Home for
Christmas We can’t wait for work to end and the holidays to begin. There’s anticipation as we search high and low for that perfect gift for a relative who has everything.
We anticipate gathering with friends and family just for the simple pleasure of being enriched by each other’s company. Children anxiously await Christmas morning to unwrap all those wishes that required them to be extra-good all year long. We all anticipate the pure joy of a quiet, peaceful season and we hope that the qualities of this season can be carried over to the next and the next and the next. Now, the home is glimmering with Christmas lights. The tree shines brightly in the front window. The family has gathered. Laughter and ageless family tales of times gone by are told yet again. Soon the anticipation of the Christmas feast will be rewarded. It’s always good to be home for Christmas.
HERE’S WHERE TO FIND OUR HOMES FOR THE HOLIDAYS: 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 COUNSELOR 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
Follow us:
SALES CENTER HOURS: Monday - Saturday 10am-6pm, Sunday 1pm-6pm Mattamy Homes Limited. Builder’s License # 47524
at
the heart of Center City
For the last fourteen years, the Allen Tate Center City office has served the Urban metro market and gained the trust of the neighbors in these areas. We are fortunate to work in an exciting
center with 83,000 workers right outside our doors. Our agents, all seasoned veterans, are committed to what’s most important: values, honesty and results. Our Realtors have the tools, technology and experience to help our clients meet their real estate goals in this new market. While we cover the Carolinas and beyond, we’re proud to be your neighbor here in Charlotte.
Barbara Edwards 704-779-0756
Tammie Fiorella 704-517-4923
Sherri Green 704-578-1986
Sandy Kindbom 704-491-5045
David Bolinger 704-301-2945
Joshua Drown 704-200-9323
Elizabeth Phares 704-651-8562
Robyn Riordan 704-905-4991
Kim Rowell 704-578-2776
Joe Sibielski 704-617-7500
201 S. Tryon Street, Suite 120 | 704-331-2122 Center City • Dilworth • Plaza Midwood • Elizabeth • Wesley Heights • Southend • Wilmore
Featured Properties…
SOUTH END
THE RATCLIFFE
Benchmark for Uptown Living $1,350,000
Next Week FORT MILL
ITEMS TO INCLUDE Accommodating your guests and making sure they have all the comforts of home is tremendously important. Some items – be it furniture or just simple things like toiletries – are a must for all guest rooms. ● Comfortable bedding – A good mattress is one of the most important components. You should include options such as extra pillows, a couple of extra blankets or a decorative throw at the foot of the bed, which is a nice finishing touch. This is especially important if the room doesn’t have its own thermostat. Laura Archibald, owner of Laura Archibald Interior Design, recommends that “everyone should sleep in their guest room at least once before offering it to guests.”
o create hile erier/ be hard u are nted
Photo Courtesy of D. Randolph Foulds Photography
Photo Courtesy of Joel Lassiter/Lassiter Photography
●Sufficient lighting – Throughout the room, especially in the bathroom, provide ample lighting to get ready by and more ambient lighting to read by at nighttime. A full-length mirror is also a particularly thoughtful detail. ●Nice linens – Supply pretty bath towels that are reserved for guests only. Bathrobes are also a nice touch, so that visitors don’t have to get dressed first thing in the morning before they have their coffee and breakfast. ●Space for clothing/luggage – Free up some drawer and closet space, or have an empty dresser or bureau. That way guests can unpack instead of digging through his or her suitcase. Be sure to have hangers free in the closet, too. If there’s not enough room for a dresser, or the closet in the room is packed full, luggage
A neutral palette using creams, tans and grays gives a softer touch, according to Lauren Nicole Designs.
For Centuries Great Communities Have Grown Beside A River. (Some Things Never Change.)
CHESMAR.COM (803) 329-7312
SAUSSYBURBANK.COM (704) 361-6825
EVANSCOGHILL.COM (803) 366-4588
riverwalkcarolinas.com
A dynamic riverfront community offering a distinctive outdoor lifestyle along the Catawba River. Featuring New Homes From the 200’s SPECIAL ADVERTISING SECTION . THE CHARLOTTE OBSERVER . SATURDAY, DECEMBER 13, 2014
11P
SouthPark Associate of the Year Over $20,000,000 in sales in 2013.
9615 Deer Spring Lane - $325,000
Brick beauty in close-in Cameron Wood. Open floor plan w/hardwoods, sunroom & bonus. Swim/tennis neighborhood.
4052 Arborway – $960,000
MLS#3022988
Fabulous outdoor living in Foxcroft. Pool, covered deck w/fireplace. Sleek, renovated kitchen & master suite.
MLS#2216113
4721 Ashridge Drive - $289,000
The work is done! Updated & freshened: Complete kitchen reno - cabinets, granite, backsplash, Bosch appliances.
MLS#3043502
3500 Carmel Road - $450,000
Top to bottom, high-end renovation of post-modern ranch in great location.
