Preferred Lender 

Mike Fitzpatrick
US Mortgage Corporation
843.232.7807

mike.fitzpatrick@usmortgage.com
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Stephen Funderburk
Branch Manager - Sr. Mortgage Banker
NMLS #113736, Licensed in SC & NC

Atlantic Bay Mortgage Group


1113 44th Avenue North, Suite 303, Myrtle Beach, SC, 29577
Office: 843-443-9229 | Mobile: 843-222-9588 | Fax: 877-736-1507
StephenFunderburk@atlanticbay.com | [www.StephenFunderburk.com]www.StephenFunderburk.com

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Welcome

Welcome to the Premier Resource for all Real Estate information and services in the North Myrtle Beach, Myrtle Beach, Surfside, Litchfield, Conway, Murrells Inlet, Garden City or Pawleys Island Area. I hope you enjoy your visit and explore everything our Real Estate website has to offer, including Horry County real estate listings, information for homebuyers and sellers, and more About Us, your professional Myrtle Beach Realtor.

Looking for a new home in the Myrtle Beach Area? Use Quick Search or Map Search to browse an up-to-date database list of all available properties in the Myrtle Beach, North Myrtle Beach, Conway, Pawleys Island, Litchfield, Loris, Surfside Beach, Murrells Inlet, Garden City or use my Dream Home Finder form and I'll conduct a personalized search just for you.

If you're planning to sell your home in the next few months, nothing is more important than knowing a fair asking price. I would love to help you with a FREE Market Analysis. I will use comparable sold listings to help you determine the accurate market value of your home.

Check us out on our Facebook Page https://www.facebook.com/mbBeachfrontproperties

INTERESTED IN A DEAL?
Foreclosures and Short Sales offer great opportunities to invest in real estate and these are some explanations of two terms you should be familiar with:
 
Foreclosure:
 
These properties have gone through the legal of process of being taken back by the lender and are currently owned by them. There are legal fees and other expenses involved in foreclosures and the time to finalize all of this adds to the expense the bank has incurred to get the property back; all while no payments were being made by the previous owner. Once the property is legally in the bank's name, they will get several Broker Price Opinions (BPO's) to determine what the market value of the property is. After these BPO's are made, the lender will hire an appraiser to also determine what the market value is. Based on all of this input, the bank will determine a price and list it with a real estate agent. While the bank is anxious to get the property off of their books, they will most likely not accept low-ball offers. A reasonable offer will be looked upon favorably and most importantly, the bank will respond within hours or days, not weeks or months like a Short Sale.
 
Lenders have not actually lived in or in most cases been inside the property. For this reason, they will not offer a Seller's Property Disclosure. Be sure to get an inspection and ask for a home warranty which will give you peace of mind for one year from purchase. 
 
The longer a Foreclosed property is on the market, the more negotiable a lender will become. This is not to say they won't deal early on, but the reality of having held a property for a long time will eventually give way to a lowered price. Typically, Foreclosures offer a good deal and should definitely be considered if it is in your price range and location you are considering. 
 
Summary: Good deals are available and response form the bank is usually quick. Be sure to have it inspected, ask for the seller to provide a home warranty and if the property has been on the market a while, an even better deal could be had.
 
 
Short Sale:
 
This is a property where the lender has agreed to take less than what is owed to them, so that the seller can get out of the mortgage. It is very important to determine, up front, if the lender has approved the property for a Short Sale. Some properties are marketed as "pre-Short Sale" which means it has not been approved by the lender. Chasing after these properties can waste a lot of time and be even more frustrating than a true Short Sale.
 
In order for a lender to agree to a Short Sale, the mortgaged property must generally be the person's primary residence. The reason for this is that if the person has equity in other real estate, the lender is not going to take less than they are owed when other avenues exist for that homeowner. The lender is looking for a situation where a homeowner truly has no other opportunity to sell in the current market and owes more than it is worth. If it weren't for the Short Sale, the homeowner would be facing Foreclosure. In many cases it is less expensive for the lender to agree to a Short Sale rather than go through the legal process of a Foreclosure.
 
If you choose to go after a Short Sale property, your offer should be as clean as possible without a lot of contingencies. Also, the price is already discounted so coming in with a low-ball offer will guarantee a long wait. When the lender gets the offer, if it is clean, reasonable and all of the forms are included, one can expect an answer in 30 days or less. During this time, other offers may be coming in and this is where following the guidelines set forth above, will benefit you. Add lots of contingencies and come in too low and you will be guaranteed to go to the bottom of the stack or to collect dust on a vacant desk. In some cases, we have seen contracts languish for 6 months or more, waiting for an answer from the bank.
 
Summary: Good deals available, time varies drastically and patience must truly be one of your virtues! Go after only true Short Sales, make a reasonable offer, keep the contingencies at a minimum or out altogether.
Thomas Beets
Broker In Charge

Phone: 843-267-3712
mbbeachfrontproperties.com
Email: tccc4@msn.com

Privacy Policy
Effective date: June 10, 2019

Beachfront Properties ("us", "we", or "our") operates the https://www.mbbeachfrontproperties.com (hereinafter referred to as the "Service").

