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Experience the Simonini Difference Lynnwood City Homes is a collection of six exclusive Simonini homes Located in the heart of Myers Park. From the picturesque, tree-lined streets of Queens Rd West, to the Greenway connecting Park Road Shopping Center, Freedom Park and Uptown... you can walk to EVERYTHING!! Redefine your lifestyle at Lynnwood, where shopping, dining and entertainment are all within minutes of your home!
NOW AVAILABLE MLS# 3382243 | 2039 Lynnwood Drive | $799,900 MLS# 3381761 | 2043 Lynnwood Drive | $899,900
Contact Holly Gantt for more information
980.722.3641 | Holly@Simonini.com
SouthPark City Homes 3006 Fairview Villa Court Charlotte
Custom Homes
1211 Princeton Avenue Charlotte
Final opportunity to purchase a Simonini home at SouthPark City Homes.
Two custom home opportunities. Three blocks from Freedom Park and the Greenway. Minutes from Uptown.
For a prestigious address, high-end shopping, and some of the city’s best culinary options, no other area of Charlotte is quite like SouthPark.
Take advantage of this rare opportunity to design and build a Simonini Custom Home in Myers Park!
Contact Angela Butler for more information 704.906.6729 Angela@Simonini.com Custom Homes | Luxury Neighborhoods | Renovations
Contact Angela Butler for more information 704.906.6729 Angela@Simonini.com Simonini.com | | Design Studio | Get Social With Us
MYERS PARK: 1731 SHOREHAM DRIVE | $1,499,900
Clean lines, soaring ceilings and abundant natural light, these are just a few of the amazing features of this contemporary 4 Bed/3.1 Ba. architectural masterpiece.
STONECROFT: 7322 FAIRWAY VISTA DRIVE | $1,245,000
4-bedroom, 4.2-bathroom home on a secluded cul-de-sac with a dramatic 2-story foyer, gourmet kitchen & sprawling master suite that includes wet bar/den!
KATHY LANCASTER
REALTORÂŽ | BROKER 704.534.5552 klancaster@dickensmitchener.com Contact real estate expert Kathy Lancaster for more information on these properties & all your real estate needs today!
MYERS PARK
pAT T Y H E N D R I X BROKER / REALTOR ® Top Producer
704-577-2066 PAT TY@hmproperties.com HMPROPERTIES.COM
MYERS PARK
MYERS PARK
2 0 5 9 H O P E DA L E AV E N U E
1 2 5 5 Q U E E N S R D. W
C H E L S E A S Q UA R E
6 BR | 6.1 BA | 7,635 sq. ft.
4 BR | 4.2 BA | 6,407 sq. ft.
3 LUXURY TOWNHOMES
$2,699,000
$2,495,000
Priced from $1,595,000
Fabulous home in the heart of Myers Park.
One of Charlotte’s most exquisite homes
This luxury townhome development on
Large rooms, high ceilings, chef’s Kitchen
circa 1920 situated on a magical & private
Chelsea Drive with 3 & 4 bedroom plans
with island open to Breakfast Room & Great
.83 acre fenced corner lot with 2 ponds.
will feature one-of-a-kind interior designs.
Room with fireplace. Screened porch. MBR
Ideal floor plan for entertaining. Formals,
The open plans include wide plank white
Suite with sitting area. Walk-in closets. 3rd
Sunroom, Study, Kitchen opens to vaulted
oak flooring, well-appointed kitchens, cove
floor Bonus Room with bar/refrigerator,
2 story Great Room w/beamed ceiling, 4
molding, high ceilings, LR with gas fireplace,
office & full bath. Finished lower level. Pool
fireplaces. MBR Suite with sitting room,
private courtyard with outdoor fireplace,
house with sitting room & 6th BR/Guest
Library, Loft, Play Room, Office. Lower level
attached 2 car garage, security system,
Suite. 2 car garage, electric gate & more!
Rec Room, Media Room & wine cellar.
“smart” wiring, and private elevator option.
A Jim Gross Company development
24 FULL FLOOR RESIDENCES | 2-4 BR PLANS PRICED FROM $1,295,000 Jim Gross has created a unique and visionary development located at the intersection of two of Charlotte’s most iconic roads, Queens and Providence. Opus Myers Park offers 24 full-floor, premium-finished residences with windows in nearly every room and no shared lobbies or hallways. Each of the five steel and concrete buildings will serve to create a gas-lit urban mews recalling many European pedestrian streets with their cozy intimate feel. Opus Myers Park offers the opportunity to own a premium home in an extraordinary location.
