Tiny House Listings

13 Truly Adorable Houses You Can Buy For Less Than A Year Of College

…and one that costs less than your textbooks.

The Tiny House Movement advocates living simply, in small homes.

Folks who live in these small houses prefer to keep fewer belongings and cite a myriad of different benefits, chief among them the low cost of owning and maintaining a tiny house. Here are 13 houses you can buy, via Tiny House Listings.

(Courtesy of Adam Ellis of BuzzFeed)


1. This whimsical, inviting home:

Price: $30,000         Size: 160 Sq. Ft.

2. This two-bedroom cedar cabin of your dreams:

Price: $29,999     Size: 300 Sq. Ft.

3. This perfectly sized hut to keep you nice and cozy:

Price: $15,000     Size: 130 Sq. Ft.

4. This secluded home on almost 10 acres:

Price: $54,900     Size: 288 Sw. Ft., plus 9.5 acres of land


5. This tiny loft house, ready to be moved to wherever your heart desires:

Price: $24,900     Size: 156 Sq. Ft.


6. This stately abode, ready to be filled with your favorite furnishings:

Price: $8,000     Size: 128 Sq. Ft.


7. This charming home:

Price: $22,500     Size: 128 Sq. Ft.


8. This just-big-enough-for-one dream home:

Price: $1,200     Size: 32 Sq. Ft.


9. This rustic cabin:

Price: $25,000     Size: 198 Sq. Ft.


10. This gypsy caravan:

Price: $16,500     Size: 216 Sq. Ft.


11. This teensy fortress with lovely office space:

Price: $25,000     Size: 120 Sq. Ft.


12. This romantic getaway for two:

Price: $29,000     Size: 200 Sq. Ft., plus 5 acres of land

13. And this jaw-dropping treehouse, which sadly isn’t for sale, but can be rented from Wandawega Rentals.

Something to consider when you are ready to ‘down-size’!
Call today to check out ‘Tiny House Listings’ near you!

Larry Clarke (843) 290-5828


Top 37 Things to do before you Die

You Only Live Once

“Don’t put off ’til tomorrow what you can do today”  Everyone has struggles, everyone makes mistakes and has regrets.  Hindsight is 20/20 and ‘we don’t remember days, we remember moments.’  The following is a list of the top 37 things you MUST do before you die, as compiled by those at the end of their life.  Let’s learn from them and get out and do these things!

1. TRAVEL!!                                1.) Not traveling when you had the chance. Traveling gets harder as you get older, as more people depend on your presence, day-to-day and it ends up becoming more expensive to bring more people with you.                                                                     2. Learn a second Language.

3. Get out of a bad relationship.                     4. Use sunscreen….everyday!

5. See your favorite band/singer in concert.

6. Don’t be afraid to do things that scare you.

6.) Being afraid to do things. Fear can paralyze us, but we can't let it.

7.  Make physical fitness a priority.

8. Define yourself – don’t let society define you.

9. Don’t stay in a job/career you hate.

10. Try harder in school….& in lifelong learning.

11. Recognize your own beauty.                          12. Don’t be afraid to say, “I love you.”

13. Listen to your parents.

13.) Not listening to your parents' advice. They have a lot more experience than you'll want to give them credit for.                           1

14. Don’t be self-absorbed.

15. Don’t worry about what other people think.   16. Support the dreams of others.

17. Don’t procrastinate.                                       18. Don’t hold grudges.

19. Stand up for yourself.                                    20. Volunteer your time.

21. Brush your teeth!

22. Spend time with your grandparents.

23. Don’t work too much.                                    24. Learn how to cook one great meal.

25. Stop, Look and Listen                                   26. Finish what you start.26.) Failing to finish what you start. Every day is an opportunity that shouldn't be squandered.

27. Master one awesome party trick.                   28. Be true to yourself.

29. Allow friendships to run their course.              30. Spend time with your children!

31. Take a big risk.                                              32. Network

33. Don’t worry too much.                                   34. Avoid needless drama.

35. Spend time with loved ones….& pets!            35.) Not spending enough time with loved ones. We are all on this earth for a limited amount of time, don't take that for granted.

36. Perform in front of others.

37. Be grateful…..say, “thank you.”37.) Not being grateful sooner. Learn to say thanks and learn to mean it. So many parts of your life will improve if you do.







