Buying a Home Soon? Avoid These 5 Things

If you’re planning on buying a home anytime soon, you’re probably already knee-deep in research and advice. We’re sure you have a whole list of what you need to do in order to get pre-approved for a mortgage and find your perfect home. Today, however, we want to talk about five things you shouldn’t do if buying a house is in your foreseeable future.

1. Don’t wait to get organized.

Get a binder or accordion file and start organizing your paperwork now. Get copies of bank statements, credit reports, tax returns, proof of employment, etc. to ensure you have them all if and when you need them. When you meet with your lender, you’ll have it all ready to go.

2. Don’t overspend or take on unexpected debt.

Create a budget and stick to it. Now is the time to trim your spending where you can and pad your bank account. Avoid making any large purchases or take on any unexpected debt. You want to keep your credit report clean and keep balances as low as you can until after closing day. Try finding little ways to cut your spending here and there, like making coffee at home and brown-bagging it for lunch.

3. Don’t forget to monitor your credit score.

You definitely don’t want any surprises cropping up in your credit report when you go to initiate the approval process. There’s no standard for credit scores when it comes to getting approved, but the higher your score, the better your chances are of getting approved and locking in a lower interest rate. Check your annual free credit report or sign up for credit monitoring, available for free through many credit card companies and banks if you already do business with them. If anything looks suspicious, check into it and dispute it if needed. If everything looks legit, keep credit balances low and don’t close any accounts. Lenders need to see that payment history that tells them you’re a responsible spender.

4. Don’t change jobs.

Lenders look at more than just your debt-to-income ratio before approving you for a home loan. They want to see job history and longevity in order to secure their investment. It’s important to show that you have job security and will be able to make your mortgage payments on time each month.

5. Don’t wait to get started.

You might not be ready to buy right away, but don’t wait until you’re ready to pull the trigger to start house-hunting. It usually takes a lot of looking to find the perfect home. Get started now so you can make a solid list of your needs and wants and get to know what’s on the market. This way you won’t be surprised at what you’re able to afford when it’s time to buy. It’s also a good idea to go ahead and hire a Realtor® and get in touch with a lender so you can start getting your ducks in a row.


How-To Tuesday: Let the Sunshine In

Spring has officially sprung, and if you’re anything like us, you can’t wait for the sunshine and warmer days to stick around for good. For now, we’ll deal with the back-and-forth weather of early spring and the April showers that eventually bring May flowers. But to help keep the dream of beach days alive, it helps to inject a little sunshine into our homes in other ways. Read below to find out how!

Let the Spring Cleaning Commence

A little spring cleaning is sure to lift the mood in your home. Do your normal spring cleaning by giving everything a good scrub down, freshening the air in your home, and putting away winter gear. Don’t forget to give the windows and floors a deep cleaning. They could use it after putting up with winter yuckiness and early spring pollen. Scrub, polish, and patch hardwoods, have carpets steam cleaned, and clean and repair any grout that needs it.

Pare Things Down

While you’re doing your annual spring clean, think about paring things down using the KonMari method. We’ve been fans of Marie Kondo for a while, but her recent Netflix series has everyone buzzing about her method and sparking joy in your home. It feels so nice to get rid of the things that weigh us down. Why not give it a try to prepare your house for spring?

Hit Refresh

Amp up the mood in your house by repainting those areas that feel drab, switching out winter drapes for lighter window treatments, and maybe replacing thicker wool and shag rugs with lighter, natural fiber rugs in brighter colors.

Add Some Plants

Incorporate low-maintenance indoor plants into your home decor. It’s a great way to improve the air quality in your home and add a literal element of spring. Not only do houseplants help you breathe a little easier, but they can also help improve your mood and keep things feeling fresh.

Lighten Up the Textiles

Put away the faux fur, knitted blankets, and heavier throw pillows, and bring out lighter linens in pretty spring colors and prints. Think pastels, bright whites, florals, big leafy prints, and beachy vibes.

Add Mirrors and Metallics

If you have a room that’s particularly dreary, add in some mirrors and metallics to reflect light and brighten up the room. Hang a large mirror directly across from the largest window in the room and automatically double the amount of sunlight. Adding metallic light fixtures, artwork, and decorative objects will also help reflect light and make everything feel brighter and more luxurious.

Trim Trees

This might not be an obvious task when you’re thinking about the indoors, but trees and bushes that are positioned near windows can do a lot to block natural light from streaming in. Give them a trim and bask in the extra sunshine.


Friday Five // March 29th, 2019


It’s Friday once again, which means it’s time for the Friday Five, our weekly roundup of five fun events happening in the Charleston area this weekend. Take in some bluegrass music, sip a mimosa or three, sample multiple food trucks in one spot, and more. No matter what you choose to do, the staff and agents at Johnson & Wilson Real Estate Company wish you a safe and happy weekend!

