Mobile Homes For Sale In Spartanburg Sc
If youre looking for a manufactured home in Spartanburg SC, youve come to the right place. HomeMax has the best selection of manufactured homes for sale in Spartanburg SC and all the details you need to ensure youre getting what you want. Get the assistance you need in buying a manufactured home in The Upstate.
Helping You Find the Perfect Mobile Home
When youre looking for mobile homes for sale in Spartanburg SC, you deserve all the help you can get. Contact HomeMax to receive helpful information regarding:
With these details, you can get started on buying a new mobile home that meets your needs and desires and fits into your budget.
Virtual Tours of Custom Homes
HomeMax is a leading manufactured home manufacturer in South Carolina. We are committed to providing South Carolinians with various custom designs from which to choose. You can look at some of our custom manufactured homes via our virtual gallery or visit our custom home center located in Lexington. By taking virtual or physical tours, youll be able to determine which home looks and feels right for you.
Affordable Financing Options
One of our most common inquiries is about financing, especially from those who want to put up a manufactured home on their own acreage. We have developed partnerships with various reputable banks and lenders to help people like you. Our financing options for mobile homes in Spartanburg SC include:
- Land and home
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Why Buyers Choose Usda Rural Development Guaranteed Loans
So, whats the big deal with choosing a USDA loan? Primarily, first time and repeat buyers prefer USDA loans for the no down payment feature. Notice it states repeat home buyers! Many believe that 100% financing is reserved solely for first time home buyers.
Conversely, USDA loans are a valuable resource for repeat buyers. It provides advantages for those selling a home with little profit available for down payment. Furthermore, since a buyer could buy another house with no money down, it affords sales proceeds to be used for paying off debts.
What Is A Usda Loan
A USDA home loan is a type of residential home loan thats backed by the U.S. Department of Agriculture. USDA loans are meant to support homeowners in rural areas and encourage rural development.
USDA loans are an opportunity for many people to secure low-cost loans in some areas. Also known as USDA rural development loans, these loans are less well known than other loan programs are an exceptional opportunity for many people to secure the financing they need to buy a home.
USDA loans encourage people to move into more rural areas of the state and are part of the USDA Rural Development Guaranteed Housing Loan program. The program is designed for those who are low to moderate-income home buyers that are purchasing property in a rural area. Each applicant will need to meet USDA home loan requirements, but if you qualify, you may be able to secure 100 percent financing with lower mortgage premiums and interest rates that are very competitive.
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Usda Eligibility Maps: How To Use In Your House Hunt
Editorial Note: The content of this article is based on the authors opinions and recommendations alone. It may not have been previewed, commissioned or otherwise endorsed by any of our network partners.
While not everyone associates the U.S. Department of Agriculture with mortgage financing, an ideal place to find out about USDA loans is to start with the USDA eligibility map.
USDA mortgage loans offer 100% financing and low mortgage rates for low- and moderate-income borrowers who buy property in a rural area. But dont assume that means you must live on a farm. The rural definition includes towns with a population up to 20,000 if theyre not in a metro area and dont have homeownership programs for low- and moderate-income buyers.
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Usda homes for sale in greenville sc. Zillow has 4 homes for sale in simpsonville sc matching usda eligible. These previously owned properties are for sale by public auction or other method depending on the property. Anyone can buy a home for sale by the u s.
29201 single family housing. See pricing and listing details of greenville real estate for sale. Whether you are looking for a new home for sale with acreage or maybe you prefer a pre loved one you have come to the right place to find the right home for you and your family.
Zillow has 1 051 homes for sale in greenville sc. 803 765 5245 multi family housing. 803 765 5881 community programs.
Browse photos see new properties get open house info and research neighborhoods on trulia. 987 homes for sale in greenville sc. View listing photos review sales history and use our detailed real estate filters to find the perfect place.
Usda rd fsa properties site the usda rd fsa resales web site provides current information about single and multi family homes and farms and ranches for sale by the u s. Find greenville properties for sale at the best price. Below are the available greenville county sc homes for sale with acreage.
803 765 3655 business and cooperative programs. Find greenville properties for sale at the best price. Departments of housing and urban development hud agriculture usda rural development and veterans affairs va have homes listed on this site.
