Monday, April 19, 2010

Sunchaser - Mt Pleasant SC New Construction - Dan Ryan Builders - New Neighborhood

Dan Ryan Builders is announcing a new construction home development in Mount Pleasant South Carolina. The new community, Sunchaser will be located off of Hwy 41 and minutes to highway 17 . There will be only 16 lots. New Homes to be built will be single family, 2 car garage homes ranging from 1500 sq. ft to 3000 sq. ft. Prices will start in the high $190’s.

This community will be located within 5 miles to Oakland Plantation shopping including a Kolhs and Super Wal-Mart. Dunes West, Park West, Planters Pointe, Rivertowne are some of the neighborhoods nearby. Also, a brand new Harris Teeter and Roper St. Francis Hospital are being built minutes away.

Not only are all the restaurants convenient, including Mello Mushroom, TGIF Fridays and rumor has it PF Changs, but the beach is only 15 minutes away. Historic downtown Charleston is a 15 minute drive over the Ravenel Bridge.

Sunchaser is also zoned to Mount Pleasant's excellent school system. Wando High School is also 5 minutes away.

We don’t expect this property to last long so please if your interested we encourage you to contact us for more information.

Thursday, February 5, 2009

New on Market

Your preferred REALTOR® has prepared a report for you which includes all of the properties in the list below. Click the button at the right to view the report.

2903433 431 Island Park Dr, Charleston, SC New $3,195,000
2903444 1701 Sailmaker St, Charleston, SC New $505,699
2903447 1706 Sailmaker St, Charleston, SC New $538,090
2903448 1709 Sailmaker St, Charleston, SC New $483,365
2903479 230 E Edgefield Dr, Summerville, SC New $139,990
2903496 8181 Ronda Dr, North Charleston, SC New $219,334
2903506 48 Bull St Unit# C, Charleston, SC New $899,000

Wednesday, February 4, 2009

New Construction Homes For Sale 2/4/09

Your preferred REALTOR® has prepared a report for you which includes all of the properties in the list below. Click the button at the right to view the report.

2903397 211 Mazyck Greens Ct, Goose Creek, SC New $191,990
2903410 1758 Jervey Avenue, Charleston, SC New $179,900

Saturday, November 1, 2008

Carnes Township in Berekely county South Carolina

Carnes Township being developed by Daniel Island Company is a “sister community” to Daniel Island. The developer is building this master planned community on over 2,000 acres and they are planning on a downtown area called Carnes Crossroads. The downtown area will include shops, restaurants, medical services and office buildings. Roper St. Francis Health care plans on building a medical Facility in the community. Anchored by a 48,756 square foot Harris Teeter grocery store (the first for this area of Charleston), the center will feature 60,000 square feet of specialty shops and restaurants, 25,000 square feet of office space. Northwood Assembly and Northwood Academy will make 60 acres of land home to a church, schools, daycare center and administrative offices.

The homes will be single-family residences, home sites, town homes and condominiums, as many as 15,000 people will eventually make Carnes. Building will begin in 2009. The neighborhood will have porches, sidewalks connecting each area for a true community feel. The first phase will be St James and St Thomas Park.

Contact Creaturo and Associates for more information.

Myers Mill Neighborhood Real Estate in Summerville SC

One of the least expensive communities in Summerville is Myers Mill. Myers Mill is in a up and coming area of Knightsville. Myers Mill is also in desirable Dorchester 2 schools. A Brand new Publix grocery store recently opened and a new Walgreens and McDonalds are currently being built in the area. Myers Mill has a nice olympic sized pool, ponds, play park, walking trails and a community center for the residence. The pool has water park style for the kids. There are several builders currently building new homes. The new construction homes are in the 130K to 260. The builders who are currently building are Eastwood Homes, Ryland Homes and Keystone Builders.

Keystone Builders, a home builder with over 30 years of experience, is currently building brick front larger 4 and 5 bedrooms homes in the 2500-3500 square feet range. They are building formal living and dining rooms, hardwood floors, huge master suites, gourmet kitchens and gas fireplaces. The are building eight different two story floor plans. Prices are currently 210K to 260K.

Eastwood Homes a new home builder who builds in the Carolinas, is also building homes in Myers Mill. Eastwood Homes is building 7 different floor plans. The plans are three and four bedroom floor plans and prices range from 138K to 187K. The are all two story floor plans. The square feet range from 1156-2182.

