home|design, November 18, 2017 by Charlotte home

Real Estate News

C H A R L O T T E

“There’s a different feel here than can be found on any other lake.”

home design

page 4

— Becky Weedman, The Reserve at Lake Keowee

dedicated to showcasing charlotte’s distinctive homes

Lovely Lake Keowee Convenient and carefree lake living in South Carolina - story on page 6

design trends home for the holidays p16 homes.charlo+e.com

design instyle table decisions p22

home & garden camellia season p28

SPECIAL ADVERTISING SECTION . THE CHARLOTTE OBSERVER . SATURDAY, NOVEMBER 18, 2017

EXTENDED!

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SAVINGS with

TAKE ADVANTAGE OF THESE UNBE-LEAF-ABLE GIFTS! We’ve extended your chance to enjoy a cornucopia of special incentives on a new David Weekley home featuring ZIP System® sheathing and tape. When you purchase a move-in ready, or ready soon, Showcase Home in select Charlotte-area communities during our Fall into Savings Event between October 26 and November 30, 2017, you’ll receive:

Avignon Town Homes – SouthPark and Carson A $25,000 Home Discount

Waverly A $15,000 Home Discount and an Electrolux Appliance Package

Eden Hall and Fullwood Station A $15,000 Home Discount and a Frigidaire Appliance Package

Parkside at Skybrook North, Greenway Village and Massey A $10,000 Home Discount and a Frigidaire Appliance Package

Plus, receive 1% of the total loan amount – up to $10,000 – toward Closing Costs* when you use one of our preferred lenders!

Rake in the savings on your new home by contacting 704-817-0030

SHEATHING & TAPE See a David Weekley Homes Sales Consultant for complete details. Not valid with any other offer or previously written contracts. Up to $25,000 Home Discount offer only valid for Homebuyers who purchase a David Weekley Showcase Home in the Charlotte-area communities of Avignon Town Homes – SouthPark, Carson, Waverly, Eden Hall, Fullwood Station, Parkside at Skybrook North, Greenway Village or Massey between October 26, 2017, and November 30, 2017 (the Program Period). Incentive amount varies by community. Electrolux Appliance Package offer only valid for Homebuyers who purchase a David Weekley Showcase Home in the Charlotte-area community of Waverly during the Program Period, and Frigidaire Appliance Package offer only valid for Homebuyers who purchase a David Weekley Showcase Home in the Charlotte-area communities of Eden Hall, Fullwood Station, Parkside at Skybrook North, Greenway Village or Massey during the Program Period. Package value and items may vary by plan and may not be substituted for additional products or colors, and must be selected through the David Weekley Homes Design Center in Charlotte, NC. Any other amount above incentive amount is the Homebuyer’s responsibility. Value of Electrolux Appliance Package not to exceed $4,300, and value of Frigidaire Appliance Package not to exceed $3,200. Cash or credit will not be given in lieu of package. Central Living at Ideal Way, Belton Street and SouthRidge are excluded from these offers. Offer must be presented to Sales Consultant prior to signing of contract. Closings Costs* offer only valid for Homebuyers who purchase a David Weekley home in the Charlotte area between May 1, 2017, and December 31, 2017. To receive 1% of the loan amount – up to $10,000 – toward Closing Costs, homes must be financed through Wells Fargo or McLean Mortgage. Incentive is limited to actual closing costs incurred and is subject to any regulatory limits on Seller contribution to closing costs. No cash will be given outside of closing. Offer must be presented to Sales Consultant prior to signing of contract. You are not required to use Wells Fargo or McLean Mortgage as a condition for purchase of a home from David Weekley Homes. David Weekley Homes reserves the right to terminate program or change rules at any time. Prices, plans, dimensions, features, specifications, materials or availability of homes or communities are subject to change without notice or obligation. Illustrations are artist’s depictions only and may differ from completed improvements. Copyright © 2017 David Weekley Homes - All Rights Reserved. Charlotte, NC (CHAA92234)

SPECIAL ADVERTISING SECTION . THE CHARLOTTE OBSERVER . SATURDAY, NOVEMBER 18, 2017

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Featured Model Home LADERA

| Waxhaw, NC | From the upper $600s

PALERMO

Ladera, located in Waxhaw, NC; known for its gated entrance, features wooded and cul-de-sac homesites. Upscale living and luxury combine to create breathtaking home designs with stunning architectural features. These homes feature ownerâ&#x20AC;&#x2122;s suites with spa-like baths, first-floor guest suites, and stunning foyers opening to spacious Great Rooms and luxurious kitchens. Enjoy the connectivity between the inside of the home and the outside with beautiful outdoor areas. For more info, please contact:

CalAtlanticHomes.com

Chris Davis E-mail: Chris.Davis@CalAtl.com Phone: 704.243.9982

No view is promised.Views may also be altered by subsequent development, construction and landscaping growth. Square footage/acreage shown is only an estimate and actual square footage/acreage will differ. Buyer should rely on his or her own evaluation of useable area. Prices, plans and terms are effective on the date of publication and subject to change without notice. Depictions of homes or other features are artist conceptions. Hardscape, landscape and other items shown may be decorator suggestions that are not included in the purchase price and availability may vary.This ad contains general information about a new home community in North Carolina/South Carolina and it is not an offer or the solicitation of an offer for the purchase of a new home. This information is not directed to residents of any other state that requires registration or permit issuance prior to the publication of such information.

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SPECIAL ADVERTISING SECTION . THE CHARLOTTE OBSERVER . SATURDAY, NOVEMBER 18, 2017

|real estate news

what’s new? compiled by Whitney Berongi

CENTRAL LIVING BY DAVID WEEKLEY HOMES COMING SOON TO BELTON STREET Central Living by David Weekley Homes will begin building in the community of Belton Street, with a model home currently under construction. The Trinity model home will offer three bedrooms, two full baths, one half bath and a twocar garage. The 2,900-square-foot home will include a covered porch, retreat area and owner’s retreat featuring a private balcony and stand-alone tub. The model home is expected to be open for tours in late January. Belton Street will feature two-story villas and single-family homes. Homebuyers can select from six floor plans in the paired villas series, ranging from 2,500 to 3,100 square feet. Single-family homes will feature a variety of open floor plans with 10-foot ceilings and large kitchens. Located off South Boulevard in the Sedgefield area of Charlotte, residents will be in walking distance to grocery stores, dining and entertainment and the LYNX Light Rail, connecting residents to Uptown Charlotte and South End. For more information about Belton Street from Central Living by David Weekley Homes, or to sign up for the VIP list, call 704-817-0030. BONTERRA BUILDERS STRIKES GOLD WITH CEDARVALE FARM SOMERSET D HOME DESIGN Bonterra Builders recently received perfect scores from all three judges during the Charlotte Parade of Homes for its well-designed Cedarvale Farm Somerset D model home. The beautiful ranch-style home won a 2017 Parade of Homes Gold Award in the $451-$475k category from the Home Builders Association of Greater Charlotte. Located in Midland in Cabarrus County, the new Cedarvale Farm community opened in the spring. Offering a modern lifestyle that preserves the past, Cedarvale Farm features classically styled homes surrounded by tree-lined streets, paved walking trails and central gathering spaces. Prospective buyers may select from a variety of home designs

