10 COMMANDMENTS OF BUYING A HOME WITH FINANCING!

THE 10+ COMMANDMENTS OF MORTGAGE FINANCING

Thou shall NOT change jobx, become self-employed or quit your job!
Thou shall NOT cosing a loan for anyone!
Thou shall NOT buy a Vehicle (or you may be living in it)!
Thou shall NOT use credit cards excessively or make late payments on any accounts.
Thou shall NOT spend money you have set aside for closing!
Thou shall NOT omit debts or liabilites from your loan application!
Thou shall NOT buy furniture, appliances or household items before closing.
Thou shall NOT originate any inquiries on your credit report!
Thou shall NOT make large deposits without first checking with your Loan Officer.
Thou shall NOT change banks nor open new financial accounts!

And One more thing - Thou shall NOT bounce any checks!!

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Testimonials

" Wayne is an amazing realtor and fantastic person. My husband and I enjoyed working with him and he did an incredible job finding a ton of properties that really fit what we were looking for. I felt as though Wayne really listened to what we wanted and delivered. Thanks so much Wayne, we are in love with the new place we call home! Lisa and Chris Lee "

- Lisa & Chris Lee

" Beth is amazing. She went above and beyond for us during the entire process and helped us to find our new home. She took all the time needed to explain everything,to us during the whole process so we never felt,in the dark about anything and she was always there for us if we ever had any questions. "

- Benjamin Miller

" I have used David Mannen for 3 real estate transactions, he is knowledgeable, sincere, and professional. He and the rest of the team at Carolina Pines Realty go out of their way to help you find the house that's right for you. "

- Janet Zehner

" Beth recently helped us purchase a vacation/future retirement home in Surfside Beach. We were very pleased with her services and would definitely use her again if we were to ever buy or sell in SC and would recommend her to others. 10/18/2013 "

- Penny Sanders

" My wife and I feel that Beth Ross is the consummate real estate professional and would unequivocally recommend her to anyone. She's a real people person with a great personality. She totally knows the area and is committed to find the exact home that you're looking for. We never felt rushed and all our questions were answered much to our satisfaction. She's the best!! Give her a call! 09/23/2014 "

- Mike & Cindy Mohn

" We were truly blessed when we went online and chose Carolina Pines Realty to find us a home. We worked with the owner – Beth Ross. We had to find a home quickly because ours had sold and it was quick closing. They listened to our requests and took us to homes that fit our criteria . Beth and her team have the qualities that all Realtors should have but few do - patience , understanding about a clients needs, that a client is probably going through a joyful time to buy a new home but that it can also be stressful and above all they listen to what you want in a new home. They helped us through the entire process and handled it with honesty and integrity . We have been in our new home now for two weeks and we have had many questions about the area, since we were from out of state, such as a locksmith, heating and air conditioning company, doctors, etc. Our calls were always returned and they gave us a few to choose from and has not steered us wrong. Beth loves her profession and it shows !!!! Do yourself a big favor if you are looking for a Realtor and give Carolina Pines Realty a call or stop in their office, her staff and agents are as nice as she is. Take it from one who knows, I used to sell Real estate in the Pittsburgh area and I wish I had been half as good as they are. Beth and her team is what all Realtors should aspire to be. "

- William and Debra Fortuna

" Mrs. Beth was our "miracle". Without her we would have been like two fish out of water. No matter what time of day or night I called upon her she was right there. Mrs. Beth went above and beyond her duties to help us out. She faxed so many papers to our lender day after day and printed copies for us because we didn't have a computer. You will never go wrong with Mrs. Beth by your side 05/25/2014 "

- Lori Taylor Tinch-Vinson and Allen Drew

" Our purchase was made exceptionally easy by Mary. I can't imagine working with anyone else. "

- anonymous

" We have bought and sold several homes in the past and our experience with Beth Ross was by far the most pleasant! She is professional, very knowledgeable and always quick to respond to emails or phone calls. We always felt as if our needs were important to her and she never made us feel as if she were just "trying to sell us as house" Instead we ended up with our HOME and will live here forever! She has to be the hardest working agent in this area, truly a caring person and recommend her to anyone wanting to buy or sell a home. 04/07/2015 "

