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Charlotte, NC|Adjustable Rate Mortgages are NOT EVIL! Ask-The-Broker

Adjustable Loans Are Scary! Not! Fixed or Adjustable? You Decide by Olan Carder Have you ever overreacted? I mean really thrown the baby out with the bath water?? I have many times. My business partner Gary and I laugh sometimes about some of the ridiculous ideas we have come up with in the past to …

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Buyer Agency Illustrated, A True Life Story|Do’s and Don’ts of Home Buying, Part 1

Often, home buyers ask themselves, “Why do I need a Buyer Agent?” Here in Charlotte NC, my answer is, “Because you need someone to represent your interests, and if you don’t have that, it will show itself at the worst possible time-like when you are talking money.” Many don’t know that I speak from first …

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Charlotte NC Ranks LOWEST in Cost of Living in Southern Cities

“What is the Cost of Living Like in Charlotte?” is a frequent question I get from families considering a move to Charlotte. We’ve been called the third most “affordable city” in the country, here are some more details and comparisons, I point out Portland and Seattle because those are the 2nd and 3rd fastest appreciating …

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Charlotte NC|Golf Course Homes, Golf Communities in Greater Charlotte

The greater Charlotte North Carolina area is home to more than 90 golf courses, 90! About a third have Golf course homes on them. Do you Love golf? In Charlotte, you can play golf 300 days every year, or more. I looked at a greater Charlotte, 7 counties exactly, stretching from York SC, to Waxhaw, …

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Charotte, NC|Buyer Agents? Why You ALWAYS Need a GOOD Buyer Agent|Ask the Broker

Do you need a good Buyer Agent To buy your new Charlotte Home? YES!!! 50% of all new home sales in Charlotte use a Buyer Agent. As the home prices go up, the number increases to 2/3’s… but why do still 1/3 of Charlotte home buyers NOT have a Buyer Agent? Two reasons I think, …

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What Every Buyer Should Know!|How Much Deposit Do I Need to Make an Offer?

Deposit Questions, New Homes and Resale Homes Answered by North Carolina Real Estate Broker Terry McDonald There are two different deposit/contract situations to consider, is it a new home or is it a resale home? Just a word of warning, the new home contract is the quintessential “one-sided” contract– it is very strong builder rights, …

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Charlotte, NC Real Estate|The Secret of “Tax Value”, What Is It and How do Property Taxes Work in Charlotte?|

Answers From Charlotte Real Estate Broker Terry McDonald… There isn’t any secret, just mystery and misunderstanding. Tax Value is the result of a drive by appraisal by a stat hired appraiser, sometime in the past 8 years, andnoted to the proerty address for the purpose of computing property taxes… It is not terribly scientific, it …

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In Charlotte, How long does it take to close on a home?|Ask the Broker|FAQ

Answers from Terry McDonald, Charlotte North Carolina Broker The short answer? It is the time it takes to secure and close a loan. Cash customers could close in a couple of days, if they weren’t concerned about inspections. Typically, loans close in 30-40 days, near the end of the month. WE can and do negotiate …

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