Heather Raney - Mortgage Banker in SC & NC NMLS: 1804376

It can be very intimidating to think about buying a home. Tell me if this is you:
1) I don't have enough to put down on a mortgage?
2) I have a lot of debt.
3) My credit isn't that great.
4) I can't afford the payment.

If you have thought any of these things, you are NOT alone. Here is the kicker though - how do you know what you can or can't do until you have tried?
I have answers for all these questions. Reach out today by commenting with the word help please. You can always email me directly at [email protected] or via my website www.heatherhelpsyoumove.com.

You never know what you CAN do until you try.

This was a special situation. Not every day you get to work with the whole family. What a special situation this was for everyone, and I'm sure Jordan & Emmy would agree 😆.

I met Emmy through . She asked me about her and her husband buying the home they currently live in from Jordan's family. As a member of Junior League of Greenville, they received a member perk of a lender credit at closing. I loved helping them and meeting the family at closing.

They did a renovation loan which is not your every day situation. There are so many more moving parts and people, but they were troopers. It wasn't super crazy, but a lot more involved than a regular purchase. We got through it though and closed today. If you are looking to purchase a home and would like my help to get to the closing table, let me know. I'm here to help.

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It can be very intimidating to think about buying a home. Tell me if this is you:
1) I don't have enough to put down on a mortgage?
2) I have a lot of debt.
3) My credit isn't that great.
4) I can't afford the payment.

If you have thought any of these things, you are NOT alone. Here is the kicker though - how do you know what you can or can't do until you have tried?
I have answers for all these questions. Reach out today by commenting with the word help please. You can always email me directly at [email protected] or via my website www.heatherhelpsyoumove.com. Let's see what we can do together.

Check this one level home out!! 😍

USDA loans offer low-to-moderate income families affordable housing options, with zero down payment! The 2024 income updated limits have increased, helping more borrowers achieve homeownership!

1-4 member households: $112,450 (up from $110,650)
5-8 member households: $148,450 (up from $146,050)

Income limits vary by county, and higher limits apply to areas with higher cost of living. Ask Atlantic Bay to see if you qualify for a USDA loan!

Check out this turn key home listed by Jill Cody Properties- Keller Williams Greenville Central

Great location in Taylors about 15 minutes from downtown Greenville and 10/15 min from Greer.

This one is ready to go. Open house today if you want to see it in person. See if you qualify for this home or a new home or another home by applying on my website, Www.heatherhelpsyoumove.com. Let's get you moving.

For Sale: 431 Buchanan Ridge Rd, Taylors, SC 29687 | realtor.com® 431 Buchanan Ridge Rd, Taylors, SC 29687 is for sale. View detailed information about property including listing details, property photos, open house information, school and neighborhood data, and much more.

Getting pre-approved is the best first step to homeownership, and if you’re in the military or are a veteran you may be considering a VA loan. My dad is an Air Force Veteran, and my grandfather was in the Army. I love working with veterans because they deserve so much for their sacrifice.

Let’s look at what the pre-approval process may look like for you. I'm here to help you start your journey. Thank you for your service!

https://www.atlanticbay.com/knowledge-center/homeownership/how-to-get-pre-approved-for-a-va-loan/

These 2 homes have new owners today.

One consisted of a repeat client and new agent relationship and the other a repeat agent relationship and new client.

I'm so excited for these 2 different families. Cheers to new adventures and new beginnings!

Who can I help next?!

Check out these ladies and the service options they provide to help you move in or out or just organize and declutter.

Imagine settling into your new home with zero boxes left to unpack and all your belongings professionally organized for your unique needs.

Our team is ready to help you start your next chapter 100% stress-free!

Need help decluttering before a move or want us to manage it all? We've got you! We partner with the best service providers for a true concierge experience. Send us a message to learn more! 📲

New VA rule update! The VA just announced that starting August 10, 2024, Veterans can directly pay certain buyer-broker fees! Previously, VA borrowers weren’t allowed this option, making their offers less competitive – but now they have more buying power!

Remember, there are still options to negotiate seller concessions to cover this fee. Learn more about this helpful change in our recent article.
www.atlanticbay.com/newsroom/uncategorized/NAR-settlement-info/

Do not wait! Waiting will hinder you every time. It's all about proactivity and being prepared. If you are even considering the thought of jumping into the buyer pool, then let's take a look at what that looks like for you.

It's like doing a puzzle. Until you dump the box of pieces out and start sorting them, you don't know how it goes together. All the pieces go together different ways, so what worked for your friend, coworker, or family member will never be the same for you.

Reach out today via my website www.heatherhelpsyoumove.com or just email me [email protected] and let's start the conversation.

So, you’re planning how to manage the purchase of your biggest asset, a home? How exciting! Getting the jump-start on your financial plan for homeownership is a process. It takes thought, preparation, and financial planning. That’s where I come in to help! If you’re ready to start your home search, let’s chat!

https://www.atlanticbay.com/knowledge-center/homeownership/getting-a-jump-start-on-your-financial-plan-for-homeownership/

Mortgage Tip Tuesday (Part 1): Be cautious with points. Points are a payment of interest in exchange for a lower rate. Long-term planning is key when it comes to points. Ask me for more information!

http://www.heatherhelpsyoumove.com

When should you refi? You’re going to want to take advantage of the current interest rate that’s lower than the one you bought with. Even getting a 1 to 2% drop in rate could make a huge dent in your monthly mortgage. Win? We think so.

The rankings are in! Atlantic Bay has been ranked a top 20 purchase lender in all of South Carolina for 2023!

Thank you to our borrowers for trusting us to help make your home dreams come true. And thank you to our industry partners, real estate friends, and community for the continued support.

Add that one to your arsenal, dads!
Happy Father’s Day!

Build your future’s foundation this National Homeownership Month.
Don't put off turning your dream into reality. Contact me today and get pre-qualified!

It's national homeownership month. I thought I would share the homes 🏡 I have purchased over the last 20 years. You heard that right... 20 years. Let's look at those numbers.
20 years
4 houses 🏘
> 5 mortgages 💰
2 different helocs
7.75% highest rate 📈
3.25% lowest rate 📉
1000 sq ft to 2200 sq ft 📏

I say this to show you that the house you buy today WILL CHANGE, and at minimum, the mortgage will change. So find the home you NEED now and build your wealth by paying yourself. When it's time, you'll make your next move with what you have earned back from your first home.

The story behind these homes I'll post in my story. I've done it (bought, sold, moved, refinanced), and would love to help you do the same. Check out my website www.heatherhelpsyoumove.com to get started. 🆘️👋

Find that home 🏡 you want? Down payment is the hardest part for most buyers. 💰

Here's a housewarming gift 🎁: ONE+ by Rocket Mortgage that covers 2% of your 3% down payment!



Product Disclaimer: https://www.rocketprotpo.com/disclosures-and-licenses/

Find that home you want? Here's a housewarming gift: ONE+ by Rocket Mortgage that covers 2% of your 3% down payment!

Product Disclaimer: https://www.rocketprotpo.com/disclosures-and-licenses/

Join us in honoring our courageous military personnel and their families this Military Appreciation Month! From tailored loan options to comprehensive financial education resources, we're dedicated to supporting the unique needs of and .We're deeply grateful for those who have selflessly served our nation, and we're committed to providing unwavering support as a token of our appreciation.

Home front support from Atlantic Bay!
The VA loan is a great option for qualifying active-duty military, Veterans, and surviving spouses.
You served us, now let us serve you. Call today to get started! ?

This is a sweet situation. I love helping clients achieve what they want to do. A little cash here, reno there, debt paid off, cash flow increase, all the things!

Happy closing day! 😊

Great day at the golf ⛳️ tourney. Thanks to everyone we met that made it so fun! .callahanconcrete