Ryland Homes a national builder is currently building two different series of homes. The estate series have 1/4 acre lots and all homes include front entry double garages and options to customize your home with a screened porch, sun room, extra bathroom or additional square footage. There are seven floor plans to choose from. One and two stories with 1700 to 2800 square feet. In the village series there are ten floor plans to choose from. Prices are from 158K to 212K and the square feet are 1381-3075. The lots are very spacious at 1/4 acres.

View all Myers Mill Homes for sale on Charleston's MLS.

Thursday, October 23, 2008

Thursday, October 16, 2008

What is a planned community in the Charleston SC Area???

By Creaturo & Associates of Century 21 in Charleston
A planned community is a development that usually consist of multiple builders, different types of properties and price ranges. Some of the better planned communities have shopping, professional offices, schools and restaurants with in the community. The Charleston area has several planned communities. Park West, Planters Pointe, Hamlin Plantation and Dunes West are all currently in Mount Pleasant. Carolina Park will be the next master planned community in the Mount Pleasant area. The design is to mix recreation, shopping, education and work in a beautiful park setting. All homes will be connected with walking trails through out the community and there will be many green space areas. A new library, new shopping and a business park area will be an exciting addition to the area.
Everyone is anticipating more exciting news about the development to come in the future.
Contact Creaturo and Associates of Century 21 Properties Plus for more information.

Cambridge Commons - Park West Luxury Condo's - Mt Pleasant SC Real Estate

BY Century 21 Properties Plus - Creaturo & Associates

Cambridge Commons are luxury homes right in the heart of Mount Pleasant's Park West community. Cambridge Commons is new construction built and designed by Peccini Architecture. With low maintenance living it's the perfect address for a retirement or second home in Charleston South Carolina.
There are several floor plans to choose from.
All units include interior features such as 10' ceilings upstairs and down, 8' solid core interior and exterior doors, high end Pella Architectural series windows, upgraded trim package throughout, granite counter tops in kitchen and baths, Stainless steel GE Monogram appliances including professional hood with utensil rack, High Point cabinetry in kitchen, beautiful hardwoods varying in each unit, baths and laundry feature custom tile floors and back splash, recessed lighting and no expense spared on hardware and fixtures throughout home. There is a private courtyard with a potting/storage shed which has electricity, in the rear of each unit as well as two designated parking spaces for your absolute ease of living. Each home includes Trane HVAC systems.
The prices were recently reduced so all units are in the 300K. The builder is currently offering huge incentives. Contact Creaturo and Associates for more information. Home owners will enjoy all the amenities that Park West has to offer.

View all Cambridge Commons properties on MLS.

Thursday, September 18, 2008

The Colony at Heron Reserve - West Ashley - Charleston New Construction

By Creaturo & Associates of Century 21 Properties Plus
The Colony at Heron Reserve is a new construction community conveniently located in West Ashley. Only four minutes from 526, you can reach all areas of Charleston within 30 minutes. Unlike most condo conversions, this is a brand new built town home and Condominium community.

Some of the Features include: 7 floor plans to choose from 2-3 bedrooms Nine foot smooth ceilings Fully equipped kitchen with GE appliances ceramic Tile and back splash in kitchen high impact glass windows and sprinkler system pre-wired for high speed Internet ceramic tile entry and bathrooms select units have screen porches/attached garages/vaulted ceilings Hardiplank sound treatment between windows and doors double party wall insulation Amenities Fireplace, Outdoor Grill, Dog Park, Gated Community, and much more. Current Incentives include 5,000 Towards Closing Costs and/or Prepaids, Must Use Preferred Lender and Attorney. Call Creaturo and Associates 843-709-8087 for details. The HOA fee covers ALL Landscaping, Irrigation, Exterior Maintenance,Termite Bond and Annual Renewal,Pet Park, Club House, Pool, Outdoor Grill and Fire Pit area, Security Gates, Pest Control, Dumpster Maintenance and Trash Pick Up, and Upkeep of all Roads and Mailbox Kiosk. All this for $209 a month Click to view all Current properties for sale in The Colony at Heron Reserve. SEARCH CHARLESTON REAL ESTATE

