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NATIONAL
SALES EVENT APRIL 7–29, 2018
PERSONALIZE YOUR HOME WITH LIMITED-TIME INCENTIVES * Luxury Active Living, Ranch-style, and Two-story Single-Family Homes in Charlotte, Marvin, and Weddington, NC and Indian Land, SC from the low $300,000s to over $1,000,000. For more information including participating communities and directions, call 844-840-5263 or visit
TollSalesEventNC.com/CHO Open Sun–Mon 1pm–6 pm, Tues–Sat 10 am–6 pm. Brokers welcome. Homes available nationwide. Prices subject to change without notice. Photos are images only and should not be relied upon to confirm applicable features. *Offer, if any, is valid for new buyers who purchase a home in a participating community in Charlotte and deposit between 4/7/18 and 4/29/18, 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, not all communities, not all home sites, and not all options and upgrades are included in the National Sales Event so see the Sales team in your desired community for availability and specific details. Toll Brothers reserves the right to change or withdraw any offer at any time. Not valid with any other offer. This is not an offering where prohibited by law.
EASTOVER | 3822 SEDGEWOOD CIRCLE | CHARLOTTE
Premiersir.com/id/3369184
THE MCDOWELL GROUP Gail McDowell
George McDowell
704.989.6565
704.989.6752
gail.mcdowell@premiersir.com gailmcdowell.premiersothebysrealty.com
george.mcdowell@premiersir.com georgemcdowell.premiersothebysrealty.com
McDowellRealtyGroup.com
Mortgage Guide Institution
30 yr APR
4.187%
The Charlotte Observer
30 yr Fixed
APR
4.023% APR
Points
Fees
% Down
APR
Phone Number / Website
15 yr ^xed
3.500
0.000
$295 20% 3.550
Points: 0.000
7/1 yr Arm
3.625
0.250
$975 20% 3.757
704-412-9131
Fees: $295
30 yr jumbo 4.250
0.000
$975 20% 4.230
www.mecklenburgmortgage.com
% Down: 75%
Free Prequali^cation Letters and Rate Quotes 7 days a week
Rate: 4.000
15 Yr Fixed 3.500
0.000
$0
5% 3.526
Points: 0.000
7/1 Arm
0.000
$0
5% 3.513
Fees: $0
LOCAL IN CHARLOTTE FOR 30 YEARS! OPEN SATURDAYS! A+ BBB RATING!
% Down: 5%
FREE FLOATDOWN IF RATES DROP! ZERO CLOSING COST OPTIONS!
30yr Fixed
Best Rate Mortgage
Rate
Rate: 4.125
30yr Fixed
Mecklenburg Mortgage
Product
3.500
NMLS # / License #
NMLS #: 1190352 LIC# 161067
NMLS #: 115183
704-529-1233
LIC# 103395
www.bestratemtg.com
TO PARTICIPATE IN THIS FEATURE, CALL SALES DEPARTMENT @ 773-320-8492
Savings Update
Making sense of closing costs By Sabrina Karl
Even if you’ve closed on a mortgage before, each time can be a confusing process. In addition to the endless forms and required signatures, you’ll also face a wide variety of fees that get lumped together in the nondescript phrase “closing costs”.
But closing costs also include installments for the ongoing costs of your mortgage, such as property taxes to cover a prorated portion of the year; homeowner’s insurance, generally for a full year; any points that your mortgage agreement involves; and, if you’re making a down payment below 20 percent, a prorated share of private mortgage insurance.
So what’s included in closing costs? The list varies widely since each state, and even some municipalities, have their own rules about certain fees. But Because states and home mortgages vary so much, including what differin general, closing costs run two to five percent of a home’s purchase price. ent lenders are willing to cover, several additional costs could appear in your closing, such as fees for a survey, for pulling your credit report, or for Several of the costs are fees for required services: an appraisal to estab- wire transfers. Some buyers will also pay at closing for their home inspeclish the home’s market value; a title search to determine if the deed is free tion or an optional home warranty. and clear; an underwriting fee to cover the lender’s cost in deciding they’d lend to you; an application or loan origination fee to cover processing your A short time before closing, you’ll receive a Closing Disclosure with the application; recording fees to file the proper paperwork after the loan is exact figures on everything you’ll be required to pay. Review this carefully and talk with your lender about any costs you don’t understand. complete; and any commissions to involved real estate brokers. Rate Criteria: The rates and annual percentage rate (APR) are effective as of 4/17/18. 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.