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704-533-9233

DICKENS MITCHENER, NATIONALLY-RECOGNIZED LEADER IN REAL ESTATE, CELEBRATES 25 YEARS For more than two decades, Dickens Mitchener has been revolutionizing the real estate industry with its strategies on the buying and selling process. By using basic tools like data management and marketing, Dickens Mitchener was able to simplify the client’s experience. It was a risk that paid off, and on Nov. 15, the Dickens Mitchener team gathered at the Ritz-Carlton in Charlotte to celebrate 25 years of exceptional sales and customer satisfaction. The 25th Anniversary Celebration began with a cocktail reception at 7 p.m. Dinner was planned by David Klingel, The Event Professor, and Diverse Groove provided the music. Committed to setting new standards for extraordinary customer service, the 98-member Dickens Mitchener team uses its knowledge of market trends and innovative practices to consistently achieve client satisfaction and outstanding results. For more information, visit dickensmitchener.com.

Email real estate news to homedesign@charlotteobserver.com.

home|design Section published by The Charlotte Observer • P.O. Box 32188, Charlotte, NC 28232. Editorial material in this section is the responsibility of the Observer Content Studio, 704-358-5305. It did not involve the news staff of The Observer.

Editor

Coordinator/Designer

Christina Darnell

Melissa Kennelly

For Agent info contact

For New Home Builder info contact

Buck Brice at bbrice@charlotteobserver.com

Suzanne Parker at sparker@charlotteobserver.com

Director Digital Sales & Strategy Phyllis Weber, 704-358-5345

Beautiful color change!

with floor plans ranging in size from 2,650 to more than 3,650 square feet. Home prices start in the $280s. For further information or to schedule a visit to Cedarvale Farm call 704-455-1175.

Is there a neighborhood you’d like to see featured? Do you know of a new design trend on the rise? Did you use one of our ideas for your own home or home purchase?

We’d love to hear from you. homedesign@charlotteobserver.com

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Low-Maintenance, Ranch Homes Available Today!

Locate your dream home at www.myepconhome.com/charlotte The Courtyards on Lake Norman 704-685-0818 The Courtyards of Huntersville 704-439-7023 The Courtyards at Blume Point 704-439-7023 The Courtyards at Kinnamon Park 704-576-0556

“We love our new lifestyle. Our only regret is that we didn’t do it sooner.”

The Courtyards at Emerald Lake 704-635-5082 The Courtyards at Wesley Chapel 704-233-7727 The Courtyards of Marvin 704-787-0320 GOLD SPONSORS

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|living in Lake Keowee

DID YOU KNOW? Lake Keowee will not see the effects of a drought that other lakes might experience thanks to the water level restrictions required for the Duke Power facility to operate.

Photo by Andrew Cebulka

Photos courtesy of The Reserve at Lake Keowee

Convenient and carefree lake living in South Carolina EAT The Lighthouse Restaurant Located in a quiet cove on Lake Keowee, The Lighthouse offers diners a chef-driven menu, fireside dining and breathtaking views.

lighthousekeowee.com

PLAY The Reserve at Lake Keowee Enjoy a round of golf on this stunning Jack Nicklaus signature course where incredible views of the Blue Ridge Mountains and Lake Keowee delight at every hole.

reserveatlakekeowee.com

EXPLORE Keowee-Toxaway State Park Pop up a tent or park your RV in this South Carolina Upcountry park for a relaxing weekend filled with picnics, hiking and canoeing.

southcarolinaparks.com

by Julie Cooper

ucked away in Western South Carolina in the foothills of the Blue Ridge Mountains and bordered by the charming small towns of Seneca, Pickens and Clemson, Lake Keowee offers the perfect getaway from the everyday. Known as “The Crown Jewel” of the Palmetto State and only a 2.5-hour drive from the Queen City, this remote yet convenient paradise has a lot to offer for a variety of homebuyers. “Lake Keowee is a huge inland lake with 300 miles of shoreline, crystal blue waters and gorgeous Blue Ridge Mountain views,” says “Super Real Estate Man” John “Clark” Kent with BlackStream International Real Estate. “The relaxation of being on ‘lake time’ creates a pleasant lifestyle for retired primary homeowners or an escape from the hustle and bustle of daily life for second home owners who live in places like Charlotte or even Greenville.” While paddling along in kayaks, practicing yoga on paddleboards and jet skiing is all just part of the lifestyle here, many would argue the best part is less of an activity and more of a feeling. “There’s a different feel here than can be found on any other lake,” says Becky Weedman, director

of marketing for The Reserve at Lake Keowee. “Our lake is 26 miles long with a lot of little hidden waterways and coves, so when you’re out on the water, it doesn’t feel as crowded. It’s very serene.” “We are truly blessed to have beautiful mountain vistas and one of the cleanest water lakes in the country right here in our backyard,” adds David Hurst, director of sales for The Reserve at Lake Keowee. “And with our moderate climate, we can be out on the water from April to October and playing golf year round.” World-acclaimed golfer Jack Nicklaus designed two golf courses in the area’s most esteemed communities—The Reserve at Lake Keowee and The Cliffs at Keowee Falls. “Each year, these two golf courses partner with Clemson University to host The Clemson Invitational NCAA Golf Tournament,” says Kent. “Approximately 12 different colleges are invited, bringing spectators from far and wide.” Beyond the boating and tee time, Lake Keowee is highly sought after for its convenient location. “Cashiers and Highlands up in the mountains are a quick 45-minute drive, and it’s also only a 45-minute drive to downtown Greenville where there are

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a ton of restaurants and the Peace Center for performing arts,” says Weedman. “A lot of our members like to make a day of it or hop in the car for a spontaneous weekend getaway. It’s so easy to do from here.” The hardest aspect of living here comes from deciding whether to buy on the northern or southern portion of the lake. “There are new developments on both sides of the lake,” says Kent. “The southern end is seeing approximately three new developments in the mid-range price points, and then the upscale developments on North Keowee such as The Cliffs Communities and The Reserve at Lake Keowee have opened up new areas of their existing developments for home building opportunities with price points in the $1-to-$4-million range.” As for the market, increasing construction costs have given way to a hot new trend, but according to Hurst, sales are up and it’s a great time to buy. “This year, we’re seeing a lot of folks gravitating toward completed homes with construction costs on the rise,” he says. “In The Reserve alone, we’ve seen a 200 percent increase in home sales over 2016.”

