How the SC Hardest Hit Fund Might help you Avoid Foreclosure

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Horry county had the third highest number of forecloures in South Carolina in July and as a home retention consultant assisting homeowners to keep their homes I see many homeowners who are frozen and shut down when it comes to taking steps to save their home.  Hardships happen and in order to keep your family homes there are steps to take and thankfully resources for SC residents that are available to help.  The Hardest Hit fund in SC administed by SC State Housing was allocated $295 million to assist SC homeowners with monthly payment assistance and direct loans.

Eligible homeowners that are unemployed can have mortgage payments made under the Monthly Payment Assistance program to keep their homes.   This program is capped at $36k and could make the difference in many homeowners situation and help to avoid foreclosure while unemployed and the homeowner is seeking employment.

Direct Loan Assistance is for homeowners who have experienced hardship through no fault of their own and have fallen behind on their payments and overcome the hardship but remains delinquent on their mortgage up to 6 months or more.   These loans are available interest free and are designed to bring the loan current. While there is a lien placed on the property for a period of 5 years it is forgiven after the period and no interest is charged.  This is an excellent opportunity for homeowners that have fallen behind and now able to make mortgage payments.

In addition to these programs there is also assistance for homeowners who are unable to stay in the home and do not qualify for the Direct Loan or Monthly Payment Assistance that have experienced hardships.  Short sales and deed in lieu of foreclosure are options and if you do not qualify for relocation assistance through your lender this program may be able to help.

If you think you need help to avoid foreclosure don’t overlook these programs!  The quickest way to get help is by visiting the SC Mortgage Help Website or calling 855-435-7472.  This program is expected to run through 2017 or funds are exhausted. Don’t delay, get help today! Copyright©2011 Sandra Bundy, Broker-in-Charge, B&P, Inc. Serving the Pee Dee and Grand Strand of South Carolina.

Taking care of your Murrells Inlet Home

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Copyright 2011 NATIONAL ASSOCIATION OF REALTORS®

Dining at the Dead Dog Saloon in Murrells Inlet

Creek views from the Dead Dog

When it comes to soaking in the beauty of Murrells Inlet there is no better place than on the outside deck at the Dead Dog Saloon on the Marshwalk.  The atmosphere is alive with all the true locals where you can watch these inlet creatures in all their splendor and is the perfect place to go with the flow.

Not only can you get close to nature at the Dead Dog you can also enjoy a cold beverage and hear some great live music every night of the week.  The Dead Dog has certainly made a name for itself with a menu sure to please any taste from burgers to seafood and an eclectic mix of appetizers and seafood favorites including awesome shrimp & grits and a special deli menu served til 4:00 pm daily.

Fast and friendly is the order of the day at the Dead Dog since they docked on the Marshwalk in 2002 the Dead Dog continues to contribute to the community and in that tradition will be host to the 10th annual 911 Benefit “Honoring America’s Heros” on September 11.   This promises to be another great event to benefit local police and fire departments with live music starting at 11:00 am.   If you’ve never stopped by this is a place you don’t want to miss. Copyright©2011 Sandra Bundy, Broker-in-Charge, B&P, Inc.  Serving the Pee Dee and Grand Strand of South Carolina.