home|design, October 21, 2017

2017 Parade of Homes winners announced

page 20

C H A R L O T T E

home design dedicated to showcasing charlotte’s distinctive homes

“Union County has that small town Southern charm with an Uptown spin on food, fashion, and art.”

—Deb White, Helen Adams Realty

desirable union county Big city luxuries with a small town feel - story on page 6

real estate news

design trends

real estate trends

home & garden

what’s new p4

front porch décor for fall p16

homeowners insurance p22

think pink and orange for daffodils p24

homes.charlo+e.com

SPECIAL ADVERTISING SECTION . THE CHARLOTTE OBSERVER . SATURDAY, OCTOBER 21, 2017

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PREMIERSOTHEBYSREALTY.COM

Lauren Alexander 704.996.3468

Matthew Alexander 704.560.2527

Susan Ambrosio 704.502.5054

Giles Barker 704.322.7747

Julie Bradley 704.214.3550

Tanya Brown 704.345.4384

Jennifer Conrad 704.737.4689

Al DiRusso 704.787.1170

Susan Freshcorn 704.989.0690

Jason Gentry 980.428.4130

Sarah Kelley 704.956.6536

Gail McDowell 704.989.6565

Frances Miller 704.488.0288

Joseph Sibielski 704.617.7500

Carolyn Taylor 704.236.1936

EXTRAORDINARY Lives. Homes. People.

Stephanie Todd 704.904.1681

Hanes Walker 704.366.2830

James Burbach 704.284.0709

George McDowell 704.989.6752

Charlie Williams 704.737.7741

Donna Bush 770.842.7626

Brian Michaels 704.737.9900

David Wittman 704.200.3072

We extend our deepest appreciation to you, our customers, for the opportunities to serve you and achieve extraordinary results.

CHARLOTTE | 704.248.0243

LAKE NORMAN | 704.727.4170

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. *Summer Landscape by Vincent Van Gogh used with permission.

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SPECIAL ADVERTISING SECTION . THE CHARLOTTE OBSERVER . SATURDAY, OCTOBER 21, 2017

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Quick Move-in Homes Pleasant Plains | Stallings, NC Single Family Homes from the mid $200s

Ready, Set, Move!

SQ. FT.

SALE PRICE

Ingleton F

12

4/3.5/2

3,013

$349,665

Landrum D

11

5/3/2

2,618

$358,700

Waverly O

5

5/4/2

3,062

$371,810

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PLAN

485

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McKee R d .

PLEASANT PLAINS 1107 Privett Park Place, Stallings, NC 28104

For more info, please contact:

CalAtlanticHomes.com

Ursula Panizo E-mail: Ursula.Panizo@calatl.com Phone: 704.271.4374

Seller does not represent/guarantee that the project will be serviced by any particular public school/school district or, once serviced by a particular school/school district, that the same school/school district will service the project for any particular period of time. Eligibility requirements Mooresville, North Carolina may change over time.You should independently confirm which schools/districts serve the project and learn more information about the school district’s boundary change process prior to executing a purchase contract. Prices, plans and terms are effective on the date of publication and subject to change without notice. Map is not to scale. Depictions of homes or other features are artist conceptions. Hardscape, landscape and other items shown may be decorator suggestions that are not included in the purchase price and availability may vary.This ad contains general information about a new home community in North Carolina and it is not an offer or the solicitation of an offer for the purchase of a new home.This information is not directed to residents of any other state that requires registration or permit issuance prior to the publication of such information.

homes.charlo+e.com

SPECIAL ADVERTISING SECTION . THE CHARLOTTE OBSERVER . SATURDAY, OCTOBER 21, 2017

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|real estate news

L AC H IC O T T E

Oceanfront and Creek Front Recently Reduced ~ Now $2,150,000

what’s new? compiled by Whitney Berongi

372 Myrtle Avenue Pawleys Island, SC Pawleys Island charm and craftsmanship at its finest. This house honors the lifestyle and history of Pawleys Island. Located mid-island in the historic district, architect designed and owned, quality construction and attention to detail is paramount and reflected throughout.

Wonderful location with large dune protection on oceanside and creek/ marsh lot across the street. Get swept away by WINDSWEPT. A must see!

Wally Krask 843-240-5954 wallyk@sc.rr.com 10554 Ocean Highway, Pawleys Island, SC 29585 | 843.237.2094 | www.lachicotte.com

UPGRADE YOUR FLOORING FREE INSTALLATION SALE ENDS OCTOBER 31ST

HAUTE RESIDENCE WELCOMES RESIDE REALTY’S MATTHEW PAUL BROWN TO ITS EXCLUSIVE REAL ESTATE NETWORK Haute Residence is pleased to welcome Matthew Paul Brown, owner of Reside Realty, to its invitation-only network of top luxury brokers. The invitationonly luxury real estate network, which partners with just one agent in every market, unites a distinguished collective of leading real estate agents and brokers and highlights the most extravagant properties in leading markets around the globe for affluent buyers, sellers, and real estate enthusiasts. As a Haute Residence partner, Brown will exclusively represent the high-end markets of North Carolina and South Carolina. Brown launched both Sotheby’s International Realty and Christie’s International Real Estate offices in Charlotte, N.C., as managing broker before he officially launched his own boutique company this year.

Reside Realty is a full-service, luxury real estate brokerage and lifestyle company representing clients in both residential and new developments. The skilled broker associates of Reside Realty specialize in both the purchase and sale of properties in North Carolina and South Carolina. The team’s success is a tribute to their expertise in negotiating extraordinary opportunities for clients and maintaining lifelong relationships. For more information, visit ResideRealty. com.

PREMIER PROPERTY SOLUTIONS AT KELLER WILLIAMS ADDS PANTHERS TAILGATING TO RAISE MONEY FOR JOEDANCE FILM FESTIVAL Through their “Keys For A Cure” program, Premier Property Solutions, a residential real estate team based out of Keller Williams SouthPark, has donated more than $6,000 so far this year to Joedance Film Festival. Additionally, PPS has hosted a special tailgate for clients and vendors before each Carolina Panthers home game with a raffle to raise money for Joedance. Joedance Film Festival raises money for local rare pediatric cancer research and clinical trials

SCHEDULE A FREE IN HOME APPOINTMENT TODAY!

home|design

877-50-FLOOR

Section published by The Charlotte Observer • P.O. Box 32188, Charlotte, NC 28232.

Editorial material in this section is the responsibility of the Observer Content Studio, 704-358-5305.

It did not involve the news staff of The Observer.