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499 Tall Ship Drive #233, Salem, SC 29676 Price: $164,400 MLS: 20191598 Listing Agents: Patti Cason, 864-903-1234, wesellkeowee@gmail.com; Gary Cason, 864-903-0312, gary@wesellkeowee.com; Keller Williams Lake Keowee Looking for a Tall Ship corner unit condo in Keowee Key that is well-maintained and move-in ready, mostly furnished? How about one with a wonderful water view? Donâ&#x20AC;&#x2122;t wait any longer or this one will be sold out from under you. This unit is priced to sell quickly. Located in the Ketch building. There is a storage area in the basement.

Framed against the Blue Ridge Mountains, the blue waters of Lake Keowee in SC have been called the most beautiful in the South. Lake Keowee boasts 300 miles of shoreline, countless coves and islands, and the perfect climate for a yearround, active lifestyle. Looking for the perfect lifestyle community for retirement? Keowee Key has more of what you love. Golf, tennis, fitness center, swimming, boatinng and pickleball are just a few of the amenities this active, secure, lakeside community offers.

Keowee Key | 1392 Stamp Creek Road | Salem, SC 29676 | 864-944-2312 | www.keowee-key.com homes.charlo+e.com

SPECIAL ADVERTISING SECTION . THE CHARLOTTE OBSERVER . SATURDAY, NOVEMBER 18, 2017

|living in Lake Keowee 142 South Falls Road, Sunset, SC 29685 Price: $1,450,000 MLS: 20186546 Listing Agent: David Hurst, The Reserve at Lake Keowee, 877-922-5253, dhurst@ reservekeowee.com Magnificent open views of Lake Keowee from this five-bed, 5.1-bath custom home. The main level has a split bedroom plan with the master suite/bathroom on one side of the house and a spacious guest suite on the other with direct access to a screenedin porch. The great room boasts a wall of windows that looks out onto the lake, and deck access is great for entertaining. The second level includes a study/loft or extra tv room/playroom, additional bedroom with two sets of bunkbeds and full bath. The lower level has a spacious rec room, snacking kitchen with bar, two bedrooms and two full baths, plenty of storage, laundry room and additional game room.

311 South Cove, Sunset, SC 29685 Price: $1,470,000 MLS: 20185092 Listing Agent: David Hurst, The Reserve at Lake Keowee, 877-922-5253, dhurst@ reservekeowee.com This beautiful waterfront home boasts soaring 14-foot ceilings and solid cedar beams with Australian Cypress hardwood floors. Other features include custom builtins, a gourmet kitchen with Viking cooktop and large granite island, a screened porch that opens to a spacious covered deck, two more beds and baths on the bottom terrace level with a bunkbed room or office, pool table/rec room, snacking kitchen/bar, stone fireplace and custom wine cellar. Guest suite above the garage with one bedroom and full bath. Easy walk to the dock, or soak in the hot tub. Prewired for house generator. Workshop. Membership required.

SPECIAL ADVERTISING SECTION . THE CHARLOTTE OBSERVER . SATURDAY, NOVEMBER 18, 2017

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Homesites from $100K–$950K | Homes from $500K–$3M+

SCHEDULE YOUR PERSONAL TOUR TODAY 877.922.LAKE | ReserveAtLakeKeowee.com Obtain the Property Report required by federal law and read it before signing anything. No Federal agency has judged the merits or value if any of this property. This does not constitute an offer to sell or solicitation of an offer to buy where void by law.

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|living in Lake Keowee 305 Kingfisher Lane, Salem, SC 29676 Price: $2,495,000 MLS: 20179860 Listing Agent: Justin Winter, Justin Winter Sotheby’s International Realty, 864-4814444, justin@justinwinter.com This five-bed, five-bath home (divided among the main house and guest cottage) boasts all the best design features of boutique architect Keith Summerour’s signature style. The fine point lot includes a private beach, and notable features include a three-car garage, lake views, stone wood-burning fireplace, kitchen with a six-burner Viking range, two ovens, SubZero fridges, custom cabinets, leathered granite countertops and a chilled wine alcove, a wet bar, game and media rooms and a guest house with its own galley kitchen and a delightful sitting room that leads to the private patio garden.

201 Ironwood Court Salem, SC 29676 Price: $699,000 MLS: 20188466 Listing Agent: Justin Winter, Justin Winter Sotheby’s International Realty, 864-4814444, justin@justinwinter.com The dappled shade of a deciduous forest canopy, the restful music of cascading water and the luxury of maintenancefree living are all icing on the cake of this wonderful woodland home at Falls South. A “Community Concepts”-designed home, features include an inviting interior, three beds and 3.1 baths, spacious living spaces, Nanawall (pocket glass sliding) doors that open onto a generous outdoor living room with phantom screens overlooking a stream and waterfall and a handsome exterior showcasing the finest mountain architecture. Features inside also include a gourmet kitchen (Wolf and SubZero), fun bunkroom with built-in beds for eight and luxurious clawfoot soaking tub beside doors to the sunset porch. Furnishings included.

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Lovewhere you Live

There’s a lot to love at Keowee Falls, a gated community on the northern shores of stunning Lake Keowee.You’ll adore our resort-style amenities—and our no-fee amenity package that’s included with each property purchase.

Lot 42, Crystal Cove Trail

1.05 Acres $545,000

We have a variety of waterfront and interior lots starting at $50K, as well as a selection of build-to-order home plans from $495K. So whether you’re looking for a full-time residence or a weekend getaway, contact us to learn more or schedule a tour.

Lot 52, Crystal Cove Trail

.79 Acres $429,000

Lot 53, Crystal Cove Trail

1.25 Acres $769,000

864.481.4444 | keoweefalls.com

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And get ready to fall in love.

Nicklaus Signature Golf Course Multiple Dining Venues Staffed Fitness Center Swimming Pool Tennis Complex Over 10 Miles ofTrails Boating and Fishing

Brokered exclusively by:

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|living in Lake Keowee 752 Navigators Point, Seneca, SC 29672 Price: $1,075,000 MLS: 20189616 Listing Agent: Reah Smith, Lake Keowee Real Estate, 864-710-9547, reahonkeowee@gmail.com Come home to Keowee in the incredible Crescent Community, Beacon Shores, and enjoy wide and deep panoramic views of the waterfront from this custom home. Features include six beds, all with views, an open floor plan and a main-level master with an adjoining enclosed porch and spa-like bathroom. Outside, entertaining is easy with an oversized stone patio and terrace, just steps from the recreation room, stacked stone fireplace and grill, a covered portico and a flagstone terrace. A quick, gently sloped stroll down the stone steps takes you to a deep water covered dock where both sunrise and sunset can be witnessed year round.

