Prosperity Home Mortgage
Our Preferred Lenders
902 Savannah Hwy, Charleston, SC 29407
I was born in Little Rock, AR. I have made my home in Charleston since 1987. I have two children, Amelia Rose and my 1st grandson Macsen, also my favorite sidekick! James Dylan and my bonus daughter Erica Juras just gave me granddaughter #1 Olivia Rose; Sidekick #1 & I are already planning adventures with her too!
Education
University of Arkansas at LR; in the field as one of the first women zookeepers at the Little Rock Zoo. I was in charge of the monkey house! I had over 100 monkeys and apes under my care and was the lead keeper during the design of her housing and the acquisition of our then premier ape, Chelsea (yes she was named for Chelsea Clinton-who was 2 years old then-this name was changed later after I left the zoo); a darling 6 month old female orangutan. If you've ever looked into the eyes of an Orangutan, you will know that animals do have souls, no doubt. Dr. John gave a performance on the zoo grounds to help earn money for her display and care. Fun times for a 21 year old with our surprised lions and tigers roaring at the sound of music on the grounds of the zoo after dusk when they were used to having the place all to themselves!
Experience
I've been a REALTOR in Charleston for over 30 years. I am an avid volunteer in our community and I know my Charleston, SC. Where to eat, what art to see, which tours to take, who has the best nature tour boat rides, what's for breakfast, secret gardens and crazy natives. Ask me, I know lots of interesting Charleston lore and tons of wonderful people who call our fascinating city home. We are what makes Charleston the Best City on the Southeast coast! Call for your private tour.
Areas of Specialization
I specialize in waterfront and better quality homes and land across all price points. I know my market well and can show you the best that Charleston has to offer. I am interested in what you are looking for in a home. Tell me the details, I will listen. A home is more than the brick and mortar building, it is where you hang your heart & the place you turn to at the end of your day to seek comfort. I take my job very seriously and whether Selling or Buying, you can trust me to listen & use my extraordinary experience and care for my clients to guide you to just the right home for your moment in time. I am also funny and a great companion to ride with and learn the little intricacies of our beautiful city. I am an artistic person and love live music, so expect a unique experience filled with sound and color. You won't forget your time with Pam Dennis-Paxton, and will find yourself smiling someday at the memories. No lie, I am a hoot!!
Areas Served
James Island, Johns Island, Wadmalaw Island, West Ashley, & Hollywood, Ravenel, Meggett areas; all areas of Peninsular/Downtown Charleston including NOMO, the new hipster Park Circle area of NCHS, Folly Beach, Kiawah and Seabrook Islands. Mount Pleasant close-in and beyond Hwy 41, including Daniel Island; and the very special islands of Isle of Palms and Sullivan's Island are 2 of my favorite areas to show. If it is not in my normal area of expertise, I have colleagues I can recommend to help you and I will find the right one for your needs, I won't be happy until you are happy with your real estate purchase or sale.
Services Availiable
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.