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Wednesday, November 30, 2011
Cute, Affordable Falcon Ridge Home
Well cared for home in Rockfish Crossing
Video Tour!!
Additional Information:
Additional Information:
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Tuesday, November 29, 2011
BEAUTIFUL WATERVIEW HOME!!
Nice quiet family friendly neighborhood. Spacious split -- floor plan offers 3 bedroom, 2.5 bathrooms, plus bonus room with office. The greatroom with fireplace is open and leads to the eat-in-kitchen with breakfast bar. The master suite features a large walk-in-closet and garden tub. Outdoor included covered front porch, screened back porch, fenced in back yard and view of the LAKE!
Home also includes: security system and a 1 year home warranty! Refrigerator to be left as gift!
For more information on this home, or to view all available homes for sale listings in Fayetteville NC and surrounding areas please view my website at:
http://www.ask4patty.com or call Patty at 910-476-4267.
Gorgeous UPDATED home!
Gorgeous UPDATED home in the desirable Pine Valley Subdivision! This home features 3 bedrooms w/large bonus room, 2.5 bathrooms and many UPGRADES! The Large kitchen features granite countertops, new light fixtures, stainless steel appliances and an eat in kitchen area.
The home has both formal living and dining rooms, along with the greatroom w/masonary fireplace. The Huge master suite has a walk in closet and a Glamour master bath with dual vanities, jetted tub and large tiled shower. Other amenities to include: hardwood and ceramic tile flooring, all new windows thru out home, security system, gutters, front and back lawn sprinklers, 2 car garage, corner lot, patio, privacy fenced backyard. Home has been painted within the last 4 years.
Seller to provide new owners with a 1 year home warranty. Must see!!
For more information on this home, or to view all available homes for sale listings in Fayetteville NC and surrounding areas please view my website at:
http://www.ask4patty.com or call Patty at 910-476-4267.
Monday, November 28, 2011
Contemporary UPDATED home in Waters Edge
Nice contemporary home with a great location near McFadden Lake. Conveniently located to Fort Bragg, shopping and schools. This UPDATED home features 3 bedrooms and 2.5 bathrooms. The sunken greatroom has vaulted ceilings and a fireplace. The kitchen offers plenty of cabinet and storage space.
The master bedroom with bathroom is located downstairs. The other 2 bedrooms with jack and jill bathroom are located up. Home offers new carpet, ceramic tile in kitchen and bathrooms, new kitchen countertops, new light fixtures and paint inside and out. Enjoy family time outside in the backyard with a deck made for BBQ's.
Home comes with a one year home warranty!
For more information on this home, or to view all available homes for sale listings in Fayetteville NC and surrounding areas please view my website at:
http://www.ask4patty.com
Lovely Brick Home w/1 yr. Home Warranty!!
Well maintained brick home featuring 3 bedrooms and 2 bathrooms. Greatroom with fireplace, formal dining room and a large bonus room that could be a 4th bedroom. Double car garage and privacy fenced backyard.
1 year old republic home warranty! Must see!
For more information on this home, or to view all available homes for sale and listings in the Fayetteville NC and surrounding areas please view my website at:
http://www.ask4patty.com
Tuesday, November 22, 2011
Buying A Home: A getting Started Guide
Do you currently rent your home?
Maybe you have thought about buying a home and you feel as if you are just
throwing your money away on rent. It’s time to get a place to call you own,
home! But of course, you have a few reservations about purchasing a new home.
Sure you have questions and may be
a bit nervous, those are all normal feelings after all this is an important
financial decision in your life. But being educated on the home buying process
will empower you to overcome those first-time home buyer jitters.
Is buying a home is the right thing
for you?
Many people are petrified of buying
a home, and some of those fears are justified. As a real estate agent I hate to
admit it, however, owning a home is not a perfect fit for everyone. There are
some factors to keep in mind when making the decision to rent or buy.
Renting vs. Buying – Things to consider:
Bad Credit
Ø
If your credit report is less than 620, it is a
good chance that you will not receive a good rate for a loan and could
potentially put you in the hands of lenders that do not have your best interest
at heart.
Ø
If you decide to pursue buying a home with bad
credit, I would advise trying to raise it prior to applying for a loan.
Ø
Did you know that four (4) late payments is all
it takes to make you ineligible from getting a loan?! You can order a copy of your free credit
report online.
High Debt Ratios
Ø
When getting a loan lenders look at two ratios:
front-end and back-end. Your mortgage
payment (including taxes and insurance divided by your monthly salary) is
considered the front-end. The back-end factors in your monthly debt to your
PITI payment before dividing the total for your salary. If after your
calculations your debt ratio is 50% or higher you may not qualify for a loan.
ANY lender willing to fund such a loan is NOT who you would want because you
will be paying too much.
Job Instability or Relocation
Ø
How stable is your job? In 6 months, 1 year, or
more will you be able to support the payments required by your loan? Things to
look at in relation to your job is; Is your company laying people off? Could
you be fired? Remember that unemployment is usually not sufficient enough to
support a mortgage payment.
Ø
In relation to relocation, is it possible that
you may be relocating in a few years? Military members should think about this
prior to buying. Is this a city/town/state that you want to reside in after
retirement? Are you willing to rent out your house in the event of a PCS
move? If you did purchase and had to
relocate more than likely you would have to sell. When buying a house, the
intent should be to at least stay for a while.
Pulling Maintenance
Ø
Every house requires upkeep, but not everyone is
handy enough to tackle all the home repair projects that may but may also not
have the means to support a professional to correct the issues. A good thing to
keep in mind is to set aside at least 5% of the purchase price to cover any
upkeep/maintenance issues that may arise when you purchase your home.
So to sum everything up, prior to getting
geared up to purchase your first home you should line up your finances, put
aside a down payment and do some research on the loan programs that are
available for you. By researching and doing your homework you will be able to
estimate how much you can afford and how much it will cost you.
Good luck on your home search
pursuit!
Get a jump start by
searching all Homes For Sale In Fayetteville NC and Fort Bragg NC.
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