213 Elderberry Way, Seneca, SC 29672 Price: $595,000 MLS: 20189367 Listing Agent: Reah Smith, Lake Keowee Real Estate, 864-710-9547, reahonkeowee@gmail.com Kitchen cabinetry has been installed, paint is in process and this home is moving towards final phase of construction. Path to dock including power and water and all landscaping will be one of the final jobs of the build. Crescent Communitiesâ&#x20AC;&#x2122; newest development, The Cottages at Riverbirch, is a gated community unlike any other on Lake Keowee. Featuring mountain lake cottage designs by Ron Welch, Arcon Designs, these right-sized homes live large without wasted space and also include the ability to short-term lease/vacation rent. This home features the Sassafras plan with master on the main level, an open concept living area with a vaulted tongue and groove ceiling and stack stone fireplace.

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SPECIAL ADVERTISING SECTION . THE CHARLOTTE OBSERVER . SATURDAY, NOVEMBER 18, 2017

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Lake Keowee Real Estate is involved in the development and sales of Crescent Communities on Lake Keowee. g

Your True Lake Keowee Specialist.

LakeKeoweeRealEstate.com g (864) 886-0098 g 896 N. Walnut Street g Seneca, SC 29678

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Chestnut at Blowing Rock 364 Chestnut Drive, Blowing Rock, NC 28605 chestnutatblowingrock.com Ashley Hutchens and Jerry Hutchens 828.964.5438 ashley.hutchens@premiersir.com jerry.hutchens@premiersir.com

UNMATCHED VIEWS. UNPARALELLED LIFESTYLE. Chestnut at Blowing Rock features open and airy living spaces, natural finishes and towering windows designed to showcase breathtaking vistas. LOCATED ON THE BLUE RIDGE PARKWAY atop the Eastern Continental Divide in the idyllic village of Blowing Rock, North Carolina awaits Chestnut at Blowing Rock – a private enclave of 23 single-story luxury residences surrounded by lush natural scenery, unmatched views and modern conveniences. Redefining luxury living, Chestnut at Blowing Rock features open and airy living spaces, natural finishes and towering windows designed to showcase breathtaking vistas of Moses Cone Memorial Park and Grandfather Mountain State Park. The quaint and charming shops and restaurants of Main Street are steps from your door. Discover elegant living in a casual setting at Chestnut at Blowing Rock.

C H A R L O T T E

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living in Lake Keowee| 45 Falling Star Way, Landrum, SC 29356 Price: $2,999,999 MLS: 1346484 Listing Agent: John Kent, BlackStream International Real Estate, 864-784-9918, johnclarkkent@blackstreaminternational.com This Tuscan-inspired residence is situated at the top of The Cliffs at Glassy. This masterfully crafted home is privy to 360-degree views reaching as far as Cashiers, N.C. From the grand staircase with intricate, wrought iron balusters, stainless appliances with hammered copper range hood, an expansive master suite and granite-floored outdoor spaces, this home is truly one of a kind. Cliffs Club Membership, with access to seven golf/mountain lake clubs in S.C./N.C., is available.

Specializing in Luxury Golf & Mountain Lake Properties

MLS# 1346118 | $1,495,000 The Cliffs at Glassy | 136 High Rock Ridge Dr

MLS# 1353929 | $1,495,500 Cliffs Valley | 14 Timbers Edge Way

Cow Rock Ridge | 52 Lonesome Rd MLS# 1353064 | $6,495,000 | 90 Acres

John “Clark” Kent Broker Associate NC/SC Blackstream | CHRISTIE’S International Real Estate

MLS# 1346114 | $1,995,000 The Cliffs at Glassy | 4 Grouse Drive

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MLS# 1346224 | $1,895,000 The Cliffs at Glassy | 29 Falling Star Way

864.784.9918 JohnClarkKent@BlackStreamInternational.com SuperRealEstateMan.com

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|design trends

Home for the Holidays Designer tips for decorating, hosting and gifting for the holidays by Bethany E. Starin

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Photo by Liz Connolly

Craft a Local Memory for your Host

Photos by Myquillyn Smith

he trick to preparing your home for the holidays is knowing your strengths and weaknesses, says Katrina Hutchins of Katrina Hutchins Events. It’s knowing what to add to your list, what to delegate—and what to take off altogether, she says. “Most of us are not Martha Stewart, so unless you are that way in your day-today life, don’t try to be her on Christmas or Thanksgiving—which is a big production anyways,” Hutchins says. She laughs, saying not everyone is a pastry chef, not everyone is a designer—so do what you love, don’t try to do it all. While she runs a boutique event planning company, Hutchins says she takes her own advice.

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“My husband is Italian, and for Christmas Eve, I go to Pasta & Provisions and get pre-made raviolis and homemade sauces. It’s become a tradition, and it’s delicious and easy and local and there are no complaints.” Hutchins continues. “Try to find things like that. Not everything has to be DIY and homemade,” she says. “People bite off more than they can chew and the holidays become 100 percent work and no fun.” DECK THE HALLS If making your home festive is part of what you love most about the holidays, start by winterizing your space, says design guru Myquillyn Smith, best-selling

aybe it’s not your home you’re prepping this season, but your luggage—and a festive gift to warmly thank your holiday host. Consider going local with your present, says Katrina Hutchins of Katrina Hutchins Events. “I love to support local businesses,” she says, adding that one of her go-to presents this season includes an Uashmama reusable paper wine bag from Elisabeth Rose, a social stationery shop in downtown Davidson. “The beautiful wine bags are from Italy. Grab a bag, a bottle and voila, it’s the perfect hostess gift!” Elisabeth Rose also offers a combo wine and bottle opener by W&P Design, as well as cookbooks and whiskey ice cube trays, and beauty products (including a men’s line) by Formulary 55. A variety of succulents are available potted by Blake Pope, the general manager at Davidson’s Kindred restaurant who’s most often seen mixing up a barkeep’s choice but has kept the hidden talent of plant master in his back pocket. Charlotte area design blogger and author Myquillyn Smith says she loves gifting something living or something edible. “I love to give a tiny leyland cypress or rosemary plant wrapped in a dropcloth. It’s so easy,” Smith says. She grabs a small drop cloth, which is less than $10, then cuts a piece and uses whatever she has laying around—twine, ribbon or rope—to tie it up. “Or if I think ahead, I’ll grab some homemade fudge from my favorite local fudge makers.” She suggests Iva Jean’s Fudge, available at local shops across Charlotte including the Waxhaw Provisions, Paper Skyscraper, The Common Market and The Mint Museum. The barrels at Whole Foods Market is where Kelley Lentini, co-owner of boutique interior design firm House of Nomad, finds a fresh gift for her hosts. “In the bath and body section, they sell lavender-infused bath salts you can purchase by the pound. Fill up an air-tight, glass container with the salts and tie a little sprig of it around the jar with some ribbon. Everyone will appreciate this gift— especially during the busy holiday season!” For more information on Elisabeth Rose, go to elisabeth-rose.com.