Friday, August 29, 2008

Drakesborough neighborhood in Summerville SC

Beazer Homes, a national home builder, has broken ground in a new neighborhood in Summerville South Carolina. Drakesborough is a new community located in Summerville's Dorchester 2 school district. Even though Drakesborough is one of the lowest priced new home communities in Summerville, Beazers building quality is still top notch. With nine floor plans to choose from and prices starting in the 120K, Drakesborough has a floor plan designed for everyone. Floor plans range from 1300-2700 square feet and there are one and two story homes available. All floor plans have garages. There are over 400 home sites  in the master plan.  These SMARTDESIGN homes feature large, luxurious master suites, trusted GE, Carrier, and Moen products, and expertly organized kitchens that are a chef's delight. From energy efficiency to long lasting DuraPermTM materials, consideration is given to every detail to create homes that offer a higher measure of excellence. The SMARTDESIGN building technique includes building homes that are eco friendly, well made, livable and organized for the way we live today. Currently there are spec homes available for quick move in or you can build a home to suit your style with a 6 month build time.
The community is  close to several shopping centers and historic Summerville downtown shopping is less than 7 miles away. Northwoods Mall is less than 15 miles away. Currently there are no planned amenities in the neighborhood, however Summerville has several swim clubs and YMCA's that a resident can join.
Century 21 Porperties Plus

Monday, August 25, 2008

Charleston SC Mortgage Guidelines - Real Estate


Do all loans have prepayment penalties?

Not all loans have prepayment penalties, meaning you have the ability to prepay your loan and refinance if rates fall. If a loan program with a prepayment penalty is offered to you, you will also be offered the same loan without a prepayment penalty so you can compare rates and decide which option is best for you.

Do I have to have an impound/escrow account for the payment of my taxes and insurance?
You are not required to have an impound/escrow account unless the lnder program specifies it. Electing not to have an impound/escrow account will increase loan points by .25.

If my loan requires Private Mortgage Insurance (PMI), when can I have it removed?
On a 1-unit primary residence or second home, federal regulations require that PMI be automatically cancelled when your loan balance reaches 78% of the original property value at the time the loan was secured.

Depending on the loan program, you may be able to request in writing that PMI be removed sooner, based on an increase in the property value as determined by a new appraisal to be ordered by the servicer. Generally, PMI must have been in place for at least two years and you must have a good payment history for PMI to be cancelled under this scenario.

When is paying off my current second mortgage considered cash out?
If your current second mortgage was not obtained in conjunction with purchasing your home, then paying it off with a new mortgage is considered cash out.


What is a Three Day Right to Cancel?
On refinance transactions, Federal law mandates that you have three days, after signing your loan documents, in which to cancel your loan. This three day period includes Saturdays, but excludes Sundays and holidays. Your loan will not be funded until this period has expired.

What is a FICO score?
A FICO score is computed based upon a statistical analysis of your credit history and patterns.

What are loan points?
Points are paid to reduce the interest rate you pay on a loan. Each loan "point" is equal to one percent of the loan amount. Your decision on whether or not to pay points depends on how long you plan to keep the loan, your tax situation, and other factors.

Are loan points tax deductible?
For most taxpayers, points paid on purchase loan transactions are tax deductible in the year the home is purchased and points paid on refinance transactions are tax deductible over the life of the loan. Tax consequences vary depending on the specifics of the transaction and the taxpayer. We encourage you to consult your tax advisor regarding your tax situation.

What are loan fees?
Loan fees are fees paid in conjunction with closing a mortgage loan. There are other fees paid to third parties such as Appraisal, Escrow and Title Insurance. Your Good Faith Estimate (GFE) of Closing Costs will itemize all fees.

What is PMI?
Private Mortgage Insurance is charged on loan amounts exceeding 80% of the purchase price or appraised value of a home. The mortgage insurance protects the lender against loan default.

What is the difference between a conforming loan and a jumbo loan?
A conforming loan is one that is less than the maximum loan amounts set by Fannie Mae and Freddie Mac. Jumbo loans are loans which exceed these limits. The loan amounts are revised each year to reflect the change in the national average cost of a home. The current conforming loan amount limit for a Single Family Home or Condo is a loan amount under $417,000. Anything over that is considered a jumbo loan.

What is prepaid interest?
Prepaid interest is paid at the time of closing of your loan to cover the interest that will accrue on your new loan for the remaining days of the month.

