“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
THE
Long
TABLE.
Thanksgiving is one of those celebrations that always gets bigger and better as families grow. Dinner at the long table is time for laughter over funny jokes and not-so-funny jokes and friendly arguments about the local teams. We all enjoy these moments, surrounded by people we love. Maybe that’s why everyone lingers around the table long after the meal is over. We just don’t want it all to end. There is never anyone who isn’t glad that they came. Nor is there ever anything left on the plates. We really do have much to be thankful for and much to feel good about.
Here’s Where To Find Our Homes: 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
Buyers
1413040-01
We currently have buyers for the following area’s call us today for a private consultation to see if we can help you! Birkdale Cove Key Davidson Landing
Harborside Kings Point Macaulay
Nor thstone Robbins Park The Peninsula
Our Friends Become Our Clients and Our Clients Become Our Friends
704-491-4640
Email: debigallo@gmail.com www.debigallorealty.com
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. YORk COUNTY IREDELL 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
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 mid $300s
Lakeridge – Tega Cay From the low $300s
Montreux – Charlotte From the mid $400s
Candella – Wesley Chapel Coming Soon
Arbor Way – Charlotte From the mid $500s
CabaRRUs COUNTY
Willowcraft – Stallings Coming Soon
Kellswater – Kannapolis From the high $200s
LINCOLN COUNTY
Churchill Farms – Harrisburg Coming Soon
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.
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
style&value
We craft the places where life converges.
Converging style & value since 195O. 704.334.5477
Members of
NARI NATIONAL ASSOCIATION OF THE REMODELING INDUSTRY
MEMBER
Award winning home renovators and builders with a talent for details.
Better Business Bureau of Southern Piedmont
Home Builders Association of Charlotte
Proud supporter of Make-A-Wish Central & Western NC Chapter
G E N E R A L C O N T R AC TO R
andrewroby.com c
the
Ro bee
R oby family of companies
MTNS TO COAST
photography by neffworks
And, when the time is right, we’re ready to bring style & value together in your home – the kitchen, bedroom, bath – wherever.
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
1383302-03-1
O RC DE UN
T
AC
R NT
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
cus•tom de•light
Your dreams are ours. We customize our plans for your needs or build for you a one-of-a-kind custom home. That’s the Niblock Way.
Visit soon, discover delight! Bedford Farms • Concord • $250s - $400s Laurel Park • Concord • $300s - $550s Kensington Forest • Harrisburg • $330s - $550s Ashlyn Creek • Mooresville • $280s - $400s The Gates at Waterside • W Lake Norman • $250s - $400s Custom On Your Lot • $300s - $800s
For Directions, Floorplans and Quick Move-In Homes www.NiblockHomes.com • 704-309-0968
S I M P LY
the Best
IN DESIGN
3 New Neighborhoods • Think South Charlotte
M
agic happens when
someone reaches into your heart, finds your dream and has already designed it. That’s where we come in. We collaborate with the best in architecture and give you a team whose expertise and attentiveness to your needs make building your home a fun expeModel open daily at Cheval
The Meadows at Cheval
mid $400’s - mid $600’s 13620 Castleford Dr, Mint Hill 28227 704-573-2800 3 Quick Move-in Homes
Sales center open daily at Cureton
Cureton
mid $500’s - $700’s 2600 Sandgate Ave, Waxhaw 28173 704-243-0032 4 Quick Move-in Homes
Blakeney Retreat
mid $500’s - $700’s Blakeney Heath Rd, Charlotte 28277 704-243-0032 4 Quick Move-in Homes
rience. We invite you to choose to live inspired!
ClassicaHomes.com 2014 Charlotte Builder of the Year
F Featured eatured P Properties… roperties… QU UAIL AIL HO OLLOW LLOW 4031 MOORLAND DRIVE
MLS # 2211214
$899,000
Around TOWN
Next Week… HUNTERSVILLE 149 BRANCHVIEW DR., MOORESVILLE
Ready To Move-In New Home in Ashlyn Creek, 4 Bdrms, 3 Baths, Bonus Rm, granite, fenced back yard, blinds, Must See!