This weekend marks the 5th annual Charleston Bluegrass Festival + Grand Opening of the Charleston Woodlands. This is a family-friendly Lowcountry camping event featuring three stages of national and regional bluegrass music, outdoor recreation, and a diverse selection of local food and beverage options. Like the ever-popular Awendaw Barn Jams, this event will feature a constant stream of amazing music to delight the senses. Festival hours are from 12pm until 11pm on Friday and 10am until 11pm on Saturday. Music lineup includes Chatham County Line, Town Mountain, Jon Stickley Trio, Circus No. 9, The Dirty Grass Players, West King String Band. Ol’ 55s, Rachel Baiman, Sam Burchfield, Pierce Edens, Robert Mabe, Sally & George, and Escaping Pavement. Kids under five get in free. See more info at the link above.

If you love a good mimosa as much as we do, you’ll want to check out the very first Charleston Mimosa Festival on Saturday at The Bend*. This celebration of brunch is hosted by Charleston Wine Festivals and includes brunch bites from delicious Charleston restaurants, mimosas, Bloody Marys, beer, wine, live music, and a DJ. This is a 21-and-up event only. No children, babies, or pets are allowed. No outside food or beverages allowed. Free bottled water will be available. Purchase General Admission, Drinks Included, or VIP Tickets at the link above.

*The Bend is an event venue made up of twenty acres of privately owned property along the Ashley River, dedicated to a creative, community-minded, and sustainable way of life.

Give back to your furry friends by taking them to Pet Fest at Palmetto Islands County Park this Saturday from 11am until 4pm for fun, frolicking, and exploration. Pets and their owners are invited to enjoy exhibits, demonstrations, experts, entertainment, and more at Charleston’s premiere pet festival. View the dog parade, meet various breeds at the Charleston Kennel Club’s Family Dog Show, and participate in contests like Best Trick, Owner/Pet Look-Alike, Face Only a Mother Could Love, Musical Sit, and Best Dog Costume. This event is sponsored by Coca-Cola Bottling Co. Consolidated, Charleston Animal Society, Crews Subaru of Charleston, and Veterinary Specialty Care - SC. Admission is $8 per person or $5 per person with a pet food or supply donation. The event is free for Gold Pass members and children 12 and under.

Head to the Green Barn at Carnes Crossroads in Summerville this Saturday for BBQ and Brews from 4pm until 7pm. Enjoy an evening of live music, beer, and southern barbeque from various vendors. There will be lawn games and fun activities for the entire family, and you’re encouraged to bring a blanket and/or lawn chairs to settle in and enjoy the fun. Admission and parking are free for this event. Barbeque and beverages available for purchase from vendors.

Celebrate Sunday Funday at the 2nd annual Charleston Battery Food Truck Festival at MUSC Health Stadium. The festival takes place Sunday from 11am until 6pm and features beer, food trucks, and March Madness on the 3,000 square foot JumboTron. Sample loads of local food, drinks, entertainment, and more. Admission to this event is free. Dogs on leashes are welcome, and lawn chairs, tents, blankets, tailgate games, and kids’ activities are encouraged. Just a few of the food trucks included in this year’s festival are Semilla, Holy City Waffles, Booze Pops, Greekin’ Out, Diggity Doughnuts, Charleston Festival Foods, Happy Thai Food Truck, and many more!


7 Reasons Your House Isn’t Selling

Any time someone decides to put their home on the market, they wrestle with the fear of not being able to find a buyer. Sometimes the reason a house isn’t selling is super obvious, but sometimes the reason is more subtle. If you haven’t received any offers on your home after a reasonable amount of time, there are some changes you can make to help improve your odds of selling faster and, with any luck, for a better price. Read on to find out some of the most common reasons your house might not be selling.

Your Price Is All Wrong

When sellers ask why their homes aren’t selling, the most common answer is that their listing price is too high. It doesn’t matter how much you paid for your house, how much you value and love it, or how much money you put into renovations. Your home is only worth the amount someone is willing to pay for it. There’s a certain science to pricing a home just right, and it’s something a good real estate agent should be well-trained in. Listen to your agent and take their advice. Pricing your home higher than it should be wastes everyone’s time.

Your Listing Photos Aren’t Appealing

The majority of buyers start the house-hunting process online, which means your listing photos are the first impression they get of your house. If your photos are dark, unclear, taken from bad angles, and not well-staged, there’s a good chance buyers will pass on your home before they even get a chance to see it in person. Listing photos should be well lit, high-quality images that highlight your home’s best features.

