Prosperity Home Mortgage

Our Preferred Lenders

Amy Lee Barresi
Amy Lee Barresi
Realtor® License ID: 84096

+1(864) 940-1202

824 Johnnie Dodds Blvd, Pleasant, SC 29464

https://amybarresi.agentowned.com/about-me

When buying or selling a home, hiring the right REALTOR® is key. That’s why it’s good to know Amy. She understands the importance of communication between all parties involved and how every transaction is different – as she has experienced from past buyers, sellers, and national/international relos.
 
With a genuine desire to help her clients unlock their dream homes, Amy is dedicated to providing exemplary customer service – from first point of contact all the way to the closing table. She always strives to provide her clients with the best possible experience and truly enjoys making and nurturing lasting relationships.
 
With ten years experience selling homes, Amy is a skilled negotiator and market expert. She also brings valuable knowledge and resources to her business from her extensive background in home textile design, staging, and marketing.
 
Amy is a South Carolina native, graduate of The University of South Carolina, and resides in Mount Pleasant with her husband and three children.
 
Amy is a designated Seniors Real Estate Specialist® (SRES®) and Charleston County Gamecock Club Board Member. 

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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