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Military Housing

Base Housing Wait @ 6-9 Months In Charleston

Weighing the benefits of buying against those of renting is something everyone needs to do. Let me help you with the buying benefits list. I can answer any of your buying questions.

Reasons Why

The Right Housing Is Important

You Want Them To Be Safe

Ensuring your child’s safety is of utmost importance when you are away.   Jim possesses knowledge of desirable locations for real estate purchases.

You Want Them To Be Happy

Good child care is essential for providing a nurturing and supportive environment that promotes your child’s well-being and development.

You Want Them In Good Schools

Good schools play a crucial role in providing quality education and shaping the future success of children.  We can certainly help you with finding a home where your children would be in good schools.

You Want Them To Feel Loved

Upon your return home, your loved ones will eagerly express their affection and longing for you, which is a privilege and responsibility exclusive to you as a parent. Jim can assist you in achieving this goal by helping you find that perfect home for your family.

About Me

Hi, I’m Nina Howell, a REALTOR® with Mills Team in the Tri-County Charleston Area.

I am from Charleston. I was born at the Naval Hospital in Charleston, SC in 1983. Some of my best and earliest memories were growing up in then Naval Housing in Goose Creek in the 80’s.

My father served in the Navy for over 20 years, my grandfather served in World War 2 with the Army, and three of my uncles also served in the military in various branches. I am passionate about the military and their families and have the upmost respect for those who serve or have served. I am also a mother and a wife. I believe in bringing compassion into all the work that I do, at home, working as a nurse, and with Real Estate.

NIna Howell

I recently completed a VA loan bootcamp and continue to educate myself with VA lending to help and serve you and your family’s needs.

  • I work with outstanding lenders and together, will guide you through your loan application, approval process and any help you need in between.
  • I’ll assist you with making informed decisions from a distance.
  • By utilizing technology, I’ll provide virtual tours, make video calls and video messages to provide detailed property information for those who are unable to visit the property in person.
  • I understand the challenges that may come into place when relocating with the military. I’d love to help navigate the complexities of moving.
  • I’ll assist in coordinating timelines, understanding housing allowances, and finding a suitable home near whichever base installation you are locating to.
  • I can ease the stress that comes along with relocating to a new home.
  • I can provide helpful information related to schools, recreational activities, community support services, amenities and any other information you may need during your relocation process, and help you acclimate to the new area throughout this process.

I truly look forward to assisting you in becoming a resident in the low country!

Summerville SC

112 West Doty Ave. Suite C

Call Nina

843-330-6271

Email Nina

Nina@MillsTeamRE.com

SERVICE YOU DESERVE. PEOPLE YOU TRUST.

CFPB: Understanding Loan Options
Where can I find the VA Homebuyer Guide?
Where can I find info about VA Home Loans?
Where can I find info about VA Home Loans?
What is Equity?

Base Housing Information

Base Housing Availability?
Navy Base Housing Availability
Air Force Base Housing Availability
Army Base Housing Availability
Marine Base Housing Availability
Coast Guard Base Housing Availability

Buyer's FAQ

What's the Initial Step for Buying a Home?

While attending open houses is more exciting than paperwork, the first step for homebuyers is participating in a buyer's interview to identify your wants and needs for your new  home.
Get pre-approved by a lender that understands the VA process as well as their options for loans.
This helps determine your affordable price range and sets a firm budget. Sellers will also take your offer more seriously when they know it's within your pre-approved limit.

How Does My Credit Score Impact My Home Loan?

When determining eligibility and affordability for a home loan, lenders consider your credit score. Typically, a score of 580 or higher is required to qualify, but it's recommended to aim for 620 or higher. A higher credit score may lead to better lending terms.

What Should My Down Payment Be?

The required down payment depends on the loan type, with most mortgage lenders requiring at least a 3% down payment. FHA loans typically need a minimum of 3.5% down. The exact percentage depends on factors like credit history, property type, and more. In 2014, the average down payment was 14%.

How Do I Search for a Home?

I will set up a search of the local MLS data base that matches your the needs & wants as established by your buyer's interview. You can narrow down results based on your price range, desired bedrooms, bathrooms, and more.

How Many Homes Should I View?

There's no set number of homes you should view before making an offer. Some find their dream home quickly, while others search for months. View as many homes as necessary to find the one that meets your needs.

How Safe is the Neighborhood?

Your real estate agent can't answer questions about crime statistics due to the Fair Housing Act. Before starting your house hunt, research crime data for the cities and neighborhoods you're considering to assess safety.

How good are the schools in the area?

Each of the listings that will be sent to you be the agent search will have the schools identified that your children will be attending if you live at that property address. Please utilize this link to access any information that you find desirable to about the school(s).