 You only live once.  Live your life to the fullest!


(Courtesy of VIRALNOVA)

Thinking of Buying a Vacation/Retirement Home?  Why Wait?

The sales of vacation homes skyrocketed last year. A recent study also revealed that 25% of those surveyed said they’d likely buy a second home, such as a vacation or beach house, to use during retirement. For many Baby Boomers, the idea of finally purchasing that vacation home (that they may eventually use in retirement) makes more and more sense as the economy improves and the housing market recovers.

If your family is thinking about purchasing that second home, now may be the perfect time. Prices are still great. If you decide to lease the property until you’re ready to occupy it full time, the rental market in most areas is very strong. And you can still get a great mortgage interest rate.

But current mortgage rates won’t last forever…

According to FreddieMac, the interest rate for a 30 year fixed rate mortgage at the beginning of April was 4.4%. However, FreddieMac predicts that mortgage rates will steadily climb over the next six quarters.

Let’s assume you want to purchase a home for $500,000 with a 20% down payment ($100,000). That would leave you with a $400,000 mortgage. What happens if you wait to buy this dream house?

Prices are projected to increase over the next year and a half. However, for this example, let’s assume prices remain the same. Your mortgage payment will still increase as mortgage rates climb to more historically normal levels.

This table shows how a principal and interest payment is impacted by a rise in interest rates:

Consider Hilton Head Island for the vacation home of your dreams.  Buy today….enjoy forever.

Call Larry Clarke and Associates for all of your Real Estate needs. (843) 290-5828




Vacation Home Property Sales Surge

The American desire to own a second home as a vacation home is alive and well!

The National Association of Realtors analysis of U.S. Census Bureau data shows there are approximately 8 million vacation homes in the U.S. Their 2014 Investment and Vacation Home Buyers Survey shows vacation home sales improved substantially in 2013.

NAR Chief Economist Lawrence Yun said favorable conditions are driving second-home sales:

“Growth in the equity markets has greatly benefited high net-worth households, thereby providing the wherewithal and confidence to purchase recreational property,” he said. “However, vacation-home sales are still about one-third below the peak activity seen in 2006.”

Here are the key findings from the report:

Raw Numbers

§ Vacation-Home sales rose 29.7 percent to 717,000 from 553,000 in 2012

§ Sales accounted for 13% of all transactions last year, up from 11% in 2012

§ The median price was $168,700, compared with $150,000 in 2012, reflecting a greater number of more expensive recreational property sales in 2013

§ 42% of vacation homes purchased in 2013 were distressed homes (in foreclosure or short sale)

Buyer Profile

§ The typical vacation-home buyer was 43 years old

§ The median household income was $85,600

§ Buyers plan to own their recreational property for a median of 6 years

§ 33% said they were likely to purchase another vacation home within two years

§ 82% of all second-home buyers said it was a good time to buy (compared with 67% of primary residence buyers)

Reasons for Purchasing

Lifestyle factors remain the primary motivation for vacation-home buyers:

§ 87% want to use the property for vacations or as a family retreat

§ 31% plan to use it as a primary residence in the future

§ 28% wanted to diversify their investments or saw a good investment opportunity

§ 23% plan to rent to others


§ 38% of vacation-home buyers paid cash in 2013

§ The median down payment was 30%, up from 27% in 2012

Location, Location, Location

§ 28% in the West

§ 18% in the Northeast

§ 14% in the Midwest

§ 41% of vacation homes purchased last year were in the South!

Hilton Head Island is a paradise in the South where you can find vacation homes,  primary homes or the home of your dreams.  Call Larry Clarke for all of your Real Estate needs –(843) 290-5828.




3 Reasons to Sell Your Home this Spring

4.8 Visual

Many sellers are still hesitant about putting their house up for sale. Where are prices headed? Where are interest rates headed? These are all valid questions. However, there are several reasons to sell your home sooner rather than later. Here are three of those reasons.

1. Demand is about to skyrocket

Most people realize that the housing market is hottest from April through June. The most serious buyers are well aware of this and, for that reason, come out in early spring in order to beat the heavy competition. We also have a pent-up demand as many buyers pushed off their home search this winter because of extreme weather. Sellers in markets where seasonal weather is never an issue must realize that buyers relocating to their region will increase dramatically this spring as these purchasers finally decide to escape the freezing temperatures of the winters in the north.

