Mortgage Qualifications - 11/29/09 03:34 PM
Qualifying for a mortgage is more demanding.  Know where your buyer stands before you begin the search for their new home.
Your buyer's ability to obtain a mortgage will be different that it was 2-3 months ago.  If they have a prequalification letter from their lender you should advise them to check with their lender and get an update to make sure it is still good. 
Don't go through the heartbreak of finding their dream home, reaching an agreement with the seller only to find out that they no longer qualify for the mortgage.
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Georgeous Home with Golf Course View and Pool - 11/29/09 03:21 PM
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Price Reduced! - 11/29/09 03:06 PM
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Five Bedrooms with a Golf Course View - 11/29/09 03:02 PM
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Golf Course and Water Views - 11/29/09 03:00 PM
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Beautiful Estate Located on Spartanburg's East Side - 11/29/09 02:56 PM
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Conveniently Located Between Greenville & Spartanburg, SC - 11/29/09 02:53 PM
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Rain Rain Go Away! - 11/22/09 08:55 PM
For a number of years we have been in a drought situation.  But not this year.  We have had so much rain I'm beginning to wonder if I live in Washington State or South Carolina.  Don't get me wrong, I love when it rains but in SC we are used to a large number of sunny days every year and all this rain is cutting into our SUNSHINE.  I'm really not complaining as we do need the rain , but does it always have to come all at once??  I have to go start on the ark - Good Night:)
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Featured Golf Course Home of the Week - River Falls Plantation - 11/22/09 08:48 PM

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Advise Your Buyer Clients to Curb Spending. - 11/22/09 08:40 PM
It's hard to tell your buyer clients to curb their Holiday Spending, but if they wish to purchase a new home in 2010 they need to start curbing their spending in 2009.   With tighter credit requirements for mortgages, borderline clients may need to really control spending.  On average it takes 7 months to pay off credit cards used for Christmas spending.  Obviously, this debt will impact credit scores and the Debt-to-Income ratio.
Granted, it's hard to do; but you should advise your buyer clients to be cautious and control spending that might hurt their mortgage possibilities and the purchase of their … (3 comments)

Negotiating Real Estate Transactions - 11/22/09 08:32 PM
Negotiating Real Estate Transactions in today’s market can be time consuming and difficult. Many buyers believe they can steal a home by offering 20% to 30% under market value. Yes there are bargains out there. Foreclosures and Short Sales are opportunities to buy below market value and even some New Construction Homes that have been on the market for a year or more. As a listing agent you must keep your client informed on changes in the market as well as changes in the mortgage industry that could have an impact on both price and absorption rate. Don’t forget it’s the … (3 comments)

When should you "Reposition" your listings? - 11/22/09 04:55 PM
It's hard to go into a listing presentation and tell your potential clients that the price they believe they can get for their home is unrealistic in today's market.  You get your clients to agree to a little lower price but they are still chasing the market, not ahead of the market.  Before you know it your listing agreement is about to expire and you have not sold the home.  Now What?
Setting realistic expectations up front will help you when you advise your clients to lower the price, paint the interior or exterior, manicure the landscape or whatever else the … (2 comments)

Beautiful Country Setting Yet Convenient to Amenities! - 11/21/09 02:25 PM
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New Construction in a Great Location - 11/21/09 02:22 PM
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Price Just Reduced! What a Buy! - 11/17/09 05:54 PM
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Five Bedrooms with a Great Golf Course View - 11/15/09 09:12 PM
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Beautiful Golf Course and Water Views - 11/15/09 09:10 PM
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Golf Course Home - 11/15/09 09:08 PM
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Adorable 2 Bedroom, 2 Bathroom Home with Large Fenced Yard - 11/15/09 09:05 PM
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Great Location Between Greenville & Spartanburg, SC - 11/15/09 09:03 PM
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S.C. Quarterly Housing Market Report...Moore School of Business...HBA - 11/15/09 03:08 PM
Overall, economic growth in the housing industry and in the economy as a whole will continue in the coming months, but it will be slow. Banks dealing with defaults on commercial real estate loans will have difficulty extending new loans to builders and other investors, which will slow the economic growth of these industries. As a lagging economic indicator, unemployment will persist into 2010, and foreclosures and high housing vacancy rates will persist with it. This will lead to increased housing inventory and further reduction in house prices.
Even so, the South Carolina housing market has seen increases in permits since … (0 comments)

Why do people want to live in Golf Course Communities? - 11/15/09 07:45 AM
Despite what many may believe, only 15% of those who purchase homes in Golf Course Communities actually play golf.  If it's not Golf, then why?
Most golf course communities offer a "Park Like" setting which is one of the major factors in choosing a place to live.  Space and natural beauty attract home buyers.   As a result, homes overlooking the golf course are traditionally more expensive because they are more desirable.  Golf Course Communities normally offer more amenities than just golf.  Pool, Tennis, Walking Trails and so forth, also attracts home buyers.
Traditionally, homes in Golf Course Communities hold their values … (1 comments)

Two Master Suites - 11/08/09 08:45 PM
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Frank Lloyd Wright Inspired Home - 11/08/09 08:44 PM
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Five Bedroom Home in Great Golf Course Community - 11/08/09 08:42 PM
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Golf Course and Water View - 11/08/09 08:40 PM
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One Level Ranch with Screened Porch and Little Yard Work!! - 11/08/09 08:38 PM
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Golf Course Home In River Falls Plantation - 11/08/09 08:36 PM
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Adorable Two Bedroom, Two Bath Home - 11/08/09 08:33 PM
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Wonderful All Brick Ranch in a Great Neighborhood! - 11/08/09 08:30 PM
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Adorable Bungalow - 11/01/09 08:25 PM
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Conveniently Located Between Greenville & Spartanburg SC - 11/01/09 08:23 PM
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Gentleman's Farm with 16+ Acres - 11/01/09 08:19 PM
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New Listing - Great Location! - 11/01/09 08:17 PM
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All Brick Ranch Located in Duncan, SC - 11/01/09 08:09 PM
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Treat them like family! - 11/01/09 04:38 PM
Perhaps it’s our age. Yes, our children are grown and our Granddaughter is now 8 years old. Or perhaps it’s the way we were raised. Our belief system that a man’s word was his bond and that the decisions we make in life will impact the life after.
Many of our clients are younger and most or the same age as our children. When we look at them we see how important their decisions in life are and that their real estate transaction is likely the most important financial decision they will make in their life. Yes, we treat them like … (0 comments)

 
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Yvette & Dennis Gardner

Spartanburg, SC

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Keller Williams Realty, Spartanburg, SC

Address: 245 E. Blackstock Road, Spartanburg, SC, 29301

Office Phone: (864) 574-6000

Cell Phone: (864) 706-3669

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