1333 Queens Road, Charlotte NC 28207 OpusMyersPark.com | 704-909-5033 val e ri e m i tche ne r OW N E R / B R O K E R 70 4 - 57 7- 8 2 0 0 valerie@hmproperties.com h m p ro p e r t i e s .c o m
THE EXTRAORDINARY
Lauren Alexander 704.996.3468
Matthew Alexander 704.560.2527
Giles Barker 704.322.7747
PremierSothebysRealty.com
Laurie Beaty 704.993.8773
Tanya Brown 704.345.4384
Keith Costigan 267.222.2806
Susan Freshcorn 704.989.0690
Sarah Kelley 704.956.6536
Gail McDowell 704.989.6565
George McDowell 704.989.6752
Joseph Sibielski 704.617.7500
Stephanie Todd 704.904.1681
Charlie Williams 704.737.7741
PremierSothebysRealty.com
CALL US FOR YOUR INTRODUCTION TO THE EXTRAORDINARY
CHARLOTTE OFFICE 704.248.0243
Sotheby’s International Realty® and the Sotheby’s International Realty logo are registered service marks used with permission. Each office is independently owned and operated. Equal Housing Opportunity.
Your Best Source for Residential Real Estate. Contact your preferred Myers Park neighborhood expert for more details today!
1930 QUEENS ROAD WEST | $3,250,000
2210 HOPEDALE AVENUE | $2,999,999
412 HERMITAGE COURT | $1,195,000
3014 FOREST PARK DRIVE | $809,000
A stunning one-of-a-kind estate home on double size lot located on one of Charlotte’s most premier streets. Contact Owner/Broker Vicky Mitchener at 704.517.0177 or vmitchener@dmahomes.com for more details.
Charming bungalow on one of Myers Parks historical streets with covered front porch, high ceilings, lots of light, formal living & dining with an updated kitchen. Contact Realtor®/Broker Isabel Roberts at 704.607.5560 or iroberts@dmahomes.com for more details.
Wonderful home in walkable Myers Park! This historic 1924 estate home was designed by Don Duffy and fully renovated for modern living by Kaleel Builders. Contact Realtor®/Broker Sarah Curme at 704.578.0111 or scurme@dmahomes.com for more details.
Beautifully renovated, next to Freedom Park, with fresh paint inside & out, new hardwoods. Open House Saturday 5/19 from 2pm-4pm. Contact Realtors®/Brokers Jimmy Rountree at 704.608.8656/jrountree@dmahomes or Sharon Rountree at 704.608.0448/srountree@dmahomes.com for more details.
704.342.1000 | dickensmitchener.com Download the Dickens Mitchener App today, available in the App & Play Stores!
C H A R L O T T E
home design
- dedicated to showcasing distinctive homes all over the southeast -
C H A R L O T T E
home design - dedicated to showcasing charlotte’s distinctive homes -
OUT-OF-MARKET FEATURE
SPECIAL EDITION
NC HIGH COUNTRY MOUNTAINS EDITION
THE POOL ISSUE SATURDAY, JUNE 2nd 2018
SATURDAY, MAY 26th 2018
C H A R L O T T E
home design
- dedicated to showcasing distinctive homes all over the southeast -
Charlotte’s premier real estate publication viewed by 339,500 readers weekly! Space Reservation: Wednesday, May 23rd. For more information, contact
C H A R L O T T E
home design - dedicated to showcasing charlotte’s distinctive homes -
Buck Brice (704) 358-5454 BBrice@CharlotteObserver.com C H A R L O T T E
home design - dedicated to showcasing charlotte’s distinctive homes -
SPECIAL EDITION
MARVIN, WAXHAW & WESLEY CHAPEL
Charlotte’s premier real estate publication viewed by 339,500 readers weekly! Space Reservation: Wednesday, May 30th. For more information, contact
Buck Brice (704) 358-5454 BBrice@CharlotteObserver.com C H A R L O T T E
home design - dedicated to showcasing charlotte’s distinctive homes -
SPECIAL EDITION
CORNELIUS
SATURDAY, JUNE 16th, 2018
SATURDAY, JUNE 9th, 9th, 2018 2018
C H A R L O T T E
home design - dedicated to showcasing charlotte’s distinctive homes -
Charlotte’s premier real estate publication viewed by 339,500 readers weekly! Space Reservation: Wednesday, June 6th. For more information, contact
Buck Brice (704) 358-5454 BBrice@CharlotteObserver.com
C H A R L O T T E
home design - dedicated to showcasing charlotte’s distinctive homes -
Charlotte’s premier real estate publication viewed by 339,500 readers weekly! Space Reservation: Wednesday, May 16th. For more information, contact
Buck Brice (704) 358-5454 BBrice@CharlotteObserver.com
Straightforward & Knowledgeable Real Estate Advice UNDER CONTRACT
MUST-SEE INTERIOR
MORROCROFT FARMS 4412 Cameron Oaks Drive $1.975 M
PROVIDENCE DOWNS SOUTH
1617 Funny Cide Drive $1.249 M
UNDER CONTRACT
12,000 SF, 2 ACRES
CARMEL COUNTRY CLUB 4842 Carmel Club Drive $2.995 M
PROVIDENCE DOWNS 8800 Victory Gallop Court $998,000
3,700+ SF
BEST VALUE IN ROSEWOOD
SOUTHPARK 2823 Providence Road #264 $1.495 M
SOUTHPARK 2823 Providence Road #215 $798,000
I’m here to assist you with all your real estate needs.