These buyers are ready, willing and able to buy…and are in the market right now!

2. There Is Less Competition – For Now

Housing supply always grows from the spring through the early summer. Also, there has been a growing desire for many homeowners to move as they were unable to sell over the last few years because of a negative equity situation. Homeowners have seen a return to positive equity as prices increased over the last eighteen months. Many of these homes will be coming to the market in the near future.

The choices buyers have will continue to increase over the next few months. Don’t wait until all the other potential sellers in your market put their homes up for sale.

3. There Will Never Be a Better Time to Move-Up

If you are moving up to a larger, more expensive home, consider doing it now. Prices are projected to appreciate by approximately 4% this year and 8% by the end of 2015. If you are moving to a higher priced home, it will wind-up costing you more in raw dollars (both in down payment and mortgage payment) if you wait. You can also lock-in your 30 year housing expense with an interest rate at about 4.5% right now. Freddie Mac projects rates to be 5.1% by this time next year and 5.7% by the fourth quarter of 2015.

Moving up to a new home will be less expensive this spring than later this year or next year.

Call Larry Clarke at (843) 290-5828 for all of your Real Estate needs.




A Home’s Cost vs. Price Explained


We have often talked about the difference between COST and PRICE. As a seller, you will be most concerned about ‘short term price’ – where home values are headed over the next six months. As either a first time or repeat buyer, you must not be concerned about price but instead about the ‘long term cost’ of the home. Let us explain.

Recently, we reported that a nationwide panel of over one hundred economists, real estate experts and investment & market strategists projected that home values would appreciate by approximately 8% from now to the end of 2015.

Additionally, Freddie Mac’s most recent Economic Commentary & Projections Table predicts that the 30 year fixed mortgage rate will be 5.7% by the end of next year.

What Does This Mean to a Buyer?

Here is a simple demonstration of what impact these projected changes would have on the mortgage payment of a home selling for approximately $250,000 today:

 Cost-of-Waiting0407If you are considering buying a home, consider buying sooner rather than later….                         waiting could cost you!


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3 Reasons the Housing Market Should Thrive in 2014

threeRecently, HousingWire asked David Berson, chief economist at Nationwide, for his opinion on the near-term future of housing. Below are what Mr. Berson believes to be the three things you need to know about housing in 2014.

Number 1: 2014 should prove to be the strongest year for housing activity since before the Great Recession

“Most economists expect an improved job market in 2014, with employment growth accelerating and the unemployment rate continuing to decline. That jobless rate drop will reflect more of a pickup in employment than further declines in the labor force participation rate. This will be the key factor improving housing demand this year, even if mortgage rates rise and affordability declines. While the housing market tends to do especially well when the job market improves and mortgage rates decline simultaneously, that combination of events occurs only rarely…People buy homes when their job and income prospects improve – even if it’s more expensive to do so – rather than buy when it is inexpensive to do so but they’re worried about keeping their jobs.”

The job market will continue to improve and that rising interest rates will not be a detriment to the market in 2014. As Doug Duncan, SVP and chief economist at Fannie Mae, recently revealed:

“Consumers have taken the interest rate rise in stride. Expectations for continued improvement in housing persist, and sentiment toward the current buying and selling environment is back on track.”

Number 2: Demographics should start to favor housing activity

“If the economy expands at a faster pace this year, bringing a more rapid rate of job creation, that should translate into more households, raising housing demand. We won’t see all three million missing households return to the housing market at once. (That wouldn’t be a good thing for the housing market anyway, since that would be on top of the 1.2 million households that normally would develop this year; such a surge would swamp the existing housing supply). Beginning in 2014, the pace of household formations should accelerate to an above-trend pace for several years, pushing up housing demand.”

The Urban Land Institute recently released a report, Emerging Trends in Real Estate 2014, projecting that 4.48 million new households will be formed over the next three years. Millennials will make up a large portion of these new households. With the economy improving, we believe they will finally be moving out of their parents’ homes and, after they compare renting versus buying, many will choose homeownership.