What is the difference between the rate and the APR?
The note rate is used to calculate your interest payment each month. The APR (Annual Percentage Rate) is a calculation based on standardized federal regulations. In addition to the interest rate, it factors in other finance charges such as certain loan fees, to show the total cost of the financing over the scheduled life of the loan. The APR is designed to help borrowers fairly compare different lenders and loan options. Please note that the loan amount will influence the APR calculation, with higher loan amounts reporting lower APR calculations. To get a true comparison, the same loan amount must be used.

How is APR calculated?
Federal regulations define Annual Percentage Rate (APR) as the total cost of your credit calculated as an annual rate. The APR will almost always be higher than the Interest Rate (with some exceptions on ARM loans). For purposes of the APR calculation, points, lender fees and prepaid interest amounts collected at closing are known as "Prepaid Finance Charges." The Loan Amount minus the Prepaid Finance Charges is known as the "Amount Financed." On a fixed rate loan, the APR can be calculated using a simple financial calculator. By inputting the Loan Amount, Term and Interest Rate, one can solve for the Monthly Payment. By then inputting the Amount Financed, Term and Monthly Payment, one can solve for the APR. For example, on a $100,000 Loan Amount, a 30-year Term and a 5% Note Rate, the Monthly Payment is calculated at $536.82 (principal and interest). Assuming $2,000 in Prepaid Finance Charges, using the $98,000 Amount Financed, same 30-year Term and same Monthly Payment of $536.82, the APR is calculated at 5.178%. So, the 5.178% APR is the cost of your credit based on the $98,000 Amount Financed and the 5% Interest Rate is the actual interest rate to be paid on the Loan Amount of $100,000. By law, lenders are required to disclose both Interest Rate and APR to you.

What is a subordination agreement?
A subordination agreement is a document prepared by a second mortgage lender agreeing to remain in second position when a first mortgage is refinanced. Without such an agreement, the second mortgage holder would move into a first lien position when the existing first mortgage was paid off. The second mortgage lender usually charges a fee to process the subordination agreement, which is incurred by the borrower. Additionally, this process often increases the amount of time necessary to process a first mortgage refinance transaction, potentially jeopardizing a borrower’s lock.

What is Title Insurance?
Title insurance protects you and your mortgage lender by insuring that no individual or government entity has any right, lien, claim or encumbrance to your property. Once a title policy is issued, if any claim which is covered under the title policy is ever filed against your property, the title company will pay the legal fee involved in defense of your rights, as well as any covered loss arising from a valid claim.


How can I obtain a Free Credit Report?
The Fair and Accurate Credit Transaction Act of 2003 (FACTA) provides that every consumer is entitled to a free credit report every 12 months from each of the three national repositories: Equifax, TransUnion and Experian. Customers may obtain their personal credit report through the following website:

How do I dispute an item on my credit report?
You must contact the credit agencies directly and dispute the reported item. Following is the information on how to contact the agencies:

Transunion Consumer Relations
P.O. Box 1000
Chester, PA 19022

Equifax Consumer Relations
P.O. Box 105873
Atlanta, GA 30348

Experian Consumer Relations
P.O. Box 2002
Allen, TX 75013


What is a Piggy-Back Loan?
One of our most popular programs for purchasing a home is our Piggy-Back loan program. With this financing structure, an 80% 1st Mortgage and a 10%, 15% or 20% 2nd Mortgage are closed concurrently, eliminating the need for Private Mortgage Insurance (PMI).

If I am receiving a home equity line of credit, how do I receive my funds on it?
You may take an initial draw through the loan closing or you will receive a set of credit line checks after the loan closes.

Is the interest on a home equity loan or home equity line of credit tax deductible?
In most cases, the interest paid on your home equity loan or home equity line of credit will be tax deductible up to 100% of the value of your home. There are some restrictions, so you should consult your tax advisor regarding your particular situation.

Summerville Subdivision Branch Creek - Sabal Homes

Sabal Homes, a local builder based out of Mount Pleasant SC, has just releases 116 homesites in Branch Creek Subdivision. Branch Creek is located in Summerville just off of Berlin G Myers Parkway and Highway 78. To make the neighborhood special, Sabal Homes created eight new floorplans to choose from. The models range between $269,900-$332,900 and have 2,126-3,480 square feet of living space. All models have two stories, two car garage's and 3 or 4 bedrooms. Sabal Homes has included fully sodded yards, stainless appliances, 9 foot first floor ceilings, 42 inch kitchen cabinets, and smooth ceilings as standard features. They also are building "green" energy star homes.
Branch Creek is 25 miles from Downtown Charleston and the beaches.

