“ONE OF THE TOP MOUNTAIN COMMUNITIES IN THE HIGH COUNTRY” (THE LAND REPORT)
MOUNTAIN HOMES steps from the Elk River
ONLY $199,900! HIGH ELEVATION PROPERTIES from
ONLY $49,900!
C O M E V I S I T US TO DAY !
888.820.4034 ext. 01186 1366962-06
www.eaglesnestatbannerelk.com
mattamyhomes.com
Let’s All Help Second Harvest Feed Families. The Second Harvest Food Bank of Metrolina has been helping feed people in need since 1981. At Mattamy Homes, we believe in giving back any way we can. One way is to use our Sales Centers in each of our communities to collect food for Second Harvest. To that end, please drop off your contributions of non-perishable food items to any of our communities listed below. Hunger is something that no one should ever experience and with your generous help, we can come one step closer to making sure no child goes hungry. Please drop off your donations anytime until November 16, 2014. You can help families in need have a Thanksgiving of their own.
Make Your Donation To Second Harvest At The Following Mattamy Communities: • Sodded Front Yard
S HELLY
S W
CASTLEBROOKE
WOODS
BELMONT
CHARLOTTE
CHARLOTTE
CONCORD
INDIAN LAND
Sales Center: 2048 Middleton Farms Drive, Belmont, NC, 28012
Sales Center: 14836 Brotherly Lane, Charlotte, NC, 28278
Sales Center: 4526 Hubbard Falls Lane, Charlotte, NC, 28269
Sales Center: 3329 Helmsley Court Concord, NC, 28027
Sales Center: 3510 East Sandy Trail, Indian Land, SC, 29707
To find out more about our communities, contact our Online New Home Counselor LAURA O’BRYANT at (980) 253-2792 or info.carolina@mattamyhomes.com
Parkside at
HUNTERSVILLE
HUNTERSVILLE
MOORESVILLE
MOUNT HOLLY
Sales Center: 15204 Skypark Drive, Huntersville, NC, 28078
Sales Center: 11305 Warfield Avenue, Huntersville, NC, 28078
Sales Center: 109 Waterlynn Club Drive Mooresville, NC, 28117
Sales Center: 109 Fielding Street, Mount Holly, NC, 28120-9662
CHARLOTTE BUILDER OF THE YEAR Follow us:
Sales Center Hours: Monday - Saturday 10 am - 6 pm, Sunday 1 pm - 6 pm Mattamy Homes Limited. Builder’s License # 47524
GASTON COUNTRY CLUB
Always...
GASTON COUNTRY CLUB
HomeWithCathy.com Views of the golf course! 3672 Brentwood Circle, Gastonia 4 Bedrooms 3/2 Baths MLS 2206128 $397,000
2 Master Suites plus Bonus Rm 1637 Lakefield Circle, Gastonia 5 Bedrooms 3.5 Baths MLS 3011375 $343,000
GASTONIA ~ GLENMOOR
GASTONIA ~ GLENMOOR
Parade of Homes Winner 2832 Devonshire Cour t, Gastonia 5 Bedrooms 3.5 Baths MLS 3028970 $344,900
Custom Built 2912 Ber wick Lane, Gastonia 5 Bedrooms 3.5 Baths MLS 2124165 $350,000
BELMONT ~ TIMBERLAKE
3 Car Garage! 2700 Greenmont Circle, Belmont 4 Bedroom 2.5 Baths MLS 3019930 $334,900
BELMONT ~ TIMBERLAKE
Brazilian Cher r y Floors! 2560 Shaggy Bark Cour t, Belmont 4 Bedroom 2.5 Baths MLS 3041805 $310,000
STANLEY
1386516-01
Cathy Young And Associates
Bennington Woods! 116 Johnsbur y Drive, Stanley 4 Bedroom 2.5 Baths MLS 3020586 $165,000
Thank You for Allowing Us to Ser ve You! Because of You: Top 100 Agents Allen Tate Company Top 5 % Allen Tate Agents Chairmans Circle Presidents Club Over 75 Million in Closed Production with Allen Tate Co. Cathy Young, GRI Broker / Realtor 704-860-5400
David Young Broker / Realtor 704-718-6938
Cindy Eaker Broker / Realtor 704-747-6403
Kerianne Wilcox Broker Realtor 704-913-5074
BELMONT ~ TIMBERLAKE
Second Living Quar ters! 2711 Greenmont Circle, Belmont 5 Bedrooms 3 Baths MLS 3013284 $280,000
BELMONT
Lakewood Subdivision 223 Woodridge Drive, Belmont 4 Bedrooms 2 Baths MLS 3013946 $176,900
LAND - OVER 37 ACRES
Seasonal Views of Charlotte Skyline plus Views of Crowders Mountain Pinnacle Rd, Kings Mt., Gaston County MLS 2120409 $375,000
F Featured eatured P Properties… roperties…
AR ROUND OUND TO OWN WN
149 BRANCHVIEW DR., MOORESVILLE
Ready To Move-In
$290,000
Next Week… ROCK HILL
F Featured eatured P Properties… roperties…
GA ASTONIA STONIA
2301 KINMERE DRIVE
Contact Marti to be your Buyer Agent!