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3.75% INTEREST

3.99% APR PLUS

ZERO Photo by Katheryn Jeanne Photograph / Design by Katrina Hutchins Events

CLOSING

COSTS*

WHAT ARE YOU WAITING FOR? For a limited time, save thousands and enjoy a 3.75% interest rate, 3.99% APR, and zero closing costs when you purchase a quick move-in home during our Made to Move Savings Event. Already under construction – with floorplans, fixtures, and finishes expertly selected by our in-house designers – these select homes offer a simplified building process, making it possible for you to move in much sooner. And as with every Mattamy home, these quick move-ins feature the thoughtful design, quality, and value that have helped us become North America’s largest privately owned home builder.

For more information, visit MattamyHomes.com/Charlotte or your nearest Sales Center. *All pricing, availability and plans are subject to change without notice. Values and incentives vary by home, homesite and delivery date. Buyer must close on or before 12/22/17 and obtain mortgage with Mattamy Home Funding. Mattamy will pay all closing costs up to allowable limits determined by loan program. Interest rate of 3.75% / 3.993% APR for an owner occupied 30 year fixed rate conventional loan program with 10% down on a purchase price of $300,000 and total loan amount of $270,000. Upon completion of the application package our preferred lender Mattamy Home Funding, LLC, NMLS #64022 or your selected lender of choice will provide you a Loan Estimate with detailed costs of the mortgage transaction. This is not a commitment to lend, nor is it a rate lock, pre-qualification or pre-approval. Closing and settlement costs, reserve deposits, interest rate and APR are subject to change and the estimates shown above may be more or less depending on factors such as but not limited to: down payment, property type, and occupancy. Housing costs will vary depending on but not limited to: location, homeowner’s association dues, local and state fees, taxes, and hazard and mortgage insurance. The above fee information above is based on a credit score of 740. All loans are subject to underwriting and loan qualifications of the lender. Services are not available in all states. Rates, terms and conditions offered are subject to change without notice. Offer void where prohibited or otherwise restricted by law. Limited time offer, additional restrictions and limitations may apply. Visit Sales Center and see a Mattamy New Home Counselor for full details. E.& O.E. Builder CBC1253657

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author of “The Nesting Place.” “I challenge myself to winterize my home before I ever crack open one Christmas storage bin,” she says. “Winterizing means layering on throws and textured pillows, putting flannel sheets on the beds, maybe setting up a hot cocoa or coffee station and grouping together some candle holders.” After that, shop your yard. “I’ll go outside and break off a few evergreen branches and text my neighbor to see if I can have a few magnolia leaves,” Smith says. “Before you know it, your home feels festive naturally, full of useful items that make sense during the winter months. Once you do this, you might find that you need a lot less holiday decor than you thought.” Designers Kelley Lentini and Berkeley Minkhorst, co-founders of Charlotte’s House of Nomad design firm, suggest snagging fresh greenery while you tree shop. “When we go get our tree and they trim the branches, I ask to take the

SPECIAL ADVERTISING SECTION . THE CHARLOTTE OBSERVER . SATURDAY, NOVEMBER 18, 2017

greenery,” Minkhorst says, adding that she picks up a couple fresh wreaths, as well. “What’s so nice about the holidays is you can bring in the real elements. My biggest thing with holidays is that everyone gets so carried away—keep it simple and fresh.” The duo suggests picking focal points for decorations. “Make a beautiful entryway for your home and focus on the front door, wrapping a beautiful garland around it,” Lentini says. Smith says once the entryway is set, pick two more places to focus your decorating energies. “Maybe that’s the Christmas tree and the mantel,” she says. “If your home is winterized, it will feel festive with just a few added touches.” ROCKIN’ AROUND THE CHRISTMAS TREE If your holiday agenda includes a party and your budget allows for it, consider hiring an event planner who

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$18,000,000 Cindy Barnes Over in sales in 2016 (704) 367-7203

Photo by Katheryn Jeanne Photograph / Design by Katrina Hutchins Events

UNDER CONTRACT

Quail Hollow for $600,000! 2900 sq.ft. with master down. Classic, modern, with the updates you want. 8300 Merrimack Court - MLS# 3322452 - $600,000

UNDER CONTRACT

Don’t miss this one! Adorable Cotswold home with terrific updates, great style & a 2-car garage. 1103 Hulston Court - MLS# 3337344 - $425,000

UNDER CONTRACT

Ronda Avenue MLS# 3264020

$100,000 Builder opportunity in popular Stonehaven! Fresh, bright SouthPark townhome w/2 BDRMS’s plus flexroom. Modern kitchen, pretty courtyard, spacious rooms throughout. 3522 Kylemore Court - MLS# 3313519 - $365,000

will assist in pulling off your vision and managing all the details, Hutchins says. Katrina Hutchins Events tackles a design plan, covering everything from vendor selections and florists, to linens, china, chargers and silverware for creating a gorgeous tablescape. But if you want to tackle details for your event, go simple on the tablescape, Hutchins says. “Don’t be afraid to use things you already own, like ornaments, for a centerpiece,” she says. A table instantly looks beautiful if a textured linen is selected. She suggests renting items from Party Reflections or hitting up Restoration Hardware or West Elm. For a well-dressed table, Lentini and Minkhorst suggest organically layering fresh greenery with a strand of copper-wire macro lights and some berries. Then, add in a bouquet from their favorite floral studio in NoDa, Nectar. “Tell them your budget, and they pull together this bouquet by color and season,” Minkhorst says.

