If you’re gearing up to buy a home you might be confused by some of the mortgage terminology you encounter, such as pre-qualified or pre-approved. You have a vague idea that at some point in your journey, you’re probably going to need at least one of them. But what exactly are they? What’s the difference between them? And is one stronger than the other? 

Let’s lay it all out.

What Is A Pre-Qualification?

A mortgage pre-qualification is an estimate of your ability to borrow money. It’s a shortcut for lenders and buyers to assess whether your mortgage will be approved. The five questions in a first time home buyers pre-qualification:

  1. Where do you live now and what is your rent?

  2. What is your annual household income?

  3. …

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Feeling overwhelmed at the idea of preparing a Thanksgiving dinner this year? Luckily, Hilton Head Island and Bluffton, South Carolina have a wide variety of delicious restaurants that are ready to ease your burden with Thanksgiving dine-in and take-out options you and your family and friends will love!

Michael Anthony’s Cucina Italiana: While it is primarily known for its Italian cuisine, Micheal Anthony’s offers a special Thanksgiving menu that incorporates Italian flavors with traditional dishes.

Poseidon Coastal Cuisine: Located in Shelter Cove, this option will combine traditional Thanksgivng dishes, fresh seafood options with stunning marsh views.

Hewitt Oaks *Pick-Up Option: This local wedding venue and restaurant features the…

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Did you go overboard with the amount of Halloween candy you purchased for potential trick-or-treaters? Did your kids hit the ultimate jackpot and you need to repurpose some of the goofs before they overdose on sugar? No worries, we have some creative uses for leftover Halloween candy.

Candy Buy-Back Programs:

Check your local dentists for buy-back programs or events in which you and your kids can bring extra Halloween candy to participate. Local Bluffton Pediatric dentists have been known to host events like this that include bounce houses, live music, local food trucks vendors and more. All you need is at least one pound of candy for free entry!

Donate to Troops:

Operation Gratitude and Soldier's Angels are examples of programs that…

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How do you get an offer accepted on a house in a competitive real estate market? It’s the number one question for homebuyers competing against other offers. Real estate agents scramble to figure out how to win against multiple offers and get their clients that dream home. The pressure builds when housing inventory levels are low.

How can you compete in a hot seller’s market?

It may be tough, but with some inside information, it is possible.

To help you out, we’ve compiled some tips for getting sellers to accept your offer, even in a multiple-offer situation. We’ll cover what to include when you make the offer, as well as strategies for making your offer stand out.

These tips will make buying a house seem like a reachable goal rather than…

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Real estate is a constant game of ebb & flow, potential buyers are often hesitant to make a move, particularly in our scenic locales of Hilton Head Island and Bluffton, South Carolina. Currently, this hesitancy is fueled by a “wait-and-see' approach powered by rising interest rates and volatile world events. However, this strategy could be counterintuitive due to the ongoing potential for home price appreciation in the Lowcountry. Unlike other coastal areas along the East Coast that have seen high prices for years, the Lowcountry still has the potential to appreciate. Standing on the sidelines is going to make you kick yourself as soon as rates begin to soften this Spring. Understanding the dynamics at play is crucial for making an informed decision.

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The Hidden Costs of Homeownership: What You Need to Know

Purchasing a home is an exciting milestone in life, often seen as a symbol of financial stability and personal achievement. However, it's essential to recognize that homeownership comes with more than just a down payment and mortgage. 

Beyond the purchase price, there are numerous hidden costs associated with owning a home. Being financially prepared for these expenses is crucial for a smooth homeownership journey. We'll shed light on some of the most common hidden costs you should be aware of.

I. Property Taxes

Property taxes are a significant but often overlooked aspect of homeownership. They are recurring expenses that homeowners must pay to their local government, typically on an…

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Home Safety and Security: Protecting Your Haven

Your home is more than just a place to live; it's your sanctuary, where you and your loved ones should always feel safe. Ensuring the security of your home is paramount for peace of mind and the well-being of your family. 


We'll explore various aspects of home safety and security, from choosing a safe neighborhood to utilizing advanced smart home technology. Let's dive into the essential tips and strategies for safeguarding your haven.


1. Neighborhood Safety


Before you even set foot in your potential new home, it's crucial to consider the safety of the neighborhood. Researching crime rates and safety statistics can provide valuable insights. Here are some tips:


 

Online…

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Photo from Facebook: The Bank 

"The Bank" - Hilton Head's Premier Beer Garden

Nestled in the heart of Hilton Head, South Carolina, a hidden gem with a storied past awaits your discovery. Allow us to introduce you to "The Bank," Hilton Head's beloved beer garden that not only offers a fantastic selection of craft beers and delicious food but also immerses you in the history of this charming community.

A Glimpse into the Past

"The Bank" derives its name from its fascinating history. This historic building served as a Bank of America. The old vault door, now a centerpiece of the beer garden, is a constant reminder of the site's heritage.


Stepping into "The Bank," your eyes are immediately drawn to the relics from its banking days. It…

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Home renovation and improvement projects offer not only the opportunity to customize your living space to your tastes and needs but also the potential to increase the value of your property. Whether you're considering small upgrades or major overhauls, understanding the process, costs, and potential benefits is essential. Here's a comprehensive guide to help you navigate the world of home renovation and improvement:

1. Assess Your Needs and Goals

Before embarking on any renovation project, it's important to identify your goals. Are you renovating to enhance your own comfort and enjoyment, or with an eye toward increasing your property's resale value? Understanding your objectives will guide your decision-making throughout the process.

2.…

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Buying your first home is an exciting milestone, but it can also be a bit overwhelming if you're not prepared. To help you navigate this journey with confidence, we've compiled a list of essential tips for first-time homebuyers. Whether you're just starting to think about purchasing a home or you're already in the midst of the process, these insights can make a significant difference in your experience.

1. Establish a Realistic Budget

Before you start looking at homes, it's crucial to determine how much you can afford. Create a budget that includes not only the cost of the house but also property taxes, insurance, utilities, and potential maintenance expenses. Getting pre-approved for a mortgage can give you a clearer picture of your budget and…

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