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How To Apply For A Usda Loan
Applying for a USDA home loan is similar to applying for any other type of home loan. Your lender will provide you with all of the paperwork to document your home loan purchase. At Dash, your Mortgage Coach can help you with any questions.
The first step is to apply through Dashs online system. Once you apply, you will work with a Mortgage Coach to gain preapproval. You will need:
- Proof of income from W2 and tax returns
- Proof of your debts to determine your debt-to-income ratio
- Paycheck stubs
- A photo ID
- Other documents as requested by your Mortgage Coach
At Dash, your Mortgage Coach will be with you throughout this entire process. We dont use mortgage processors, so the USDA loan process will be faster, easier, and simpler for you. Learn more about our unique process here.
The timeline for closing on a USDA loan really depends on the property and the team. At Dash, we move fast so you can too. Well work with you to help you meet your deadlines and fulfill any additional requirements, such as an appraisal of the property.
Proudly Serving As A Greenville Sc Home Builder
Greenville, South Carolina is a bustling city on the banks of the Reedy River with a rich manufacturing history and an eye to the future. Home to over 650+ manufacturing companies, there are 150 company headquarters and 40 Fortune 500 companies. Over 250 international firms from 26 different countries including Michelin North American Headquarters and BMW call Greenville home. The rolling hills and the Blue Ridge Mountains in the distance offer a picturesque landscape and along with downtown Greenville’s and culinary and cultural attractions, it’s easy to see why residents are drawn to this lively city.
Greenville, SC Highlights
Falls Park on the Reedy is Greenville’s true gem and an oasis for residents. Located along the banks of the Reedy River, the park is the centerpiece of the revitalized Main Street area and offers a meandering footbridge encouraging exploration of waterfalls and beautiful scenery and the shops, eateries, and other details of the downtown Greenville.
Fluor Field, located in the West End of the Greenville downtown district is the home to Greenville Drive baseball. A Class A affiliate of the Boston Red Sox, this minor league team offers major league fun for the residents of Greenville!
Bon Secours Wellness Arena is the Greenville area’s premier entertainment venue. Seating almost 19,000, the arena plays host to concerts, sporting events, and other performances throughout the year.
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Benefits And Disadvantages Of A Usda Loan
A USDA guaranteed loan is a great option for some people. The biggest benefit of this loan is that it will offer competitive rates. Often, USDA loan rates are more affordable than conventional loan rates. In addition, your USDA mortgage may be easier to qualify for if you have a limited credit score.
The major disadvantage of a USDA mortgage is its location restriction. You have to be willing to buy a home in an area that is rural. You also need to fall within income limits, which may not work for all individuals and families.
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What Is A Usda Loan Am I Eligible For One
USDA loans are zero-down-payment mortgages for home buyers who do not have a big income, and cant get a traditional mortgage.
If this is your case, buying a home might be well within reach, thanks to the U.S. Department of Agriculture mortgage program.
A USDA home loan is a zero down payment mortgage for eligible rural and suburban home buyers. USDA loans are issued through the USDA loan program, also known as the USDA Rural Development Guaranteed Housing Loan Program, by the United States Department of Agriculture.
As a part of its Rural Development program, the USDA invested almost $20 billion in 2014 to help nearly 140,000 families buy and improve their homes. The program is designed to improve the economy and quality of life in rural America. It offers low interest rates and no down payments, and you may be surprised to find just how accessible it is.
With all types of mortgage loans to choose from, how do you know whether a USDA loan is right for you? Heres an overview of how it works and who qualifies:
How To Read The Usda Eligibility Map
Notice the search results which show 2018 2019 Charlotte NC USDA eligible and ineligible areas.
Highly populated areas such as Charlotte NC, Hickory NC, Rock Hill SC, and Concord NC have ineligible areas. USDA ineligible areas are shown as the yellowish tan portions of the map.
But, see how much of the Charlotte suburbs are USDA eligible. Certain pockets around highly populated areas create pockets of eligibility as well. Plus, all of the rural areas are approved.
This example is not zoomed in very close on purpose. This is to compare a wide geographic area and is an excellent start to the home search process.
Next, slide the zoom tool so that the desired area may be viewed in much greater detail. The zoom feature can get down to the street level. Often, the map shows how one side of the road is eligible, and the other is not.
