Prosperity Home Mortgage

Our Preferred Lenders

Elissa Campbell
Elissa Campbell
Realtor® License ID: 111712

+1(843) 853-1433

824 Johnnie Dodds Blvd, Pleasant, SC 29464

https://www.PENINSULAPROPERTIESSC.COM

I Know Where All The Good Dog Parks Are...

I am so blessed to call the beautiful city of Charleston my home!  I grew up in New Hampshire and received my Bachelor's Degree in Marketing and Fashion Merchandising from Southern NH University. I worked in the Boston area before fulfilling my dream of moving to Charleston.  I have an effective combination of Southern charm and Northeastern tenacity.  I am very involved in my Church (Seacoast) where I lead a small group and I carry my Christian values into all aspects of my work.  I am a dog mom to my Cocker Spaniel, Charlie so I'll fill you in on all the hot spots for dogs.
 
Why choose me as your Realtor? For one thing, I will really listen to you and work tirelessly on your behalf.  If you're looking for an agent with patience, perseverance, and a genuine desire for helping people, you've just found her!  I chose Real Estate as a career path because it allows me to use the customer service skills acquired during a 15 yr. career in Retail Management. I have developed excellent client relationships and possess strong negotiation skills.  I am committed to ensuring the home buying or selling process is fun, easy, and stress-free.   Having lived here for many years now, I am enthusiastic about making my home, your home!
 
I also list and sell in the Myrtle Beach Area, and am familiar with the area, and licensed there as well. Contact me for any Myrtle Beach Area inquiries!

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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