WWW.50FLOOR.COM

Editor

Coordinator/Designer

Christina Darnell

Melissa Kennelly

For Agent info contact

For New Home Builder info contact

Buck Brice at bbrice@charlotteobserver.com

Suzanne Parker at sparker@charlotteobserver.com

Director Digital Sales & Strategy Phyllis Weber, 704-358-5345

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SALE ENDS OCTOBER 31ST GET AN ADDITIONAL

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Is there a neighborhood you’d like to see featured?

Do you know of a new design trend on the rise?

Did you use one of our ideas for your own home or home purchase?

We’d love to hear from you.

$100 DOLLARS OFF WHEN YOU USE PROMO CODE: CHARLOTTE OBSERVER OUR FREE INSTALLATION SALE APPLIES TO ALL LAMINATE, VINYL, HARDWOOD & CARPET

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SPECIAL ADVERTISING SECTION . THE CHARLOTTE OBSERVER . SATURDAY, OCTOBER 21, 2017

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at Carolina Healthcare System’s Levine Children’s Hospital.

The annual Joedance Film Festival showcases local films during two nights of movies and fellowship in Uptown Charlotte’s Fourth Ward neighborhood and other affiliated events year-round. The festival honors the late Joe Restaino and raises awareness and funds for rare pediatric cancer research and clinical trials, specifically sarcomas, blastomas, and brain tumors. All proceeds from Joedance Film Festival support rare pediatric cancer research and clinical trials at Levine Children’s Hospital. For more information, visit joedance.org or mypremierproperty.com.

MATTAMY HOMES HOSTS PRE-GRAND OPENINGS IN LAKE CREST AND RIDGEWATER COMMUNITIES Mattamy Homes will host two pre-grand opening events Saturday from 12-4 p.m. Potential home buyers can visit Mattamy’s Lake Crest community in Lake Wylie or the Ridegewater community in southwest Charlotte to learn about designer homes with luxurious features. The events will feature food trucks and fun for the kids. New home designs in both communities start in the upper $200,000s.

The Lake Crest community is located at 366 Bonum Road, Lake Wylie, S.C. Ridgewater is located at 18101 Bankhead Road, Charlotte, N.C. Visit Mattamyhomes.com/Charlotte or contact Mattamy’s Online New Home Specialist Katie Whittie at 980-285-2254.

PREMIER SOTHEBY’S INTERNATIONAL REALTY ANNOUNCES THE COMPLETION OF THE SPRUCE MODEL HOME IN LINVILLE RIDGE Premier Sotheby’s International Realty has completed the Spruce model home, the latest offering in the Cottages at Cranberry Cove in Linville Ridge, N.C. At 2,462 square feet, the Spruce features three bedrooms and four bathrooms. The gourmet open kitchen includes a large island and stainless steel KitchenAid appliances. Additional features include built-in cabinets in the living room, a 17-foot floor-to-ceiling fireplace, crown molding, hardwood floors throughout main living areas and solid core 8-foot wood doors. The outdoor living area offers a grill and refrigerator, dining area, living area, fireplace, and covered and uncovered decks.

The Cranberry Cove neighborhood offers 20 single-family homes, consisting of three- and four-bedroom floor plans from 2,400 to 2,800 square feet. Each home is built at an average elevation of 4,000 feet and situated on a minimum of one acre. Residents of this idyllic luxury community are eligible for a variety of memberships in Linville Ridge Country Club. For more information, visit LinvilleRidge.com.

FRENZEL PROPERTIES TO MERGE WITH IVESTER JACKSON I CHRISTIE’S Frenzel Properties, one of Charlotte’s leading boutique residential real estate firms, recently announced the merger of its agents and client portfolio with leading luxury residential brokerage, Ivester Jackson I Christie’s Properties. The newly merged firm will operate under the Ivester Jackson I Christie’s brand and will bring the total number of agents operating out of the firm’s SouthPark Towers office to more than 20.

The Frenzel team will work closely with Ivester Jackson SouthPark BrokerIn-Charge Alison Smith to ensure a smooth transition for Frenzel Properties agents and clients as they integrate into the combined firm’s systems. Visit ivesterjackson.com for more information.

Email real estate news to homedesign@charlotteobserver.com.

homes.charlo+e.com

$18,000,000 Cindy Barnes Over in sales in 2016 (704) 367-7203

Great opportunity! 2900+ sq ft home in prestigious Quail Fresh, bright SouthPark townhome w/2 BDRMS’s plus flexroom. Modern kitchen, pretty courtyard, Hollow. Classic, yet modern, with the updates you want! spacious rooms throughout.

8300 Merrimack Court - MLS# 3322452 - $650,000 3522 Kylemore Court - MLS# 3313519 - $375,000

UNDER CONTRACT

Ronda Avenue MLS# 3264020

$100,000 Builder opportunity in popular Stonehaven!

Terrific value in Ballantyne. Spacious home w/5BDRMs, 3BAs, pretty pool.

Near 485 & light rail.

14725 Bridle Trace Ln. - MLS# 3328114 - $325,000

Large lot, ideal for basement

Considering downsizing?

Overwhelmed?

If you need a place to start, call me for a practical, step-by-step approach.

HAND IT OVER Cindy.Barnes@allentate.com

SPECIAL ADVERTISING SECTION . THE CHARLOTTE OBSERVER . SATURDAY, OCTOBER 21, 2017

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|living in Union County DID YOU KNOW? Union County has its own vineyard. Treehouse Vineyards is a family-owned vineyard and winery that got its name from the quaint tree houses on the property where guests are welcome to enjoy a date night or an overnight stay.

Big city luxuries with a small town feel EAT Stone Table Enjoy creative Southern fare at this modern restaurant in historic downtown Monroe, known for its friendly atmosphere and familystyle dinners.

stonetablemonroe.com

PLAY Eagle Chase Golf Club Tee off on this Union County course, considered one of the most unique golf courses in the Charlotte area thanks to drastic elevation changes and a scenic view of the Uwharrie Mountains in the distance.

playeaglechase.com

EXPLORE Downtown Waxhaw Check out the farmers’ market, learn about local history at the Museum of the Waxhaws, score a unique find in one of the momand-pop shops, and stroll across the iconic pedestrian bridge to see the train pass by below.

waxhaw.com

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by Julie Cooper

L

ocated just southeast of Uptown, Union County is one of the fastest growing areas in North Carolina. Offering safe, family-friendly living and the perfect combination of rural and retail, it’s no wonder this vast county and its charming small towns are in such high demand.

“Union County has that small town Southern charm with an Uptown spin on food, fashion, and art,” says Deb White with Helen Adams Realty.

“Coupled with the lower taxes, a diverse range of housing options, and great schools, it’s a win-win for homebuyers looking to have it all.”

