home|design, April 21, 2018

Page 1


BATHROOMS • KITCHENS ROOM ADDITIONS OUTDOOR LIVING & HANDYMAN SERVICES

ROOM ADDITIONS FROM $15,995

OUTDOOR LIVING/ SWIMMING POOLS FROM $8,995

BATHROOMS FROM $9,995

KITCHENS FROM $17,995

FINANCING AVAILABLE WITH NO MONEY DOWN! CALL US TODAY FOR A FREE ESTIMATE! 980.299.5475 WWW.RCBCONSTRUCTIONMGMT.COM


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

Kelly Frenzel

Kim Raymond

Dee Reid

$2.9 M 704-560-0117

$2.7 M 704-451-3322

$2.7 M 704-281-3913

Tommy Ingram

Betsy Stec Market

Randy Coble

$2.4 M 704-451-0041

$2.3 M 704-619-8603

$2.3 M 704-781-7343

LAKE NORMAN

Doris Nash

Jessica Simpson

Tracy Davis

Lori Jackson

$10.2 M 704-201-3786

$10.2 M 704-787-3330

$4.0 M 704-779-9750

$3.9 M 704-996-5686

Susan Dolan

Melinda Meade-White

Sherry Hickman Michelle Campos $3.6 M 704-728-1905

$3.0 M 704-756-5887

$2.9 M 704-560-7201

$2.3 M 704-534-9208

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

2 8T L I R P A , y a d Satur p.m.

H

10 a.m. to 3

ife the Good L e iv L o T w Ho i, ace, Arman ish, lists Vers yl St to e u Th yo l, s r-Bel Anita invite - Anita Villa ion credits. your 10:00 a.m. ong her fash developing am on d te ts in ra H and Fede Rebellion.” ss le e! ar ge u “A e old yo embrace th matter how al style, no own person bservd (L), the O llen Norwoo A d Marc . an m n, a. ig 0 es 11:0 Home and D les, Kolter r fo st ni m er’s colu ent of Sa rtunities ), Vice Presid Friedman (R exciting oppo on s cu fo ill w , C LL ” Homes ing space. zing your liv for “right si

for life. s on being <t ill present tip munity-focused w t ot Sc ie - Jam ith a com 12:00 p.m. advocate w by American ong <tness d is certi<ed lness an s es ln He is a lifel el w d utrition Wel N an d th an al r he ne ai to Tr ch th oa appr a Streng essionals as Fitness Prof consultant. at linary skills th strate the cu harlotte and on m de ill w & Wine, C Chef Alyssa from Food to cook 2:00 p.m. r recognition opportunity he e t th r gh he ou ed rn ea have br d an agazines, in NYC. Southpark m Beard House es m Ja e at th

LEARN FROM MINI-SESSIONS: Sharon Blumberg

Dr. Michael Schmitt, DC.

I’m Not Done Yet, LLC

Stem Cell Carolina

Mason Gallman “The HECM Lady” - Towne Bank Mortgage

YOU COULD WIN

A Weekend Getaway for two at the Beautiful Chetola Resort in Blowing Rock NC!

Restaurant and Fashion Gift Cards! Special Fitness Giveaway Package sponsored by SPONSORS

r this FREE fo r te is g re m etails and ventbrite.co Get all the d .e 8 1 0 2 o p x e mer event at boo 4-358-5423 0 7 ll a C it ib To Exh LOCATION: Queen’s Sports Complex - 2229 Tyvola Rd., Charlotte, 28210


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

Joseph Sibielski 704.617.7500

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.


Turn static files into dynamic content formats.

Create a flipbook
Issuu converts static files into: digital portfolios, online yearbooks, online catalogs, digital photo albums and more. Sign up and create your flipbook.