Prosperity Home Mortgage

Our Preferred Lenders

Kara K Cougle
Kara K Cougle
Realtor® License ID: 116037

+1(843) 696-6411

100 Crowfield Blvd, Creek, SC 29445

https://karacougle.agentowned.com

When it comes to choosing a real estate professional to help you with your home buying or selling needs, only the very best representation is good enough. As your Real Estate Agent, my top priority is to expertly represent you and your needs with the highest standard of customer service. Diligence, persistence, responsiveness, and thoroughness are what you can expect from me in helping you reach your Real Estate goals. You can be confident in knowing that I am there for you and responding to your needs every step of the way.
I have resided in the Lowcountry for more than 35 years. My background equips me to be an advocate on your behalf. As an Educator with 26 years of experience teaching students with disabilities, I plan to take my teaching experience and apply it to the Real Estate area. Simply, what I don’t know, I will learn and apply it to best fit your needs. I am passionate about real estate, family, Education and supporting our military. I will work hard to help you maneuver the real estate market in the low country and represent your best interests.
Charleston is filled with historic charm, great restaurants, not to mention the warm and friendly people. The Lowcountry has several surrounding areas to explore that have their own demographic, housing style and community personality. Whether it’s choosing the right home for your family or selling your current home to relocate, I can make the home buying or selling experience flow smoothly. My client-based approach will put you first, meeting your specific needs. I want to find exactly what you're looking for. Working with me, you will have a partner along every step of the way and a friend for the future.
I welcome the opportunity to talk to you about your real estate needs.I invite you to call me today for more information about how I can put my experience and professional resources to work for you.......Results, not just promises. 

Mortgage Help

Down Payment

The typical rule of thumb is to pay 20 percent of the home's price as your down payment, although some mortgage loans require as little as 3.5 percent down. Your down payment reduces the total amount of your mortgage loan, so the more money you put down, the lower your payments will be - or the more expensive a house you can buy.

Loan Term

Your loan program can affect your interest rate and monthly payments. Choose from 30-year fixed, 15-year fixed, and more in the calculator.

Loan Type

There are several types of mortgage loans, but the most commonly used are fixed-rate and adjustable-rate loans. Fixed-rate loans have the same interest rate for the entire duration of the loan. That means your monthly payment will be the same, even for long-term loans, such as 30-year fixed-rate mortgages. Two benefits to this loan type are stability, and being able to calculate your total interest up front. Adjustable-rate mortgages (ARMs) have interest rates that can change over time. Typically they start out at a lower interest rate than a fixed-rate loan, and hold that rate for a set number of years, before changing interest rates from year to year. For example, if you have a 5/1 ARM, you will have the same interest rate for the first 5 years, and then your interest rate will change from year to year. The main benefit of an adjustable-rate loan is starting off with a lower interest rate.

Interest Rate

This field is pre-filled with the current average mortgage rate. Your actual rate will vary based on factors like credit score and down payment.

Property Tax Rate

The mortgage payment calculator includes estimated property taxes based on the home's value. You can edit this in the advanced options.

Home Insurance

Home insurance or homeowners insurance is typically required by lenders, depending on the loan program. You can edit this number in the mortgage calculator advanced options.

HOA Fees

A homeowners association fee (HOA fee) is an amount of money that must be paid monthly by owners of certain types of residential properties, and HOAs collect these fees to assist with maintaining and improving properties in the association.

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