How Much Do Real Estate Agents Charge?

Typically, you're not directly responsible for paying a real estate agent when finding your dream home. The home seller pays their agent a percentage of the sale price, and that agent compensates the buyer's agent. A standard commission is 6% of the transaction, split between the agents.

What Home Service Companies Are Available?

Home service providers vary by location, so it's important to know the available options and compare and save money on services like cable, satellite, or internet in your new area. Your real estate agent can help you research and explore your options.

How Long Does the Home-Buying Process Take?

The timeline varies based on the state and property type. Once your offer is accepted, it typically takes around 30 days to close. FHA and VA loans may require a few extra days, while short sales can take 90 to 120 days on average to close.

How Will My Home Purchase Affect My Taxes?

Buying a home comes with tax benefits, but filing taxes can be complex if you're not used to itemizing. You can deduct mortgage interest payments, property taxes, closing points, interest on home equity loans, and more. Consider consulting a tax professional for guidance on itemizing.

Buying a home for the first time can be overwhelming, but working with an experienced real estate agent can help you navigate the process and address your questions.

Seller's FAQ

What's the Initial Step for Buying a Home?

While attending open houses is more exciting than paperwork, the first step for homebuyers is participating in a buyer's interview to identify your wants and needs for your new  home.
Get pre-approved by a lender that understands the VA process as well as their options for loans.
This helps determine your affordable price range and sets a firm budget. Sellers will also take your offer more seriously when they know it's within your pre-approved limit.

How Does My Credit Score Impact My Home Loan?

When determining eligibility and affordability for a home loan, lenders consider your credit score. Typically, a score of 580 or higher is required to qualify, but it's recommended to aim for 620 or higher. A higher credit score may lead to better lending terms.

What Should My Down Payment Be?

The required down payment depends on the loan type, with most mortgage lenders requiring at least a 3% down payment. FHA loans typically need a minimum of 3.5% down. The exact percentage depends on factors like credit history, property type, and more. In 2014, the average down payment was 14%.

How Do I Search for a Home?

I will set up a search of the local MLS data base that matches your the needs & wants as established by your buyer's interview. You can narrow down results based on your price range, desired bedrooms, bathrooms, and more.

How Many Homes Should I View?

There's no set number of homes you should view before making an offer. Some find their dream home quickly, while others search for months. View as many homes as necessary to find the one that meets your needs.

How Safe is the Neighborhood?

Your real estate agent can't answer questions about crime statistics due to the Fair Housing Act. Before starting your house hunt, research crime data for the cities and neighborhoods you're considering to assess safety.

How good are the schools in the area?

Each of the listings that will be sent to you be the agent search will have the schools identified that your children will be attending if you live at that property address. Please utilize this link to access any information that you find desirable to about the school(s).

How Much Do Real Estate Agents Charge?

Typically, you're not directly responsible for paying a real estate agent when finding your dream home. The home seller pays their agent a percentage of the sale price, and that agent compensates the buyer's agent. A standard commission is 6% of the transaction, split between the agents.

What Home Service Companies Are Available?

Home service providers vary by location, so it's important to know the available options and compare and save money on services like cable, satellite, or internet in your new area. Your real estate agent can help you research and explore your options.

How Long Does the Home-Buying Process Take?

The timeline varies based on the state and property type. Once your offer is accepted, it typically takes around 30 days to close. FHA and VA loans may require a few extra days, while short sales can take 90 to 120 days on average to close.

How Will My Home Purchase Affect My Taxes?

Buying a home comes with tax benefits, but filing taxes can be complex if you're not used to itemizing. You can deduct mortgage interest payments, property taxes, closing points, interest on home equity loans, and more. Consider consulting a tax professional for guidance on itemizing.

Buying a home for the first time can be overwhelming, but working with an experienced real estate agent can help you navigate the process and address your questions.