Your Marketing Plan Needs Adjusting

If you aren’t getting enough traffic through your home to net an offer, it could be that your marketing plan needs some tweaking. Ask your agent what they’re doing to get your home in front of prospective buyers. They should have a clear plan of attack that doesn’t end with simply putting your listing in the MLS and hoping for the best. You and your agent should work together to figure out your target audience and the best marketing platforms for your home.

Your Home Just Isn’t Impressive

There’s no need to completely overhaul your home, but you do want it to put its best foot forward. At the least, give the house a good deep cleaning, a fresh coat of paint, and maybe a few small upgrades here and there. Make sure there aren’t any off-putting odors you may have just gotten used to. Work on your curb appeal. And once prospective buyers start coming through, ask for feedback on what they think could be better about your home.

You’re Not Being Flexible Enough

Being flexible is a major key to selling your home. If you want to sell quickly, be available for showings at any time. Keep your house clean and tidy; be willing to accept a showing that’s right in the middle of dinnertime (take the family out for pizza!); and don’t turn down a showing unless you have absolutely no choice in the matter.

Your Timing’s Off

Just like in any other business, the real estate world has its busy times and its slumps. If your home isn’t selling as quickly as you’d like it to, the problem could just be that you chose the wrong time of year to put it on the market. Sometimes outside factors dictate when you need to sell your house, like needing to relocate for work, so you don’t really have an option. But if you put your house on the market in the dead of winter, for example, you can expect it to take a little longer to sell.

Your Agent Isn’t Doing Their Job

Odds are you know more than one real estate agent. Honestly, agents are a dime a dozen. Great real estate agents, however, are the ones who work hard and stick around even when the going gets tough. It’s important to choose an agent who is known to get results. Interview a few agents before you choose the right one for you. Ask them how many homes they’ve sold in the past year, how long they took to sell, and how many sold at or near listing price. You should also ask them about their general marketing plan and how they’ll tailor it to fit your home. Choosing the right Realtor® is extremely important if you want to get your home sold in a timely manner.


Top Mistakes First-Time Home Buyers Make

As the saying goes, there’s a first time for everything. And for every first in life, there are mistakes to be made and learned from. If it’s your first time buying a home, you’re bound to have a few missteps along the way. A recent study published by Bank of the West says that 68 percent of millennial homeowners said they felt buyer’s remorse after purchasing their home. That’s a pretty big percentage of regret considering that your house is probably the biggest purchase you’ll make in your lifetime. Instead of rushing into homeownership, do your research, take your time, and avoid these top mistakes made by first-time buyers.

Buying the Wrong Size House

This is a mistake we’ve seen homebuyers make time and time again. That four-bedroom house sounds awfully nice after squeezing all your stuff into cramped apartments and rental houses for so long. But then you move in and find out that you have more space than you need or want. On the other hand, you might think that tiny house inside city limits is just perfect for you and your significant other, but if you’re thinking of starting a family in the coming years, you’ll want to take that into consideration.

Prioritizing the House Over the Neighborhood

No matter how perfect the house is, if it’s not in the right area for you, you’re not going to be happy. Take the time to research towns and neighborhoods before you start looking for your dream home. Talk to neighbors for their opinions. Drive around the area to see what’s nearby. And remember you can always change the looks and layout of a house, but you can’t just pick it up and move it if you don’t like the neighborhood.

Forgetting About Taxes and Insurance

When you’re figuring out your budget and how much you’ll pay on your mortgage each month, it’s vital to account for annual changes in property taxes and insurance. Check out the tax history of your home online to estimate future changes. Do the same for insurance by asking your provider how much rates have gone up each year over the last ten years.

Insisting on Buying Close to Work

Adding just ten more minutes to your daily commute could open your search options up by a whole lot. Don’t limit yourself in such a big decision just to save yourself a little extra time in the car each day. You might be surprised at how much more house you can afford or how many more “extras” you can fit in just because you’re a little farther away from the office.

Not Getting Pre-Approved

Many first-time buyers don’t understand the importance of being pre-approved for a mortgage before starting the buying process. Sellers will look for a preapproval letter whenever you submit an offer. If you don’t have one, they might very well pass you over for another buyer. Being pre-approved shows sellers and their agents that you’re serious about buying their home and prepared to do it.

Not Having a Monthly Budget

Instead of focusing on a home’s total sale price, think about what you want to spend per month on homeownership. In order to have a clear view on this, it’s incredibly important to put together a monthly budget that includes all your bills and expenditures. A mortgage professional can help you look at your current budget and figure out how much house you can afford based on where you want your monthly payment to be.

Thinking You Can Do It On Your Own

It’s always a good idea to use a real estate agent when buying or selling a home, but it’s especially important to do so as a first-time homebuyer. Your agent will be your source of They possess a wealth of knowledge and up-to-date training on the ins and outs of buying and selling as well as real estate law to keep you out of trouble.





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