CHESTNUTS ROASTING ON AN OPEN FIRE If you are throwing a dinner party on a budget, Hutchins suggests prioritizing hiring out the catering, which is the most time consuming element. “It doesn’t matter how pretty a place setting is if the food isn’t good— that’s what people will remember,” Hutchins says. Or, consider hiring a food truck. “It’s a conversation starter, it’s fun,” Hutchins says, adding that three of her favorites are Tin Kitchen, Papi Queso and Hiya Food Truck. If food prep is your thing, Smith suggests a rule of two. “When it comes to hosting a meal, as much as I enjoy cooking, I usually only allow myself to prepare two things from scratch. The rest is semi-homemade, or I’ll take people up on their offer to bring something,” she says. Most of all, Hutchins suggests considering this for your event: Don’t assume it has to be super formal. “Tradition is lovely, but if that’s not who you are, do something different.” Departures from the norm could

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SPECIAL ADVERTISING SECTION . THE CHARLOTTE OBSERVER . SATURDAY, NOVEMBER 18, 2017

Large lot, ideal for basement

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 19P

Karen Anderson Dawn Crocker Your Partners in Real Estate

Karen Anderson 704.579.3764

Dawn Crocker 704.497.7902

www.meetKarenandDawn.com UNDER CONTRACT IN 4 DAYS

8921 Magnolia Heights Ct | Charlotte | MLS# 3323897 | $499,000

9447 Nugget Hill Rd | Mint Hill | MLS# 3338168 | $229,900

You’ll love this gorgeous full brick 2 story home that is minutes to every- Charming Cape Cod nestled on almost half acre in Mint Hill on cul de sac. thing! Kitchen w/granite, tile back splash and desk area. Greatroom with Formal areas, Great room with gas fireplace and built ins. Fabulous sunroom gas fireplace and builtins opens to kitchen and breakfast area. Guest suite off GR. Tons of hardwoods. Minutes to shopping, entertainment and I -485. on main. Master retreat is spacious with luxurious bath. His and Her closets. Fabulous screen porch-private yard.

5404 Radcliffe Dr | Waxhaw | MLS# 3337776 | $389,900

be a signature cocktail to greet your guests, or a local beer. If you’re not a mixologist, Bob Peters is for hire—the The Ritz Carlton’s mixologist at The Punch Room. Or, you could hit up Good Bottle Company and have them keg a local brew, such as NoDa Brewing Company’s pumpkin gourd beer, Gordgeous. Smith suggests emphasizing one food memory. “I try to create one special moment where I’ll go slightly overboard and get to be creative. At Christmas, that’s usually a special drink like a cocktail or a cider bar. Every aspect doesn’t have to be creative—just one.” Whatever touch you decide to add, “People really appreciate it,” Hutchins says. “The departure from normal

speaks to how much you value the event.” Don’t forget the impact of simple things, Smith notes. “Lighting and music make a huge impact in the atmosphere. Most people forget to turn down the lights as well as the music on,” she says. Most of all, plan so the holidays can be festive for everyone—including you, Hutchins says. “The holidays always come a lot sooner than they think. It is never to early too start planning ahead.” H|D

For more information on Katrina Hutchins Events, visit katrinahutchins.com, House of Nomad, go to houseofnomaddesign.com and find Myquillyn Smith at thenester.com.

4420 Walter Nelson Rd | Mint Hill | MLS# 3290257 | $425,000

Impressive, spacious and bright two story situated in sought after community Custom built all brick ranch situated on the 17th hole at Pine Lake Country of Briarcrest. .Beautiful hdws on main. Gourmet kitchen opens to great room. Club. What a view. Large great room with fire place and bulilt-ins Recreation Office on main. Master retreat with sitting area. Loft up. Great neighborhood room with full bar that opens to the pool area. Come entertain under the back amenities. Fenced level yard. 3 car garage. porch or swim in your pool.

3039 Beech Court | Indian Trail | MLS# 3336296 | $280,000

7115 Friar Tuck Ln | Mint Hill | MLS# 3334898 | $279,900

Beautiful custom 2 story situated just inside Union County. Stunning hardwoods on the main. Spacious great room with wood burning fireplace. Additional sitting room off the great room is a cozy retreat. Updated kitchen. Bayed breakfast area and formal dining. Upstairs master with vaulted ceiling and glamor bath. Back porch overlooks private yard & fire pit.

Wow! This wonderful home is situated on almost an acre level lot. Open floor plan. Office on main. Spacious great room. Chefs kitchen with granite and tons of work space. Upstairs master retreat with sitting area. Large walk in closet and lovely master bath. 3 car garage. Two patios one accented with pergola. Fenced area in the back.

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SPECIAL ADVERTISING SECTION . THE CHARLOTTE OBSERVER . SATURDAY, NOVEMBER 18, 2017

Photos by Myquillyn Smith

OPEN HOUSE SUNDAY 2-4PM

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Countryside Josephine Trotter PremierSothebysRealty.com

Lauren Alexander 704.996.3468

Matthew Alexander 704.560.2527

Donna Bush 770.842.7626

Jennifer Conrad 704.737.4689

Frances Miller 704.488.0288

Joseph Sibielski 704.617.7500

Susan Ambrosio 704.502.5054

Susan Freshcorn 704.989.0690

Carolyn Taylor 704.236.1936

EXTRAORDINARY Lives. Homes. People.

Giles Barker 704.322.7747

Laurie Beaty 704.993.8773

Jason Gentry 980.428.4130

Sarah Kelley 704.956.6536

Cathy Terry 704.641.5252

Stephanie Todd 704.904.1681

Julie Bradley 704.214.3550

Gail McDowell 704.989.6565

Hanes Walker 704.366.2830

Tanya Brown 704.345.4384

George McDowell 704.989.6752

Charlie Williams 704.737.7741

James Burbach 704.284.0709

Brian Michaels 704.737.9900

David Wittman 704.200.3072

We extend our deepest appreciation to you, our customers, for the opportunities to serve you and achieve extraordinary results. CHARLOTTE | 704.248.0243

LAKE NORMAN | 704.727.4170

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|design instyle

Marquesa Collection from Bernhardt Furniture / bernhardt.com

Table Decisions Holidays are the perfect time to give your dining room seating a refresh by Vicki Payne

t’s the time of the year when we all gather around the table to share our lives with friends and family. It’s also the time we notice how badly we need a new dining room table and chairs whether it’s in the formal dining room or the kitchen. Hard to say which shows the most wear and tear, the table or the chairs. It always seems to me they both become unacceptable at the same time. Perhaps we’re tired of the look, the style or the color. Whatever the reason, they won’t cut it for another holiday season.

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This time, before you plunk down thousands of dollars for a new table and chairs, think about all the issues you had with the old set. Is it too small for your family gatherings? Were you always setting up a card table in the living room and hoping there would be enough kids in attendance that you wouldn’t have to stick one or two adults at the kids’ table? Or is your current table so large the room feels crowded? Do the chairs fit easily around your table? Do they slide in and out without making people move so someone can go for

SPECIAL ADVERTISING SECTION . THE CHARLOTTE OBSERVER . SATURDAY, NOVEMBER 18, 2017

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Campania Collection from Bernhardt Furniture / berhardt.com

seconds are turn off the stove? It’s a numbers game when it comes to dining room furnishings. Table size and shape need to be your first consideration. If you have a small, square dining room, don’t fall in love with a rectangle harvest table when a round one will fit beautifully. A minimum of 36 inches from the table edge to the wall is necessary for a chair to be pulled out and a guest to be seated. The beauty of a round table is your ability to host odd numbers of guests. Depending on the size, three to nine people fit just as nicely as four to 10. The negative, though, is most round tables do not expand. If they do, they become an oval. A 54-inch round table seats six people, a 60-inch can accommodate eight and a 72-inch has room for 10 guests. A rectangular table with an expansion leaf offers the most versatility but still requires the same amount of seating space on each side. A 30x72-inch table seats six guests. A 24-inch expansion leaf allows for two additional guests. Your dining room needs to be a minimum of 8.6x14 feet to be large enough for a table of this size. There’s a wide-range of seating options. The last thing you want is to buy a set of six or eight matching dining room chairs.

