Prosperity Home Mortgage
Our Preferred Lenders
selina.alexander@agentownedrealty.com
100 Crowfield Blvd, Creek, SC 29445
I would like to tell you a little bit about myself. I am originally from Greenville, SC. I grew up in a little town called Travelers Rest, close to the SC and NC line. I was raised in the country. I grew up hunting, fishing, riding four wheelers, getting muddy, and I love my Clemson Tigers! I am married to my high school sweetheart, Justin. He has always been my rock. We got married in December of 2003. We have been there for each other when no one else has been. We have 2 amazing children, Eve and Brycen. The keep us pretty busy between their personal lives, looking at colleges, Eve, and playing football, Brycen. They are our pride and joys. We finally bought our first home in April of 2018.
Justin and I are your rare high school couple. Not many people make it out of high school together, much less 17 years down the road. Family is very important to me. I was a stay at home mom for 15 years and absolutely loved being able to spend those years with my kids. My husband provided for us. I watched and supported my husband as he moved up in the company, from driving a tractor trailer to running the ship-ping department at a local lumber company. Since I was a stay at home mom, I understand the reality of finding that perfect home for your family.
Since I was able to stay at home with my kids, I had to find what I wanted to do. I was ready to go back to work. I decided to go into real estate. Real estate has always been a passion of mine. I love helping someone else get that perfect place to call home. It jut fit since I have always been around construction my entire life. I am extremely detail oriented and slightly OCD. If I don’t have or know the answer to a question, I will find out. I am here to help you through the entire process. Even if that means holding your had through the entire process. My clients don’t go away after the closing table, they become family to me.
One of my favorite sayings is “If you sleep on it, you may not sleep in it!” That saying says it all. I am very professional and ready to help with all your real estate needs.
Mortgage Help
Down Payment
The typical rule of thumb is to pay 20 percent of the home's price as your down payment, although some mortgage loans require as little as 3.5 percent down. Your down payment reduces the total amount of your mortgage loan, so the more money you put down, the lower your payments will be - or the more expensive a house you can buy.
Loan Term
Your loan program can affect your interest rate and monthly payments. Choose from 30-year fixed, 15-year fixed, and more in the calculator.
Loan Type
There are several types of mortgage loans, but the most commonly used are fixed-rate and adjustable-rate loans. Fixed-rate loans have the same interest rate for the entire duration of the loan. That means your monthly payment will be the same, even for long-term loans, such as 30-year fixed-rate mortgages. Two benefits to this loan type are stability, and being able to calculate your total interest up front. Adjustable-rate mortgages (ARMs) have interest rates that can change over time. Typically they start out at a lower interest rate than a fixed-rate loan, and hold that rate for a set number of years, before changing interest rates from year to year. For example, if you have a 5/1 ARM, you will have the same interest rate for the first 5 years, and then your interest rate will change from year to year. The main benefit of an adjustable-rate loan is starting off with a lower interest rate.
Interest Rate
This field is pre-filled with the current average mortgage rate. Your actual rate will vary based on factors like credit score and down payment.
Property Tax Rate
The mortgage payment calculator includes estimated property taxes based on the home's value. You can edit this in the advanced options.
Home Insurance
Home insurance or homeowners insurance is typically required by lenders, depending on the loan program. You can edit this number in the mortgage calculator advanced options.
HOA Fees
A homeowners association fee (HOA fee) is an amount of money that must be paid monthly by owners of certain types of residential properties, and HOAs collect these fees to assist with maintaining and improving properties in the association.