Friday, July 4, 2008

Happy 4th of July From Charleston SC

We want to wish everybody a Happy & Safe Fourth of July From Charleston South Carolina. Wish You Were Here.

Thursday, May 29, 2008

Schumacher Homes - Custom Home Builder - Charleston SC

In the past 15 years, Schumacher Homes has been building custom homes around the country. Schumcher Homes has won awards for their value, design and custom home construction. With over 5,000 homes built, Shumacher Homes seems to has a high standard of home building that works. The family business, builds custom homes on your home-site. They have many plans to choose from and they can alter their plans to fit your new home needs.

In Charleston, Schumacher is building two different collections with several floor plans to choose from. The Classic Collection features homes with up to 3,400 and the

Estate Collection has homes from 3,000-8,000 square feet. Schumacher homes has a revolutionary way to do their pricing for their homes. Schumacher Homes has developed an industry-leading, state-of-the-art price quote program for pricing your new home. At your No-Obligation Price Quote, They will individually itemize more than 200 standard and optional features so you know where every dollar is spent. Then you will receive a copy of the quote showing all pricing, descriptions, and pictures of your selections and your monthly payment so there are no surprises.

So now that you have fund a custom builder in the Charleston SC area, all you have to do if is find the perfect home site to build your dream home on. View all Vacant Land on Charleston SC MLS.

Wednesday, May 28, 2008

David Weekley Homes - Charleston New Construction

In 1976, David Weekley Homes began building homes with superior construction and customer's wants and needs in mind. Ten years later, David Weekley Homes has won hundreds of awards for home building excellence, including "National Builder of the Year." "National Housing Quality Award" and "America's Best Builder." Now, David Weekley Homes builds in 18 cities from Colorado to the Carolina's and is the third largest privately-held builder in America. They have been listed in FORTUNE Magazine's list of "100 Best Companies to Work For" six times.
David Weekely Homes has created a design strategy called LifeDesign, that according to the company "blends the fundamentals of design, architecture, engineering, physics, psychology, and sociology to create a home that looks better- and lives better- than all the rest."
In the Charleston, SC area, David Weekley Homes has several new home communities that they are currently involved in as well as many they have completed. On Daniel Island, There are homes integrated into the community. Daniel Island has alot to offer a new home owner including 23 miles of shoreline, walking and biking trails, parks and natural areas as well as golf and a state of the art amenity center. With plans starting in the 450,000, David weekley offers you many options of new homes on Daniel Island. In the West Ashley section of Charleston, David Weekley is one of the builders in Carolina Bay. Salt Grass at Carolina Bay, with homes starting in the 274,000 and up, living space starting at 1855 sq ft is a friendly neighborhood with unspoiled low country beauty. In Summerville, SC David Weekley is currently building in three different subdivisions. Legend Oaks a gold course community, has new homes starting in the 278,000 with 2113-2789 sq ft of living space. The Bluffs at the Ashley River start in the mid 250,000 with 1596-2602 sq ft. This neighborhood is currently zoned in the highly rated Dorchestor 2 school district. David Weekley's newest community is in The Ponds. Located in Summerville in Dorchester County, this Ponds offers hundred-year-old live oaks, well-defined nature trails, and a taste of the good life. David Weekley Homes in the Ponds will start in the 389,000 with 2136-2707 sq feet. This new neighborhood has over 60 miles of sidewalks and walking trails, 11 acres of multi purpose fields and a huge pool.
Whatever David Weekley community you choose you can be sure you will find quality construction, excellent customer service and a floor plan to fit your family's lifestyle.

Tuesday, May 27, 2008

Good Faith Mortgage - Gary Gugliotti - Charleston SC Lender

My name is Gary Gugliotti. I am originally from Harwinton Connecticut, but I have been calling Charleston my home for about 13 years now. I am married and a father of two, a wonderful girl 14 and a fantastic son aged 8. I am a mortgage professional with Good Faith Mortgage. I like to approach every loan that I do as if it were going to be my loan. I take the time to understand what my clients want, and I try to help them achieve that. But I won’t put them in loans that are going to be bad for them, and be too much for them to handle every month. Sometimes borrowers don’t want to hear that they should be looking for a lower priced house, but I think they appreciate it in the long run.

