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Looking to sell your property in South Carolina? We’re looking to make you a fair cash offer. Selling a home can be a difficult, even under idea circumstances. For people in South Carolina who don’t strike gold with the right buyer right away, the process is stressful. If you’re looking for alternative sale options, HBUSA is likely the perfect fit for you.

The Many Reasons People Sell Their Houses

Some people sell their houses simply because they want something new. These people can afford to wait and leisurely browse for their new dream home. Other sellers don’t have the luxury of taking their time. If there’s a pressing reason you need to sell, there’s always a solution.

The Housing Market in South Carolina

South Carolina’s housing market is stable, if not a little slow. Home values have seen an upward trend over the past few years, and they’ll continue to make very modest climbs in the foreseeable future. Chances for collapse are slim to none, and the growth rate will remain predictable.

South Carolina as a whole is affected by some unique circumstances. Home values, on average, are rather low. The real estate is very affordable, inspiring people to purchase homes in the state. Most homes will sell within 80 days of listing, which is faster than in many other parts of the country. The special factors affecting South Carolina suggest that some families cannot afford to wait that long to move.

Negative equity and mortgage delinquency are very high in South Carolina. A lot of homeowners can’t afford to keep their properties or find themselves in a situation where they are “upside down” or “underwater.” This is when a property is worth less than its equity – meaning monthly mortgage payments have essentially become overpayment where the amount currently paid and the value of the home at the present time don’t line up.

Greenville, SC | Home Buyers USA

Greenville, South Carolina

How Should You Sell Your Home?

Selling With a Realtor

Most people choose to work with realtors because it seems to be the simplest solution. It’s also a lot more expensive than most people expect. Realtors often generate a list of things that need to be done to the home to get it ready to list. Sometimes it’s as simple as painting all the walls a neutral color. Other times, it’s as complicated as replacing the entire roof or planting a whole new lawn.  Depending on what the realtor suggests, this process can be expensive and time consuming.

Your realtor will ask you to pack away most of your personal items so the house can be generically staged. The realtor will schedule showings and open houses until a potential buyer makes an offer. You may be subject to a negotiation process where the buyer talks the price down. Then, the buyer needs to get approval from their lender for their offer. If they get that approval, the closing process takes a few weeks. If they don’t, you have to find a new buyer.

When all is said and done, your realtor and the buyer’s realtor need to get paid. In South Carolina, the average commission is 6% of the full sale price. The median sale price of homes in South Carolina is about $173,000, so most people can expect to skim a little more than $10,000 off the profits to pay their realtors.

This doesn’t include what they already spent to prepare the home or anything they’ve agreed to reimburse their realtor for. In the event that the realtor cannot help you find a suitable buyer, the listing will expire. You can choose to renew the listing, work with another realtor, or sell your home in a different way.

Despite how popular the option is, working with a realtor is usually not the easiest or most cost effective option for many sellers. It’s hardest for people who need to sell quickly and people who are selling less-than-perfect houses.

Sell Through a Realtor
For Sale by Owner

Selling By Yourself (FSBO)

Choosing a “By Owner” sale puts you in the driver’s seat. The biggest advantage that comes with selling your home yourself is that you don’t need to pay thousands of dollars in commission. Conflicting schedules are less likely to be an issue, because you aren’t depending on someone else to do the work for you. In the end, this independence becomes a double edged sword.

You’re saving money on commission, but you’re spending money to do everything else. You do get to choose how much (if any) you’re willing to spend changing or updating your house to make it more attractive to potential buyers. The staging and the showing is all up to you. You might have to take time off work to show people the property, or to list and advertise the house. It’s a lot to do, especially if you already have a full life.

South Carolina has a very competitive real estate market, mostly because the average property value is so low. Many people who sell by themselves don’t have the time, money, or resources to compete with professional real estate agents.

This leads many people who sell on their own to resort to price cut after price cut in order to stand out. In the end, many people who sell by owner profit the same or less than those who work with a real estate agent.

Working With an Investor

Working with an investor is the hands-down easiest way to sell your house. Investors don’t have a long list of requirements. They’re not looking to move into the property, so they don’t want you to paint or fix the plumbing or install new cabinets. Bad neighborhoods, code violations, structural damage, and overgrown lawns don’t matter to investors. They’re looking at your property for its potential, even if it means demolishing and rebuilding portions of the property.

Investors buy with cash. They don’t need to get approved for a mortgage loan, and this cuts the amount of time between the offer and the closing date significantly. From offer to closing date, the process can last as little as a week. Investors make their offers fast, and they’re ready to pounce. They understand how frustrated people can be when they unsuccessfully attempt other sale methods, or when they don’t even have time to give them a shot.

The only drawback to working with investors is that they don’t often offer the full appraised price of the home. They’re planning to invest money into changing the property, so they need to keep some cash set aside for renovations and repairs. If you have a property that’s difficult to sell, the offer may not make that much of a difference. It’s quick cash on your terms, there are no associated costs, and you don’t have to do anything except take your check.

Real Estate Investor Offer

Working with Trustworthy Investors

A lot of people are trying to get their hands into home investment. You’ve probably seen hand-drawn signs on lampposts that tell you to call a number for someone to buy your house. You’re right to be skeptical of these signs. If someone has enough money to purchase properties in cash, they should have enough money to properly advertise their home investment business.

It’s almost impossible to research a potential investor too thoroughly. There are a lot of things you’ll need to look for before you decide who you want to work with. It’s easy to start your research online. Look for the investor’s website and see how much information they have available. Do they have an address and a phone number? Do they have testimonials from real people they’ve worked with, or pictures of properties they’ve bought or sold?