Stacey Sauls of The Stacey Sauls Group with Keller Williams Realty lives in Marvin and says her relocation clients are especially drawn to Union County for the school system, low taxes—“in relation to Mecklenburg County”—and all the athletic fields and parks. “The whole area has a really friendly and inviting feel with all the people cheering on their kids at sporting events, gathering at the farmers’ markets on the weekends, and attending the various parades throughout the year.”

One of her favorite parts, however, is the accessibility. “We are so close to all the shopping and dining on Rea Road, and it’s only a hop, skip,

and jump to downtown Waxhaw,” she says. Known as one of the most quintessential small towns in the area with its quaint mom-and-pop shops, inviting sidewalks, and bustling Main Street, Waxhaw is also steeped in rich history with buildings dating back to the 1800s. “It adds to the charm of the area,” says Sauls. “The Museum of the Waxhaws and the Andrew Jackson Memorial are also there. It’s a nice celebration of the town’s past.”

Looking towards the future, the connectivity of Union County is only getting better thanks to the highly anticipated completion of the Monroe Expressway. “It’s going to be awesome for the area,” says George McDowell of The McDowell Team with Premier Sotheby’s International Realty. “What’s happening is drivers will ultimately be avoiding 26 lights on Highway 74—I counted them one Sunday morning—thus allowing those in the eastern Union County area to get to Uptown in a little over 30 minutes if it’s not prime rush hour time.”

Imminent growth is sure to follow making the area even more desirable. “I think the areas along the interchanges are going to boom,” says McDowell. “People who live

SPECIAL ADVERTISING SECTION . THE CHARLOTTE OBSERVER . SATURDAY, OCTOBER 21, 2017

there now have a pretty long drive to grocery stores and retail centers, so if things start developing similar to what they have along I-485, then I think it’s going to be good for everybody.”

Another perk to living in Union County? According to McDowell, it’s the lake life. “A lot of people don’t realize it, but there’s a beautiful lake here in Union County called Lake Twitty,” he says. “What’s cool about it is, if you want to live on the lake and be within 40 minutes of Uptown Charlotte, you can do that here.”

Beyond the lake, there’s a multitude of housing options from luxury golf course communities, amenitydriven neighborhoods, large acreage lots, and more. “Union County has a neighborhood to fit most lifestyles,” says White. “It all depends on what stage of life you’re in. There’s an array of golf-course communities, downtown loft apartments, subdivisions with fantastic amenities, and there’s even a neighborhood with an airport runway.”

As for the market, it’s great. “Union County’s real estate market is doing very well,” says Sauls. “Being a desirable area has increased home values, and overall it’s just a great place to put down roots. I love it here.”

homes.charlo+e.com

living in Union County| 8509 English Turn Lane, Waxhaw, NC 28173 Price: $1,975,000 MLS: 3321202 Listing Agent: Deb White, Helen Adams Realty, 704-254-9437, dwhite@ helenadamsrealty.com Resort-style living in this gorgeous French Chateau-inspired home located within the gates of the Club at Longview. Community features a Jack Nicklaus signature golf course, clubhouse, restaurant, pools, tennis, playground, and youth lodge.

This 2016 Arthur Rutenberg Bordeaux model features upgrades throughout.

Open concept floor plan allows for easy entertaining with clean lines, neutral pallet, and detailed trim work. Family room and kitchen open to private patio, saltwater pool, and cabana.

D

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8509 ENGLISH TURN LANE ~ THE CLUB AT LONGVIEW

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8304 MARCLIFFE COURT ~ THE CLUB AT LONGVIEW

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MLS# 3321202 | 5BD, 5 FULL, 2 HALF BATHS | 6,905 SQFT | $1,975,000

DEB WHITE REALTOR® / NC & SC

704.254.9437

DWhite@HelenAdamsRealty.com DebWhite.HelenAdamsRealty.com homes.charlo+e.com

MLS# 3320736 | 4BD, 4 FULL, 1 HALF BATHS | 5,451 SQFT | $1.249M

Honesty, Integrity & Professionalism

SPECIAL ADVERTISING SECTION . THE CHARLOTTE OBSERVER . SATURDAY, OCTOBER 21, 2017

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|living in Union County 1028 Seminole Drive, Marvin, NC 28173 Price: $845,000 MLS: 3312045 Listing Agent: Joan Goode, Dickens Mitchener & Associates, 704-953-3035, jgoode@dickensmitchener.com Welcome to your dream Firethorne Country Club golf course estate. Open floor plan with gourmet kitchen, and formal dining and living rooms with extensive millwork.

Spacious master suite on main level with spa-like master bathroom. Upstairs includes three bedrooms, office, and media room. Finished basement with kitchenette and guest suite opens up to expansive backyard overlooking the golf course.

Screened-in porch, mature trees, and three-car garage.

700 Medallion Drive #15, Waxhaw, NC 28173 Price: $425,000 MLS: 3303616 Listing Agent: Sarah Szczodrowski, Dickens Mitchener & Associates, 704-8773350, sarah@dickensmitchener.com Longview Phase 3 is gated and beautifully designed around the 3rd, 4th, and 5th fairways. The natural beauty, privacy, and quality of these Longview homesites are ideal for your personal retreat. Choose from a variety of views and terrains including golf course, private wooded, basement, and cleared homesites. The private residences and Longview Club amenities are extraordinary. Homesite and club tours by appointment only. Full Longview membership application required for purchase.

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SPECIAL ADVERTISING SECTION . THE CHARLOTTE OBSERVER . SATURDAY, OCTOBER 21, 2017

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The Club at Longview: Phase III Luxury Custom Build Homesites from $200,000 - $475,000

Gated and beautifully designed surrounding 3rd, 4th, & 5th fairways. The natural landscape, privacy, & quality of the neighborhood is enchanting. Choose from a variety of views and terrains including golf course, wooded, and cleared home sites. Private residences and Longview Club amenities are extraordinary! Contact your Longview real estate partners below to schedule a private tour today.

SALLIE PROUTY REALTOR®/Broker 704.651.5655 | sprouty@dickensmitchener.com SARAH SZCZODROWSKI REALTOR®/Broker 704.877.3350 | sarah@dickensmitchener.com

Debbie Forbis | 704.400.5518 Craig Martin | 704.634.1510 sales@theclubatlongviewrealestate.com

Your Best Source for Residential Real Estate. homes.charlo+e.com

SPECIAL ADVERTISING SECTION . THE CHARLOTTE OBSERVER . SATURDAY, OCTOBER 21, 2017

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I’ll get you moving!

