-7171

The post How Foreclosure Will Impact You In Charleston appeared first on We Buy Charleston SC Houses.

Charleston SC House Buyers

June 27, 2018
By webuyhousescharlestonsc

Charleston SC House Buyers What makes Charleston SC House Buyers the best real estate investors to buy your home? There are many issues that people have to deal with while selling a house. This is the reason that it often takes more than seven to twelve months to sell a house. It begins with a retail buyer and real … Continued

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