Using Your VA Home Loan Benefit

Top 5 Benefits of VA Home Loan Program

Testimonials

Mills Team
4.9
Based on 45 reviews
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Judi RJudi R
12:40 29 Oct 23
When you go to this agency work with Kellie England. She's caring,knowledgeable and just amazing. Our house sold quickly and she was there every step of the way to support us through the maze and issues of selling your home.
Stephanie RStephanie R
20:32 23 Aug 23
I really enjoyed working with Jim Mills and his team. He was always there every step of the way and was very professional. He got our home sold for top dollar, so we could move on to the next chapter in our lives.
Carlos RCarlos R
23:31 08 Aug 23
For anyone looking for a great realtor, Kellie is awesome. She was very helpful from start to finish. Being out of state, we couldn't have done it without her. She exceeded my expectations.
Aida HernandezAida Hernandez
16:50 08 Aug 23
Kellie is the best. She helped me when I bought my first home and then when I sold that home to move out of state. Now moving back home I didn’t hesitate to reach out to her and she went above and beyond to help us find the perfect home for our family. She really is the best!
Brobud StudiosBrobud Studios
17:32 21 Jun 23
We made the big jump to purchase our first house and Kevin helped us every step of the way including the move! I highly recommend Kevin in the Mills Group Charleston to anyone looking to buy a home.
Laura KelloggLaura Kellogg
17:14 01 Jun 23
Kellie England with the Mills Group - NextHome The Agency Group is a fantastic realtor with a great group. Everyone there is a hard worker, and very knowledgeable and experienced with the Greater Charleston market. I highly recommend them!
Tammy ReadTammy Read
16:38 01 Jun 23
What a great experience I had working with Kellie England! She took the time to talk to me, to figure out what I was looking for in my forever home. She found me many good options. She really gave me her personal and devoted attention. Kellie made finding my home such a pleasant experience. She is very knowledgeable and professional. Great personality! I highly recommend Kellie England if you're looking to buy or sell property. She is amazing.
RK HRK H
14:24 10 May 23
Kevin and the Mills Team were fantastic. We have many obstacles in selling our home but they handled no problem.
Terry HawleyTerry Hawley
23:01 24 Sep 22
Jim Mills has been our realtor for over 20 years. He has always been very knowledgeable, professional and respectful. He has been a tremendous help in every aspect. He also has a lot contacts in home repairs, and home inspections. He always gives us sound and trusted advice. Through all the years he has not only been our realtor, but he has also become a trusted friend. So if you need a fantastic realtor that you can trust give Jim Mills a call. Sincerely Terry Hawley.
Theresa GrableTheresa Grable
11:56 10 May 22
The Mills Team has become our family realtor. My children bought a house through Jim Mills, and I am on my second. Very knowledgeable and quickly get things done. I am very happy and am looking forward to working with them in the future.
Mark MalamisuraMark Malamisura
18:10 28 Apr 22
Jim Mills and Debbie Heiney Rasnick we’re the perfect team to sell my home and find the new home I’ve been looking for in the country! Jim worked hard to double check and correct the square footage in the home I was selling that was previously misreported. Once the house went on the market Jim had it sold within 10 hours with five offers all over asking price! Jim is extremely knowledgeable in the real estate market and will make your sale smooth.Once sold, Debbie kept the transaction flowing and on time with the paperwork organized for both the sale and purchase of the new home with perfection.Awesome team with truly awesome personalities! Thanks to Jim and Debbie for your patience and understanding!
Adriana BrooksAdriana Brooks
13:34 25 Feb 22
My husband and I had the best experience buying a house with the Mills Team! Our relator was Kellie England, she walked us through every step of the way. We felt supported, appreciated and heard on what we were looking for in our new home. I 100% recommend the Mills Team to anyone looking for an enjoyable and stress free home buying process.
Lyle PierceLyle Pierce
13:13 14 Jan 22
Jim Mills and his team at the Mills Team are great people. Jim is a true Professional and a joy to work with. Best realtor experiance yet and this is our fifth time building. I will be using him and his team again when we start looking for a home for our son. I have no hesitations at all when recommending him. Perfect example of why my wife and I decided to move back to Summerville and South Carolina...because of the great people of South Carolina. Great job Jim, THANK YOU!
Emily BaileyEmily Bailey
18:06 07 Sep 21
My husband and I moved to South Carolina from out of state and we are sooo thankful we connected with Tami Gordon at the Jim Mills group. She was very professional and prompt. She made us feel like we were her first priority always. She helped us navigate this crazy market with ease and talked us through negotiations. I can not say enough great things about Tami and the Mills Team. If you want someone who will work hard to help you find the perfect home then Tami is your girl. I would highly recommend her!
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Our Agents Have A combined 91 years of experience Yes, Experience does count

Mills Team Logo

Jim Mills

Kellie England

Kevin Hoffman

Nina Howell

Debra Heiney Rasnick

Jim Mills

Kellie England

Kevin Hoffman

Nina Howell

Debra Heiney Rasnick

Jim W Mills
 
Certifield Residential Specialist
Agent For Over 22 Years
 
Jim W Mills holds the prestigious Certified Resindenial Specialist designation, which places him in an elite group of professionals that accounts for less than 4% of all realtors across the country.