Debbie Brown Broker/Realtor

®

(704) 564-4432 Debbie.Brown@allentate.com Join me on

End Unit Townhome in NoDa - Steel Gardens!

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2904 Textile Way - Charlotte MLS# 3313170 | 4BD, 3.5BA & 2,019 Sqft | $359,900

Featured Home - Community Airstrip E M US -3P HO 28 1 EN 0/ OP ay 1 d r tu Sa

950 Eagle Road, Weddington, NC 28173 Price: $1,325,000 MLS: 3286636 Listing Agent: Debbie Brown, Allen Tate Realtors, 704-564-4432, debbie.brown@allentate.com Enjoy spectacular lake and pool views from nearly every room and terraces of this fabulous midcentury modern home inspired

by Frank Lloyd Wright. The mainlevel gathering area/kitchen was opened and completely renovated in 2004. Features include finely crafted, architectural details, stone fireplace, hardwoods, floating circular staircase, and owner’s suite with a sitting area, a fireplace, and dual baths on the main level. Follow the stairs down to media, billiards, office, sunroom and second living quarters, Au-Pair suite and sauna.

Fly-in community of Aero Plantation.

950 Eagle Road - Weddington MLS# 3286636 | 5BD,7BA | 7,296 Sqf,6.95Acres | $1,325,000

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SPECIAL ADVERTISING SECTION . THE CHARLOTTE OBSERVER . SATURDAY, OCTOBER 21, 2017

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living in Union County| 3719 Heron Point Drive, Monroe, NC 28110 Price: $1,100,000 MLS: 3298830 Listing Agents: Gail McDowell, 704-9896565, gail.mcdowell@sothebysrealty.com; George McDowell, 704-989-6752, george. mcdowell@sothebysrealty.com; Premier Sotheby’s International Realty This waterfront property, just three miles from Monroe bypass, is on a peninsula lot on Lake Twitty with lovely views in every room. Gated street leads to private cul-desac. Marble foyer, great room, and dining room have hardwood floors and lighted stone fireplace. Media room has built-in wall and room for wine racks or computer games. Kitchen has white cabinets and built-in pantry. Master suite has bath with huge shower, stone fireplace, and sunroom.

LAKE TWITTY | 3719 HERON POINT DRIVE | MONROE

THE MCDOWELL GROUP Gail McDowell

George McDowell

704.989.6565

704.989.6752

gail.mcdowell@premiersir.com gailmcdowell.premiersothebysrealty.com

george.mcdowell@premiersir.com georgemcdowell.premiersothebysrealty.com

McDowellRealtyGroup.com homes.charlo+e.com

SPECIAL ADVERTISING SECTION . THE CHARLOTTE OBSERVER . SATURDAY, OCTOBER 21, 2017

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MARLYN JAMISON Broker, REALTORÂŽ 704.363.4432 Marlyn.Jamison@allentate.com

300 Royal Crescent Lane - Waxhaw

MLS# 3294805 | 4BD, 4 Full & 2 Half Baths | 5,172 Sqft | $1.450M Stunning Custom Home in Gated Community Boasts Exceptional Architectural Details and Breathtaking Golf and Water Views. Covered Veranda, Great Room with Coffered Ceiling, Gourmet Kitchen and Wine Room. Master Bedroom on Main Level with Fireplace Overlooking Fairway.

935 Eagle Road - Waxhaw

609 Sorrell Spring Court, Waxhaw, NC 28173 Price: $1,125,000 MLS: 3326657 Listing Agent: Marlyn Jamison, Allen Tate Realtors, 704-363-4432, marlyn.jamison@allentate.com This custom five-bed, 4.1-bath home is located in a gated community on a private wooded cul-de-sac lot with three-car garage. Covered porch overlooks in-ground saltwater pool and hot tub. The master suite and guest bedroom are located on the main level. Other features include a great room with coffered ceiling, open kitchen/keeping room/ breakfast room. Exquisite molding detail, 10-foot ceiling and Brazilian cherry wood flooring.

MLS# 3292099 | 6BD, 4 Full & 2 Half Baths | 6,105 Sqft | $925K LovelyUpdatedCustomContemporaryHomeNestledonPrivate2AcreLotFeaturingCoveredPorches, Slate Floors, and Rich Detail Throughout. Finished Walk-out Basement with Private Apartment with Kitchen, Den, Bedroom and Bath. Relax in this Serene Setting with In-ground pool.

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SPECIAL ADVERTISING SECTION . THE CHARLOTTE OBSERVER . SATURDAY, OCTOBER 21, 2017

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J erry Alfero Your North to South Connection FORMER RE BROKER IN WESTCHESTER COUNTY, NY Relocating? I know where you’re coming from and Charlotte’s the place you want to be!

704-608-8300 (mobile) 704-543-5907 (direct) terry.alfero@allentate.com www.TerryAlfero.com

d ree u at m Fe Ho

1103 Bromley Drive ~ Weddington

MLS# 3293094

$1,250,000

452 Latimer Lane ~ Fort Mill 1103 Bromley Drive, Weddington, NC 28104 Price: $1,250,000 MLS: 3293094 Listing Agent: Terry Alfero, Allen Tate Realtors, 704-608- 8300, terry. alfero@allentate.com This custom home boasts a stone paver driveway (porte cochere), gas lanterns, a fenced outdoor oasis with a Pebble Tec Gunite heated pool, jetted tub, fountain, and an outdoor kitchen. Other features include five fireplaces, hardwoods on the main level, heavy trim work, wood beam cathedral ceilings in the master, a cast stone wood-burning fireplace, built-in speakers, a circular staircase, media room with speakers, and a wine cooler.

homes.charlo+e.com

MLS# 3310261

$749,900

on gte n i dd as We Ch

1705 Hickory Ridge Drive ~ Waxhaw

MLS# 3295263

$524,750

17237WMarbellaLane~IndianLand 1147SpicewoodPinesRd~FortMill

MLS# 3318781

MLS# 3318877

$398,900

$284,900

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C H A R L O T T E

Boutique Custom Builder | Wendover Hill | Quiet Cul-De-Sac

home design - dedicated to showcasing charlotte’s distinctive homes -

Upcoming Issue Focus Calendar 223 WENDOVER HILL CT #12 | MLS# 3268722 | $925K | 4BD, 5BA | 3,309 Sqft

Custom New Construction | Wendover Hill | 10 Minutes from Uptown

OCTOBER

SAT 7

THE UPTOWN WARDS

14

CUSTOM BUILT HOMES

21

UNION COUNTY

28

NC GREAT LAKES

SAT 4

NOVEMBER HISTORIC HOMES

11

THE BABY BOOM ISSUE

18

LAKE KEOWEE

25

THE GRAND STRAND

205 WENDOVER HILL CT #9 | MLS# 3270416 | $1,195M | 4BD, 5BA | 4,400 Sqft Lake Wylie Waterfront ~ McLean ~ Belmont, NC

Custom New Construction ~ Wendover Hill

3814 CHURCHILL RD #19 | MLS# 3270422 $795,000 | 4BD, 4.1BA | 3,014 Sqft

241 CAPE AUGUST PL #26 | MLS# 3125483 $1,250,000 | 5BD, 4.1BA | 5,300 Sqft

New Construction ~ Davidson

Davidson Hall ~ Serene Setting

832 PATRICK JOHNSTON LN #32 | MLS# 3255713 $720,016 | 5BD, 4.2BA | 3,418 Sqft

820PATRICKJOHNSTONLN#29|MLS#3278844 $795,000 | 5BD, 4.2BA | 3,814 Sqft

SAT DECEMBER THE BUNGALOW ISSUE 2 GASTON COUNTY 9 16 EQUESTRIAN, FARMS & LAND RISING STARS - TOP 10 23 30 HIGH COUNTRY NC MTNS C H A R L O T T E

home design

Anne Brade

- dedicated to showcasing charlotte’s distinctive homes -

NC/SC Broker Realtor, ABR, CRS, CLHMS

(704) 650-4951 Anne@AnneBrade.com www.TeamBrade.com

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SPECIAL ADVERTISING SECTION . THE CHARLOTTE OBSERVER . SATURDAY, OCTOBER 21, 2017

North Carolina’s Premier Real Estate Publication Viewed by 339,500 Readers Weekly!

For more information & advertising options, contact Buck Brice (704) 358-5454 BBrice@CharlotteObserver.com

homes.charlo+e.com

Bonnie Papandrea 704.756.8071 ~ Bonnie@TeamPHomes.com

Daniel Papandrea 704.904.5334 ~ Daniel@TeamPHomes.com

TeamPHomes.com

Wilkinson ERA Real Estate Skye Condos ~ 222 Caldwell St Carmel CC ~ 5531 Challis View Ln

MLS# 3262082

MLS# 3301959

$725,000

$749,900

Lansdowne ~ 6418 Sardis Rd 3000 Rocky Hollow Drive, Waxhaw, NC 28173 Price: $850,000 MLS: 3321381 Listing Agents: Bonnie Papandrea, 704-756-8071, bonnie@teamhomes. com; Daniel Papandrea, 704-9045334, daniel@teamhomes.com; Wilkinson ERA Real Estate This stunning home will not disappoint. The home offers high ceilings, beautiful moldings, and an open floor plan. Elegant formal dining room, spacious study, keeping room, and spacious chef’s kitchen with two stainless steel ovens and gas cooktop. Home has a guest bedroom and full bath on the main level. The owner’s suite has a luxurious sitting area and large walkin closet. Secondary bedrooms are all sizable with great closet space.

Head outdoors through the screened porch onto a paver patio featuring a built-in gas grill and fireplace.

homes.charlo+e.com

Matthews ~ 1021 Woodkirk Ln

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MLS# 3327401

MLS# 3277576

$499,900

$430,000

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Photo by Brooke Adler

|design trends

Front Porch Décor for Fall

by Taylor Arnold

W

can incorporate olive with Hubbard or Kabocha squash—and add in some white pumpkins to break up these colors. Incorporate port into your wreath, pots, or decorative pillows.”

CREATE A WARM COLOR PALETTE According to Brooke Adler, owner of Brooke Adler Interiors, the color palette this fall leans more toward warmth. “Some of the top colors are burnt orange, port, and olive,” she says. “It’s easy to knock out the burnt orange with traditional pumpkins, and you

ADD SOMETHING UNEXPECTED If you’re tired of the typical orange and black—or your style has more of a modern edge—consider the idea of fall en blanc.

“With the rising popularity of white pumpkins and gourds, creating a modern yet festive display is easier than ever,” says Cheryl Luckett, owner of Dwell by Cheryl. “Try utilizing clear lights, white pumpkins, and other white décor to keep things clean and modern.”

hether your home has a spacious patio or cozy front porch, there are limitless ways you can spruce up this outdoor space for fall. Add some pumpkins, accent it with some florals, or adorn it with wreaths and garlands. From traditional to rustic to whimsical, our designers share their ideas for autumn-inspired décor that will take center stage this season.

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SPECIAL ADVERTISING SECTION . THE CHARLOTTE OBSERVER . SATURDAY, OCTOBER 21, 2017

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N O SO G IN M CO Photo by April Waltz Photography/Courtesy of Brooke Adler Interiors

Find Inspired Active Living IN TEGA CAY Charming Ranch-Style Homes from the mid $300s

DRESS UP YOUR PUMPKINS Monogrammed and decorative painted pumpkins have become popular alternatives to carving. “Metallic paint is always fun and festive,” Adler says. “Use paint to decorate your pumpkin with a fun monogram, festive phrase, or a modern design such as chevron.” Another option is to cut strips of fabric and apply a decoupage medium to adhere to your pumpkin. “I also love the idea of using pumpkins— faux or real—as planters for fall plants and foliage,” Luckett adds.

WELCOME GUESTS WITH COLORFUL WREATHS AND GARLANDS When it comes to both wreaths and garlands, the good news is that materials are typically interchangeable. “The farmhouse look is in right now and won’t be going away anytime soon,” Adler says. “My favorite is seeded eucalyptus leaves fanned in with

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clematis and olive branches, sprinkled with small pinecones or acorns. I have seen some beautiful southernthemed ones that incorporate cotton stems, magnolia leaves mixed in with quail feathers and dried flowers, and wreaths incorporating burlap. The goal is for the wreath to look as natural as possible.”

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ACCENT IT WITH FALL FLORALS • 2-4 Bedroom Homes “While mums are a great traditional • 1,800 – 2,600 sq.ft. choice, sunflowers (especially the • 2 – Car garages Mexican varieties) are my go-to flowers this time of year,” Luckett says. “Plant BECOME A VIP AND REGISTER TODAY. them in late summer, and by the time Contact Online New Home Specialist the early days of fall arrive they are in Katie Whittie At 980-247-0206 full bloom. Orange varieties in addition Whittie.KatieF@Mattamycorp.com to the traditional yellow option offer a cheery pop to your fall décor.” A beautiful planter can also tie the look mattamyhomes.com/Charlotte together. “A cheap-looking planter will take away from the beautiful floral disBuilder’s License #47524. play,” Adler says. “They can be pricey SPECIAL ADVERTISING SECTION . THE CHARLOTTE OBSERVER . SATURDAY, OCTOBER 21, 2017

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Mike Stearns

704.491.5769 Realtor®, Broker, ABR, CRS, CNE

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MakingCharlotteHome.com 1004 Sultana Lane ~ Matthews Photo by April Waltz Photography/Courtesy of Brooke Adler Interiors

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but really make a difference and can be used with various plants throughout the year.”

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BRING THE INDOORS OUTSIDE “Think about how you can cozy up your porch by bringing in elements traditionally used indoors,” Luckett says. “Items like blankets in fall colors or prints, baskets, and outdoor table lamps can be used to decorate your porch and create a homey feel outdoors.” If you have front porch seat-

EASILY TRANSITION FROM HALLOWEEN TO THANKSGIVING Mix some Halloween decorations in with your fall display for the month of October, but let your autumn decor shine from September through November. “There is nothing more classic than a beautiful fall wreath, my favorite being the ones that incorporate seeded eucalyptus and dried flowers,” Adler says. “I love flat, stacked pumpkins in various colors and sizes resting on iron planters, corn stalks tied to columns, tall, statement planters with fall colored blooms that vary in color, size and texture, and purposefully arranged warty pumpkins and gourds on front steps that look slightly haphazard.”

SPECIAL ADVERTISING SECTION . THE CHARLOTTE OBSERVER . SATURDAY, OCTOBER 21, 2017

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Brookhaven

MLS# 3325994

$535,000

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MAKE THE MOST OUT OF A SMALL SPACE If you’re working with a small outdoor space, the worst thing you can do is overcrowd it. “Less is more,” Adler says. “Go with simpler décor, but be sure the items you choose are a proportionate size to occupy the space—undersized items will make the space look smaller and unintentional.”

To avoid a cluttered display, consider lining your steps with bundles of mums and pumpkins, or frame the home’s front door with vines or garlands.

ing, update it by adding fall-colored pillows. “You may be hesitant to make the investment, but you will use them year after year and can keep them out from September to November,” Adler says. “Another way to do a simple update is to switch out your doormat to something that is more fall-colored or themed.”

By exciting each of your senses, you can make your front porch a trick-or-treat destination this .

Photos by April Waltz Photography/Courtesy of Brooke Adler Interiors

Halloween

• Sight: Add festive lighting such as orange-tinted bulbs in your lanterns, or brightly lit jack-o-lanterns.

• Sound: Consider having a Halloween playlist streamed outdoors to draw your trick-or-treaters in.

•Smell: A popcorn machine can serve up an aromatic and buttery treat that will have kids flocking to your front door.

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SPECIAL ADVERTISING SECTION . THE CHARLOTTE OBSERVER . SATURDAY, OCTOBER 21, 2017

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2017 parade of homes winners announced

T

he Parade of Homes, presented by the Home Builders Association of Greater Charlotte, features new homes throughout the Greater Charlotte region. Area real estate agents and designers judged the 80 entries. The self-guided tour began on Oct. 6, and

continues through Oct. 22, 2017.

Homes are available for viewing FridaySunday. Hours are 11 a.m. to 6 p.m. on Fridays and Saturdays. On Sundays homes may be viewed from 1-6 p.m.

The event is free to visitors. The event is sponsored by the Home Builders As-

sociation of Greater Charlotte Premiere Partners. Sponsors include: Piedmont Natural Gas and Wells Fargo.

Builders continue to be enthusiastic about the website www.paradecharlotte.com and the newly launched Charlotte Parade of Homes App. Visi-

tors can go online to see more about the homes.

Many of the homes are furnished.

Homes are priced from $200,000 to over $1 million. Parade magazines can be picked up at participating Parade homes.

2017 Parade Winners CATEGORY 1: $245K - $300K SILVER Smith Douglas Homes—Walnut Creek, Buffington GOLD Mattamy Homes—King’s Grove Manor, Gaines “Farmhouse”

CATEGORY 8: $500K - $550K SILVER Essex Homes, Inc. —Shinnville Ridge, Scottsdale GOLD Saussy Burbank—Masons Bend, Murray A

CATEGORY 2: $300K - $350K SILVER David Weekley Homes—Massey, The Melvin GOLD Mattamy Homes—Castlebrooke, Periwinkle “Craftsman”

CATEGORY 9: $575K - $599K SILVER Chelsea Building Group—ReAlta, ReFresh GOLD Essex Homes, Inc. —Summerwood, Katherine

CATEGORY 3: $351K - $375K SILVER David Weekley Homes—Parkside at Skybrook North, The Salvadore GOLD H & H Homes—Kellswater Bridge, Oliver “B”

CATEGORY 10: $600K - $699K SILVER Taylor Morrison—The Falls at Weddington, Southport GOLD – tie Mattamy Homes—Lawson, Vanderbilt “Estate” David Weekley Homes—Avignon, The Verdale

CATEGORY 4: $376K - $425K SILVER Kolter Homes—Cresswind Charlotte, Laurel GOLD Niblock Homes—Bedford Farms, Dunhill

CATEGORY 11: $725K - $799K SILVER Taylor Morrison—Waterside at the Catawba, Rochester GOLD Shea Homes—The Enclave at Massey, Bel Aire

CATEGORY 5: $426K - $450K SILVER David Weekley Homes—Eden Hall, The Brescia GOLD Taylor Morrison—Stafford at Langtree, Essex

CATEGORY 12: $800K - $899K SILVER Alan Simonini Homes, LLC SouthPark City Homes, Fairview I GOLD Saussy Burbank Cherry, 3726 A

CATEGORY 6: $451K - $475K SILVER Taylor Morrison—Hunton Forest, Somerset GOLD Bonterra Builders—Cedarvale Farms, Somerset D CATEGORY 7: $476K - $499K SILVER Epcon Communities—The Courtyards at Kinnamon Park, Portico with Bonus Suite GOLD Fielding Homes—Masons Bend, The Aura

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CATEGORY 13: $1M+ SILVER Arthur Rutenberg Homes Stevens Grove, Asheville 1431F GOLD Toll Brothers The Falls at Weddington, Hollister Devonshire

SPECIAL ADVERTISING SECTION . THE CHARLOTTE OBSERVER . SATURDAY, OCTOBER 21, 2017

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SPECIAL ADVERTISING SECTION . THE CHARLOTTE OBSERVER . SATURDAY, OCTOBER 21, 2017

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|real estate trends

homeowners insurance What You Need To Know

by Taylor Arnold

M

ost of us know having homeowners insurance is a smart way to protect ourselves financially in the event of a disaster. But what many of us don’t know is exactly how much coverage we need, what type of damage is fully covered, or what discounts we may be missing. To help sort out what’s what, our experts are here to share the top things

homeowners need to know.

WHY YOU NEED IT In a nutshell, homeowners insurance covers your home and its contents from theft, vandalism, fire, windstorms, lightning, and hail. “Additionally, liability coverage will protect you in the event that someone gets hurt while on your

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property and they decide to sue you,” says Robin Price, president of Allen Tate Insurance. “Homeowners insurance is required to be in place prior to closing on a home purchase to protect the homeowner and the lender who holds the mortgage.”

HOW MUCH COVERAGE YOU NEED Simply put, the better your coverage, the less you will have to pay out of your own pocket if an accident occurs. It’s a good idea to insure your home for replacement value, which is the amount needed to rebuild and replace its contents. To calculate this, your insurance agent will use a replacement cost estimator, and they may also inspect your property to make sure it is insured for 100 percent of the replacement cost.

“It is always important to note that home insurance is based on replacement cost values and not on market values,” says Drew Patterson, a

private client manager with Windermere Insurance Group. “Our clients buying in Madison Park, Sedgefield or Elizabeth will generally have a lower insurance value than what they are purchasing a home for.”

REPLACEMENT COST VS. ACTUAL CASH VALUE If you have the option to insure your home and belongings for replacement cost or actual cash value, Patterson recommends the former. “The homeowner never wants to see the term ‘Actual Cash Value’ in their policy,” he says. “’Actual Cash Value’ is a loss settlement option where the insurance company would pay the depreciated value for the home or contents. ‘Replacement Cost’ is replacing old with new, which makes it the desired loss settlement option.”

WHERE TO SHOP AROUND The good news is you’re not required to buy insurance from the company your

SPECIAL ADVERTISING SECTION . THE CHARLOTTE OBSERVER . SATURDAY, OCTOBER 21, 2017

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lender recommends. “You may elect to use any insurance company you like,” Price says. “An independent insurance company (like Allen Tate Insurance) allows you to shop from a variety of regional and national insurance carriers to provide you with the best coverage for your individual needs at a competitive price.” You can also use sites like insurancequotes.com or netquote.com to get free home insurance quotes.

“This policy is known as an ‘open peril’ policy, which means the policy must specifically state that a loss is excluded for no coverage to exist.” While standard home insurance policies will cover theft, vandalism, fire, windstorms, lightning, hail, and liability, earthquake and flood coverage are not included in the North Carolina homeowner policy. (Visit fema. gov to learn more about purchasing flood insurance at an additional cost.)

WHERE TO FIND THE DISCOUNTS Homeowners will typically receive a 10- to 15-percent discount by insuring their home and car with the same company, but what many may not realize is some insurers will offer lower prices for installing things like alarm systems or replacing a roof. “We are starting to see additional credits related to homes becoming ‘smarter,’” Patterson says.

So upgrades like lightning suppression systems, generators, security systems, and water flow devices that detect leaks can all translate to big savings. And in most states, including North Carolina, having a good credit score can lower your insurance premiums as well.

WHEN TO FILE A CLAIM (AND WHEN NOT TO) Patterson says most insurance companies react better to large claims than small ones. “Frequency is viewed worse than severity,” he says. “Insurance companies are great at getting small losses back from the homeowner through the loss of ‘claims free’ credits.” In other words, think twice before making a smaller claim because it can cause your current rate to soar.

WHAT TYPE OF DAMAGE IS ACTUALLY COVERED Homeowners often learn too late that flood insurance is not included in a standard policy—so it is crucial to know exactly what damage is covered in the event of a disaster. “The HE7 is the broadest homeowner form offered in North Carolina,” Patterson explains.

homes.charlo+e.com

HOW OFTEN TO REVIEW AND UPDATE YOUR POLICY “Annual checkups are always good to review your policy and make sure you have not had any life changing events (marriage, birth or adoption of a child, child going off to college, etc.) that might affect your coverage,” Price says. Additionally, if you have a homebased business, your insurance agent can help make sure you have proper coverage and protection. If you want to offer your home as a vacation or rental property, you’ll need a different type of coverage as well.

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SPECIAL ADVERTISING SECTION . THE CHARLOTTE OBSERVER . SATURDAY, OCTOBER 21, 2017

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|home & garden

think pink and orange for daffodils

by Nancy Brachey

NEW CONSTRUCTION

T

hink daffodils, think yellow—but the sunshine color is not your only choice when picking daffodils to plant this fall.

The choices extend well beyond the beloved solid yellow daffodils such as Carlton or Dutch Master that are so loved.

But both pink and orange are such spring-like colors that it’s great to add them to flower beds or container gardens, just to add a little interest.

Look over the array of boxes holding fresh bulbs in garden centers, or flip through the catalogs for a glimpse.

These varieties tend to include pink or orange as the center or edgings of cream or white daffodils. For example, the Salome daffodil is considered pink for its lovely pink center ringed in white petals. This is a long-lived, high-performing daffodil that has been around a long time and stands out in a flowerbed.

Fortissimo is more dramatic, hav-

ing a bold orange center cup ringed in bright yellow petals, a standout. Not only is the color bold, the blooms are large, and can be 6 inches in diameter.

Professor Einstein is another choice, but its reddish-orange center has white petals all around it.

Expanding your color choice allows you to cater to your particular tastes as well as offering contrast to other spring colors, such as the bright azaleas in bloom with the daffodils.

October is a great month to pick these bulbs, but you can delay planting until November to allow time for bed preparation. Don’t overlook the chance to plant daffodils in large containers, where they will prosper. Topping them with pansies of a great color, perhaps purple pansies over yellow daffodils, gives dramatic results and extends the time of enjoyment because pansies have a very long season of bloom.

Whether you plant in beds or containers, well-drained soil lightened

NEW CONSTRUCTION

GEOFF ELOGE Richard Pearsall Real Estate 704-641-5004 Geoff@MillsEloge.com www.MillsEloge.com

SEDGEFIELD BUNGALOW 3133 SUNSET DRIVE CHARLOTTE, NC 28209 MLS# 3322211 - $1,240,000 4BD, 4.5BA & 4,579 SQFT

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Two new construction opportunities on Sunset Drive, one of the best streets in Sedgefield. SEDGEFIELD BUNGALOW Home to be built by Mills Eloge Homes. Perfect for 3156 SUNSET DRIVE buyers looking for a custom home but prefer not to start from scratch. Home features a main-level CHARLOTTE, NC 28209 master bedroom, a second master upstairs, large kitchen, and open family room, 48-inch range, MLS# 3322211 - $1,225,000 SubZero refrigerator, outdoor living, detached 4BD, 4.5BA & 4,461 SQFT garage, and sitting front porch.

SPECIAL ADVERTISING SECTION . THE CHARLOTTE OBSERVER . SATURDAY, OCTOBER 21, 2017

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with compost is essential to daffodil success. In a bed, set the bulbs about 8 inches deep and fertilize with a product such as Bulb Booster sprinkled into the bottom of the hole.

Many gardeners plant them in beds that have been occupied by summer

flowers since late spring and are now ready—or past ready—to be replaced.

You should think of daffodils as long-time residents of these beds, but they can be planted with small annuals as the foliage turns yellow in late spring.

Ask Nancy Q: I have beautiful hostas planted in large pots that did well and weren’t bothered by voles like they are in the ground. What should I do about them this winter?

A: Leave them in the pots. The foliage will die down naturally with cold weather. But the roots will do well in the pots and be ready to send up new growth in spring.

Nancy Brachey: nbrachey@charlotteobserver.com Daffodils with orange, pink or red-orange on their blooms give variety to the landscape.

Chestnut at Blowing Rock 364 Chestnut Drive Blowing Rock, North Carolina 28605

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Chestnut at Blowing Rock features open and airy living spaces, natural finishes and towering windows designed to showcase breathtaking vistas.

casual setting at Chestnut at Blowing Rock.

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.

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SPECIAL ADVERTISING SECTION . THE CHARLOTTE OBSERVER . SATURDAY, OCTOBER 21, 2017

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Classifieds The Place to Sell and Buy, To Find Jobs, Cars, Real Estate & More!

704-358-5555 • www.charlotteobserver.com Real Estate Reader Notice - All Real Estate advertised herin is subject to the Federal Fair Housing Act which makes it illegal to indicate any preference, limitation or discrimination based on race, color, religion, sex, handicap, familial status or national origin, or an intention to make any such preference, limitation or discrimination.

We will not knowingly accept any advertising for Real Estate which is in violation of this law.

All persons are hereby informed that all dwelling advertised are available on an equal opportunity basis.

If you believe that you may have been discriminated against in connection with the sale, rental or financing of housing, call: The United States Department of Housing and Urban Development (HUD) at 1-800-669-9777.

Lake Property for Sale LAKE WATEREE HOME FOR SALE BY OWNER 2bed/2ba,home on cove, fireplace, open concept, wood floors, granite counters.Screen porch, deck, dock, det garage. 1.9 acre fenced lot.call for appt. 843-200-2517 ---- $319,900

Mountain Property for Sale FSBO Beech Mountain Lots $10,000$55,000. Estate Sale - 50 Beech Mountain Lots $750,000. Club Memberships Available. Call 843-651-4545 STUNNING NC Mtn Views New log cabin on nearly 2 ac. features vault. ceilings, fireplace, hdwd floors, lg. screened porch, ½ basement, Only $194,900 (828) 286-2981

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Lots for Sale Many Lots for mobile or modular homes. Some with well and septic. Low DP. EZ terms. Any Size. Bryant Realty 704-567-9836 www.bryantrealty.org RESIDENTIAL LOT IN ELIZABETH 2223 Greenway Ave. Flat lot on quiet street.

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Easy to navigate. charlotteobserver.com

Easy to navigate. charlotteobserver.com

SPECIAL ADVERTISING SECTION . THE CHARLOTTE OBSERVER . SATURDAY, OCTOBER 21, 2017

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Mortgage Guide Institution

30 yr APR

The Charlotte Observer

30 yr Fixed

Product

30yr Fixed APR

Points

Fees

% Down

APR

Phone Number / Website

Rate: 3.625

15 yr fixed

2.875

0.000

$885

Points: 0.000

7/1 yr Arm

3.000

0.000

$885 20% 3.500

704-412-9131

Fees: $175

30 yr jumbo

3.875

0.000

$885 20% 3.907

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% Down: 20%

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3.634% Mecklenburg Mortgage

Rate

20% 2.892

NMLS # / License #

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Why 15-year mortgages are worth a look

By Sabrina Karl The 30-year fixed mortgage is the apple pie of home financing, with roughly 9 in 10 borrowers choosing the long-term option.

But that doesn’t mean it’s your only or best choice. For many homeowners, a shorter 15-year loan offers considerable savings.

option. Over 30 years, a $150,000 mortgage at 4 percent will cost about $258,000. Meanwhile, borrowing the same $150,000 for 15 years at 3.25 percent will cost just $190,000, saving you almost $70,000.

There are just two differences between 15- and 30-year mortgages: first, the length of the term, and second, because the lender’s risk with you lasts 15 years instead of 30, the interest rate. A rule of thumb is that 15-year rates run about 0.75 percent lower than their 30-year siblings.

Of course, the benefit doesn’t come without its trade-off. The monthly payment for the 30-year loan will run about $716, while the 15-year mortgage will require committing to a $1,054 payment.

For most borrowers, the choice comes down to affordability. A 30-year loan offers the lowest monthly payments, allowing the flexibility to buy a more expensive home than you could with a 15-year term, or leaving more money for competing priorities such as retirement or college.

Still, if you can afford the higher payment and your income is reliable, the 15-year term will save a considerable sum, and get you debt-free sooner. Indeed, it’s a particularly great option for those approaching retirement.

Want the 15-year savings but leery of committing to higher payments? A hybrid is to take a 30-year loan but make payments at But with a higher rate and a twice-as-long term, the 30-year the 15-year level, still saving a substantial amount while retaining mortgage will ultimately cost a great deal more than the 15-year your option to make lower payments during lean times.

Rate Criteria: The rates and annual percentage rate (APR) are effective as of 10/17/17. All rates, fees and other information are subject to change without notice. RateSeeker, LLC. does not guarantee the accuracy of the information appearing above or the availability of rates and fees in this table. The institutions appearing in this table pay a fee to appear in this table. 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. 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 $424,101. Lock Days: 30-60. Points quoted include discount and/or origination. Payments do not include amounts for taxes and insurance. The APR may increase after consummation and may vary. FHA Mortgages include both UFMIP and MIP fees based on a loan amount of $165,000 with 5% down payment. Points quoted include discount and/or origination. 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. VA Mortgages include funding fees based on a loan amount of $165,000 with 5% down payment. If your down payment is less than 20% of the home’s value, you will be subject to private mortgage insurance, or PMI. “Call for Rates” means actual rates were not available at press time. To access the NMLS Consumer Access website, please visit www.nmlsconsumeraccess.org. To appear in this table, call 773-320-8492.

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