Number 3: Mortgage availability shouldn’t worsen and may improve

“The rise in mortgage rates already has reduced mortgage origination volumes as refinance activity declines. If mortgage rates rise further this year, as expected, then refinance activity will fall still more. In response, mortgage lenders probably will ease lending standards to the extent possible under the QM rules to boost lending activity by increasing purchase originations. As a result, the increase in new households expected to be created this year, spurred by a stronger job market, should find that qualifying for a mortgage loan will be somewhat easier in 2014 than in prior years.”

As the refinancing market begins to dry up, mortgage entities will be more aggressive in the purchase money market (mortgages necessary to purchase a home). There even seems to be recent evidence that lending standards are actually loosening.

Whether buying or selling a home this year, the real estate market is thriving.  Call today to speak with Larry Clarke….. or click below to find the home of your dreams.

www.hiltonhead-real estate.com

Larry Clarke : (843)290-5828




Based on prices, mortgage rates and soaring rents, there may have never been a better time in real estate history to purchase a home than right now. Here are five major reasons purchasers should consider buying.

1. Competition is about to Increase

Every spring a surge of prospective purchasers enter the housing market. Like you, they will want the best home available in the best location at the best price. They will be competing with you for the ‘steals’ in the market. Don’t miss the opportunity to get that ‘once-in-a-lifetime’ buy available today that no longer be available as the market heats up..

2. Price Increases Are on the Horizon

Nationally, home prices are projected to appreciate by 4.5% in 2014 and by over 19% from now until 2018. First home buyers will probably pay more both in price and interest rate if they wait until the spring. Even if you are a move-up buyer, it will wind-up costing you more in net dollars as the home you will buy will appreciate at approximately the same rate as the house you are in now.

3. Owning a Home Helps Create Family Wealth

Whether you rent or you own the home you are living in, you are paying a mortgage. Either you are paying your mortgage or your landlord’s. The Federal Reserve, in a recent study, revealed that the net worth of the average homeowner is 30 times greater than that of a renter.

4. Interest Rates Are Projected to Rise

The Mortgage Bankers Association, the National Association of Realtors, Freddie Mac and Fannie Mae have all projected that the 30-year mortgage interest rate will be over 5% by the spring of 2015. That is an increase of almost 3/4 of a point over current rates.

5. Buy Low, Sell High

Most would all agree that, when investing, we want to buy at the lowest price possible and hope to sell at the highest price. Housing can create family wealth as long as we follow this simple principle. Today, real estate is selling ‘low’ compared to where it will be next year. It’s time to buy.

Once you decide that you are ready to buy or sell a home, Larry Clarke will help you with all of your real estate needs.



Happy St. Patrick’s Day

St. Patrick’s Day trivia

Regardless of your heritage, everyone’s Irish on March 17th.  Get your green on, bust out your brogue, and impress your friends and family with this fun St. Patrick’s Day trivia. See how much you really know about Ireland, St. Patrick and the traditions that surround the annual celebration of him.

1.What was St. Patrick’s given name at birth? Maewyn Succat. I can’t image saying “Happy Maewyn Succat’s Day!” Happy St. Patrick’s Day rolls far more trippingly off to the tongue. When he became a priest, he changed his name to Patricius, from the Latin term meaning “father figure.”

2. What does the word “shamrock” mean in Gaelic? 

Shamrock translates to “young clover,” and many kinds of clover can be a shamrock.

3. Why is St. Patrick’s Day celebrated on March 17th?    

St. Patrick died on March 17,461AD.

4.Irish soda bread is popular on St. Patrick’s Day. Why is it tradition to cut a cross on the top of the loaf?

The cross is cut into the dough with a knife before baking to ward off the devil.

5.Green has not always been the color associated with St. Patrick and St. Patrick’s Day. What was the first color associated with St. Patrick?

Hard to believe, but it was blue. The Order of St. Patrick, established in 1783, selected blue as its color because dark green was already taken. Green became popular with the 1798 Irish Rebellion when wearing a clover on a lapel became.

6.How long is the lease on the Guinness Brewery?

Arthur Guinness signed up to a 9,000 year lease on the brewery, with an annual rent of £45, in 1759. March 17th is a big day for the company. On a usual day, people around the world quaff 5.5 million pints of Guinness. On St. Patrick’s Day, however, that figure jumps to 13 million!

“Here’s to a long life and many more. A quick death and an easy one. A pretty girl and an honest one. A cold beer – and another one!” – St. Patrick’s Day Toast

 Happy St Patrick’s Day from Larry Clarke & Associates

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