How You Can Reach Me

Phone: 843-830-3800

Office – 112 West Doty Ave. Suite C Summerville South Carolina 29483

 

Email Jim Mills

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A Word From Jim

“I take care of folks. I love the challenge.
 I get to be involved in one of the three most important events in a person’s life.
 I get a great deal of satisfaction from accomplishing something with them and for them.”

Referral

This highly professional team, led by Jim Mills, has provided us with confidence, convenience and the utmost satisfying conclusion to one of the largest investments most people make today. In addition, the salesmanship techniques that Jim uses never created a question. Jim’s expertise, foresight, and personable mannerism rank Jim in our minds as the top of his profession.

– Jan & Brian Pickens, Recent Clients

About Jim W Mills

Jim W Mills holds the prestigious Certified Residential Specialist designation, which places him in an elite group of real estate professionals that accounts for less than 4% of all realtors across the country.

 

Jim brings over 40 years of sales experience together with a deep commitment to ethics. He is highly driven to provide the absolute best service to his valued clients. When he first began his career in real estate in 1999, Jim won numerous sales awards beginning with the “Rising Star Award” given to a new agent showing the most promise.

Since then, he has consistently placed in the top producers in the Charleston area. In 2003, he was awarded for the most homes sold (110) and the most homes listed.

Motivated to serve all of his clients to the very best of his ability, Jim focuses each day on every phase of the real estate transaction process. His goal is to conduct himself and his business with the utmost integrity, the keenest knowledge and the most effective negotiating skills, which has solidified his reputation both among his current and former clients and his peers.

Jim has lived in the Lowcountry since 1989. He originally grew up in the hills of Kentucky and at the age of eighteen began a career in insurance sales and accumulated decades of experience in sales management, which has lent largely to his success in real estate sales today. When Jim joined NextHome The Agency Group, he was particularly impressed by the agency’s ongoing commitment to training, moral values, and ethics.

Jim built his business as a real estate agent by focusing on serving one person at a time beginning in the Goose Creek and Summerville, SC market. Today, he continues to focus greatly on education, team development and competitive advantage in the local housing market. His comprehensive list of credentials includes ABR, GRI and CRS designations. Moreover, he has a well-established network of professional relationships with lenders, attorneys, and other realtors that directly benefits
all of his clients.

Jim is a member of the South Carolina Association of REALTORS®, the National Association of REALTORS®, and the Charleston Trident Association of REALTORS®. He lives in Berkeley County with his wife, Pam. He is a regular sponsor of several youth activities including youth athletic teams for the local recreation commission.

Call Jim Today At 843-830-3800

Kellie England
 
Lead Buyers Agent
Agent For Over 15 Years

I am Kellie England, the Buyer’s Agent for the Mills Team, at Long & Foster Real Estate.  I originally began my career as the Charleston area Listing Agent for HUD (government-owned homes).

How You Can Reach Me

Phone: 843-324-6804

Office – 112 West Doty Ave. Suite C Summerville South Carolina 29483

 

Email Kellie England

10 + 6 =

About Kellie England

I am Kellie England, a Realtor for the Mills Team at Long & Foster Real Estate. I have been selling real estate in the Charleston market since 2009 (14 years). My family and I moved from New Mexico to South Carolina in 2008, because we wanted a little ocean with our sand!

I originally began my career as the Charleston area Listing Agent for HUD (Government foreclosures). In 2012, I moved my license to another agency to expand my knowledge and broaden my selling skills and efforts. While at this agency, I was mentored by seasoned agent, Jim Mills, and within the year asked to join the Group and I gladly accepted.

Together with our Commercial Agent, Christina Sineath, fellow Realtors, Kevin Hoffman and Nina Howell, and our Administrator assistant, Debra Heiney, I am able to provide premier real estate services to all of my clients.

Our Group is a powerhouse of knowledge and skill and able to tackle any real estate issue or concern along the way to your successful closing.

I believe in serving my community in one capacity or another; from my charity and church volunteer work to educating and guiding folks to make sound decisions towards real estate ownership. It would be my privilege to serve you too, whether you are buying or selling. I look forward to working with you.

Professional Summary

South Carolina licensed REALTOR with 9+ years experience in the Tri-County area of Charleston’s residential real estate market with expertise in luxury to investment property.

As a member of the Mills Team since 2013, my Team and I have helped close over 1400 real estate transactions. We treat our clients like Family.

Awards, Accreditations, & Acknowledgements

2014 – Present Long & Foster Real Estate – Listing Agent, Buyer Agent, and Marketing Director for the Mills Team with over $14 Million in volume sales.
2013 – 2014 Keller Williams – Buyers Agent for the Mills Team with over $2 Million in volume sales.
2012 – 2013 Carolina One Real Estate – Buyers Agent for the Mills Team with $1 Million in volume sales
2009 – 2012 Gracious Living Real Estate – Listing Agent for HUD.