Dee Reid 704-281-3913
DeeReid@IvesterJackson.com DeeReidRealty.com
6100 Fairview Road, Suite 1202, Charlotte, NC | DeeReidRealty.com
Charlotte’s
3.199 M
4.95 M
MOST DISTINCTIVE HOMES
IvesterJackson.com | Info@IvesterJackson.com | 704.499.3054
MORROCROFT ESTATES
PELLYN WOOD
MLS 3254980 | 2019 Craigmore Drive Agents: Tracy Davis 704-779-9750 Reed Jackson 704-713-3623
MLS 3197936 | 7545 Morrocroft Farms Lane Agents: Reed Jackson 704-713-3623 Cindy Castano Swannack 704-904-6619
1.399 M
$1,599,999
1.175 M
NEWLY LISTED
1.374 M
OPEN HOUSE SUN. 5/20, 2-5 PM THE PALISADES GOLF & COUNTRY CLUB MLS 3374052 | 16919 Youngblood Road Agents: Tracy Davis 704-779-9750 Alison Smith 704-996-6747
PELLYN GROVE
MLS 3365528 | 2032 Delpond Lane Agent: Randy Coble 704-781-7343
1.325 M
1.5 M
AERO PLANTATION -WAXHAW MLS 3390694 | 825 Eagle Road Agent: Lisa McCrossan 704-620-0328
570 K
CANE POINTE - WAXHAW
MLS 3239533 | 6911 Nesbit Road Agent: Betsy Stec Market 704-619-8603
510 K
PRICE REDUCED THE FARMS AT HEARTWOOD - WAXHAW MLS 3349114 | 8608 Waxhaw Creek Road Agent: Cindy Castano Swannack 704-904-6619
CHATELAINE - WEDDINGTON MLS 3379048 | 724 Beauhaven Lane Agent: Cindy Castano Swannack 704-904-6619
WHY I V EST E R JAC KS O N CHRISTIE’S?
