As the season closes we settle with family, with friends. Together, we rejoice in the company and comfort of those we hold dear. A time for and reflection and resolution: We share our stories. Reminiscences bring tears, often of laughter. Hands meet. Eyes soften.
There is much to be thankful for. Not the least that every New Year brings with it the promise of 365 brand new beginnings.
HERE’S WHERE TO FIND US IN THE NEW YEAR. S HELLY
S W
WOODS
CASTLEBROOKE
BELMONT
CHARLOTTE
CHARLOTTE
CONCORD
INDIAN LAND
SALES CENTER:
SALES CENTER:
SALES CENTER:
SALES CENTER:
SALES CENTER:
2048 Middleton Farms Drive Belmont, NC, 28012
14836 Brotherly Lane Charlotte, NC, 28278
4526 Hubbard Falls Lane Charlotte, NC, 28269
3329 Helmsley Court Concord, NC, 28027
Parkside at
HUNTERSVILLE
HUNTERSVILLE
MOORESVILLE
MOUNT HOLLY
SALES CENTER:
SALES CENTER:
SALES CENTER:
SALES CENTER:
15204 Skypark Drive Huntersville, NC, 28078
11305 Warfield Avenue Huntersville, NC, 28078
109 Waterlynn Club Drive Mooresville, NC, 28117
109 Fielding Street Mount Holly, NC, 28120-9662
3510 East Sandy Trail Indian Land, SC, 29707
CONTACT ONLINE NEW HOME SPECIALIST LAURA O’BRYANT
980-253-2792 info.carolina@mattamyhomes.com
FOR MORE INFORMATION ON OUR COMMUNITIES VISIT US AT MATTAMYHOMES.COM CHARLOTTE
BUILDER OF THE
YEAR
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SALES CENTER HOURS: Monday - Saturday 10am-6pm, Sunday 1pm-6pm Mattamy Homes Limited. Builder’s License # 47524
REIMAGINE REINVENT REJUVINATE HOME
SERVICES
DIRECTORY
KEEP THIS DIRECTORY HANDY FOR THE BEST LOCAL HOME SERVICES BEAUTIFUL LONGLEAF
HOME DELIVERY JIMMY’S PINE STRAW COMPANY
1376081-01
WE DELIVER AND SPREAD
803.366.6999 850 RED RIVER RD., ROCK HILL, SC
To advertise on this page call 704.358.5555
Thank you to our clients and friends for your business and support.
Valerie Mitchener
Owner & Broker 704-577-8200 www.hmproperties.com
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HABENICHT
18 beautiful communities. Too good to pass up. Upscale, innovative living has arrived in Charlotte. Visit one of the 18 communities with homes ranging from 1,947 to 5,306 sq. ft., from the $220s to the $560s. IREDELL COUNTY Bells Crossing – Mooresville From the low $300s
YORk COUNTY
MECkLENbURg COUNTY
Palm Tree Cove II – York From the mid $200s
Mirabella – Huntersville From the low $300s
UNION COUNTY
Handsmill – York From the high $300s
Latta Springs – Huntersville From the high $300s
Briarcrest – Waxhaw From the low $300s
Riverchase – Fort Mill From the mid $200s
Summerwood – Mint Hill From the high $300s
Cureton – Waxhaw From the low $400s
Lakeridge – Tega Cay From the low $300s
Montreux – Charlotte From the high $300s
Candella – Wesley Chapel Coming Soon
CabaRRUs COUNTY
Willowcraft – Stallings Coming Soon
Kellswater – Kannapolis From the high $200s
LINCOLN COUNTY
Churchill Farms – Harrisburg Coming Soon
Arbor Way – Charlotte From the mid $500s Olde Blakeney – Charlotte Coming Soon
Tree Tops – Lake Norman From the mid $300s
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.
Realtor Group
w w w . R o b i n K i n g R e a l t o r. c o m “Tell me your story, I’ll write the next chapter.” (803) 526-1225
Tell us your story at today's Open Houses ROBIN KNOWS DIRT!
4518 Summerside dr, in Lake wylie’s Somerset 2237 iron works dr., Mill Creek Falls at Autumn Cove w/water views..5BR, 2 masters, in Lake wylie.4BR w/bonus, huge new kitchen. $235,000 lovingly upgraded and maintained. $395,000
OpEn HOUSE SAT 2-4pM
2916 Hickory Heights Rd, Hickory Grove. 6940 MOnTGOMERY Rd Lake wylie River cabin enjoyed for generations, big water Beautiful ranch on 8 acres w/oversized w/dock, sunroom, basement. $465,000 garage and 2 out buildings. $195,000
OpEn HOUSE SAT 2-4pM
13424 SAGE THRASHER LOT LAKE WYLIE WATERFRONT 9.54 ac THE SANCTUARY. $925,000 The Glynns at Carolina Crossing Lots on pond $39,000 and $34,000, interior lot $31,000 • LAKE WYLIE WATERFRONT Canoe Lots.3026 & 3027 Willow Breeze. $55,000 each. • Fishing Creek Lake, Waterview lot Jackson Rd. $30,000 • LAKE WYLIE Cooks Cove 5975 Morning Star 4.5Acres $65,000 • Whispering Pines, York SC. Multiple farm lots 7 min. f/ Lake Wylie 5+ acres starting $95,000
1151 LAnCASHiRE dr. indian Land Stunning 2 yr. young brick and stone just outside Ballantyne on 1 acre. $529,900
6635 Little Branch, Campbell Crossing n’borhood. Recreation paradise w/ indoor pool, detached workshop, Clover Schools $390,000
• Falls Rd, Rock Hill 127 acre Southern Farm w/pastures and pond $1,916,850
OpEn HOUSE SAT 2-4pM
2616 MEAdOw Rd. Clover 6795 CAMpBELL Rd in York’s premier Equestrian estate on 29 acres with equestrian community, Campbell Crossing. pastures and new barn. $437,000 Mini farm w/barn, pastures 3.2 acres. $310,000
605 TROLLinGwOOd CT., VAndER LAkES, York S.C. w/Clover Schools. Brick ranch on 1 acre w/pool. $340,000
ESTATES AT GLEnMOOR, YORk, SC new Construction Homes. $230,000$270,000 put 3041 Glenmoor in your GpS.
