Prosperity Home Mortgage

Our Preferred Lenders

Donna M Nixon
Donna M Nixon
Realtor® License ID: 20948

+1(843) 345-3176

100 Crowfield Blvd, Creek, SC 29445

https://donnanixon.com

Donna, a Charleston native, is known for her 23 years of extensive market knowledge, and her professionalism which can be attributed to her unmatched devotion to her clients. Most importantly Donna has earned her buyers and sellers trust, referrals, and repeated business by providing exceptional service and never forgetting she is working for you. She exceeds their expectations and has earned the respect of all in this industry by working tirelessly on her client's behalf.
Throughout her real estate career, Donna has mentored, helped and inspired over 15 Charleston Licensed Real Estate Agents to embrace real estate as a full-time career, experience ranging from six months to 15 years. She's hosted her own Radio show, Intouch with Realty, Organized Community Back 2 School supply
giveaway, and hosted countless Home Buyer and Seller Workshops. She has sponsored and organized the Who Got Game Charity basketball tournament, and she volunteers at her local Community Food Bank, Dress for Success, and My Sister's House, and Habitat for Humanity. She continues to teach children, young adults, and adults financial literacy.

Definitely where does she have the time? She does all of this and still has time to get her determined Clemson University freshman off to college during a pandemic, and she is also a loving and supportive Air Force veteran's wife.
Donna has that kind and gentle Southern charm while at the same time embodying strength, knowledge, and an unrelenting desire to go above and beyond. Donna is a Realtor who is not only passionate about helping her clients obtain generational wealth but just as eager to make sure they do not settle for less. She remains optimistic and ensures that her clients are well aware and informed during the entire process. She likes to WIN for her clients, and she prides herself in doing so with a contagious personality, classy calm demeanor, and always a smile.

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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