First Time Buyer FAQ

  • By Eddie Yandle
  • 16 Feb, 2017

What are common questions a first time buyer has? 

Frequently Asked Questions (courtesy of SC Housing at  http://www.schousing.com/ )

Home Buyers

  1. Am I ready to buy my own home?  
    Find out by asking yourself a few simple questions:

    • Do I have a steady source of income?
    • Is my income reliable and consistent?
    • Do I pay my bills on time?
    • Do I have very few outstanding bills, like car payments?
    • Do I have the ability to pay a mortgage every month, in addition to home maintenance costs?
     
    If you answered “yes” to these questions, you are probably ready to buy your own home.


  2. How do I begin the homeownership process?  
    Start by thinking about your situation:
    • Are you ready to buy a home?
    • How much space do you need?
    • What areas of town do you like?
    • What do you want close to your home, like schools, work places or a mall?
    • How much can you afford in a monthly house payment? A Participating Lender can help answer this question.
    After you answer these questions, make a "To Do” list and start doing research on the type of house you would like. Talk to friends, drive through neighborhoods, look in the local paper or search on the Internet.


  3. What is the difference between homeownership and renting?  
    One of the advantages of renting is being generally free of most maintenance responsibilities. Some of the advantages of owning your own home include the opportunity to build equity, take advantage of tax benefits and protecting yourself against rent increases. You are also free to decorate without first getting permission from an apartment manager and have a yard to relax in or allow your children to play! Owning a home has many benefits. When you make a mortgage payment, you are building equity and that is an investment. Owning a home also qualifies you for tax benefits that may assist you in dealing with your new financial responsibilities, such as homeowner’s insurance, real estate taxes and home maintenance. But given the freedom, stability and security of owning your own home, it is worth it!


  4. How does the lender decide the maximum I can afford when buying a home?  
    The lender will consider your debt-to-income ratio. This is a comparison of your gross (before-tax) income to housing and non-housing expenses.

    Non-housing expenses include debt (bills or loans), such as car payments, student loan payments, alimony or credit card bills. Your monthly mortgage payment should be no more than 29% of your gross income. Your mortgage payment, added to your non-housing expenses, should total no more than 42% of your income.

    The lender also considers cash available for down payment, closing costs, credit history, bill payment history as well as other things to determine your maximum loan amount.


  5. Are there any other useful tips to consider during the home buying process?  
    Keep accurate records of payments and statements including:

    • Monthly Bills
    • Bank Statements
    • Credit Card Statements
    • Other Regular Monthly Payments
    Keep a good working relationship with your current landlord.

    Pay your bills on time. By paying your phone, utility and cable bills on time each month, you can enhance your credit worthiness. If you have no credit history, these types of payments can be used to establish credit history.

    Pay off outstanding bills. Whenever you can, pay off your bills in the form of credit cards, installment loans and luxury items. In many cases, high debt levels decrease the amount of a mortgage loan you can afford.

    Work at getting any large outstanding debt under control by making payment arrangements. Even if you can not afford to pay off the entire amount, call the creditor and agree on a payment plan that will allow you to pay off the bill by making small monthly payments.


Columbia New Home Blog

By Eddie Yandle 11 Dec, 2017

Executive Construction Homes has always delivered innovative features in their homes. With a new partnership with Samsung, we now are able to offer the newest technology to our buyers for home appliance needs. Stop by our model home in Woodcreek Farms , and check out the new Family Hub, from Samsung.

While you're there, be sure to visit our Signature new homes  now offered with an inclusive appliance package of a stainless steel stove/oven, microwave, dishwasher and fridge as well as a washer and dryer. Ask about an exclusive 3 year warranty* and additional Samsung benefits .
This is a limited opportunity, so hurry today!

Stop by and see us at our model.

By Eddie Yandle 06 Dec, 2017

Sometimes we all get so busy that we forget the loved one that is always waiting for us at the door. During this holiday time, we searched for several articles that may help with keeping your favorite furry friend content during all the rush.


What can my dog eat during the holidays?
For awesome gift and treat ideas, Pampered Paw Gifts has some great ideas!  
A great article on what dogs can have (and shouldn't) is published in this great article- While checking it out, take a gander at some of the awesome gifts!  
READ THE FULL ARTICLE ON PAMPERED PAW GIFTS >>>

Dog Treats at Christmas

Besides an “atta boy” and pat on the head from you, the next greatest reward your dog likes is a yummy treat. What’s more, giving your dog a treat makes you feel good, too. The very act of rewarding your best friend with his favorite treat not only reinforces training, but helps solidify the bond you share with your canine companion.

Fortunately, organic Christmas treats are a way you can spoil your dog without giving him an unhealthy snack. If you do not have access to a doggy bakery, you can find several healthy choices online, the healthiest being an organic or all natural treat.

For instance, Pampered Paw Gifts   offers dog lovers organic and all natural products like salt free Christmas doggy cakes made with a rice cake and yogurt frosting, decorated in holiday colors, and trimmed in doggy bones.

The Christmas doggy treats look like pastries that come from a high-end human bakery and are exquisitely decorated in holiday colors in various dog-themed shapes. They not only look good enough for a person to eat for a Christmas treat, but are made with the finest human-grade ingredients. So, if your dog is willing to share with you, there is no harm in taking a nibble.

Other delectable dog treats you can expect to find online are cookies, bon bons, paw prints, paw cups, bones, reindeer, presents, mittens, santa paws, snowflakes, and wag sticks made from a peanut butter recipe and iced with yogurt. All items are free of byproducts, artificial color and flavors, and preservatives.

