HARRISBURG’S PREMIERE HOMEBUILDER SpaciouS Spaciou BonuS Room
GoRGeouS chef’S Kitchen
haRdie planK SidinGtm
Custom Look, Custom Feel, Without The Customary Price. PEACH ORCHARD ESTATES - New Phases Now Open!
ABBINGTON - Closeout!
• Private Home Sites! • Desirable Harrisburg Schools! • Over 30 Acres of Green Space!
• Amazing Close Out Incentives! • Only 3 Homes Remain! • Save Thousands!
704-454-5754
THE RETREAT- Opening Spring 2015 From the high $190s
THE GROVE
From the $220s
THE PRESERVE From the $280s
.com
We’re Not Just Homebuilders, We’re Craftsman.
704-454-5754
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
Congratulations to Our Rising Star... ALANA BLOT
Congratulations
Alana, you are a terrific asset to our team and we are proud of your accomplishments. Your success is a great reminder that preparation, hard work and perseverance always pay off.
K Kristen risten F Foxx oxx
Alana was also one of 12 brokers in the region who were accepted into and graduated from the 2014 Charlotte Regional Realtor® Association (CRRA) Leadership Academy this year. 4725 Piedmont Row Dr. ● Suite 120 ● Charlotte, NC 28210
704-552-9292
For being named a 2014
Real Estate Rising Star! 1440679-01
www.hmproperties.com
Contact Kristen for your home buying or selling needs!
980-406-7130
cus•tom de•light
JUST SOLD 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
LOOKING TO TO BUY BUY OR OR SELL? SELL? LOOKING J ANDREW A N D R E W ARLEGUI, A R L E G U I , BROKER BROKER 980-220-2474 3241 3 2 4 1 LAKE L A K E POINTE P O I N T E DR. DR. BELMONT, NC 28012 $800,000
For Directions, Floorplans and Quick Move-In Homes www.NiblockHomes.com • 704-309-0968
8400 WILLOW OAK LANE
F Featured eatured P Properties… roperties…
HA ARRISBURG RRISBURG
Outstanding Home On 1.85 Acres In Sought After Harrisburg Location!
$279,900
Next Week SOUTH END
SouthPark Associate of the Year Over $20,000,000 in sales in 2013.
4052 Arborway – $960,000
9615 Deer Spring Lane - $325,000
Fabulous outdoor living in Foxcroft. Pool, covered deck w/fireplace. Sleek, renovated kitchen & master suite.
MLS#2216113
MLS#3022988
C RA
T ON
RC DE UN
T
Brick beauty in close-in Cameron Wood. Open floor plan w/hardwoods, sunroom & bonus. Swim/tennis neighborhood.
3115 Springs Farm Lane – $525,000
Best in class! Terrific floor plan, sophisticated finishes, gated community. Lawn maintenance included in HOA.
4721 Ashridge Drive - $289,000
The work is done! Updated & freshened: Complete kitchen reno - cabinets, granite, backsplash, Bosch appliances.
MLS#3024679
MLS#3043502
ACT
ER
UND
TR CON
3500 Carmel Road - $450,000
Top to bottom, high-end renovation of post-modern ranch in great location.
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.
1439390-01-1
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
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
GREAT CHRISTMAS GIFT
Book by Dec. 20th for a Christmas Special
Specializing in stamped Decorative Concrete Patios, firepits, stone work, driveways, etc. concretebygeorge.net 704-605-3709
To advertise on this page call 704.358.5555
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 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
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
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.
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30 yr fixed
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30 yr fixed
3.625
0.000
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5% 3.640
15 yr fixed
2.875
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$175
20% 2.890
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20 yr fixed
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5% 3.521
7/1 ARM
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20% 2.882 3/1 ARM
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5% 2.843 15 yr fixed
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Free Prequalification Letters and Rate Quotes 7 days a week 1190352 (E) 718 Central Avenue, Charlotte, NC 28204
(B) 1001 Morehead Square Drive #350 Charlotte, NC 28203
best rate Mortgage
10 Year Fixed, 2.875%/0 points. Low closing costs.
704-529-1233
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NMLS# 103395
1-Year Adjustable Mortgage Trend
3.40
30 yr fixed
(A) 536 Trade Center Blvd., St. Louis, MO 5/1 Adjustable Mortgage Trend 4.000 3.875 3.750 3.625 3.500 3.375 3.250 3.125 3.000
17-Sep 24-Sep 1-Oct 8-Oct 15-Oct 22-Oct 29-Oct 5-Nov 12-Nov 19-Nov 26-Nov 3-Dec
Source: Bankrate.com 2014
Calculate Your Mortgage Payment
Mortgage Prediction
TIP: SOME MORTGAGE BROKERS ATTEMPT TO INCREASE THEIR PROFIT BY WRITING HIDDEN COSTS INTO YOUR LOAN. BEST HEDGE: KNOW THE LOAN PROCESS. ASK QUESTIONS.
Each week Bankrate surveys mortgage experts to predict which way rates will go in coming weeks. Here is what they say this week (12/4/14 - 12/10/14) Up: 9% Down: 27% Unchanged: 64%
Source: Bankrate.com 2014
3.75%
4.00%
4.25%
4.50%
4.75%
5.00%
30 yr fixed
15 yr fixed
5 yr ARM
This week
4.07
3.29
3.20
Last Week
4.08
3.29
3.19
Last Year
4.55
3.62
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 Loan Amount 3.50%
16-Jul 20-Aug 24-Sep 29-Oct 3-Dec 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 12/3/14. © 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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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.