This page informs you of our policies regarding the collection, use, and disclosure of personal data when you use our Service and the choices you have associated with that data. Our Privacy Policy for Beachfront Properties is created with the help of the PrivacyPolicies.com Privacy Policy Generator.

We use your data to provide and improve the Service. By using the Service, you agree to the collection and use of information in accordance with this policy. Unless otherwise defined in this Privacy Policy, the terms used in this Privacy Policy have the same meanings as in our Terms and Conditions, accessible from https://www.mbbeachfrontproperties.com

Information Collection And Use
We collect several different types of information for various purposes to provide and improve our Service to you.

Types of Data Collected
Personal Data
While using our Service, we may ask you to provide us with certain personally identifiable information that can be used to contact or identify you ("Personal Data"). Personally identifiable information may include, but is not limited to:

Email address
First name and last name
Phone number
Address, State, Province, ZIP/Postal code, City
Cookies and Usage Data
Usage Data
We may also collect information on how the Service is accessed and used ("Usage Data"). This Usage Data may include information such as your computer's Internet Protocol address (e.g. IP address), browser type, browser version, the pages of our Service that you visit, the time and date of your visit, the time spent on those pages, unique device identifiers and other diagnostic data.

Tracking & Cookies Data
We use cookies and similar tracking technologies to track the activity on our Service and hold certain information.

Cookies are files with small amount of data which may include an anonymous unique identifier. Cookies are sent to your browser from a website and stored on your device. Tracking technologies also used are beacons, tags, and scripts to collect and track information and to improve and analyze our Service.

You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. However, if you do not accept cookies, you may not be able to use some portions of our Service. You can learn more how to manage cookies in the Browser Cookies Guide.

Examples of Cookies we use:

Session Cookies. We use Session Cookies to operate our Service.
Preference Cookies. We use Preference Cookies to remember your preferences and various settings.
Security Cookies. We use Security Cookies for security purposes.
Use of Data
Beachfront Properties uses the collected data for various purposes:

To provide and maintain the Service
To notify you about changes to our Service
To allow you to participate in interactive features of our Service when you choose to do so
To provide customer care and support
To provide analysis or valuable information so that we can improve the Service
To monitor the usage of the Service
To detect, prevent and address technical issues
Transfer Of Data
Your information, including Personal Data, may be transferred to — and maintained on — computers located outside of your state, province, country or other governmental jurisdiction where the data protection laws may differ than those from your jurisdiction.

If you are located outside United States and choose to provide information to us, please note that we transfer the data, including Personal Data, to United States and process it there.

Your consent to this Privacy Policy followed by your submission of such information represents your agreement to that transfer.

Beachfront Properties will take all steps reasonably necessary to ensure that your data is treated securely and in accordance with this Privacy Policy and no transfer of your Personal Data will take place to an organization or a country unless there are adequate controls in place including the security of your data and other personal information.

Disclosure Of Data
Legal Requirements
Beachfront Properties may disclose your Personal Data in the good faith belief that such action is necessary to:

To comply with a legal obligation
To protect and defend the rights or property of Beachfront Properties
To prevent or investigate possible wrongdoing in connection with the Service
To protect the personal safety of users of the Service or the public
To protect against legal liability
Security Of Data
The security of your data is important to us, but remember that no method of transmission over the Internet, or method of electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your Personal Data, we cannot guarantee its absolute security.

Service Providers
We may employ third party companies and individuals to facilitate our Service ("Service Providers"), to provide the Service on our behalf, to perform Service-related services or to assist us in analyzing how our Service is used.

These third parties have access to your Personal Data only to perform these tasks on our behalf and are obligated not to disclose or use it for any other purpose.

Links To Other Sites
Our Service may contain links to other sites that are not operated by us. If you click on a third party link, you will be directed to that third party's site. We strongly advise you to review the Privacy Policy of every site you visit.

We have no control over and assume no responsibility for the content, privacy policies or practices of any third party sites or services.

Children's Privacy
Our Service does not address anyone under the age of 18 ("Children").

We do not knowingly collect personally identifiable information from anyone under the age of 18. If you are a parent or guardian and you are aware that your Children has provided us with Personal Data, please contact us. If we become aware that we have collected Personal Data from children without verification of parental consent, we take steps to remove that information from our servers.

Changes To This Privacy Policy
We may update our Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page.

We will let you know via email and/or a prominent notice on our Service, prior to the change becoming effective and update the "effective date" at the top of this Privacy Policy.

You are advised to review this Privacy Policy periodically for any changes. Changes to this Privacy Policy are effective when they are posted on this page.

Contact Us
If you have any questions about this Privacy Policy, please contact us:

By email: TCC4@MSN.com

 

Testimonials

Hi Karen

You are just as sweet as always. Thanks for sending me the closing info on my house. You always were up on everything. I miss talking with you and tried to beep you to say Hello, but I didn't get a return so I didn't want to bother you. 
Bob and I are Happy with our New Home ! Its very nice here and we have Great neighbors. Expensive living here though. We do ride past the house you Sold every so often and I talk to the neighbors. They like the fellow that bought. We never met him.

Happy New Year and Happy Selling
Love Gail Mattsson
 
They found the perfect property for me Jim Choate
Thank you Tom and Annissa for handling the several properties I’ve bought and sold! Mark Burkholder
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