Chuck Ganzermiller
Journal

Notes from three decades of practice.

Plain-English guides to the parts of buying and selling that catch people off guard. Updated occasionally.

Coming soon

Loan programs, seller concessions, and whether to paint before listing

Two unrelated questions that come up in the same conversation more often than you'd think. The short answers: yes, several programs you may not know about; and it depends — but probably not.

Coming soon

The pre-approval checklist (so the loan moves fast)

If you want a clean process, get these documents ready before you call a lender. Here's what every loan officer asks for.

Coming soon

Down payments, rate buy-downs, and the math people skip

More money down means more buying power and a lower payment — that part is obvious. The non-obvious move is using seller concessions for a rate buy-down instead of the down payment itself.

Coming soon

In South Carolina, you don't need a title company. You need an attorney.

South Carolina handles real estate closings differently than most states. Here's what that means for buyers and sellers.

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