of of the the
T H E CHARLOTTE
A R T I S T R Y
Bear Creek at Palisades
O F
H O M E®
HUNTERSVILLE
Beckett Single Family
Starting in the mid $200’s 704-332-3335
Single Family Starting in the low $400’s 704-588-9266
Starting in the upper $200’s 704-948-3222
Brightwalk Townhomes
FORT MILL, SC
MOORESVILLE
Brightwalk Single Family
Starting in the $150’s 704-332-3335
Brightwalk Metro Townhomes Starting in the $200’s 704-332-3335
Chapel Cove Single Family Starting in the low $300’s 704-583-5299
Austin’s Creek at Palisades Single Family Starting in the mid $200’s 704-588-3146
Eppington Single Family Starting in the low $400’s 803-802-0061
The Forest at Fort Mill Single Family Starting in the upper $300’s 803-396-7899
Springfield Single Family Starting in the upper $400’s 803-547-0093
Byers Creek Single Family
Ladera Single Family Starting in the mid $600’s 704-609-2721
Coming Soon! Call 800-787-0414
Starting in the mid $200’s 704-696-2686
Inverness on Providence
WAXHAW
Vintage Creek
Weddington Trace Single Family Starting in the low $400’s 704-843-4163
Tuscany Single Family
Starting in the low $300’s 704-458-9160
standardpacifichomes.com
Waxhaw, NC Starting in the upper $300’s
Weddington, NC Starting in the upper $500’s
Davidson East
Davidson, NC Starting in the mid $200’s - $500’s
Brayden
Fort Mill, SC Starting in the upper $200’s - $500’s
Prices, plans, and terms are effective on the date of publication and subject to change without notice. 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. 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.
Discover Extraordinary New Places To Live In The Carolina’s. Opening Soon, Brand New Communities With Exceptional Townhome and Single Family Home Designs. This Spring 2015, find your perfect home at the perfect price in 4 upcoming communities.
IN FORT MILL
STONEHAVEN AT BEREWICK
KING’S GROVE
LAWSON
Townhomes From The Upper $100’s
Townhomes From The Upper $100’s
Single Family Homes From The Low $200’s
Luxury Single Family Homes From The Mid $400’s
AYRSHIRE
CHARLOTTE
BUILDER OF THE
YEAR
IN CHARLOTTE
IN YORK
IN WAXHAW
FOR MORE INFORMATION ON OUR COMMUNITIES VISIT US AT MATTAMYHOMES.COM Follow us:
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
OPEN HOUSE! THE BEST OF CURETON, NEW PHASE BY CLASSICA Off Marvin-Waxhaw Rd $584,900
SPACIOUS HOME SITE, QUIET LIVING
Bedrooms, 3.5 Baths, 3 Car Garage
1st Floor Master Retreat, Study & Home Office. Room-Sized Covered Front and Back Porches. L-Shaped Open Living with Jewel of a Kitchen. 2nd Floor Kick-back TV Room for Lounging
1513223-05
13600 Castleford Dr, Mint HIll
www.classicahomes.com 704-507-2907 2605 Holmview St, Waxhaw
F Featured eatured P Properties… roperties…
ARROUND OUND TO OWN WN 1400 SCOTLAND AVE
New Construction 6,500HSF - Greg Perry Design $2,600,000
PERFECT “DOWN-SIZE” - WALKABLE TO EVERYTHING
Choose from five professionally designed Skye Club units
$600K-$899K
Your lifestyle is effortless in Uptown’s newest luxury building, The Skye. Amenity rich services include Valet parking, the best CLTLuxury.life
1511 PROVIDENCE ROAD
OPEN HOUSE! UNION COUNTY: KENSINGTON & CUTHBERTSON SCHOOLS Prime location in Cureton $647,900 5 Bedrooms, 4.5 Baths, 3 Car Garage
Totally Remodeled Down to the Studs
$999,900
2497 CHRISTENBURY HALL CT, CONCORD
Premiere Luxury Neighborhood, Gated Elegance
1st Floor Master and Study. Formal and Informal Dining. Open Living. Covered Outdoor Room, Patio w/Fireplace. 8’ Kitchen Island. Clubhouse, pool, fitness, trails, nature. GPS 2900 McPherson St, Waxhaw www.classicahomes.com 704-507-2907 2603 Holmview St, Waxhaw
OPEN HOUSE! FIRST FLOOR MASTER RETREAT & STUDY
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 13605 Castleford Dr, Mint Hill, NC www.classicahomes.com/216 MLS 2209879
$499,900
F Frances rances M Miller iller ooffers ffers
a historic location where you can make your own history...
Fairfield Plantation $2,500,000.00
Fairfield Plantation was one of upcountry South Carolina’s largest plantations and was responsible for bringing cotton to the upcountry. Built by Capt. James Kincaid around 1774, it has been lovingly maintained and updated while keeping the historical relevance at the forefront of those renovations. This storied estate is a rare find, and is an exceptional opportunty for you to own a piece of history. 23 +/- Acres (option of 250 +/- more with hunting cabin.) Includes Main House, Kitchen House, Carriage House (garage), Guest House, Pool Cababa and bathhouse and other sundry outbuildings.