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Diversify. Consider purchasing three or four matching chairs for one side of your table and a long bench or settee for the other. Borrow from other rooms. If you have two matching upholstered chairs in your living room, they might work great as his-and-her captain chairs in the dining room. The most appealing seating arrangements are those that employ a nice variety of options—exposed wood mixed with upholstered chairs or acrylics with metal. To make it work, fabrics need to coordinate, the scale of the chairs should be analogous and the seat heights consistent. The normal height of a dining chair seat is 16-17 inches for a table that is 28-30 feet tall. Size and style are important, but don’t overlook the comfort factor. No one wants to sit in a wobbly straight back chair with their chin at table level. Never forget the true magic of any get together is the boundless conversations around the table. H|D

Vicki Payne Donatelli is an interior designer, project coordinator and popular speaker for renovation and new construction projects. She is the host of the national PBS series, For Your Home. Visit her blog at ForYourHome.com.

Wyeth Split Bamboo Floating Round Dining Table / Restoration Hardware / RH.com

SPECIAL ADVERTISING SECTION . THE CHARLOTTE OBSERVER . SATURDAY, NOVEMBER 18, 2017

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|home & garden

hooray for the start of

camellia season

Choose this delightful tree for fabulous autumn color by Nancy Brachey

amellia season opens for me with the first bloom in November. That is Lady Clare, a great camellia I can count on for a long season of bloom. Others, such as Professor Charles Sargent, Pink Perfection, Debutante and Lady Vansittart, will follow to keep me happy all the way through to spring. The range of choices among camellias is so great there is no

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reason to not make them the dominant evergreens of a shady or semi-shady landscape. There are camellias for the early bloom season of November and December (Camellia sasanqua), followed by varieties of Camellia japonica for mid-season in January and February and late bloomers for February into March. The color choices are outstanding from white to pink to red. Some are solid

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EXPERIENCE

•

INTEGRITY

•

RESULTS

{BoBBy SiSk Broker/reALTor®

704.819.0710 BSiSk@eGreALeSTATeConSuLTAnTS.Com 1810 e. 7Th STreeT, ChArLoTTe, nC 28204 | 704.333.2260 |

colors; others have margins or centers of a different color, such as white or cream. While some people may think such a beautiful plant is risky business, camellias are among the easiest and most carefree of landscape plants. Planted correctly, they should grow well, if a bit slowly at first while they get adjusted. It is not difficult to make the most of their beauty. Think first of how you wish to use the plant. Some varieties, such as Yuletide, make excellent screens because of their upright nature and rather dense foliage. Others, such as Lady Clare, make ideal specimen plants, producing small trees with loose, horizontal branching, especially when the lower trunk is cleared of branches. Most camellias prosper in filtered sunlight, the kind of light that breaks through light tree canopies. The Camellia sasanquas will take stronger sunlight, which increases their usefulness, particularly when you need a set

of plants for a hedge in a sunny spot. Their soil requirements are a bit particular but not difficult to achieve. Camellias arose in the acidic soil of Eastern Asia, particularly China and Japan. They require similar soil here, which means the addition of compost to the native clay soil. For fertilizer, choose a product formulated for acid-loving plants such as HollyTone. Because many of the camellias bloom in mid-winter, open blooms may be subject to browning on very cold nights. Anticipating this drop in temperature, you can cut open blooms and bring them indoors to enjoy. Buds tend to survive deep freezes without harm to the eventual bloom. You can plant camellias now through winter. An advantage is you can see the blooms and pick just the style and color you like. Don’t forget to consider the mature size stated on the label, and pick the right one for the space you’ve got. H|D

www.eGreALeSTATeConSuLTAnTS.Com

OPEN HOUSES THIS SUNDAY 1-3PM NEW CONSTRUCTION: 1604 & 1608 Matheson Avenue. Beautiful new construction with 2-car garages, fenced yards and countless updates. Offered at $599,000 and $605,000.

OPEN HOUSE THIS SUNDAY 1-3PM JUST LISTED: 5701 Charing Place, Charlotte. Option for 4 beds, 2 1/2 baths. Basement that could be second living quarters. Numerous updates including custom kitchen. Offered at $329,000.

Ask Nancy Q: . My Knock Out roses are still in bloom. Is this unusual, and should I be worried about cold nights hurting them? A: Knock Outs tend to keep blooming well into autumn, though not so profusely as they did in summer. Just enjoy them while they still have a few blooms. They should not be harmed by the temperatures typical for this time of year. Nancy Brachey: nbrachey@charlotteobserver.com

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704-541-6100 www.CBArboretum.com

SPECIAL ADVERTISING SECTION . THE CHARLOTTE OBSERVER . SATURDAY, NOVEMBER 18, 2017

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Classifieds The Place to Sell and Buy, To Find Jobs, Cars, Real Estate & More!

704-358-5555 www.charlotteobserver.com Real Estate Reader Notice - All Real Estate advertised herin is subject to the Federal Fair Housing Act which makes it illegal to indicate any preference, limitation or discrimination based on race, color, religion, sex, handicap, familial status or national origin, or an intention to make any such preference, limitation or discrimination. We will not knowingly accept any advertising for Real Estate which is in violation of this law. All persons are hereby informed that all dwelling advertised are available on an equal opportunity basis. If you believe that you may have been discriminated against in connection with the sale, rental or financing of housing, call: The United States Department of Housing and Urban Development (HUD) at 1-800-669-9777.