ACT
ER
UND
TR CON
MLS#3042875
820 Garden District Drive - $190,000
Rare opportunity! Garden District beauty w/bright, open plan freshened top to bottom. Balcony & private courtyard.
MLS#3040601
4100 Oldfield Road - $450,000
Fall makeover! Kingswood home on pretty street w/fresh paint, flooring, landscaping, plus recent roof, furnace.
0001439390-02-1
MLS#3049054
7926 Greenview Terrace Court - $385,000 Lifestyle & location at modern Greenview Terrace! Lovely, bright townhome w/pretty golf views. High-end finishes.
MLS# 3037659
HAND IT OVER.
cindy.barnes@allentate.com • 704-367-7203
We craft the places where life converges.
style&value
And, when the time is right, we’re ready to bring style & value together in your home – the kitchen, bedroom, bath – wherever. 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
MTNS TO COAST
G E N E R A L C O N T R AC TO R
andrewroby.com c
the
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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
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LINCOLN COUNTY
Churchill Farms – Harrisburg Coming Soon
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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.
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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
MeCklenBURg MoRtgage
Points
Fees
% Down
APR
877-493-5002
www.mecklenburgmortgage.com
30 yr fixed
3.625
0.000
$75
20% 3.667
30 yr fixed
3.625
0.000
$300
5% 3.640
30 yr fixed
3.625
0.000
$750
20% 3.662
15 yr fixed
2.875
0.000
$75
20% 2.912
20 yr fixed
3.500
0.000
$300
5% 3.521 15 yr fixed
2.875
0.000
$175
20% 2.890
7/1 ARM
2.875
0.000
$75
20% 2.775 15 yr fixed
2.750
0.000
$300
5% 2.776 7/1 ARM
2.875
0.000
$175
20% 2.882
2.625
0.000
$300
5% 2.774 5/1 ARM
2.625
0.000
$175
20% 2.796
LOCAL IN CHARLOTTE FOR 25 YEARS! OPEN SATURDAYS! A+ BBB RATING! 5/1 ARM
FREE FLOATDOWN IF RATES DROP! ZERO CLOSING COST OPTIONS! 10 Year Fixed, 2.875%/0 points. Low closing costs.
Free Prequalification Letters and Rate Quotes 7 days a week
(B) 814 Tyvola Road, Suite 105, Charlotte, NC 28217
(B) 1001 Morehead Square Drive #350 Charlotte, NC 28203
NMLS# 103395 (A) 536 Trade Center Blvd., St. Louis, MO NMLS# 193390
ChaRlotte MetRo FedeRal CRedit Union
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% 2.851
2.86
5/1 ARM
3.125
1.000
$1000
5% 2.939
2.68 2.50
(E) 718 Central Avenue, Charlotte, NC 28204
3.750 3.500 3.375 3.250 3.125 3.000
24-Sep 1-Oct 8-Oct 15-Oct 22-Oct 29-Oct 5-Nov 12-Nov 19-Nov 26-Nov 3-Dec 10-Dec
Source: Bankrate.com 2014
Up: 46% Down: 18% Unchanged: 36%
Tip: if you wanT To geT a morTgage buT you’re anxious abouT The process, you mighT wanT To sTarT wiTh online research and self-educaTion.
Source: Bankrate.com 2014
4.25%
4.50%
4.75%
5.00%
30 yr fixed
15 yr fixed
5 yr ARM
This week
4.03
3.28
3.26
Last Week
4.07
3.29
3.20
Last Year
4.55
3.60
3.34
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
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 (12/11/14 - 12/17/14)
3.75%
23-Jul 27-Aug 1-Oct 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 12/10/14. © 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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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 OpEn HOUSE SAT 2-4
OpEn HOUSE SAT 2-4
ROBIN KNOWS DIRT!
4518 Summerside dr, in Lake wylie’s Somerset at Autumn Cove w/water views..5BR, 2 masters, lovingly upgraded and maintained. $395,000
LAkE wYLiE 394 Stone Cliff, Caroliina Coves w/waterviews and full unfin basement $545,000.
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 $34,000, interior lot $31,000 • LAKE WYLIE WATERFRONT Canoe Lots.3026 & 3027 Willow Breeze. $55,000 each.
1611 MORninG dEw in Lake wylie’s 6940 MOnTGOMERY Rd Lake wylie River Bethelfields. 5BR and a bonus, master down, cabin enjoyed for generations, big water fenced yard, nicely upgraded. $228,000 w/dock, sunroom, basement. $465,000
• 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
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 $400,000
1060 BEERSHEBA, Clover Beautiful custom build with dramatic features on 7.52 acres. Bring your horses! $325,000
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
OpEn HOUSE SAT 2-4
1440027-01
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.
Visit us on
5835 kREpS Rd, Clover Equestrian Estate on 12 acres, 8 barns, 9 pastures, amazing! $450,000
Robin-King-Realtor-Group
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premiersothebysrealty.com 704.248.0243
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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.