Blog - Part 3

Pre Approved Short Sale in Desirable Edinburgh Community Ballantyne Normal Closing Time

July 19, 2011 By Jodi Sosna Leave a Comment

Beautiful 4 bedroom home in desirable Edinburg subdivision in Ballantyne area of Charlotte, NC. Home has bonus room ideal for home office, additional bedroom or kids playroom. Formal dining room and dining area off kitchen which opens to family room, patio and large fenced-in, landscaped back yard. Master suite has large soaking tub with dual vanities. Attached 2 1/2 car garage with opener.

A great pre-approved short sale deal without the long waiting hassles. Normal closing time.

Listing Price: 168000
Address: 11740 Hawick Valley Lane
City: Charlotte
State: NC
ZIP: 28277

MLS # (if any): 2029957
Square Feet: 2126
Bedrooms: 4
Bathrooms: 2/1
Basement (full, 1/2, finished, unfinished): none

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Filed Under Featured Homes Tagged With Back Yard, Beautiful, Bonus Room, Car Garage, Charlotte Nc, Closing Time, Dining Area, Edinburgh, Email, Formal Dining Room, Hassles, Kids Playroom, Nbsp Nbsp Nbsp Nbsp Nbsp, Property Details, Soaking Tub, Street View, Time Property, Vanities

Fully Renovated Ranch For Sale in East Charlotte NC Move In Ready

July 1, 2011 By Mike Leave a Comment

Fully renovated ranch home with SELLER PAID CLOSING COSTS! Great new price at $79,995! Excellent First Time Home Buyer Opportunity…and this home is MOVE IN READY! How many houses on the market can you say that about in today’s market? If you want a new home feel but with a mature homes’ landscape, this is the home for you!

You don’t want to miss this meticulously maintained home! The owners went through extra time and steps to provide a beautiful home for the right buyer. If you are looking in this price range you need to hop on this one quickly. It’s the nicest in the neighborhood (Holly Hills) and in this price range.

New double pane vinyl windows with lifetime warranty
High efficiency HVAC installed 2009 with programmable thermostat
New neutral carpet, vinyl, paint, and countertops
New range and fridge (conveys) installed 2010
Newer dishwasher, disposal, and hot water heater
1188 heated Sq ft, 3 bedroom, 1 bath, large closets, enormous utility room,
Sun room (3 season),
Brick fireplace,
Vaulted ceiling in great room,
Large fenced wooded back yard, patio, mature plantings
Wired for cable and alarm system
New gutters with leaf guard system
Wooden blinds convey

The backyard is a bird watchers delight.

The Area: Close to a new county rec center, great new library, and a public golf course. There’s also a swim, tennis, and fishing club close by on Albemarle Road. Shopping is convenient (Food Lion, Walmart, Target, Lowes hardware, Home Depot); there are some restaurants (Seafarer, Quiznos, Taco Bell, Subway, Chinese food); and several bank branches. A Park & Ride is nearby and the community is serviced by both express and local bus routes. A new hospital is being built not far away. It’s also very convenient to uptown, University, and to I485 .

Be sure to act fast as this one will not last long. Call Mike Moulton at 704-885-0488 to schedule a showing.


Listing Price: 
Address: 8117 Stem Ct
City: Charlotte
State: NC
ZIP: 28227
MLS # (if any): 2028327
Square Feet: 1188
Bedrooms: 3
Bathrooms: 1
Basement (full, 1/2, finished, unfinished): N/A

Here are directions to the house.

From Harrisburg Road:
Turn onto Pence Road going west
Drive about 1.2 miles
Turn LEFT on Holly Hills Road
Drive about .5 miles
Turn RIGHT on Upas Lane
Turn LEFT on Mahogany Drive
Turn RIGHT on Judas Tree Lane
Turn RIGHT on Stem Court

From WT Harris Blvd:
Turn onto Hickory Grove Road going east
Drive 1.2 miles on Hickory Grove Road (turns into Pence Road)
Turn LEFT on Holly Hills Road
Drive about .5 miles
Turn RIGHT on Upas Lane
Turn LEFT on Mahogany Drive
Turn RIGHT on Judas Tree Lane
Turn RIGHT on Stem Court

Great deal @ $82,000, call now for a showing at 704-885-0488!

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Filed Under Featured Homes Tagged With Bank Branches, Bird Watchers, Brick Fireplace, Convenient Food, Double Pane, East Charlotte, East Charlotte real estate, First Time Home Buyer, First Time Home Buyer Charlotte NC, Food Lion, Fully Renovated Charlotte Home For Sale, Holly Hills, Home Depot, Hot Water Heater, Leaf Guard, Mike Moulton, Nbsp Nbsp Nbsp Nbsp Nbsp, Neutral Carpet, Programmable Thermostat, Public Golf Course, Time Home Buyer, Vinyl Paint, Wooden Blinds

Highland Creek Home for Sale

June 18, 2011 By Jodi Sosna Leave a Comment

This beautifully done home has a 2 story foyer and vaulted living room with an open floor plan with huge backyard that backs to common area and community walking trail. The open kitchen with island looks over the yard and custom patio. Master suite with tile accented bath and garden tub. Interior has been freshly painted.