$237,329
108 LAUREL GLEN WAY, STONEWATER
Mount Holly, NC 28120
$474,500
BELMONT - 5636 AMANDA LANE
Open and Spacious Plan with Privacy Behind! $289,975
9004 SINGING PINE RD
1 Story with Basement
$199,900
4BR/2BA 2000sq ft Home. Basement has Private Master Retreat with Sitting area & Den. Remodeled home with New Granite Counters, Cabinets, Recessed Lighting, Refinished Hardwoods. Baths have New Tile Showers & Tile Floors. Exterior has New Roof, Gutters, Siding, Windows, HVAC & Huge Wrap Around Deck. Near Whitewater Park. www.ncresinc.com
2725 SMETHWICK LANE
Brand new all BRICK Lennar homes!
$259,920
1321 N MODENA ST.
Gastonia, NC 28054
$115,000
9132 SHOREWOOD PLACE MISTY WATERS
Waterfront! Indoor Pool! High tech!
$1,275,000
SouthPark Associate of the Year Over $20,000,000 in sales in 2013. T
AC
R DE UN
R NT CO
3115 Springs Farm Lane – $525,000
4052 Arborway – $1,000,000
Best in class! Terrific floor plan, sophisticated finishes, gated community. Lawn maintenance included in HOA.
MLS#3024679
Fabulous outdoor living in Foxcroft. Pool, covered deck w/fireplace. Sleek, renovated kitchen & master suite.
MLS#2216113
7926 Greenview Terrace Court - $390,000 Lifestyle & location at modern Greenview Terrace! Lovely, bright townhome w/pretty golf views. High-end finishes.
MLS# 3037659
3500 Carmel Road - $450,000
Top to bottom, high-end renovation of post-modern ranch in great location.
MLS#3042875
O RC DE N U
A
R NT
CT
4721 Ashridge Drive - $289,000
The work is done! Updated & freshened: Complete kitchen reno - cabinets, granite, backsplash, Bosch appliances.
MLS#3043502
9615 Deer Spring Lane - $325,000
Brick beauty in close-in Cameron Wood. Open floor plan w/hardwoods, sunroom & bonus. Swim/tennis neighborhood.
MLS#3022988
O RC DE UN
T
AC
R NT
1313025-05
820 Garden District Drive - $190,000
Rare opportunity! Garden District beauty w/bright, open plan freshened top to bottom. Balcony & private courtyard.
MLS#3040601
HAND IT OVER.
cindy.barnes@allentate.com • 704-367-7203
REIMAGINE REINVENT REJUVINATE HOME
SERVICES
New Price $1,225,000 8202 Catawba Cove Dr.