Lots for Sale 1220 Fairmont st 28216 fronting 49 1/2 ft, extening 319 1/2 ft, Call 718-363-0818

Mountain Property for Sale FSBO Beech Mountain Lots $10,000$55,000. Estate Sale - 50 Beech Mountain Lots $750,000. Club Memberships Available. Call 843-651-4545 MOUNTAIN INVESTMENT 10 condos, 8 2BR 2BA, 2 3BR 3BA at Mount Mitchell Golf Club, $120,000 gross income/year, Close in Spring/2018 for full rental year, Possible owner financing. Call and leave message, $1,320,000, 828-675-4923

N.C. MINI MOUNTAIN ESTATE 4Bath 4Bed-Mt. Mitchell Golf Course-River Frontage-Next to Pique - $1,250,000 www.GarcynEstate.com STUNNING NC Mtn Views New log cabin on nearly 2 ac. features vault. ceilings, fireplace, hdwd floors, lg. screened porch, ½ basement, Only $194,900 (828) 286-2981

Farms/Acreage FARM LAND 34 acres, Center Rd. Hwy 97, Chester, SC lots of timber, pond, house needs lots of work, $100,000 336-391-6327 FSBO 2 FAMILY MINI FARM Western York County, SC 803-925-2306

Commercial Real Estate for Rent/Lease OFFICE SPACE FOR RENT IN MT HOLLY 1000 sq ft 3 rooms kitchenette 1 bathroom water included $500/mo 704-214-3635 or 704-747-1432

Uptown — Rent 3BR/2BA HOME w/central heat&air, $950 mo + $950 deposit. 404 Plymouth Avenue. 704-576-2092

Apartments for Rent AFFORDABLE APARTMENTS 2 & 3 Bedrooms starting @ $ 695/mo. Hardwoods, central air, appls, W/D hookup, ceiling fans, gas heat. 2814 Marlowe Ave. 704-393-8047

Rooms for Rent BEAUTIFUL 2.5 +/- ACRE TOPSAIL WATERFRONT ESTATE! Only $29,900 Stunning shoreline and huge views! Only steps to waterside park and trails. Be in the ocean in minutes! Direct Intracoastal Waterway and ocean access! MUST GO! 910-8641212 Many Lots for mobile or modular homes. Some with well and septic. Low DP. EZ terms. Any Size. Bryant Realty 704-567-9836 www.bryantrealty.org

Lake Property for Sale LAKE WATEREE HOME FOR SALE BY OWNER 2bed/2ba,home on cove, fireplace, open concept, wood floors, granite counters, Screen porch, 2 decks, dock, det garage. 1.9 acre fenced lot. $319,900, call for appt. 843-200-2517 $319,900 joko30@aol.com 843 -200-2517

Mountain Property for Sale 1 ACRE wooded lot in gated community on cul de sac, beautiful mountain range views, 12 mins to Boone, located in Ashe Co. Only $39k 704-560-7408

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AFFORD WEEKLY Rental $199+ tax Micro/Fridge, 70+ Channels Fast WiFi, Mrng. Coffee, Maid/Linens Self Laundry Royalinncharlotte.com Bus Rt. 5 (Sprinter)*Call: 704-394-1819

Roommate Wanted HOME TO SHARE Beaut Furn. Room. Nice Location. TV/Cable, Internet. Private BA. All included 704.756.7002 LOOKING FOR ROOMMATE In super nice neighborhood on Busline. Call for more info: 704-890-1894 Quiet clean Room. Cable. Washer/Dryer. Kitchen privileges. $135 per week. 704.891.1670

Manufactured Homes for Rent Concord 2bd 2ba mbl hm clean, lg rms. crd/ cm ck, no pets. 685rt+dep 704-400-5655

Need a job? CLASSIFIEDS

SPECIAL ADVERTISING SECTION . THE CHARLOTTE OBSERVER . SATURDAY, NOVEMBER 18, 2017

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Mortgage Guide Institution

30 yr APR

30 yr Fixed

30yr Fixed APR

Rate

Points

Fees

% Down

APR

Phone Number / Website

15 Yr Fixed

2.875 0.000

5% 2.896

Points: 0.000

7/1 Arm

2.875 0.000

5% 2.940

Fees: $0

LOCAL IN CHARLOTTE FOR 30 YEARS! OPEN SATURDAYS! A+ BBB RATING!

% Down: 5%

FREE FLOATDOWN IF RATES DROP! ZERO CLOSING COST OPTIONS!

Rate: 3.625

15 yr fixed

3.000 0.000

$850 20% 3.040

Points: 0.000

7/1 yr Arm

3.000 0.000

$295 20% 3.125

704-412-9131

Fees: $295

30 yr jumbo

3.875 0.000

$295 20% 3.905

www.mecklenburgmortgage.com

% Down: 20%

Free Prequalification Letters and Rate Quotes 7 days a week

3.653% Mecklenburg Mortgage

Product

Rate: 3.625

3.629% Best Rate Mortgage

The Charlotte Observer NMLS # / License #

NMLS #: 103395

704-529-1233 www.bestratemtg.com

NMLS #: 1190352 LIC# 161067

Savings Update

My bank says I can only make six withdrawals from my savings account each month. Why? By Sabrina Karl If you frequently transfer money out of savings, or cover checking overdrafts with a linked savings account, you’ve likely discovered there’s a limit to how often you can do this in a month. Exceed six withdrawals per statement cycle and your bank will warn you at best, or close your account at worst.

If you’re a first-time offender, you may escape with a warning, or may be able to score a one-time courtesy waiver. But even if you pay the fee, repeatedly exceeding the limit will eventually lead the bank to close your account, as they simply can’t abide by their own Fed requirements if you keep breaking the rules.

But before unloading your anger at your bank, or moving your savings to a seemingly friendlier institution, know that banks have no say in this. The mandate comes down from the Federal Reserve in a rule called Regulation D.

Fortunately, only withdrawals authorized online, by phone, via bill payment or as auto-transfers count toward the six. So if you’ve hit your monthly limit but still need to take out funds, you can avoid the penalty by withdrawing at a branch or ATM, or by requesting a mailed check.

The six-withdrawal limit applies to all liquid savings instruments, so that includes savings and money market accounts. It also applies equally to banks and credit unions. And while the Fed doesn’t dictate fees, most institutions will ding you with a charge – often $10 – to teach you that your savings account can’t be used like a checking account.

With an understanding of the rule, and the ability at many institutions to see how many withdrawals remain for the month, most consumers can plan accordingly to use their account as the Fed requires, and avoid their savings being diminished by fees.

Rate Criteria: The rates and annual percentage rate (APR) are effective as of 11/14/17. 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 $424,101. 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.

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AT THIS MOMENT YOUR PEACEFUL RETREAT AWAITS C O R N E L I U S , N O R T H CA R O L I N A 6 : 0 6 P. M .

PREMIERSIR.COM/ID/3331547

704.727.4170

Contact us today for a consultation on how your home can be marketed in the Carolinas and around the world. 877.539.9865 PremierSothebysRealty.com

Blowing Rock | 828.295.0776 Asheville | 828.277.3238

Charlotte | 704.248.0243

Linville Ridge | 828.898.5151

Banner Elk | 828.898.5022

Lake Norman | 704.727.4170

Uwharrie Lakes | 704.727.4170

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.

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SPECIAL ADVERTISING SECTION . THE CHARLOTTE OBSERVER . SATURDAY, NOVEMBER 18, 2017

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