Happy 4th of July

We want to wish all of our friends, family, and communities a fun and safe weekend!

In honor of the holiday, our offices will be closed on Monday, July 4th, and will resume normal business hours on Tuesday, July 5th.


Here are a few event listings:



Grand Opening in Charleston

Grand Opening Side B

We are proud to announce the

Grand Opening

of our second location!

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Don't Blow Your Home Loan Approval During the Holidays

Buyers can get great deals on homes during the holiday season, but house shopping around Christmas time isn’t the easiest of tasks. December tends to be a pretty spendy time of year, and if you’re trying to buy a home, a spending spree should be the furthest thing from your mind. Even a small change in your financial situation can cause a delay in closing—or it might cause the entire deal to fall through. If you find yourself with a December closing date, here are some important things to remember to help keep things on track.


Don’t open any new lines of credit. It can be tempting when a cashier offers you an extra 20% off your purchase for just applying for a store card, but please don’t do it. Even if you don’t charge anything to a new credit card, simply opening one can raise a red flag for your lender. To be on the safe side, wait until after closing to apply for any new credit.


Don’t make any large purchases. Moving into a new house sometimes requires new furniture, and buyers are sometimes impatient. With Christmas around the corner, this one can be even more difficult. Maybe you had plans to surprise your loved one with a new car. Maybe your son was really looking forward to a new, top-of-the-line computer. If you’re waiting to close on your new home, though, it’s best to wait until after to buy the big gifts.


Do be careful about large deposits. Yes, even that nice Christmas bonus can throw a wrench in the works! Anything that changes your debt-to-income ratio (even if it’s in your favor) can be a potential problem. If you do receive a large check, check with your mortgage broker to see if depositing it into your bank account will cause any issues.


Do keep paying bills. This isn’t the time to skip a payment just to have a little extra cash for Christmas. Paying all bills on time is important to keep your credit in good standing. The last thing you want to do is have a dip in your credit score just before closing!


What other advice do you have for homebuyers who have a closing date during the holiday season? Drop us a line in the comments section!

4 Things New Homeowners Might Waste Money On

Buying a home can be costly, but it doesn’t always have to break the bank. New homeowners sometimes tend to spend money in areas that don’t need to be addressed right away. Here are six things that new homeowners tend to waste money on.


  1. Too much space. Homebuyers who are used to renting smaller spaces sometimes overestimate the amount of room they’ll need when they buy a home. If you’re a family of three, for example, you probably don’t need a 4-bedroom, 3-bath home. Assess your needs and set a realistic goal for square footage and number of rooms.

  2. Landscaping. Yes, curb appeal is very important, but don’t jump into renovating your outdoor space just yet. Take your time with it. Compare estimates from landscaping companies and

  3. Insurance. Maybe you’ve had the same insurance company for ages. Maybe you even get a little bit of a break for being loyal and for holding auto and renter’s insurance policies with them. Even if you’ve been with that same company since you bought your first car, it’s important to shop around for insurance quotes. Homeowner’s insurance can cost a pretty penny, so you’re going to want to find the best deal possible.

  4. Furniture. Even if you’ve upgraded in size, there’s no rule that says you have to fill your new home with “stuff” as soon as you move in. Take some time to get acquainted with your new space. You’ll realize pretty soon that you can get along just fine without that 10-piece dining set.


What other unnecessary expenditures do you think new homeowners tend to spring for?




A friend of ours who recently bought a house enthusiastically referred us to Johnson & Wilson. Our friend's recommendation was top notch - Johnson & Wilson. is AWESOME! - Brian
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