Charlotte’s Relocation Information

When it comes to making a move in the greater Charleston area, it just makes sense to turn to a real estate professional who cares about your needs and will go the extra mile to meet them.

As a real estate professional, Charlotte Lemon has dedicated herself know everything she can about relocating to, from and within the greater Charleston area. Those who work with Charlotte appreciate knowing the purchase of their new home is in the hands of  a capable and trustworthy Realtor.

My Promise of Performance to You

  • I will be 100% loyal to you 100% of the time.
  • I will protect and promote your best interests.
  • I will be on your side and negotiate the best possible price and terms I can for you.
  • I will keep confidential any personal and financial information which could adversely affect your bargaining positioning.
  • I will provide you with the best advice so that you can make informed choices and sound decisions.
  • I will assist you through the entire transaction, representing your best interest when shopping for the right mortgage loan, insurance policy, and any other ancillary service you may require.
  • I will always be your advocate.

As your real estate agent I guarantee I will:

  • Never represent the Seller.
  • Never accept any type of kickback, fee, or gift and never profit individually, or as a firm, from any mortgage provider, title insurance company, attorney, inspector, or other real estate related service provider that is involved in your transaction.

I look forward to working with you and being your advocate through your home buying process.

Charleston Area Information

Charleston is an area that is rich in both history and unique culture which blends West African, traditional southern American and French elements. Originally built on a peninsula of land that divides the Ashley and Cooper Rivers, the metropolitan area now sprawls into the three counties of Charleston, Berkeley and Dorchester. The natural beauty of the Greater Charleston area is magnificent with beaches and wonderful county parks to visit and explore.

why-circleThe city of Charleston itself is known as The Holy City due to the prominence of churches on the low-rise cityscape, particularly the numerous steeples which dot the city’s skyline, and for the fact that it was the only city in the original thirteen colonies to provide religious tolerance to the French Huguenot Church. In fact, Charleston is still the only city in the U.S. with such a church. Another draw to the Charleston area is the delightful people and their inviting southern hospitality. America’s most-published etiquette expert, Marjabelle Young Stewart, has recognized the city since 1995 as the “best-mannered” city in the U.S. The city of Charleston has also been voted the best city to visit by Conde’ Naste multiple times.

To learn more about Charleston area schools, taxes and other relocation information, click here or the The Real Buyer’s Agent logo. You will find additional, helpful resources on my company site.

Ten Steps to Home Ownership

Are You Ready?
In addition to a down payment, you also need cash for closing costs.  Find out how much you have and how much you will need.  Several Loan programs help with these costs.  You may also be able to make this a negotiating point in the offer you put on a property.

Hire A Buyer’s Agent:
Be sure you’re working with a true professional and someone you feel comfortable dealing with.  A Buyer’s Agent insures you are being fully represented in a transaction.

Get A Loan Pre-Approval:
The real issue with real estate financing is not getting a loan, but to get the loan that’s right for you.  Meet with lenders to find out how much you can afford and find out which programs are available.

Look At Homes:
Before you look, list the features and benefits you want in a home.  Consider pricing, location, size, layout and extras.  Decide what’s most important and how much you’re willing to compromise.

Choose A Home:
Review your notes to narrow down the choices.  When you find the home of your dreams, your Buyer’s Agent, can help you be sure it is a good fit for you and your family.  It is also a part of your Buyer’s Agent job to help you consider all of the pros and cons of the property including its future resell value.

Get Funding:
The mortgage you choose will be determined by how much down payment you can afford, your credit rating, and your income.  Shop around with mortgage brokers, banks, credit unions, and insurance companies to fin the financing that works for you.

Make An Offer:
An offer is more than the price you’re willing to pay.  It also includes the terms and timeline of the agreement. Sellers may accept the offer, reject it or make a counter-offer.

Get An Insurance:
Shop around for title insurance, homeowner’s insurance, flood insurance, and a home warranty.  Ask your Buyer’s Agent which of these are required for your new home.

This is the official meeting where the transaction happens.  A closing attorney or a title insurance company, depending on which state the property is closing in, will make sure all of the required paperwork is complete. Then it’s official.  You get your new keys and the seller is paid for the home.

What’s Next:
While you’re moving in, transferring utilities to your name, and checking out the neighborhood, be sure to enjoy your new home!

Additional information and resources may be found on The Real Buyer’s Agent website.