DIRECTORY
KEEP THIS DIRECTORY HANDY FOR THE BEST LOCAL HOME SERVICES BEAUTIFUL LONGLEAF
HOME DELIVERY JIMMY’S PINE STRAW COMPANY
803.366.6999 850 RED RIVER RD., ROCK HILL, SC
To advertise on this page call 704.358.5555
1389923-01
1376081-01
WE DELIVER AND SPREAD
R E A L
J. ARLEGUI
J. ARLEGUI 980-220-2474 980-220-2474
E S TAT E
J ARLEGUI REALTY GROUP www.CarolinaRelocators.com
RICK LOPEZ RICK LOPEZ 704-750-1684
704-750-1684
19 beautiful communities. Too good to pass up. Come see how great living in Charlotte can be at one of these 19 communities with homes ranging from 1,947 to 5,306 sq. ft., from the $220s to the $600s. IREDELLE COUNTY
YORk COUNTY
MECkLENbURg COUNTY
Bells Crossing – Mooresville From the mid $300s
Palm Tree Cove II – York From the mid $200s
Mirabella – Huntersville From the low $300s
Tree Tops – Lake Norman From the mid $300s
Handsmill – York From the high $300s
Latta Springs – Huntersville From the high $300s
Riverchase – Fort Mill From the mid $200s
Summerwood – Mint Hill From the high $300s
Lakeridge – Tega Cay From the mid $300s
Montreux – Charlotte From the mid $400s
UNION COUNTY Briarcrest – Waxhaw From the low $300s Cureton – Waxhaw From the mid $300s
CabaRRUs COUNTY
Devonridge – Weddington From the low $600s
Kellswater – Kannapolis From the high $200s
Candella – Wesley Chapel Coming Soon
Churchill Farms – Harrisburg Coming Soon
Arbor Way – Charlotte From the mid $500s Olde Blakeney – Charlotte Coming Soon
WIllowcraft – Stallings Coming Soon
855-499-5614 • meritagehomes.com/observer Pictures and other promotional materials are representative and may depict or contain floor plans, square footages, elevations, options, upgrades, extra design features, decorations, floor coverings, decorative light fixtures, custom paint and wall coverings, window treatments (such as shutters, drapes, etc.), landscaping, pool, spa, sound and alarm systems, furnishings, appliances, and other design/decorator features and amenities that are not included as part of the home and/or may not be available in all communities. Prices, rates, terms, programs and availability subject to change or revocation without prior notice or obligation. Offers and availability, including amount, duration and particular home/plan, may vary. Cannot be combined with any other promotion or incentives unless approved by Meritage management. Please see sales agent for complete details.
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Rate
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Fees
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APR
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APR
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30 yr fixed
3.750
0.000
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20% 3.787 30 yr fixed
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30 yr fixed
3.625
0.000
$300
5% 3.640
15 yr fixed
3.000
0.000
$175
20% 3.015
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20 yr fixed
3.500
0.000
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5% 3.521
7/1 ARM
2.875
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20% 2.904 3/1 ARM
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5% 2.956 5/1 ARM
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Free Prequalification Letters and Rate Quotes 7 days a week (B) 1001 Morehead Square Drive #350 Charlotte, NC 28203
best rate Mortgage
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704-529-1233
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(A) 536 Trade Center Blvd., St. Louis, MO 63005
1-Year Adjustable Mortgage Trend
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5/1 Adjustable Mortgage Trend 4.000
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LOCAL IN CHARLOTTE FOR 25 YEARS! OPEN SATURDAYS! A+ BBB RATING!
2.68
FREE FLOATDOWN IF RATES DROP! ZERO CLOSING COST OPTIONS! (B) 814 Tyvola Road, Suite 105, Charlotte, NC 28217
NMLS# 103395
2.50
3.750 3.500 3.375 3.250 3.125 3.000
13-Aug 20-Aug 27-Aug 3-Sep 10-Sep 17-Sep 24-Sep 1-Oct 8-Oct 15-Oct 22-Oct 29-Oct
Calculate Your Mortgage Payment
Mortgage Prediction Each week Bankrate surveys mortgage experts to predict which way rates will go in coming weeks. Here is what they say this week (11/6/14 - 11/12/14)
Tip: Home equiTy can be used To invesT for a HigHer reTurn as long as inTeresT raTes remain low.
