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WE ARE LICENSED IN MULTIPLE STATES

Did you know that Zach Larichiuta and the Lucy Lending Team of Charleston are licensed in multiple states? We are now licensed in North Carolina, George and Florida: as well as our established license and presence in South Carolina. We feel it is vital to be available to our valued clients in every capacity that Read more about WE ARE LICENSED IN MULTIPLE STATES[…]

EPMI – Enterprise Paid Mortgage Insurance

Most people are familiar with the term “Borrower Paid Mortgage Insurance”, as well as the option for “Lender Paid Mortgage Insurance”. This past July, Fannie Mae, announced the introduction of an additional mortgage insurance pilot program. The mortgage insurance option is called Enterprise-Paid Mortgage Insurance (EPMI) and allows a lender to deliver an over 80% Read more about EPMI – Enterprise Paid Mortgage Insurance[…]

CHARLESTON EVENTS IN SEPTEMBER

What an incredible summer we had! The best part of the year is approaching quickly: fall! School is back in session, football is starting, and cooler temps are on the way. September is going to be a great month. The Lowcountry Jazz Festival kicks things off at the Gaillard Center. Charleston Restaurant Week and Charleston Read more about CHARLESTON EVENTS IN SEPTEMBER[…]

First Time Home Buying

The Journey of First-time Home Buying

To a growing number of people nowadays, first-time home buying can be a daunting task. Many degree-holding adults and people looking to buy their first home have reservations about home ownership. This is due to the possibility of high debts and initial costs, the extensive process of purchase, and the long-term challenges of owning a Read more about The Journey of First-time Home Buying[…]

Charleston’s Top Attractions That Will Have You Making the Move

Brick sidewalks, historic churches, Spanish moss and top-notch seafood–there’s only one place you can find all these things, and that’s Charleston, South Carolina. The oldest (and largest) city in the state, Charleston has been known for everything from its friendly locals to its incredibly well preserved historic architecture. Waterfront views and old time charm are Read more about Charleston’s Top Attractions That Will Have You Making the Move[…]

CHARLESTON AREA APRIL CALENDAR OF EVENTS

Spring has sprung and the azaleas are in bloom! April starts off with a bang ushering in some of the biggest events of the year, not to be missed by locals and visitors. We have the Cooper River Bridge Run, WTA Volvo Tennis Tournament, and Flowertown Festival to name just a few. Hop in your car and Read more about CHARLESTON AREA APRIL CALENDAR OF EVENTS[…]

MYTH: MILLENIALS AREN’T BUYING HOMES

  Around the time when millennials were criticized for their love of pink and avocados, a myth began to emerge that the 18-36 age group are uninterested in buying homes. While there are many reasons why this misperception exists, the truth is, millennials are just as interested in making this life-changing investment as previous generations Read more about MYTH: MILLENIALS AREN’T BUYING HOMES[…]

Charleston Area Events March 30 – April 1st, 2018

  Easter is Here! And so is Spring and all the fun events that come with it! Get your family geared up for a fun Holiday weekend in the Lowcountry! Charleston is a city that always knows how to celebrate the joys of life every day, but when a holiday is on the horizon, the Read more about Charleston Area Events March 30 – April 1st, 2018[…]

MOVE OVER MILLENIALS, GENERATION Z IS ALREADY BUYING HOMES!

Were you afraid of growing up and giving up your stress free childhood?  Apparently Generation Z. has no fear at all.  The post-Millennial crop of kids, those born in 1995 and later, are already moving into homeownership! Maria Lamagna, writing for MarketWatch says just shy of 100K members of Gen Z, whose ages top out at Read more about MOVE OVER MILLENIALS, GENERATION Z IS ALREADY BUYING HOMES![…]

HOW TO WIN A HOME IN CHARLESTON’S COMPETITIVE MARKET

Cash may be king, but words are pretty powerful, too: One of the most effective ways to win a bidding war is to write the seller a letter as well as getting a full credit approval with your mortgage lender prior to placing an offer. All-cash offers nearly doubled a buyer’s chances of trumping others, Read more about HOW TO WIN A HOME IN CHARLESTON’S COMPETITIVE MARKET[…]