Prosperity Home Mortgage

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Stephanie Toole
Stephanie Toole
Realtor® License ID: 88164

+1(843) 277-4498

902 Savannah Hwy, Charleston, SC 29407

https://www.StephanieTooleRealtor.com

Stephanie is a South Carolina native and graduated from Clemson University. She has a degree in Business Management with an emphasis on Entrepreneurship. After college, she ventured down to Charleston to be by the coast. A few years later, she met her husband John, who was born and raised in Mt. Pleasant. They are happily married and have a little girl named Savannah and two four-legged children, Britten and Elvis.
She has worked since she was 15 years old and every job she has ever had has been focused on customer service and helping others. With this passion and her entrepreneurship background, she knew real estate would be a great fit.
Trust and accountability are only just two of many traits that you will not have to question when working with Stephanie. She will help you every step of the way, in making one of the largest investments of your life. She is very confident that she will listen to your needs and find you the best home. If you aren't 100% satisfied within the first 12 months of purchasing your new home, she will sell it for free. That just shows how passionate she truly is.
She has already helped over 60 buyers and sellers realize their dreams through extraordinary service. She was awarded “Rookie of the Year” for her high accomplishments at the beginning of her real estate career. She has continued that drive and motivation to help others and has become a top agent in the Charleston area.
When Stephanie is not selling real estate, she enjoys being on the boat with her family and friends as well as winning a round at the local turkey shoot. She has a USCG Captain's License; 25 ton Master inshore, OUPV 6 pack near coastal license, and towing endorsement. She is always ready to jump on the boat to cruise around or to drop a fishing line in the water to catch dinner. She and her husband also love to entertain, especially during college football season. They love the Charleston area so much that they hope they never have to leave, and Stephanie uses this love for Charleston with all her clients. She can't wait to help you make your real estate dreams come true and put more money in your pocket.

Mortgage Help

Down Payment

The typical rule of thumb is to pay 20 percent of the home's price as your down payment, although some mortgage loans require as little as 3.5 percent down. Your down payment reduces the total amount of your mortgage loan, so the more money you put down, the lower your payments will be - or the more expensive a house you can buy.

Loan Term

Your loan program can affect your interest rate and monthly payments. Choose from 30-year fixed, 15-year fixed, and more in the calculator.

Loan Type

There are several types of mortgage loans, but the most commonly used are fixed-rate and adjustable-rate loans. Fixed-rate loans have the same interest rate for the entire duration of the loan. That means your monthly payment will be the same, even for long-term loans, such as 30-year fixed-rate mortgages. Two benefits to this loan type are stability, and being able to calculate your total interest up front. Adjustable-rate mortgages (ARMs) have interest rates that can change over time. Typically they start out at a lower interest rate than a fixed-rate loan, and hold that rate for a set number of years, before changing interest rates from year to year. For example, if you have a 5/1 ARM, you will have the same interest rate for the first 5 years, and then your interest rate will change from year to year. The main benefit of an adjustable-rate loan is starting off with a lower interest rate.

Interest Rate

This field is pre-filled with the current average mortgage rate. Your actual rate will vary based on factors like credit score and down payment.

Property Tax Rate

The mortgage payment calculator includes estimated property taxes based on the home's value. You can edit this in the advanced options.

Home Insurance

Home insurance or homeowners insurance is typically required by lenders, depending on the loan program. You can edit this number in the mortgage calculator advanced options.

HOA Fees

A homeowners association fee (HOA fee) is an amount of money that must be paid monthly by owners of certain types of residential properties, and HOAs collect these fees to assist with maintaining and improving properties in the association.

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