CHAMPION FOREST - WAXHAW MLS 3385816 | 1231 Dobson Drive Agent: Jennifer Ford 704-634-6429
PROVIDENCE POINTE
MLS 3367242 | 15003 Redwood Valley Lane Agent: Betsy Stec Market 704-619-8603
• Over 1300 affiliate offices worldwide • Engage the world’s most affluent audience • Local expertise, tailored service, Christie’s credibility
- La k e Nor m a n C ol l e c t ion 7.2 M
4.275 M
NORMAN ESTATES - DENVER
MLS 3388984 | 8495 Norman Estates Drive Agent: Lori Ivester Jackson 704-996-5686
2.35 M
THE ENCLAVE - CONCORD
MLS 3384441 | 10158 Enclave Circle Agent: Liza Caminiti 704-526-6695
1.385 M
2.75 M
THE PENINSULA - CORNELIUS
3.65 M
LAKE NORMAN - CORNELIUS
CORNELIUS WATERFRONT
MLS 3375315 | 16101 Jetton Road MLS 3352109 | 18525 Peninsula Club Drive Agents: Melinda Meade-White 704-534-9208 Agent: Tracy Davis 704-779-9750 Berry Bean 704-609-3353
21215 Senlac Lane Agent: Lori Ivester Jackson 704-996-5686
1.999 M
1.795 M
1.799 M
MAPLE GROVE - IRON STATION MLS 3385936 | 500 Greywalls Lane Agent: Reed Jackson 704-713-3623
ENCLAVE - CORNELIUS
MLS 3362162 | 20353 Enclave Oaks Court Agent: Lori Ivester Jackson 704-996-5686
845 K
869 K
LAKEVIEW PARK - MOORESVILLE Patrick Joseph New Construction Home MLS 3385932 | 310 Camino Real Road Agent: Reed Jackson 704-713-3623
715 K
PRICE REDUCED
BEECH TREE BAY - MOORESVILLE
MLS 3383859 | 131 Chestnut Bay Lane Agents: Lori Ivester Jackson 704-996-5686 Jackie Morgan 704-578-6682
IvesterJackson.com Info@IvesterJackson.com 704.499.3054
DAVIDSON
MLS 3385940 | 10760 Dellinger Drive Agent: Lori Ivester Jackson 704-996-5686
THE PENINSULA - CORNELIUS
MLS 3374736 | 17709 Springwinds Drive Agent: Marlene Ritts 704-999-3837
LAKEWOOD - MOORESVILLE
MLS 3380375 | 1106 Fern Hill Road Agent: Michelle Campos 704-756-5887
Offices Charlotte Lake Norman Asheville
SummerSale Specials Now Available
U P TO $ 25,0 0 0* IN SUMM E R SAV I NG S Take advantage of special summer pricing NOW in all of our Charlotte area communities and enjoy a “staycation” in your new home... just where you want to be. From acre+ homesites and single-level living to luxurious gourmet kitchens and outdoor living spaces, Century Communities delivers the vacation of your dreams just inside your new front door.
THE ULTIMATE CHARLOTTE
SummerStaycation G I V E AWAY
Register at any of our communities before June 15, 2018 to win* the Ultimate Charlotte Summer Staycation Giveaway with up to $1,300 in passes and gift cards to some of Charlotte’s favorite attractions and a $250.00 Shopping Spree*!
JOHNSON MANOR | Mooresville
OLDE STONEGATE | Mint Hill
HOLLYBROOK | Mooresville
MARVIN CHASE | Ballantyne
PLEASANT OAKS | Concord
WYNDMOOR | Marvin
CEDARVALE FARM | Midland
HIGHCLERE | Weddington
HADLEY AT ARROWOOD | Charlotte
GREENBRIER | Waxhaw
Few Remain From the Low $200’s | 704-658-1024 From the High $300’s | 704-288-1222 From the Mid $200’s | 704-774-3960 From the High $200’s | 704-312-8684 Townhomes From the $200’s | 704-909-7088
Two Remain From the Mid $300’s | 704-900-7149 From the High $400’s | 704-312-0900 From the $600’s | 704-800-6395 From the $600’s | 704-844-2808 From the $300’s | 704-909-7088
Learn more at CenturyCommunities.com/NorthCarolina for locations and the latest offers. *Summer Sale Promotion valid May 15, 2018 – June 15, 2018. Passes and Gift Cards valued at $1,300 and may not be exchanged for cash. Shopping Spree valued at $250 and may not be exchanged for cash. One entry per household. Winner selected randomly by at Century Communities employee on June 16, 2018 and will be notified by Century Communities employee by phone. Need not be present to win, Century Communities employees and affiliates not eligible. Summer Sale Promotion also consists of up to $25,000 in savings based upon current pricing vs. original list price on select move-in ready homes at select communities. Offers are contingent upon buyer closing a loan with our affiliated lender, Inspire Home Loans, and is subject to limits. See a sales representative for details. The combined value of seller incentives, credits and other seller contributions may exceed lender limits established for the loan program for which homebuyer qualifies. Homebuyer should ask Inspire Home Loans about the impact of such limits. Price, plans and terms are effective on the date of publication and subject to change without notice. Depictions of homes or other features are conceptual. Decorative items and other items shown may be decorator suggestions that are not included in the purchase price and availability may vary. Depictions of homes or other features are conceptual. Housing options are open to all without regard to race, color, religion, sex, handicap, familial status, or national origin. ©5/2018 Century Communities. NMLS#1564276
The Summer Of Smiles
OPEN HOUSE WEEKEND! Visit us Saturday & Sunday
$10,000 in Design Options when you sign a contract with us this summer!*
Epcon Communities is known for building low-maintenance, single story homes in smart, amenity-rich neighborhoods across the United States. The Courtyards of Huntersville 8238 Parknoll Drive, Huntersville, NC 28078 The Courtyards at Blume Point 120 Blume Road, Mooresville, NC 28117 The Courtyards at Kinnamon Park 9202 Edelweiss Lane, Huntersville, NC 28078 The Courtyards on Lake Norman 16006 Lakeside Loop, Cornelius, NC 28031 The Courtyards at Wesley Chapel 1619 Cuthbertson Road, Waxhaw, NC 28173 The Courtyards at Emerald Lake 1307 Garden Vista Drive, Stallings, NC 28104
EpconCommunities.com • 855-868-4604 * Offer available on firm contracts through June 30, 2018. Not valid at all locations. Please see your Epcon Sales Associate for locations and restrictions.
