“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
For Centuries Great Communities Have Grown Beside A River. (Some Things Never Change.)
riverwalkcarolinas.com
A dynamic riverfront community offering a distinctive outdoor lifestyle along the Catawba River. Featuring New Homes From the 200’s
CHESMAR.COM (803) 329-7312
SAUSSYBURBANK.COM (704) 361-6825
EVANSCOGHILL.COM (803) 366-4588
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 – $960,000
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 - $385,000 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
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
1383302-02
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
Welcome our new Partner, Lisa Meltzner, helping you write the next chapter!
ROBIN KNOWS DIRT! LAkE wYLiE 394 Stone Cliff, Caroliina Coves w/waterviews and full unfin basement $545,000.
2319 FiRMin, GASTOniA. Cute as a button and completely remodelled, all new everything! $122,000.
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 LAkE wYLiE wATERFROnT 3934 2008 ASHwORTH Entertainer’s delight in Rock $34,000, interior lot $31,000 Sandy Point dr. Main Channel, Hill’s Channing Park. 4BR,large kitchen, formals, amazing views, ranch w/guest cottage. $430,000
slate patio, lovely pool w/poolhouse. $390,000
6635 Little Branch, Campbell Crossing n’borhood. Recreation paradise w/ indoor pool, detached workshop, Clover Schools $400,000
1151 LAnCASHiRE dr. indian Land Stunning 2 yr. young brick and stone just outside Ballantyne on 1 acre. $529,900
605 TROLLinGwOOd CT., VAndER LAkES, York S.C. w/Clover Schools. Brick ranch on 1 acre w/pool. $350,000
1060 BEERSHEBA, Clover Beautiful custom build with dramatic features on 7.52 acres. Bring your horses! $325,000
OPEn HOUSE SAT 2-4
1401717-01
2916 HiCkORY HEiGHTS, Hickory ESTATES AT GLEnMOOR, YORk, Grove private estate on 8 acres. SC new Construction Homes. Lovely inside and out w/screened $230,000-$270,000 put 3041 Glenmoor in your GPS. porch and oversized garage. $195,000
Visit us on
• 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 5-44 acres starting $95,000 • Falls Rd, Rock Hill 127 acre Southern Farm w/pastures and pond $1,916,850
2616 MEAdOw Rd. Clover Equestrian estate on 29 acres with pastures and new barn. $441,000
1815 MCCOnnELLS HwY discover historic McConnells S.C. 3BR manufactured beauty, only 1 yr. old on 10 acres $190,000
Robin-King-Realtor-Group
See property videos on
by address
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
19 beautiful communities. Too good to pass up. Upscale, innovative living has arrived in Charlotte. Visit one of the 19 communities with homes ranging from 1,947 to 5,306 sq. ft., from the $220s to the $600s. IREDELL COUNTY YORk COUNTY Bells Crossing – Mooresville From the mid $300s Palm Tree Cove II – York From the mid $200s
MECkLENbURg COUNTY Mirabella – Huntersville From the low $300s
UNION COUNTY Briarcrest – Waxhaw From the low $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
Cureton – Waxhaw From the mid $300s
Lakeridge – Tega Cay From the mid $300s
Montreux – Charlotte From the mid $400s
Devonridge – Weddington From the low $600s Candella – Wesley Chapel Coming Soon Willowcraft – Stallings Coming Soon
CabaRRUs COUNTY Kellswater – Kannapolis From the high $200s
Arbor Way – Charlotte From the mid $500s Olde Blakeney – Charlotte Coming Soon
Churchill Farms – Harrisburg Coming Soon
LINCOLN COUNTY 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.
F Featured eatured P Properties… roperties…
AR ROUND OUND TO OWN WN
LIMITED OPPORTUNITES REMAIN IN CHRISTENBURY GLEN. I-85, EXIT 49
Cabarrus County Schools 5 BD, 4 BA, 3 Car, 2 Covered Porches
$674,900
149 BRANCHVIEW DR., MOORESVILLE
Ready To Move-In
$290,000
3 Million Dollar Amenity Center • 1st Floor Bedroom and Home Management Office • Sunlit Basement w/ Large Rec Room Master Retreat with 2 Large Walk-Ins & Spa Bath • Only a Few Opportunities Remain in Christenbury Glen www.classicahomes.com/101 Nav: 9900 Christenbury Pkwy, Concord, NC
1399473-02
DISCOVER SERENITY! ELBOW ROOM, TREES AND CONVENIENCE
The Meadows at Cheval 4 BD, 3.5 BA, 3 Car, 2 Covered Porches Inside I-485, convenient address • Open Living, Lots of Windows & Hardwoods • Wow Kitchen, 8’ Island, Walk-in-Pantry Top Finishes • 1st Floor Master Suite • 1st Floor Study • 1st Floor Home Office • Sales by Builder Development Advisory, Inc www.classicahomes.com/216 13605 Castleford Dr, Mint Hill, NC
$524,900
Next Week Quail Hollow
Belmont and Eagle Park – the Celebration of a Big Lifestyle in a Small Town.