Skills & Expertise

Contract Drafting & Negotiations
MLS Expert
First-Time Home Buyer Specialist
Foreclosure Specialist
Property Management Services
2018 Realtor of Distinction
AgentOwned Mentor to New Agents
AgentOwned Open House Specialist and Trainer
Effective Marketing for Listings
Property Value Analysis Expert
Investment Property Acquisition Specialist
Exceptional Customer Service
Problem Solver

Referral

“Kellie England helped make buying our first home such a good experience! She was always able to answer our questions (big & small) and worked with us for over a year until we were ready to start looking at houses. We found the perfect home and closed on time with no issues at all. Kellie is friendly, personable, trustworthy, reliable, and knowledgeable in her field and will make sure you get the best deal possible.”

– Taylor Koehn

Call Kellie Today At 843-324-6804

Kevin Hoffman
 
Agent For Over 26 Years
 
Central to Kevin’s success is his dedication to his clients.  He is the consummate real estate professional who is focused and insightful to each client’s requirements, listening to and understanding their neeeds, and delivering results that exceed expectations.

How You Can Reach Me

Phone: 843-697-3501

Office – 112 West Doty Ave. Suite C Summerville South Carolina 29483

 

Email Kevin Hoffman

4 + 13 =

About Kevin Hoffman

Central to Kevin’s success is his dedication to his clients. He is the consummate real estate professional who is focused and insightful to each client’s requirements. Kevin’s gift is connecting with people, listening to and understanding their needs, and delivering results that exceed expectations.

With 26+ years of real estate success in the Lowcountry, Solid communication skills accompanied by his positive, hardworking attitude guarantee Kevin’s clients the best possible service. His fortitude offers clients the highest level of professionalism. For Kevin, it’s a tremendous honor to help someone buy their new home and realize their dreams.

In addition, Kevin’s two-decade Real Estate Sales experience includes both custom and production of New Homes. His experience is a valuable source of information that includes development, construction, and design for any home buyer.

Kevin has consistently been one of Charleston’s top-producing Realtors, earning numerous awards for sales and customer satisfaction.

Kevin lives in Summerville with his wife Mary and two children. He spends his free time at the beach, fishing & golfing, and time with his family and friends.

Referral

Kevin and the Mills Team were fantastic. We have many obstacles in selling our home but they handled no problem.

Call Kevin Today At 843-697-3501

Nina Howell

Agent

Nina Howell was born and raised in South Carolina, spending most of her life in Goose Creek, so she is familiar with the beautiful low country and tri-county area.  She is ready to use her love and skill of helping others with all her heart in the real estate field.

How You Can Reach Me

Phone: 843-330-6271

Office – 112 West Doty Ave. Suite C Summerville South Carolina 29483

 

Email Nina Howell

4 + 5 =

About Nina Howell

Call Nina Today At 843-330-6271

Debra Heiney Rasnick
 
Agent For Over 25+ Years

Debra Heiney Rasnick is a licensed agent and has been with the Mills Team since 2000.  Debra’s key strengths are her tremendous work ethic and attention to detail and personal appreciated by a large number of clients she has served.

How You Can Reach Me

Phone: 843-343-3971

Office – 112 West Doty Ave. Suite C Summerville South Carolina 29483

 

Email Debra Heiney Rasnick

15 + 15 =

About Debra Heiney Rasnick

Debra Heiney Rasnick is a licensed agent and has been with the Mills Team since 2000. Debra’s key strengths are her tremendous work ethic and attention to detail-personal appreciated by a large number of clients she has served.

Referral

Jim Mills and Debbie Heiney Rasnick we’re the perfect team to sell my home and find the new home I’ve been looking for in the country! 

Jim worked hard to double check and correct the square footage in the home I was selling that was previously misreported. Once the house went on the market Jim had it sold within 10 hours with five offers all over asking price!  Jim is extremely knowledgeable in the real estate market and will make your sale smooth.

Once sold, Debbie kept the transaction flowing and on time with the paperwork organized for both the sale and purchase of the new home with perfection. Awesome team with truly awesome personalities! Thanks to Jim and Debbie for your patience and understanding!

Call Debra Today At 843-343-3971

Services We Provide

Our team comprises reliable and seasoned professionals who are ready to support you throughout the home-buying process.

Real Estate Appraisal

Finance Options

Featured Home Lenders

Individualized Home Searches Via Email

Buy Property

Featured Properties

Buyer Interview

To determine wants and needs