Listed below are other safe Christmas dog treats:

  • free-range chicken treats for smaller dogs
  • bon bons with yogurt coated snickerdoodle center
  • peanut butter macaroons filled with yogurt coating
  • cake bites made from pumpkin cake ball topped with organic coconut
  • snowmen cakes with peppermint carob and drizzled with yogurt icing
  • cookies that look like pies with a dollop of whip cream in the center
  • mini chocolate (carob) Christmas donuts flavored with peppermint oil
  • Christmas canoli filled with vanilla yogurt
  • decorated peanut butter carrot cake PupCakes
  • carob cakes filled with peppermint flavor and covered with coconut
  • chicken parmesan twists and canolis
  • cheddar cheese donuts
A favorite locally is The Palmetto Lifeline-
In their blog a recent article is sited for DIY gifts as well as great safety information.   READ FULL ARTICLE ON PALMETTO LIFELINE>>>  

ifts for Your Pets during the Holidays

Posted on   December 13, 2014   by   Pawmetto Lifeline

‘Tis the season for gift giving and warm holiday cheer. It is important not to forget the furry members of your family during the Holidays. To help you, we have created a list of fun gift ideas for cats and dogs!

  1. Home-made treats: Try some of Martha Stewarts Paw Print Dog treats or Becky Hardin’s Catnip Croutons: Homemade Cat Treats   or Paw Print Dog Treats  
READ MORE>>  
By Eddie Yandle 01 Dec, 2017
By choosing a maintenance-free neighborhood with exterior and landscape care provided, you can throw away that list of landscape and pressure washing companies and head out to The Members Club, play a round of golf on our Tom Fazio-designed golf course, a game of tennis, or enjoy all the close shopping and things to do in Columbia, SC.   Click for Directions
By Eddie Yandle 29 Nov, 2017
Located in the sought after Crescent Lake neighborhood, this established community 
has limited  lake view and basement opportunities. 
 4-6 bedroom homes &  large living spaces all with signature finishes and features.  LEARN MORE >>
By Eddie Yandle 25 Nov, 2017

717 Long Pointe Lane- MORE INFORMATION>>>

Coming Soon! New Construction Lakefront in the Desirable Award Winning Lake Carolina neighborhood of Harborside.

  • High End Custom Home to be built by Master Builder, Executive Construction.
  • Designed specifically for this lot, this spacious home incorporates style & design to showcase the builder's talents.
  • Lakefront home boasts beautiful architectural details including coffered ceilings, tray ceilings and cathedral ceilings and extensive moulding.
  • Windows across the back of the house and a covered rear porch take full advantage of the gorgeous view.
  • Designed for the possibility of a separate apartment & 2nd kitchen, if desired (Can be income producing).  Or simply perfect for extended living space.
  • Expansive space, large rooms and a fabulous floor plan with so many possibilities await you!  
  • There is even a space for a wine cellar.  

Marketed by : 

Julie Smith
Century 21 J. Bolos
Columbia, South Carolina
( 803) 476-6450

By Eddie Yandle 25 Nov, 2017

Crescent Lake

Part of an established neighborhood, Executive Construction Homes acquired 9 unique homesites with breath taking views, pond view locations,  and even basement home opportunities.  Starting from the mid $300,000's, a brand new home awaits those who are looking in the highly demanded Blythewood location near the Long Creek Area. Hurry as these are very limited new home oppurtunites in the BLythewood area.
Contact us for more information about these brand new floor plans ready Fall 2017 for quick move in.
By Eddie Yandle 25 Nov, 2017

Top 10 Tips for Choosing Shower Tile

Slip resistance, curves and even the mineral content of your water all affect which tile is best for your shower



Part of A Houzz Series on Decor read more!>>
By Eddie Yandle 25 Nov, 2017
Let’s face it. Christmas morning is messy. Wrapping paper strews the scene, mugs of hot chocolate are stashed about. Honestly, by 10 a.m. I usually look around my living room and wonder how the tornado hit so fast, and how my lovely decorations could suddenly look so … junky.

That’s why this year I’m taking a pared-down approach, and so can you. Here are a few of my favorite designer tips and tricks for a fuss-free holiday.
1. Just add foliage. One of the most beautiful things I ever saw during the holidays was at a restaurant I used to frequent in Venice Beach. Its walls were all white, and up near the molding, fresh green garlands, peppered with tiny white lights, were swagged across the room. There were no ornaments, no ribbons, but there was something really magical about it (and it worked so beautifully that they actually kept it like that all year round). This staircase takes a similar approach. Simple, approachable, lovely and festive.
2. Add faux fur. Call me crazy, but if Christmas morning meant lounging on a deck wrapped up in something furry, I’d pretty much be in heaven. You can keep the presents, stockings and even the twinkly lights (though I am rather partial to them). Faux fur instantly winterizes any decor. Isn’t that what decorating for the holidays is all about? READ MORE ON HOUZZ
By Eddie Yandle 24 Nov, 2017
Small Business Saturday-
It’s an annual shopping tradition dedicated to supporting small businesses and celebrating communities across the country. Founded by American Express in 2010, Small Business Saturday is celebrated every year on the Saturday after Thanksgiving. This year, you can get out and support the places you love with the people you love on Nov 25.
By Eddie Yandle 22 Nov, 2017
Thanksgiving 2017- What are you doing? If you happen to be looking for a place to eat while traveling or with your family, we searched a few spots that are open nationally as well as locally. 

National restaurants open list- Click here- Thanks, Newsweek! 

Local hot spots in Columbia, SC - From The State
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