Call Jodi at 704-654-9995 for more information or to schedule a showing.


Listing Price: $174,900
Address: 4200 Beauvista Dr
City: Charlotte
State: NC
ZIP: 28269
MLS # (if any): 2029473
Square Feet: 2070
Bedrooms: 3
Bathrooms: 2/1
Basement (full, 1/2, finished, unfinished):

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Filed Under Featured Homes Tagged With buy home charlotte, Custom Patio, Garden Tub, Highland Creek, Highland Creek lease option, Living Room, Nbsp Nbsp Nbsp Nbsp Nbsp, Open Floor Plan, Open Kitchen, Owner Financing, Property Details, relocate north carolina, rent to own, Story Foyer, Tile

How are deferred student loan payments counted when qualifying for a home loan?

May 9, 2011 By Mike Leave a Comment

How are deferred student loan payments counted for qualifying when a current student or recent graduate applies for a home loan? Are the payments counted as debts in the debt ratio calculation? The answer depends on the kind of loan used.

Both Fannie and Freddie require that a monthly payment be used on deferred student loans.

FHA and VA loans are more flexible. The FHA and VA guidelines state that if a deferred student loan payment comes due within 12 months of the mortgage origination, the monthly payment must be included in the debt ratio analysis. However, if it comes due after 12 months from the date of the mortgage then it is not used in the calculation.

Sometimes the credit report shows a student loan with the phrase “deferred payment” and no payment is listed. To prove the payment amount due as well as when the payment begins, the borrower will need a letter from his or her student loan creditor stating what the payment will be, when it begins and how long it will continue.

Most investors have their own rules on top of Fannie, Freddie, FHA and VA guidelines called overlays. Check with your mortgage loan officer to confirm what the loan overlays are and have the documentation ready for the speediest loan processing.

A special thanks to Ashleigh Clark from Cunningham & Company Mortgage in Charlotte for providing this information. You can reach her for any of your mortgage needs at 704-335-1913. If you have any real estate needs at all, feel free to call us at Bee Home Solutions, Inc. at 704-885-0488.

Thanks,
Mike Moulton
Broker In Charge

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Filed Under Blog Tagged With buying a charlotte home, Refinancing with student loans, Student Loans Mortgages, student loans obtaining mortgage

Will Osama Bin Laden’s Death Increase Home Buyer Confidence in Charlotte NC?

May 3, 2011 By Mike Leave a Comment

After Osama Bin Laden was “taken care of” in the mansion the other day, thousands of Americans cheered publicly in front of the White House, Capitol Hill, and many other locations nationwide. I actually overheard some people in Charlotte discussing yesterday whether or not this will increase local economy spending and home buying. I think it would be short-sighted to think that this event would spark consumer confidence to purchase a home. If so, it must signify a step towards a new beginning for the economy for these consumers.

The US economy needs a boost. The US dollar is deflating everyday. Since the crash of the sub-prime markets a few years ago, many potential homeowners don’t not have the opportunities that they used to when selecting housing. For some this is a blessing in disguise, for others, they need to get creative and find ways to accomplish their home buying dreams.

There are so many great real estate deals out there in the market right now that if you can get access to cash or a loan then you can be a player or at least secure a great deal for your personal residence. I’ve personally seen bank owned properties selling for 40 to 50 cents on the dollar. The key to that sentence was “on the dollar.” I now beg to ask what is the value of the dollar and what will it be in a year from now? Its not backed by silver or gold. Will we all be spending $10 for a gallon of gas a year from now? If so, trade in your V8′s for Mini Cooper now.

It will be interesting to see if there is any boost to consumer confidence with the worlds largest figure for terrorism disposed of. Congratulations to the US Armed Forces for their excellent work. Take care,

Mike

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Filed Under Blog Tagged With Charlotte Nc, home buyer confidence, mansion, osama bin laden

Pre Approved Short Sale in Desirable Edinburgh Community Ballantyne Normal Closing Time

Fully Renovated Ranch For Sale in East Charlotte NC Move In Ready

Highland Creek Home for Sale

How are deferred student loan payments counted when qualifying for a home loan?

Will Osama Bin Laden’s Death Increase Home Buyer Confidence in Charlotte NC?

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Pre Approved Short Sale in Desirable Edinburgh Community Ballantyne Normal Closing Time

Fully Renovated Ranch For Sale in East Charlotte NC Move In Ready

Highland Creek Home for Sale

How are deferred student loan payments counted when qualifying for a home loan?

Will Osama Bin Laden’s Death Increase Home Buyer Confidence in Charlotte NC?

Follow us on Facebook!

Recent Posts

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User Profile: Mike Moulton