C H A R L O T T E
home design - dedicated to showcasing charlotte’s distinctive homes -
OUT-OF-MARKET FEATURE
WILMINGTON, NORTH CAROLINA EDITION SATURDAY, APRIL 28th, 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, April 25th. 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
SOUTH CLT COUNTRY CLUBS LUXURY REAL ESTATE SATURDAY, MAY 5th, 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, May 2nd. For more information, contact
Buck Brice (704) 358-5454 BBrice@CharlotteObserver.com
DOOR & CLOSET WHOLE HOME SALES EVENT DESIGNER COLLECTION
159
$
PER INSTALLED DOOR*
CLOSET DOORS BY-PASS - BIFOLD - BARN DOOR SYSTEMS AVAILABLE IN ANY COLLECTION STYLE
6FREE INTERIOR DOORS
CLOSET ORGANIZERS WALK-IN CLOSETS • BEDROOM CLOSETS • LAUNDRY ROOMS PANTRIES • HOME OFFICES • GARAGES
WITH PURCHASE OF 3 SETS OF CLOSET DOORS*
FREE INSTALLATION CLOSET SALE *
FREE ESTIMATES BY APPT.
(704) 842-9160
AN AUTHORIZED DEALER OF
www.onedaycharlotte.com/promo22 *Whole Home Sale $159 promotional price is good for 12 or more standard weight raised panel doors our two most popular styles. Doors sold separately for orders less than 12 doors. Paint and hardware sold separately. New orders only. 6 free doors for closet deal are standard weight signature series. Must present ad at time of estimate. May not be combined with other offers or discounts. This is an independently owned and operated retailer of One Day Doors & Closets. Offer expires 4/15/18.
$275,000,000 Cindy Barnes Over in career sales (704) 367-7203
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 - $675,000
Executive home w/trendy updates & great floor plan. Highway 51 area; close to everything! 8700 Brownes Pond Ln - MLS# 3362520 - $650,000
Lake Wylie craftsman w/harbor access & resort-style amenities + affordable price! Spacious 5 bdrm, 5BA home meets every need. 5349 Casper Drive - MLS# 3364476 - $500,000
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
ONE-OF-A-KI ND ESTAT E
$1,200,000
1 4 1 7 S . We n d ove r R o a d | E a s t ove r 1 + a c r e l o t | 3 B R | 4 .1 B A | 4 , 5 7 2 s q . f t . Exquisitely appointed custom home on over an acre lot! Special features include an elegant foyer with Wayne Trapp Sculpture, inviting floor plan, high ceilings, beautiful flooring, and spacious rooms. Gourmet kitchen with abundance of cabinetry, top-of-the-line appliances & large island. Family Room with fireplace, wine bar and beautiful picture window. Large Master retreat offers sitting area, sauna, gorgeous bath & custom closets. Lovely pool and patio overlook private, wooded rear yard and pond. Carriage home features a Bonus/Exercise Room or 4th Bedroom with full bath.
M EG W I L K I N S O N & S H E RY L H AL LOW BROKERs | REALTORS ÂŽ 704-906-5747 | 704-907-1144 meg@HMPROPERTIES.COM sheryl@hmproperties.com HMPROPERTIES.COM
Why imagine the home of your dreams when you can look at 79 photos of it. Everything you need to buy, sell or rent with ease.
Top Ivester Jackson | Christie’s Brokers FIRST QUARTER 2018
CHARLOTTE
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6100 Fairview Road, Suite 1202, Charlotte, NC | 704-655-0586 | IvesterJackson.com
SO
LD
318 Cherokee Road, 28207 / MLS# 3328563 / $1,710,000 Beautiful .7 acre lot in the heart of Eastover overlooking Eastover Road. Park-like setting on a corner lot.
Lucy Moore Butler
Realtor® / Broker in NC/SC
LButler@cchrealtors.com • CCHREALTORS.COM
704.996.2423
Food Trucks!
A day all about you!
Expo
Enjoy wine & beer on the patio! Music by Lorenzo King!
2018
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I’m Not Done Yet, LLC
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Mason Gallman “The HECM Lady” - Towne Bank Mortgage
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THE EXTRAORDINARY PremierSothebysRealty.com
Lauren Alexander 704.996.3468
Matthew Alexander 704.560.2527
Giles Barker 704.322.7747
Laurie Beaty 704.993.8773
Tanya Brown 704.345.4384
Susan Freshcorn 704.989.0690
Jason Gentry 980.428.4130
Sarah Kelley 704.956.6536
Gail McDowell 704.989.6565
George McDowell 704.989.6752
Frances Miller 704.488.0288
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Carolyn Taylor 704.236.1936
Stephanie Todd 704.904.1681
Charlie Williams 704.737.7741
CALL US FOR YOUR INTRODUCTION TO THE EXTRAORDINARY PremierSothebysRealty.com
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. Property information herein is derived from various sources including, but not limited to, county records and multiple listing services, and may include approximations. All information is deemed accurate.