Look at what is happening around the country right now. People are losing their homes because they can’t afford to pay for their mortgages. Why? Well certainly you have to put some blame on the lenders, they came up with quite a few programs designed to put people in homes that maybe they shouldn’t have been able to purchase to begin with. You also have to lay blame on mortgage brokers who sold products to people that were clearly not good for them. Often times mortgage brokers put their needs ahead of their clients, and that is totally unacceptable. And you have to lay blame on the borrower’s themselves. Many times people want bigger and better, hey it’s human nature. But you need to be realistic. If you make $35,000 a year and are financing $400,000 with an adjustable rate---It’s probably not going to end well.

That’s why if you are in the market for a mortgage you need to have confidence in your mortgage professional. Make sure they are working for your best interests, not theirs. I know that this is the type of business I am running and it shows. Even in a real estate slowdown our company is still doing a good bit of business. Why? Because people trust us. They come back time and time again, and what’s more they refer their friends, family, and neighbors. For me the mortgage business is all about helping people---not to take advantage of them. Now is a great time to purchase a home, rates are good and it is a buyer’s market but make sure you align yourself with a mortgage professional that is truly going to look out for your best interests. If you have any questions please feel free to e-mail me at

Tuesday, May 20, 2008

Epcon Communites - A New Home Builder in Charleston SC

Epcon communities, a new home builder out of Dublin OH, is one of the countries leading single story developers and new home builders. Epcon Communities has been building single-story residential condominium communities for over 20 years and was ranked the second largest for-sale condo builder in the United States by Builder magazine in 2007. The company founders built their first new homes community in 1986, three years later they were asked to sell their designs. Eventually they did franchise and built over 20,000 homes in over 30 states.

About 3 years ago, Epcon communities designed homes for two Low country communities Villas of West Ashley and Villas at Charleston Park. They Franchised the work to builder and development companies. Now Epcon communities is building their first community in the Goose Creek area. This community is called Marrington Villas at Cobblestone. The new homes are all one story living and low maintenance living. They are geared towards the 55 and over community, however there are no age restrictions in the community. The floor plans range from 2 to 3 bedroom garden style homes. The prices will be between 160,000- 260,000 and between 1,100 to 1,800 square feet of living space. All the floor plans will come with 2 1/2 car garages. The floor plans are very open with 9' ceilings or more per plan. 104 units are planned for Marrington Villas. There will be walking trails, a club house and community pool available for the residence of the community.

For more information on the Marrington Villas at Cobblestone, please contact Creaturo and Associates of Century 21 Properties Plus.

Limehouse Village - New Home Community Summerville SC

Brentwood Homes has announced the long awaited arrival of Limehouse Village, Summerville’s most anticipated Lowcountry village. Brentwood Homes, a builder for over ten years, has a strong heritage of building top notch homes and communities with several divisions throughout the South East. Based out of Charleston, Brentwood Homes has several other divisions in South Carolina and North Carolina.

Brentwood Homes has carefully planned Limehouse Village to offer Summerville, SC one of the finest living experiences, at a very reasonable price. Capturing the essence of the beautiful lowcountry and its historical significance on architecture was the mission. Limehouse will be offering cottage style homes, village homes, side yard homes with double piazzas, rowhouses, and traditional neighborhood homes starting in the $200,000 to $300,000 price range. There are fifteen different floor plans to choise from ranging from 2-4 bedrooms. Brentwood has added signature touches to Limehouse homes such as; Andersen window packages, hand crafted tapered columns, standard corian counter-tops, flat top stoves, and many custom-quality features that todays new home buyers want. Not only are there many features on the inside of these homes, but also in the community. Limehouse will have a neighborhood coffee-shop, school house, fire department, and a church – many gathering places for recreation or even relaxation.
All homes in Limehouse Village, like all Brentwood Homes, are built to the esteemed EarthCraft House standards. Brentwood Homes is a leadingNew Home builder in the Charleston area for EarthCraft. The benefits of owning an Green home are infinite.

View all Limehouse Village Homes on MLS.