- Lynn Stines

" My name is Cynthia Parlet and my husband and I bought a house and sold a house with Gerri. The second one will close on the 19th. The second lookers bought it immediately. I met Gerri at the beach and we started talking. Gerri and her hubby are wonderful people and we would always use her again. I will also refer everyone looking for a home to Gerri. She is an excellent real estate agent. Gerri makes sure you have a copy of everything and that it is signed and done properly. She goes beyond protecting you on all levels. She keeps you advised of ever issue, explains everything and is on top of it. Appointments are always set through Gerri and feedback is given quickly. I can not say enough good about Gerri Hutchings and Carolina Pines Realty. "

- Cynthia Parlet

" Minna was a wonderful agent and person... The process of dealing with us from another state required a lot more coordination with services here then would be normal. Gerri Hutchings was our original agent and recommended Minna when Gerri fell ill. I give both agents a five star rating. We moved over 30 times and this was our toughest one. Minna made it happen! "

- Mr and Mrs Roy Van Order

" This is the second home that Carmen Lankford has sold for our family. She is an intelligent, hardworking professional whom I will recommend to anyone in need of real estate sale services. "

- Larry

" Working with Beth Ross is like working with family! I love her bubbly personality and the fact that she is always having a "better than great day." Always professional and courteous. "

- Anonymous

" From the moment I met Steven (and Whitney) I felt like I was important to them, and they understood and appreciated that I was picky! They did not rush me or try to get me to commit to a home that I didn't love. They were willing to show me any home I was interested in, and consistently searched for homes to recommend to me. My favorite moment was when Steven looked at me at the last house (the one I bought) and said, this is my job--not to find someone a house, but to find them a home, and this is your home. "

- Melissa Boehler

" Beth Ross and David Mannen also sold my home. Every time I had a question they would get back to me that day. They answered every question we had and put our mind in ease. I would highly recommend Carolina Pines for your Real Estate needs. "

- Pam and Carl

" Mary is very helpful, listens to needs, and is very personable. She went above and beyond to help us find what we were looking for. So kind and easy to get along with. "

- Eric and Gina Trotter

" Wayne showed me 5 houses and all of them met my needs "

- Jong S

" I couldn't say enough about Beth, and her sales Team, If you are looking for a vast knowledge of the market, efficiency, honesty, integrity, someone who gets the job done quick and maximizes your dollars, look no further, Beth and her real estate team. We Love her! She was instrumental in helping my Son sell his home last month and now my home this month. She has done an awesome job, I would recommend her to anyone looking to buy or sell any property you will get the BEST with Beth 03/07/2014 "

- Howard Muller, Sr

" Very knowledgeable about every aspect of buying and selling homes. Will recommend anyone talk to Wayne when buying or selling real estate. "

- Unknown

" David was great overall. Listened to our comments and found the right property "

- Wanted to remain anonymous

" Mary was so quick to get back to me with any needs I had. We bought from out of town and she made the transition very smooth. "

- anonymous

" Mary was there any time I had a question. Even 7:00 am on closing day, she texted me right back with an answer. "

- Mr and Mrs John Moore

" Your most memorable moment Steven praying for guidance and keeping us in his prayers "

- Mr and Mrs Siena

" Mary is a huge asset to the real Estate industry. All realtors should practice the integrity that is found in Mary. She goes far more than the extra mile and is not happy until her clients are completely satisfied. If you have ar4e looking for a home, Call Mary, 10 minutes ago! "

- Wanda Rhoades

" We are very pleased with Mary's help in purchasing our home. She was pleasant to work with and responded quickly to our questions. She was competent and professional and we will highly recommend her to others wanting to sell/ purchase a home. "

- Mr and Mrs John Moore

" I would like to take this opportunity to thank Minna French for all of her assistance in finding our new home in South Caroline. It was a long process, but she always was professional, prepared, replied to our inquires in a timely manner and proactive in gathering data for us. She took the time to know us and what we were looking for. With all of her help, we found our home and are ready to start our second phase of life. It was a pleasure working with her and I wish that all agents would be like her. We are trying to sell our home in CT and we wish she was here to help us. We got spoiled with all of her assistance and knowledge. Minna, thank you again. You were wonderful and thank you for all your suggestions on about places that we can visit. I will recommend you to anyone that is looking for a real estate broker. "

- Valentyna Walder

" Beth sold our home in a reasonable amount of time. We have had other agents that were just there, but with Beth she has helped with problems we came accross directed us where to turn and helped things get done. Went from beginning to end with us Beth has worked very hard for us thank you "

- Beth Paul and Cindy Wilson

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