Up: 19% Down: 0% Unchanged: 81%
Source: Bankrate.com 2014
3.75%
4.00%
4.25%
4.50%
4.75%
5.00%
30 yr fixed
15 yr fixed
5 yr ARM
This week
4.10
3.27
3.17
Last Week
4.05
3.21
3.14
Last Year
4.27
3.38
3.26
Source: Bankrate.com, for more information visit www.bankrate.com. Bankrate national averages are based on 100 largest institutions in the top 10 markets in the United States.
30-YeAr MortgAge rAte cALcuLAtor
30-YeAr MortgAge rAte cALcuLAtor Loan Amount 3.50%
11-Jun 16-Jul 20-Aug 24-Sep 29-Oct Source: Bankrate.com 2014
Source: Bankrate.com 2014
5.25%
5.50% Loan Amount 3.50%
3.75%
4.00%
4.25%
4.50%
4.75%
5.00%
5.25%
5.50%
$165,000 $740.92 $764.14 $787.74 $811.70 $836.03 $860.72 $885.76 $911.14 $936.85
$215,000 $965.45
$175,000 $785.83 $810.45 $835.48 $860.89 $886.70 $912.88 $939.44 $966.36 $993.63
$225,000 $1,010.35 $1,042.01 $1,074.18 $1,106.86 $1,140.04 $1,173.71 $1,207.85 $1,242.46 $1,277.53
$995.70
$1,026.44 $1,057.67 $1,089.37 $1,121.54 $1,154.17 $1,187.24 $1,220.75
$185,000 $830.73 $856.76 $883.22 $910.09 $937.37 $965.05 $993.12 $1,021.58 $1,050.41 $235,000 $1,055.26 $1,088.32 $1,121.93 $1,156.06 $1,190.71 $1,225.87 $1,261.53 $1,297.68 $1,334.30 $195,000 $875.64 $903.08 $930.96 $959.28 $988.04 $1,017.21 $1,046.80 $1,076.80 $1,107.19 $245,000 $1,100.16 $1,134.63 $1,169.67 $1,205.25 $1,241.38 $1,278.04 $1,315.21 $1,352.90 $1,391.08 $205,000 $920.54 $949.39 $978.70 $1,008.48 $1,038.70 $1,069.38 $1,100.48 $1,132.02 $1,163.97 $255,000 $1,145.06 $1,180.94 $1,217.41 $1,254.45 $1,292.05 $1,330.20 $1,368.90 $1,408.12 $1,447.86
lenders, to participate in this feature call bankrate.com sales department @ 800-509-4636 Legend: The rate and annual percentage rate (APR) are effective as of 11/5/14. © 2014 Bankrate, Inc. http://www.interest.com. The APR may increase after consummation and may vary. Payments do not include amounts for taxes and insurance. The fees set forth for each advertisement above may be charged to open the plan (A) Mortgage Banker, (B) Mortgage Broker, (C) Bank, (D) S & L, (E) Credit Union, (BA) indicates Licensed Mortgage Banker, NYS Banking Dept., (BR) indicates Registered Mortgage Broker, NYS Banking Dept., (loans arranged through third parties). “Call for Rates” means actual rates were not available at press time. 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 $435,000. Points quoted include discount and/or origination. Lock Days: 30-60. 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. 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. Bankrate, Inc. does not guarantee the accuracy of the information appearing above or the availability of rates and fees in this table. All rates, fees and other information are subject to change without notice. Bankrate, Inc. does not own any financial institutions. Some or all of the companies appearing in this table pay a fee to appear in this table. If you are seeking a mortgage in excess of $417,000, recent legislation may enable lenders in certain locations to provide rates that are different from those shown in the table above. Sample Repayment Terms – ex. 360 monthly payments of $5.29 per $1,000 borrowed ex. 180 monthly payments of $7.56 per $1,000 borrowed. We recommend that you contact your lender directly to determine what rates may be available to you. To appear in this table, call 800-509-4636. To report any inaccuracies, call 888-509-4636. • http://charlotte.interest.com
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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 that may include, but not limited to county records and the multiple listing service and it may include approximations. All information is deemed accurate.