C HARLOT TE
NEW PHASE ES
M
W
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E - I N R E A DY
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Explore New Homesites • Tour Designer-Decorated Models Enjoy Refreshments • “Virtual” Clubhouse Tour
S
NE
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HOMESI
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A NEW PHASE FOR YOUR NEXT PHASE
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NEW PHASE RELEASE & CLUBHOUSE PREVIEW Saturday, May 19 • 11 AM – 4 PM 25 MINUTES FROM UPTOWN | 17,000 SQ. FT. CLUBHOUSE EASY ACCESS TO SHOPPING, DINING AND ENTERTAINMENT WALKING DISTANCE TO NEW NOVANT HOSPITAL 9 DESIGNER MODEL HOMES NEW HOMES FROM THE MID $200s TO $400s
Trade Tryon Model Homes Just Released
855-799- 4084 CHARLOTTE, NC
CresswindCharlotte.com © 2018 Cresswind is a registered trademark of Kolter Homes. Prices, homesites, home designs and other information subject to errors, changes, omissions, deletions, availability prior sales and withdrawal at any time without notice.
$275,000,000 Cindy Barnes Over in career sales (704) 367-7203
ED
UC
D RE
Lovely Challis Farm custom home w/1st floor master. Updated kitchen; new paint, carpet. Gated community w/cart access to Carmel CC. 5604 Challis View Ln - MLS# 3369414 - $650,000
Executive home w/trendy updates & great floor plan. Highway 51 area; close to everything! 8700 Brownes Pond Ln MLS# 3362520 - $650,000
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Classic Charlotte home offers in-law suite and private office space. Desirable Carmel Road location. 4900 Lindstrom Drive MLS# 3388986 - $525,000
TIN LIS
Substantial home in South Charlotte swim/tennis neighborhood. 3.5 baths & two masters. Great price! 5529 Sunstar Court MLS # 3390568 - $525,000
Considering downsizing? Overwhelmed? If you need a place to start, call me for a practical, step-by-step approach.
HAND IT OVER Cindy.Barnes@allentate.com
OUTDOOR OASIS
SALES EVENT MAY 19–27, 2018
ENJOY LIMITED-TIME SAVINGS ON SELECT OUTDOOR FEATURES! Purchase a home in North Carolina or South Carolina during this special event and you’ll be able to add even more style, elegance, and value with luxury outdoor living upgrades for a limited-time only.*
FOR PARTICIPATING COMMUNITIES AND DIRECTIONS, VISIT TOLLBROTHERS.COM/OBS Open Sunday and Monday 1 pm–6 pm; Tuesday-Saturday 10 am–6 pm. Brokers welcome. Homes available nationwide. Prices subject to change without notice. *Offer, if any, is valid for new buyers who purchase a home in a participating community in North Carolina or South Carolina and deposit between 5/19/18 and 5/27/18, sign an agreement of sale, and close on the home. Offers, incentives, and seller contributions, if any, vary by community and are subject to certain terms, conditions, and restrictions, including but not limited to the availability of home sites. Toll Brothers reserves the right to change or withdraw any offer at any time. Not valid with any other offer. See sales representative for details. Photos are images only and should not be relied upon to confirm applicable features. This is not an offering where prohibited by law.