1440027-02
1060 BEERSHEBA, Clover Beautiful custom build with dramatic features on 7.52 acres. Bring your horses! $325,000
Visit us on
5835 kREpS Rd, Clover Equestrian Estate on 12 acres, 8 barns, 9 pastures, amazing! $450,000
Robin-King-Realtor-Group
See property videos on
by address
*Offer expires 12/31/2014.
SouthPark Associate of the Year Over $20,000,000 in sales in 2013.
0001439390-04
R DE CT UN TRA N CO
4052 Arborway – $960,000 Fabulous outdoor living in Foxcroft. Pool, covered deck w/fireplace. Sleek, renovated kitchen & master suite. MLS#2216113
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
3500 Carmel Road - $450,000 Top to bottom, high-end renovation of post-modern ranch in great location. MLS#3042875
4721 Ashridge Drive - $289,000 The work is done! Updated & freshened: Complete kitchen reno - cabinets, granite, backsplash, Bosch appliances. MLS#3043502
4100 Oldfield Road - $450,000 Fall makeover! Kingswood home on pretty street w/fresh paint, flooring, landscaping, plus recent roof, furnace. MLS#3049054
HAND IT OVER.
cindy.barnes@allentate.com • 704-367-7203
2034 IVERSON LANE
Featured Properties‌
MARVIN
Marvin, NC 28173 Exclusive Sedgefield- 3 acres & 3 levels of living-sauna, billiard, media. private guest suite. www.JeanBenham.com
$1,595,000 Jean Benham 7 0 4 - 3 6 3 - 29 3 8
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The Charlotte . bserver Program
Rate
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Fees
LenderCity, a division of BouLevard Bank
% Down
APR
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http://www.LenderCity.com
Check rates daily at http://charlotte.interest.com
Program
Rate
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Rate
Points
CharLotte Metro federaL Credit union
Fees
% Down
APR
877-865-2298
http://www.cmcu.org
30 yr fixed
3.625
0.000
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5% 3.640 30 yr fixed
3.625
0.000
$75
5% 3.667 30 yr fixed
Call for Rates
20 yr fixed
3.500
0.000
$300
5% 3.538
15 yr fixed refi
2.875
0.000
$75
5% 2.993 15 yr fixed
Call for Rates
15 yr fixed
2.750
0.000
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5% 2.776
7/1 ARM
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5% 2.912 3/1 ARM
3.000
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LOCAL IN CHARLOTTE FOR 25 YEARS! OPEN SATURDAYS! A+ BBB RATING!
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MeCkLenBurg Mortgage
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NMLS# 103395 (E) 718 Central Avenue, Charlotte, NC 28204
1-Year adjustable mortgage trend
3.40
5/1 adjustable mortgage trend 4.000
30 yr fixed
Call for Rates
3.22
3.875
15 yr fixed
Call for Rates
3.04
3.625
7/1 ARM
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2.86
5/1 ARM
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2.68
Free Prequalification Letters and Rate Quotes 7 days a week (B) 1001 Morehead Square Drive #350 Charlotte, NC 28203
1190352
2.50
3.750 3.500 3.375 3.250 3.125 3.000
1-oct 8-oct 15-oct 22-oct 29-oct 5-Nov 12-Nov 19-Nov 26-Nov 3-Dec 10-Dec 17-Dec
Source: Bankrate.com 2014
Each week Bankrate surveys mortgage experts to predict which way rates will go in coming weeks. Here is what they say this week (12/18/14 - 12/24/14) Up: 16% Down: 42% Unchanged: 42%
Tip: A reAl preApprovAl leTs The bAnk give you more AccurATe Terms, insTeAd of relying on esTimATes. iT puTs you AheAd of The process To close fAsTer.
Source: Bankrate.com 2014
4.00%
8-oct 12-nov 17-dec
4.25%
4.50%
4.75%
5.00%
30 yr fixed
15 yr fixed
5 yr ARM
This week
3.94
3.21
3.21
Last Week
4.03
3.28
3.26
Last Year
4.58
3.63
3.33
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 3.75%
3-sep
Calculate Your Mortgage Payment
Mortgage Prediction
Loan Amount 3.50%
30-Jul
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 12/23/14. © 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. FHA Mortgages include both UFMIP and MIP fees based on a loan amount of $165,000 with 5% down payment. VA Mortgages include funding fees based on a loan amount of $165,000 with 5% down payment. 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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