Prosperity Home Mortgage

Our Preferred Lenders

Christine Pettigrew
Christine Pettigrew
Realtor® License ID: 95180

+1(843) 276-7976

824 Johnnie Dodds Blvd, Pleasant, SC 29464

https://MoreThanJustTheSale.com

More Than Just The Sale!  If you ask my clients, they will tell you I'm more than just about helping them buy or sell a property.  I truly care about them and I go the extra mile to help them with every step in the process.  I have a specific marketing strategy for selling homes to get the quickest and best price possible.  My attention to detail, responsiveness, and genuine care are what my clients love about me!  I thoroughly enjoy helping people.
I send out a fun weekly email every Friday with weekend Charleston events and weather, real estate news and tips, highlights of interesting businesses or places, and much more! Sign up here:  More Than Just The Weekly Report
 
After living in North Carolina, my husband Terry and I visited Charleston several years ago.  We, like so many others, totally fell in love with the area and are now living the dream in Mount Pleasant.  I enjoy going to the beach, walking our rescue dog Buster, dolphin watching at Shem Creek, and eating lowcountry seafood at all the fabulous Charleston restaurants.  
To connect with me on my Facebook or Instagram pages, search #morethanjustthesale #sellwithchristine or #buywithchristine as well as the links below:
Facebook @christinepettigrewrealestateagent
Instagram  @christinerealestateagent

Let's sell your home the right way, or let's go find your dream home!
 

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.

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