Frances Miller
Broker Associate
5970 Fairview Road, Suite 110 | Charlotte, NC 28210 c 704.488.0288 | o 704.248.0243 | tf 844.477.4777 frances.miller@sothebysrealty.com | premiersothebysrealty.com
What does it take to be #1?
Ask a Premier Sotheby’s International Realty broker. Premier Sotheby’s International Realty is the NUMBER 1 independently owned brokerage in Sotheby’s International Realty’s worldwide network of 700 offices.
L Lauren auren au en Alexander Alexander Al Broker Associate
Nadine Deason Broker Associate
Matthew Alexander
Jennifer Barbin
Deely Patrick Patrick D eely
Michael Feehley
Broker Associate
Broker Associate
Brian Michaels Broker Associate
Broker Associate
Broker Associate
Frances Miller
Broker Associate
Giles Barker
Tanya Brown
Broker Associate
Broker Associate
Jason Gentry
Alex Harnicholas
Broker Associate
Stephanie Todd Broker Associate
Broker Associate
Hanes Walker
Broker Associate
1516726-01 1516726-01
Your Real Estate Partners 5970 Fairview Road, Suite 110 Charlotte, NC 28210 704.248.0243
19825 North Cove Road Cornelius, NC 28031 704.727.4170
Michelle Campos Broker Associate
Sarah Kelley
Broker Associate
D David avid W Wittman ittman Broker Associate
Jill Castle
Broker Associate
Lana Lana Laws Law ws
Broker Associate
Charlie Williams Broker Associate
Jennifer Conrad Broker Associate
Sasha Levons
Broker Associate
Patsy Wilson
Broker Associate
premiersothebysrealty.com Sotheby’s International Realty® and the Sotheby’s International Realty logo are registered service 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.
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Rate
Points
Fees
CHARLOTTE METRO FEDERAL CREDIT UNION
% Down
APR
877-865-2298
http://www.cmcu.org
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% Down
APR
704-529-1233
http://www.bestratemtg.com
30 yr fixed
Call for Rates
30 yr fixed
3.500
0.000
$175
20% 3.517 30 yr fixed
3.375
0.000
$75
5% 3.411
15 yr fixed
Call for Rates
15 yr fixed
2.750
0.000
$175
20% 2.765 15 yr fixed
2.625
0.000
$75
5% 2.696
3/1 ARM
3.000
1.000
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5% 2.946 7/1 ARM
2.750
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$175
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2.750
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3.125
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2.500
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(B) 1001 Morehead Square Drive #350 Charlotte, NC 28203
LENDERCITY, A DIVISION OF BOULEVARD BANK
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3.625
0.000
$300
5% 3.640
3.22
20 yr fixed
3.500
0.000
$300
5% 3.538
3.04
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2.750
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$300
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2.86
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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
30 yr fixed
LOCAL IN CHARLOTTE FOR 25 YEARS! OPEN SATURDAYS! A+ BBB RATING!
5/1 Adjustable Mortgage Trend 4.000 3.875 3.750 3.625 3.500 3.375 3.250 3.125 3.000
29-Oct 5-Nov 12-Nov 19-Nov 26-Nov 3-Dec 10-Dec 17-Dec 24-Dec 31-Dec 7-Jan 14-Jan
Source: Bankrate.com 2015
TIP: IT RARELY MAKES FINANCIAL SENSE TO BUY A HOME IF YOU DON’T PLAN TO STAY IN IT AT LEAST FIVE YEARS.
Up: 7% Down: 64% Unchanged: 29%
Source: Bankrate.com 2015
4.25%
4.50%
4.75%
5.00%
30 yr fixed
15 yr fixed
5 yr ARM
This week
3.80
3.11
3.09
Last Week
3.85
3.16
3.20
Last Year
4.57
3.62
3.40
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%
5-Nov 10-Dec 14-Jan
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 (1/15/15 - 1/21/15)
3.75%
27-Aug 1-Oct Source: Bankrate.com 2015
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 1/14/15. © 2015 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
SouthPark Associate of the Year Over $20,000,000 in sales in 2013.
4052 Arborway – $960,000 Fabulous outdoor living in Foxcroft. Pool, covered deck w/fireplace. Sleek, renovated kitchen & master suite. MLS#2216113 R DE CT UN TRA N CO
1485447-03
4100 Oldfield Road - $450,000 Fall makeover! Kingswood home on pretty street w/fresh paint, flooring, landscaping, plus recent roof, furnace. MLS#3049054
3500 Carmel Road - $450,000 Top to bottom, high-end renovation of post-modern ranch in great location. MLS#3042875 R DE CT UN TRA N CO
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
4721 Ashridge Drive - $289,000 The work is done! Updated & freshened: Complete kitchen reno - cabinets, granite, backsplash, Bosch appliances. MLS#3043502
HAND IT OVER.
cindy.barnes@allentate.com • 704-367-7203
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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.