www.NiblockHomes.com
$290,000 Niblock Homes 704-664-4002
ADVERTISEMENT
The Charlotte . bserver Program
Rate
Points
Fees
Charlotte Metro Federal Credit Union
% Down
APR
877-865-2298
http://www.cmcu.org
Check rates daily at http://charlotte.interest.com
Program
Rate
MeCklenBUrg Mortgage
Points
Fees
% Down
APR
877-493-5002
Program
www.mecklenburgmortgage.com
Rate
Points
Best rate Mortgage
Fees
% Down
APR
704-529-1233
http://www.bestratemtg.com
30 yr fixed
Call for Rates
30 yr fixed
3.750
0.000
$750
20% 3.787 30 yr fixed
3.750
0.000
$75
20% 3.772
15 yr fixed
Call for Rates
15 yr fixed
3.000
0.000
$175
20% 3.015 15 yr fixed
3.000
0.000
$75
20% 3.035
3/1 ARM
3.000
1.000
$1000
5% 2.843 7/1 ARM
3.000
0.000
$175
20% 2.935 7/1 ARM
2.875
0.000
$75
20% 2.775
5/1 ARM
3.250
1.000
$1000
5% 2.976 5/1 ARM
2.625
0.000
$175
20% 2.835
Free Prequalification Letters and Rate Quotes 7 days a week (E) 718 Central Avenue, Charlotte, NC 28204
(B) 1001 Morehead Square Drive #350 Charlotte, NC 28203
lenderCity, a division oF BoUlevard Bank
866-597-7940
http://www.LenderCity.com
LOCAL IN CHARLOTTE FOR 25 YEARS! OPEN SATURDAYS! A+ BBB RATING! FREE FLOATDOWN IF RATES DROP! ZERO CLOSING COST OPTIONS!
1190352 (B) 814 Tyvola Road, Suite 105, Charlotte, NC 28217
1-Year Adjustable Mortgage Trend
3.40
5/1 Adjustable Mortgage Trend 4.000
30 yr fixed
3.750
0.000
$300
5% 3.765
3.22
3.875
20 yr fixed
3.625
0.000
$300
5% 3.646
3.04
3.625
15 yr fixed
2.875
0.000
$300
5% 2.901
2.86
5/1 ARM
2.625
0.000
$300
5% 2.768
2.68
10 Year Fixed, 2.875%/0 points. Low closing costs.
2.50
(A) 536 Trade Center Blvd., St. Louis, MO 63005
3.750 3.500 3.375 3.250 3.125 3.000
3-Sep 10-Sep 17-Sep 24-Sep 1-Oct 8-Oct 15-Oct 22-Oct 29-Oct 5-Nov 12-Nov 19-Nov
Source: Bankrate.com 2014
Up: 31% Down: 0% Unchanged: 69%
Tip: To improve your crediT score, pay every bill on Time and reduce your balances To less Than 30 percenT of every accounT’s crediT limiT.
Source: Bankrate.com 2014
4.25%
4.50%
4.75%
5.00%
30 yr fixed
15 yr fixed
5 yr ARM
This week
4.10
3.30
3.21
Last Week
4.13
3.32
3.22
Last Year
4.39
3.42
3.28
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%
6-Aug 10-Sep 15-Oct 19-Nov
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 (11/20/14 - 11/26/14)
3.75%
2-Jul
Source: Bankrate.com 2014
Mortgage Prediction
Loan Amount 3.50%
NMLS# 103395
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 11/19/14. © 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
GIVING THANKS
Thank you to our experienced associates for consistently demonstrating the highest standards of integrity, and proven success in marketing distinguished properties in your community and around the globe. Matthew Alexander Broker Associate
Giles Barker
Jennifer Barbin Broker Associate
premiersothebysrealty.com
Sales Associate
Sales Associate
Tanya Brown
Matthew Brown
Patrick Deely
Michael Feehley
Elizabeth Fletcher
Broker Associate
Brian Michaels Broker Associate
Broker Associate
Frances Miller
Broker Associate
Michelle Campos
Broker Associate
Belinda Cohen
Broker Associate
Broker Associate
Jason Gentry
Alex Harnicholas
Brandi Honeycutt
Broker Associate
Broker Associate
Pamela Sielaff
Stephanie Todd
Broker Associate
Jill Castle
Sales Associate
Broker Associate
Sales Associate
Erin Toste
Broker Associate
Jennifer Conrad Broker Associate
Sarah Kelley
Broker Associate
Broker Associate
Michael Toste
Ashley Valentine
Broker Associate
Broker Associate
Nadine Deason Broker Associate
Lana Laws
Broker Associate
Hanes Walker
Broker Associate
BEYOND EXTRAORDINARY Premier Sotheby’s International Realty takes great pride in our comprehensive industry experience and personalized attention to the unique needs of the luxury real estate market. Let us put our expertise to work for you. List with us. Charlie Williams Broker Associate
5970 Fairview Road, Suite 110 Charlotte, NC 28210 704.248.0243
Patsy Wilson
Broker Associate
David Wittman Sales Associate
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.