Typically, the USDA eligibility map zoom feature is the best way to start the search. Once the eligible areas are known, a buyer can easily search other sites for homes for sale. Better yet, after USDA loan pre-approval, a realtor can provide and show homes for sale in the area.
Once a property address is known, it is highly advised to type the physical address in the find your address field. Keep in mind that a new construction address may not show yet. Therefore, the zoom feature must be used.
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How To Find Usda Eligible Homes In Greenville Sc
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Lets begin first by going over what a USDA loan is. The USDA loan is a 100% mortgage loan available to borrowers who meet certain credit, income and property requirements. In this post, Ill cover how to find USDA eligible home in the Greenville/Spartanburg housing markets and how to determine if you meet the income requirements. The map above shows the ineligible areas in the orange shaded regions. Everything outside of the orange is an eligible area.
Property Eligibility The first step is to decide what general area you will be looking in. Once you have located an area, find any street in that area and go to Put the street name and zip code into the search bar at the top left and hit the Go! button. This will tell you if the property is in an eligible area. From there, you can zoom out to see all of the eligible areas within the Upstate.
Eligible or Ineligible? You will receive an eligible or ineligible after you have completed the income section. Notice also that the web page will give you the maximum income you can make and still qualify. The loan program you need to look at is the Section 502 Guaranteed Rural Housing Loan Program. This will allow you to have a higher income than Section 502 Direct Rural Housing Loan Program.
What Qualifies As A Designated Rural Area
While you may think a rural area is defined by farms, fields and tiny villages, the USDA definition of a designated rural area is broader.
According to the USDA, an area can qualify as rural if it has:
- A population of no more than 2,500 people
- A population between 2,500 and 10,000 if its rural in character
- A population between 10,000 and 20,000 but isnt part of a metropolitan statistical area and doesnt offer mortgage programs for low- to moderate-income families
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What Is The Usda Eligibility Map
The USDA eligibility map offers a searchable method to determine where there are homes that can be financed with a USDA loan. Since USDA loans are limited to homes that meet the definition of a rural location, one of the first steps to applying for a USDA loan is to see if the neighborhood where you want to buy a home qualifies as rural.
If you already have a home in mind to buy, you can use the USDA eligibility map to check that address to see if USDA financing is an option.
If a property is located in an area designated as rural on the USDA eligibility, that doesnt mean you can definitely finance it with a USDA loan. The USDA has a disclaimer to explain that eligibility on the map is not a guarantee of eligibility or of an approved loan. A loan application must be reviewed to determine eligibility.
Homes For Sale Under $100000
This page gives you a list of all available homes for sale under $100,000 in the entire Upstate South Carolina area. This includes listings in Greenville County, Spartanburg County, Anderson County, Lauren County, Pickens County, and other surrounding counties. Whether you are looking for a new construction home or a “pre-loved” one, you have come to the right place to find the right home for you and your family. This website has available ALL available real estate listings in the Upstate. If you want to narrow or expand your search based on your specific criteria, use our Listing Search tool to search available homes for sale.
Let the experts at PRODUCER Realty help you Buy or Sell your next home, contact us at 864-438-5050.
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Dr Horton Greenville Sc New Homes Communities Neighborhoods
DR Horton Greenville SC New Homes Communities Neighborhoods. See all the newest homes, new construction, spec homes, and communities by DR Horton in all of the surrounding Greenville, Spartanburg, and upstate region. Search homes by town, size, bedrooms, price, style, townhouses, and more. You must first read about the Dos & Donts of New Homes Construction from builders.
How Usda Loan Programs Work
There are three USDA Loan Programs
Loan guarantees: The USDA guarantees a mortgage issued by a participating local lender similar to an FHA loan and VA-backed loans allowing you to get low mortgage interest rates, even without a down payment. If you put little or no money down, you will have to pay a mortgage insurance premium, though.
Direct loans: Issued by the USDA, these mortgages are for low- and very low-income applicants. Income thresholds vary by region. With subsidies, interest rates can be as low as 1%.
Home improvement loans and grants: These loans or outright financial awards permit homeowners to repair or upgrade their homes. Packages can also combine a loan and a grant, providing up to $27,500 in assistance.
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How To Use The Usda Eligibility Map
Whether you have a property in mind that you want to buy or you want to look for USDA eligible homes, start by opening the USDA eligibility map and follow these steps: