SC Homes & Land

Real Estate, Insurance, Estate Sales, Property Management


Buying Your South Carolina Home


About SC Homes and Land

Your Northern Greenville and Spartanburg County Experts!
We proudly serve Northern Greenville and Spartanburg counties. Let us help you discover the best of rural living in Campobello, SC, The Cliffs Communities in SC, Landrum, Spartanburg, Greer, Travelers Rest and the Boiling Springs and Lake Bowen areaS! From equestrian properties, to mountain views and lakeside living, we’ll help you find the home and lifestyle of your dreams! We can also show you the best of Upstate urban living in our vibrant cities. Come home to South Carolina – it’s all here for you! Contact SC Homes and Land today for more information - 864.468.1111!


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Prepare for your South Carolina home or land purchase with this guide from SC Homes and Land!

The Home Buying Process – SC Homes & Land, LLC

  1. Choose your real estate agent. Select an experienced real estate professional who is a local expert in your market. You’ll want someone who will take the time to understand your home buying needs, and help you navigate the entire home buying process. SC Homes and Land is here to help you!
  1. Prepare for your mortgage pre-approval. Check your credit before you speak to a lender. This way, you can report any errors or fix problems before they affect your mortgage application. Get your credit history for free at You can obtain your credit score and find credit improvement tips at
To apply for your mortgage, you’ll need 2 months of paycheck stubs or direct deposit transmittals, along with the most recent 2 months of bank statements and retirement account statements. During the application process, your lender will ask for your authorization to obtain your credit history, and to obtain electronic copies of your last 2 years of income tax returns. Decide how much of a down payment you can afford. FHA loans require as little as 3.5% down. Conventional mortgages allow as little as 3% down. Any down payment less than 20% of the purchase price will require you to carry mortgage insurance. The exception to this rule is a VA loan, which allows zero down without any mortgage insurance requirement. See our information on mortgage financing for more details! Contact SC Homes and Land for referral to a reputable South Carolina mortgage lender!
  1. List your South Carolina home priorities. What are the must-haves of your new home? List your preferred locations by city, school district and neighborhood. Decide the minimum number of bedrooms and baths. Are there certain amenities that you’re looking for in the home or the location? Think about those too! Your wish list may be limited by your budget, so focus on the priorities first.
  1. Begin your home search! The fastest way to find the ideal home, is to share your home criteria with SC Homes and Land! We have access to property information that goes beyond what is available to the public. We will provide you with the best matches to your criteria. After you choose your favorites, we will coordinate the viewing appointments and provide you with a guided tour of each home.
  1. buyingahome Negotiations. When you find the right home, it’s time to write an offer! We can tell you whether or not the asking price is in line with neighborhood values, and help you write a compelling offer.
You may want to list contingencies in your offer to protect yourself. Common contingencies include making the deal subject to your mortgage financing approval, and a satisfactory home inspection. SC Homes and Land will negotiate your offer with the seller’s representative, making every effort to help you obtain the home! The seller may accept your offer, or present a counter-offer. This can go on for several rounds before an agreement is reached.
  1. Due Diligence. Once the home seller has accepted your offer, you have an active contract, and the clock is ticking towards closing! Promptly order your home inspection. If the inspection report turns up any problems, we will negotiate a solution with the home seller.
Stay in continual contact with your mortgage lender. Promptly respond to your lender’s requests for updated information or new copies of pay stubs. Do not make any major purchases, switch money around, change jobs, or do anything that could change your financial picture or credit score. Lenders get very nervous right before closing! You also need to apply for your homeowner’s insurance policy for your new home. Coverage should be made effective as of the closing date.
  1. The Closing. Prior to closing, you will receive a disclosure statement that identifies your transaction and financing costs.
The closing includes all the formal steps of transferring home ownership from the seller to you. At closing, you will need to present a check for your down payment, and for any out-of-pocket costs. You will present your proof of homeowner’s insurance. You will be given paperwork to review and sign. If you do not understand a piece of documentation or its purpose, it’s OK to ask questions! You will be given copies of the paperwork, and the keys to your new home! The closing agency will take care of recording your new ownership with the county office.