A little known tool called a "rescission" can be a consumer's best friend when trying to renegotiate with a lender.   A Truth In Lending Act loophole is starting to gather momentum, helping borrowers wiggle out of tough situations.  If your loan is a refinance loan on a primary residence made within the past three years you may want to pay close attention here.  If your lender did not dot his "I's" and crossed his "T's", you may be able to find a snafu and upend your loan.  It can be as small of a mistake as a $ 35 dollar difference between the preliminary and final loan documents, or a fraction of a point difference in the APR, or even something like the lender not giving you two copies of a document informing you of your right to cancel the loan for up to three days.I'm providing the ... 12/29/2007

Alot of forget what Christmas all about, It's about family and Jesus Christ! How about volunteering at a soup kitchen Check on the elderly Volunteer at a shelter Take it from someone has been on the good side of a big Christmas and no Blood Relatives in town. I have no money, but I have my new Family! My Real Estate clients and colleagues are family. I have no problem helping others. This year is gonna be slim on presents, but I have really awakened to the fact that it can not take away al the love that I have to give.   I have plenty of plastic, but not gonna put myself in more debt!   God has been good to me by giving me two lovely teenage daughters.   I will be back on track again in 2008! I plan on taking them on their first cruise during spring break. I know everyday that I am very... 12/20/2007

I thought I would never say this! I feel like I am on top of the world now that I opened Island Palms Realty!  I must say that making the move to open Island Palms Realty in Little River South Carolina is the best move in all my career. I am a very deciated Broker!!! KUDOS to me! Can't help but love it. So If someone says you need a national brand, They are WRONG!!!. We are a brand. Branded for exceptional service and savings to our clients. Our numbers show how we strive at being the best!   We advertise with all avenues in mind. Our clients are priority 1! We love our clients. In order to get as far as we have, you must love the client. I feel very special knowing that Island Palms Realty is an exceptional office!What a great office for Agent recruitment!   FINALLY~ A place to call ho... 12/20/2007

Lots of Realtors spread theirselves too thin by covering too many areas! Why spread yourself so thin. Take it from someone who did this! I live in the Myrtle Beach area and thought it was all mine. Boy I was wrong.If I get a listing too far from my regular area, I just refer it! DO NOT, I repeat DO NOT Take listings that you can not service. Sellers will thank you in the end. Always be honest and tell them that you will help find a Realtor in their area.If it's a past client or Relative then you might bend that rule! If you focus on a certain area, you will be the one folks will recognize as a household name.Reputition & Reputation are key here!   Myrtle Beach homes for sale South Carolina Homes Feel free to contact me via email info@myrtlebeachhomeandloan.com Chris Webster Island Palms... 11/27/2007

Sales Price:                                        Nr. Of Homes sold In that Price Range:$ 1 - $ 199,999                                 1$ 200,000 - $ 299,999                      2$ 300,000 - $ 399,999                      7$ 400,000 - $ 499,999                      3$ 500,000 - $ 599,999                      2$ 600,000 - $ 699,999                      2Total Homes Sold:                         17 The average price reduction (the difference between the original price and the final sales price expressed as a percentage of the original price) was 12.37%.The average time on the market was 205 days, or roughly 7 months.The longest time on the market was 585 days, or roughly one year and seven months.   The highest price reduction coincided with the longest time on the market (same proper... 11/16/2007

can you see...can you taste it...its time.  If you have not received a market report from your realtor, 1. call me and i will get you one and 2. you should request one and take a look.  Now a historic rule of thumb in the sales business is this; "if inventory is up, prices are down, and buyers take advantage...and the inverse holds true."  So, taking a look at teh market at the beach here in SC & NC, i would say its time to buy.  Now statistically, the winter is usualy slower than usual, and sellers are caught in desperation....hence the best deals.  Investors...now is the time.  If you look closely, actual listing pricing is going up.  There will come a pattern in my opinion of course, that inventory will start to decrease in the next 3 months ever so slightly limiting some inventory. ... 10/27/2007

  "Circumstances do not make a man, they reveal him."                                    Wayne Dyer     "God is like a comedian playing to a crowd that's afraid to laugh."                                      Voltaire         Life isn't about finding yourself.  Life is about creating yourself.                          Victory with humility; Defeat with Grace...     The greatest danger for most of us is not that our aim is too high and we miss it, but that it is too low and we reach it.                            Michelangelo                   Your Myrtle Beach Real Estate Connection, Mirela Monte                www.MyrtleBeachHomes.us Join the Optimist Group!     10/25/2007

Beautiful New Construction and a Fantastic Price!!Location: Longs, SCBeautiful New Construction in one of our area's hottest markets. Not in a subdivision. Lightly restricted to protect property values. Only 5 miles to Hwy 22, 3.5 miles to Hwy 9,10 miles to North Myrtle Beach, and 15 miles to myrtle beaches famous restaurant row.Photo GalleryInformationContact InformationBrandon Causey843-455-9260PricingAsking Price: $229,900Property Location9425 Hwy 905Longs, SC 29568FeaturesBedrooms: 3Bathrooms: 2Parking: 4Year Built: NewLot Size: 1/2AcGarage Size: 2School District: LorisSquare Footage: 1700Agent Name: Brandon CauseyBroker: Coastal Palmetto RealtyMLS #: 705656AttributesAppliancesRange/OvenSink DisposalInterior AmenitiesVaulted CeilingsExterior AmenitiesPatioPowered by vFlyer.com EQUAL... 10/21/2007

June 27 - September 27, 2007  -  Detailed Report One Bedroom Condos:Available Units:                                             227Price Range of Available Units:                     $ 66,800 - $ 549,900 Sold Units in the Past 3 Months:                    23Price Range of Sold Units:                             $ 52,000 - $ 230,000* A little over 10% of the units available have been sold in the past 3 months. Two Bedroom Condos:Available Units:                                              698Price Range of Available Units:                     $ 99,500 - $ 789,900 Sold Units in the Past 3 Months:                    24Price Range of Sold Units:                             $ 89,000 - $ 425,000* Less than 3.5% of the units available have been sold in the past 3 months. Three Bedroom Condos... 10/05/2007

These trying times provide us with a unique opportunity to show our true colors.  As a group, Real Estate Practitioners can be that much needed "lifeline" for people adversely impacted by the lending industry's debacle.  A few years ago I went through Hell trying to stop this young family's foreclosure.  I literally spent dozens of hours on the phone, trying everything in order to stop the foreclosure.  In the end it paid off: I succeeded.  I will never forget that phone call I received from my client.  It still sends chills up my spine to this day.  It was hard to understand her at first, because she was crying so hard.  Sobbing uncontrollably she mustered: "Thank you, thank you, thank you!  You saved our lives!  Thank you!  We will never forget you!  What you did for us is the best th... 10/05/2007

Maybe it's because my father had a PhD in Economics, and made statistics and reading patterns rendered by numbers into a game I enjoyed playing as a kid, maybe it's intuitive deduction; whatever the reason, numbers speak to me and always have.  In 2004 and 2005, I understood that supply and demand created unnaturally high pricing on our oceanfront condos, and I was among the first ones to service a long stream of "flippers", as I called them, investors who bought low and sold high.  I've made them amazing returns.  What a feast that was...  In 2006 I recognized a new pattern I call "the Paralysis" period.   During this period, you will find lots of listings and few, or no sales.   This paralysis period can last months, or even years, but one thing is for sure:  immediately following thi... 10/04/2007

Summer Place, an oceanfront condo project in Cherry Grove Beach, SC, had a mechanics lien filed against it. No transactions could close because of this mechanics lien (Seller could not pass "marketable title" because of this, a condition mentioned within our SC contract) May, 2005.Solution:The HOA can put up a bond of one and one third the amount of the mechanics lien filed, and this would clear the liens, and the transactions for any units in the project could move forward and close. Your Myrtle Beach Real Estate Connection, Mirela Montewww.MyrtleBeachHomes.US  10/04/2007

Real Estate Agents in La-La Land...As agents, we can't create the market, but if we are smart, if we are good agents, we can understand the market and service our clients well by telling them the truth. The truth is: we have over 22,000 active listings in the Myrtle Beach Market. Our third quarter statistics are dismal at best: only 9% of available condos have sold in the past quarter, only 18% of the homes and 5% of the lots available have sold in our area during the past three months. July, August and September are typically red hot months for sales in this Mecca of vacation homes and investment properties. These disheartening figures may signal a more severe trend yet...What favors are we doing our sellers by telling them what they want to hear? What good does it do to price these li... 10/02/2007

Now that interest rates are dropping, folks are now buying again here in Myrtle Beach South Carolina area. No need to wait to see if prices are gonna fall a whole lot more, when prices are already fantastic here. There are certainly a boat load of listing on the market in our area, but homes are starting to move. Don't be left out in the cold.   Feel free to contact me via email info@myrtlebeachhomeandloan.com Chris Webster Island Palms Realty 1091 Redi Mix Road Ste C Little River, SC 29566 Cell Phone: (843) 450-1915                http://www.myrtlebeachhomeandloan.com    http://www.myrtlebeachhomeandland.com    http://www.islandpalmsrealty.com     09/30/2007

Every year 1,000's of visitors come to Grand Strand to visit and attend the Sun fun festivities. 2007 will be just a little different. Come join the celebration! For more info , go to one of these websites. Sun Fun Festival  or Myrtle Beach Info . Check out some of the events like Miss Bikini Wahine , Miss Sun Fun Teen USA, Miss Sun Fun USA and many celebrities. Get autographs from your favorite celebrity. Join in the fun by entering one of many contests. Don't forget your tanning lotion, swim wear and sunglasses. While your here, visit some of our local attractions like Ripley's Aquarium, Ripley's Haunted Adventure, Ripley's Believe it or not, Broadway at the beach, House of Blues,Myrtle Waves,Family Kingdom or many other favorites.     Feel free to contact me via email info@myrtlebea... 05/01/2007

Now is still a great time to sell your property if your Realtor gives you a CMA or comparative market analysis. I do all my homework before I just throw out a price you just want to hear. I will tell you if it is your best interest to sell or not. I am not in the business, just for another listing. I am in the business to sell your home. If you are thinking of selling, please give me the opportunity to help you in the process of properly pricing to sell. Feel free to contact me via email info@myrtlebeachhomeandloan.com Chris Webster Island Palms Realty 1091 Redi Mix Road Ste C Little River, SC 29566 Cell Phone: (843) 450-1915                http://www.myrtlebeachhomeandloan.com    http://www.myrtlebeachhomeandland.com    http://www.islandpalmsrealty.com 04/29/2007

Well that depends on whether you're planning to be here for 6months,12months or longer. It also depends on how much your earnings are. Credit plays a big factors as well. Choosing a good lender and shopping for the best interest rate are also big key factors in determining whether or not you can afford to buy or just keep renting. I will never put a client in a home that they are going to be strapped down. My clients are not just another sale . I turn my folks from prospects to client, from clients to friends. If can't have this attitude toward your people, then I pity you. In this world and especially this business, you can NEVER have enough friends. If you would like a free Rent vs. Buying analysis, please contact me. You are under no obligation to purchase anything!   Feel free to co... 04/12/2007

As we all know there are tons of condos for sale on the market in the Myrtle Beach South Carolina area. We all have seen the typical condo, haven't we? I see all the outdated units out there all the time. I always suggest to the seller, if they have the room in the price to fix unit to TURN-KEY condition. People tend to want that new feeling. I start with paint, not too dark or too bold. I then go the carpet, not too light or too dark. Also suggest berber in our area due to sand. I then look at light fixtures, if dated I tell that they can get nice fixtures that are very inexpensive, but look nice. Not the builders lights. I then look at appliances, if they match or not. If dated I suggest to update all of them. If seller(s) can afford stainless, I highly suggest in most homes. Bathroom... 04/11/2007

Too many Realtors do not have their clients or prospects sign agency. The next thing you know, you get an email or call saying, we already bought. I had several showings set up for a perspective client  starting @ 10:00 am one morning. I waited and waited, then I called about 10:30 am and this guy says, we stopped at a home on the way and already bought. I had asked them were they working with another Realtor from my 1st point of contact and they said,NO. I think that we need to not get hung up on things like this. I just suck it up and go on. I'm a better person than that.This helps make room for the next one. Feel free to contact me via email info@myrtlebeachhomeandloan.com Chris Webster Island Palms Realty 1091 Redi Mix Road Ste C Little River, SC 29566 Cell Phone: (843) 450-1915    ... 04/11/2007

First off, Welcome.At this time I'd like you to know that I will be giving you a summary and or my insights as to what is going on here in the southeast concerning our real estate market here in the Myrtle Beach area and would like to assist you in any way I can. That said, I will be posting frequently to better educate my viewers of this area. As some of you are aware great things are happening here at the beach. We have many projects underway and many that will be following promptly. Activity in our market seems to be looking great here in the early month of January and one would assume to expect great opportunities for 2007! I have helpful links on the bottom of the page that you might find educational if you would like more information at this time. For now, I would like you to know... 01/10/2007