704.972.4243 | eaglepark.com
As one of the Charlotte area’s best kept secrets, the city of Belmont offers you small town charm located only 15 minutes from Uptown Charlotte. Belmont’s popular Eagle Park community puts you within walking distance
of parks, restaurants, shopping and schools. Featuring homes of classic design and modern conveniences, Eagle Park gives you the best of both worlds - small town comfort and urban proximity. Homes starting in the $220’s.
Directions: From I-85, take Exit 25, turn right onto N. Main St. Go through downtown Belmont and turn right on Eagle Rd. Eagle Park will be on the right. Model Home Hours: Sun - Mon, 1pm to 6pm; Tues - Sat, 10am - 6pm.
ADVERTISEMENT
The Charlotte . bserver Program
Rate
Best Rate MoRtgage
Points
Fees
% Down
APR
704-529-1233
http://www.bestratemtg.com
Check rates daily at http://charlotte.interest.com
Program
Rate
Points
Fees
lendeRCity, a division oF BoUlevaRd Bank
% Down
APR
866-597-7940
Program
http://www.LenderCity.com
Rate
Points
MeCklenBURg MoRtgage
Fees
% Down
APR
877-493-5002
www.mecklenburgmortgage.com
30 yr fixed
3.750
0.000
$75
20% 3.772 30 yr fixed
3.750
0.000
$300
5% 3.765
30 yr fixed
3.750
0.000
$750
20% 3.787
15 yr fixed
3.000
0.000
$75
20% 3.035 20 yr fixed
3.625
0.000
$300
5% 3.646
15 yr fixed
3.000
0.000
$175
20% 3.015
7/1 ARM
2.875
0.000
$75
20% 2.775 15 yr fixed
2.875
0.000
$300
5% 2.901 7/1 ARM
3.000
0.000
$175
20% 2.935
2.625
0.000
$300
5% 2.761 5/1 ARM
2.625
0.000
$175
20% 2.835
LOCAL IN CHARLOTTE FOR 25 YEARS! OPEN SATURDAYS! A+ BBB RATING! 5/1 ARM FREE FLOATDOWN IF RATES DROP! ZERO CLOSING COST OPTIONS!
Free Prequalification Letters and Rate Quotes 7 days a week (B) 1001 Morehead Square Drive #350 Charlotte, NC 28203
NMLS# 103395 (A) 536 Trade Center Blvd., St. Louis, MO 63005
(B) 814 Tyvola Road, Suite 105, Charlotte, NC 28217
ChaRlotte MetRo FedeRal CRedit Union
10 Year Fixed, 2.875%/0 points. Low closing costs.
877-865-2298
http://www.cmcu.org
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
3/1 ARM
3.000
1.000
$1000
5% 2.827
2.86
5/1 ARM
3.250
1.000
$1000
5% 2.963
2.68 2.50
(E) 718 Central Avenue, Charlotte, NC 28204
3.750 3.500 3.375 3.250 3.125 3.000
27-Aug 3-Sep 10-Sep 17-Sep 24-Sep 1-oct 8-oct 15-oct 22-oct 29-oct 5-Nov 12-Nov
Source: Bankrate.com 2014
Tip: improve your chances for home loan approval by checking crediT
Up: 15% Down: 15% Unchanged: 70%
reporTs and ensuring you’re noT being unfairly penalized for old, paid or seTTled debTs.
Source: Bankrate.com 2014
8-oct 12-nov
4.25%
4.50%
4.75%
5.00%
30 yr fixed
15 yr fixed
5 yr ARM
This week
4.13
3.32
3.22
Last Week
4.14
3.34
3.18
Last Year
4.48
3.49
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 4.00%
3-sep
Calculate Your Mortgage Payment
Each week Bankrate surveys mortgage experts to predict which way rates will go in coming weeks. Here is what they say this week (11/13/14 - 11/19/14)
3.75%
25-Jun 30-Jul Source: Bankrate.com 2014
Mortgage Prediction
Loan Amount 3.50%
1190352
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 11/12/14. © 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
WWW.MODERNANC.COM
26 Elegant Modern
Single Family Homes Grand Opening Thursday January 8th 3-7 pm 2406 Millie Lane
✆ 704.333.2260 Elizabeth Grillo
WWW.MODERNANC.COM WWW.EGREALESTATECONSULTANTS.COM
1405029-01
EXQUISITE ESTATES Immerse yourself in a private world of luxury and intrigue. A world full of splendor, set apart from the rest.
beyond the extraordinary...
premiersothebysrealty.com 704.248.0243
DENVER | NORTH CAROLINA premiersir.com/id/3025098
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.