Download the Toll Brothers App today
Free Installation Carpet - Hardwood Laminate - Vinyl
SCHEDULE A FREE IN HOME APPOINTMENT TODAY! 877-50-FLOOR www.50FLOOR.com
GET AN ADDITIONAL $100 DOLLARS OFF WHEN YOU USE Charlotte Observer - Richard Karn
FREE INSTALLATION ON ALL CARPET, HARDWOOD, LAMINATE AND VINYL
Mortgage Guide Institution
30 yr APR
4.384% Mecklenburg Mortgage
30yr Fixed APR
30 yr Fixed
30yr Fixed APR
Product
Rate
Points
Fees
% Down
APR
Phone Number / Website
Rate: 4.375
15 yr xed
3.750
0.000
$295 20% 3.766
Points: 0.000
7/1 yr Arm
3.875
0.500
$975 20% 3.884
704-412-9131
Fees: $295
30 yr jumbo 4.375
0.000
$975 20% 4.401
www.mecklenburgmortgage.com
% Down: 75%
4.263% Best Rate Mortgage
The Charlotte Observer NMLS # / License #
NMLS #: 1190352
LIC# 161067
5 Star rating on Google. Rate qoutes 7 days a week
Rate: 4.250
15 Yr Fixed 3.750
0.000
$0
5% 3.756
Points: 0.000
7/1 Arm
0.000
$0
5% 3.785
Fees: $0
LOCAL IN CHARLOTTE FOR 30 YEARS! OPEN SATURDAYS! A+ BBB RATING!
% Down: 5%
FREE FLOATDOWN IF RATES DROP! ZERO CLOSING COST OPTIONS!
3.750
NMLS #: 115183
704-529-1233
LIC# 103395
www.bestratemtg.com
TO PARTICIPATE IN THIS FEATURE, CALL SALES DEPARTMENT @ 773-320-8492 Savings Update
How can I stop paying private mortgage insurance? By Sabrina Karl
For conventional mortgages, the Consumer Financial Protection Bureau allows homeowners to request PMI elimination once their mortgage balance falls to 80 percent of the home’s value. This can occur over the course of normal mortgage payments, or more quickly if the homeowner makes extra payments. It can also occur if the value of the home has risen substantially due to market conditions or significant In essence, PMI is an extra fee homebuyers pay to make the lender improvements made by the homeowner. willing to extend a mortgage when the down payment is small. If the homeowner defaults, private mortgage insurance covers most of the In order to cancel PMI at the 80 percent threshold, homeowners must make the request in writing, be current on their payments, and have a bank’s loss. good payment history. They may also be required to prove there are no For any new or refinanced mortgage of more than 80 percent of the additional liens on the property, or to pay for a new appraisal. home’s appraised value, PMI is calculated during the closing process and generally broken into monthly amounts that are tacked onto the There is one additional way to eliminate PMI, and that’s to simply wait monthly mortgage payment. So when PMI can be eliminated, the until the mortgage falls to 78 percent of the home’s original value. At that threshold, lenders must automatically cancel PMI, though only if monthly payment drops. the mortgage is current on its payments. If you took out your current mortgage with less than a 20 percent down payment, you’re almost certainly paying for private mortgage insurance (PMI) every month. While PMI serves a welcome purpose for those who otherwise wouldn’t be able to buy a home, it’s an added expense that’s best dropped as soon as possible.
Rate Criteria: The rates and annual percentage rate (APR) are effective as of 5/15/18. All rates, fees and other information are subject to change without notice. RateSeeker, LLC. does not guarantee the accuracy of the information appearing above or the availability of rates and fees in this table. The institutions appearing in this table pay a fee to appear in this table. Annual percentage rates (APRs) are based on fully indexed rates for adjustable rate mortgages (ARMs). The APR on your specific loan may differ from the sample used. All rates are quoted on a minimum FICO score of 740. Conventional loans are based on loan amounts of $165,000. Jumbo loans are based on loan amounts of $453,101. Lock Days: 30-60. Points quoted include discount and/or origination. Payments do not include amounts for taxes and insurance. The APR may increase after consummation and may vary. FHA Mortgages include both UFMIP and MIP fees based on a loan amount of $165,000 with 5% down payment. Points quoted include discount and/or origination. Fees reflect charges relative to the APR. If your down payment is less than 20% of the home’s value, you will be subject to private mortgage insurance, or PMI. VA Mortgages include funding fees based on a loan amount of $165,000 with 5% down payment. If your down payment is less than 20% of the home’s value, you will be subject to private mortgage insurance, or PMI. “Call for Rates” means actual rates were not available at press time. To access the NMLS Consumer Access website, please visit www.nmlsconsumeraccess.org. To appear in this table, call 773-320-8492.