Pay attention to the attitude the investor adopts. People who claim they’re trying to help you should really try to help you. Foreclosure is a common issue that investors help sellers to navigate. People attempt to sell their home before a foreclosure is completed in order to avoid destroying their credit history. The right investor will be able to guide you through the short sale process and attempt to work with your lender to purchase the property and avoid the foreclosure.

Someone who speaks to you too quickly, makes offers you don’t understand, or uses terminology that you’re entirely unfamiliar with is not the right person to help you. Spend some time talking to an investor before you decide to work with them. You need to be comfortable with every part of the process, and a seasoned investor knows how to facilitate that comfort. Make sure all of your questions get answered, and consider the experiences of others who have worked with the same investor.

We Help South Carolina Home Owners in Many Situations

Stop Arizona Foreclosure | HBUSA

FORECLOSURE

South Carolina utilizes a judicial foreclosure process, meaning that lenders need to file and win a lawsuit in order to foreclose. If the lender can prove that you’re significantly behind on payments, they will almost always be granted their foreclosure.

Since the state of South Carolina doesn’t require a pre-foreclosure notice, many homeowners are surprised when they’ve been presented with a formal notice that the foreclosure suit is in progress. This can happen in as little as 120 days after the mortgage payment is considered delinquent.

Foreclosure intervention is an option, but it usually means having to pay everything that’s owned in a short amount of time. For most homeowners, that’s unrealistic. A short sale is likely the best option. If the bank gets the money they’re owed (or an alternative amount they’re willing to settle for), it never shows as a foreclosure on the previous homeowner’s credit history. A short sale is still a blemish, but it’s far easier to work off and much less damaging than a full-scale foreclosure.

Landlording in Arizona | HBUSA

BURNED OUT LANDLORD

Many burned out landlords want to sell their troublesome rental properties and wash their hands of the business. Unfortunately, evicting tenants in South Carolina is exceedingly difficult. The law is very strict. Anything that could be regarded as a “self-help” or “self-service” eviction is illegal. You can’t change locks or turn off the power to force a tenant out unless you want to pay them money in damages. You have to play the long game.

All evictions must be handled through the court, and it’s very difficult to find a reason to evict a tenant.

Rent is not technically late until five days after the due date, and even then, tenants have more time to cooperate and pay. If tenants violate the lease, they must be served with a notice that states what the violation is. If they fix the violation within 14 days, you can’t evict them. In short, you can only legally evict tenants who are very set on not paying or not remedying their lease violations.

Rather than handling all the hassle, many South Carolina landlords prefer not to renew the lease. This means waiting out the term with the tenant and simply not offering to extend their stay. If your tenants were good but exhausting people, you probably see the merit of allowing them to stay the remainder. You can always tell your tenants that you intend to sell the property once the lease is up and offer to give them a great recommendation. Desperate landlords may even feel inclined to give them their last month’s rent back. Doing so might encourage them to move faster.

Probate in Arizona | HBUSA

PROPERTIES IN PROBATE

Navigating probate on an inherited property can be a mess. Fortunately, South Carolina has options that offer leniency. South Carolina allows for informal probate the majority of the time. If everyone is getting along and there are no vastly different interpretations of the will, the court will allow the family to handle most of the matter themselves.

During informal probate, the family will draw up documents that prove that they’ve handled the process appropriately. This usually means sending out notices to other family members and debt collectors about their loved one’s passing.

In most cases, you’re also required to publish a notice in a newspaper to alert creditors. Then, you take an inventory of all aspects of the estate and have the high ticket items (like property and cars) appraised. After that, you file the paperwork and probate is over.

Formal probate is different. This process is usually reserved for cases where discrepancies exist in the will, heirs aren’t clear, or people are arguing about the distribution of assets. During formal probate, you’ll do the same things you’ll do with informal probate. The only difference is that the court needs to be informed of everything as it happens and approve the decisions being made.

No matter which probate process applies to the house you’ve inherited, you’ll still need to wait for the process to be finished before you can sell the property.

Home repairs in Arizona | HBUSA

HOMES IN BAD CONDITION

If a house is in bad shape or looks very dated, you might be considering what you need to do before you put the house on the market. If you have a budget for repairs and renovations, you might be able to increase the asking price of the property. It’s important to note that “might” is the operative word.

Repairs typically put a home back in working condition, which is exactly how buyers would expect to find a property. Some repairs, like an entirely new roof with a warranty, might allow you to raise the asking process. Other repairs, like fixing old water damage, won’t add any value to the house.

Certain repairs will only allow you to ask for what the house would have been worth if it wasn’t damaged. Renovations are another story. People are usually willing to pay more for real wood cabinets and granite countertops, mostly because they feel luxurious.

The only problem is that the amount people are willing to pay might not stack well against the amount you’ll have to spend. If a renovation costs more than it adds, it may not be worthwhile to start spending money to make the property more attractive. You may technically come out profiting less.

ABOUT HOME BUYERS USA

Home Buyers USA is a team of home investment professionals that serves several states. Our experience has shown us that many people working with an investor need more than a quick solution – they need help to get out of a tough situation. We aim to be compassionate in our approach to home investment.

We’re happy to give sellers a play by play of the whole process. We’re always here when sellers have questions or don’t understand the specifics of the situation. You can contact us right away to get the process started, and we’ll be more than happy to help you create a selling strategy that’s tailored to your needs.

Moving quickly is important. Foreclosure dates roll around in the blink of an eye. It only takes one bad storm to turn a damaged property into a run-down property. The faster you get a hold of us, the faster we can help you.

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