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F Featured eatured P Properties… roperties…

AR ROUND OUND TO OWN WN NEWEST LUXURY ENCLAVE, BLAKENEY LOCATION

6234 CHAMAR CIRCLE - NW CABARRUS

1/2 Mile from Shoppes on Blakeney $598,900 4 Beds, 3 Baths, 2 Car Garage w/Workshop Open Living with Light Bouncing in from 4 Walls Covered Outdoor Living with Additional Patio 2nd Floor Master Retreat is a Wing of its Own Impressive Kitchen Island & High End Gas Range www.classicahomes.com 704-507-2907 8913 Blakeney Dr, Charlotte

EASY LIVING IN BLAKENEY, SIGNATURE DESIGNED HOME

Stately executive home in Whispering Winds $600,000

4425 NORFLEET STREET

2 Miles from I-485 & Stonecrest $613,900 4 Beds, 3.5 Baths, 2 Car Garage w/Workshop 1st Floor Master Retreat with Wow Spa Bath Stay Organized, Home Office & Oversized Pantry Private Sunlit Study on 1st Floor, Bonus on 2nd Hardwoods Galore & Exemplary Designer Finishes

www.classicahomes.com 704-507-2907 8921 Blakeney Dr, Charlotte

THE BEST OF CURETON, NEW PHASE BY CLASSICA

Concord, NC 28025

$1,299.00

1714 MISSION OAKS STREET

Off Marvin-Waxhaw Rd $584,900 4 Bedrooms, 3.5 Baths, 3 Car Garage 1st Floor Master Retreat, Study & Home Office Room-Sized Covered Front and Back Porches L-Shaped Open Living with Jewel of a Kitchen 2nd Floor Kick-back TV Room for Lounging www.classicahomes.com 704-507-2907 Near 2900 McPherson St, Waxhaw

Kannapolis, NC 28083

$1,099.00


As the season closes we settle with family, with friends. Together, we rejoice in the company and comfort of those we hold dear. A time for and reflection and resolution: We share our stories. Reminiscences bring tears, often of laughter. Hands meet. Eyes soften.

There is much to be thankful for. Not the least that every New Year brings with it the promise of 365 brand new beginnings.

HERE’S WHERE TO FIND US IN THE NEW YEAR. 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 SPECIALIST 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


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

To advertise on this page call 704.358.5555


F Featured eatured P Properties… roperties…

AR ROUND OUND TO OWN WN 6000 DONCASTER DRIVE

NEWEST LUXURY ENCLAVE, BLAKENEY LOCATION

1/2 Mile from Shoppes on Blakeney $598,900 4 Beds, 3 Baths, 2 Car Garage w/Workshop Open Living with Light Bouncing in from 4 Walls Covered Outdoor Living with Additional Patio 2nd Floor Master Retreat is a Wing of its Own Impressive Kitchen Island & High End Gas Range Myers Park School District

$269,900

www.classicahomes.com 704-507-2907 8913 Blakeney Dr, Charlotte


1489318-01

Grand Opening Thursday January 29th 3-7 pm


SouthPark Associate of the Year Over $20,000,000 in sales in 2013.

0001485447-01

R DE CT UN TRA N CO

4052 Arborway – $960,000 Fabulous outdoor living in Foxcroft. Pool, covered deck w/fireplace. Sleek, renovated kitchen & master suite. MLS#2216113

9615 Deer Spring Lane - $325,000 Brick beauty in close-in Cameron Wood. Open floor plan w/hardwoods, sunroom & bonus. Swim/tennis neighborhood. MLS#3022988

3500 Carmel Road - $450,000 Top to bottom, high-end renovation of post-modern ranch in great location. MLS#3042875

4721 Ashridge Drive - $289,000 The work is done! Updated & freshened: Complete kitchen reno - cabinets, granite, backsplash, Bosch appliances. MLS#3043502

4100 Oldfield Road - $450,000 Fall makeover! Kingswood home on pretty street w/fresh paint, flooring, landscaping, plus recent roof, furnace. MLS#3049054

HAND IT OVER.

cindy.barnes@allentate.com • 704-367-7203


ADVERTISEMENT

The Charlotte . bserver Program

Rate

Points

Fees

Mecklenburg Mortgage

% Down

APR

877-493-5002

www.mecklenburgmortgage.com

Check rates daily at http://charlotte.interest.com

Program

Rate

Points

charlotte Metro Federal credit union

Fees

% Down

APR

877-865-2298

Program

http://www.cmcu.org

Rate

Points

Fees

% Down

lendercity, a division oF boulevard bank

APR

866-597-7940

http://www.LenderCity.com

30 yr fixed

3.625

0.000

$750

20% 3.662 30 yr fixed

Call for Rates

30 yr fixed

3.625

0.000

$300

5% 3.640

15 yr fixed

2.875

0.000

$750

20% 2.940

15 yr fixed

Call for Rates

20 yr fixed

3.500

0.000

$300

5% 3.538

7/1 ARM

2.875

0.000

$750

20% 2.913 3/1 ARM

3.000

1.000

$1000

5% 2.946 15 yr fixed

2.750

0.000

$300

5% 2.776

5/1 ARM

2.625

0.000

$750

20% 2.812 5/1 ARM

3.125

1.000

$1000

5% 3.019 5/1 ARM

2.625

0.000

$300

5% 2.807

10 year fixed 2.625%. Low closing costs.

Free Prequalification Letters and Rate Quotes 7 days a week (B) 1001 Morehead Square Drive #350 Charlotte, NC 28203

best rate Mortgage

1190352 (E) 718 Central Avenue, Charlotte, NC 28204

704-529-1233

http://www.bestratemtg.com

(A) 536 Trade Center Blvd., St. Louis, MO NMLS# 193390

1-Year Adjustable Mortgage Trend

3.40

5/1 Adjustable Mortgage Trend 4.000

30 yr fixed

3.625

0.000

$75

5% 3.667

3.22

3.875

15 yr fixed refi

2.875

0.000

$75

5% 2.993

3.04

3.625

7/1 ARM

2.875

0.000

$75

5% 2.912

2.86

3.750 3.500 3.375 3.250

2.68

LOCAL IN CHARLOTTE FOR 25 YEARS! OPEN SATURDAYS! A+ BBB RATING! (B) 814 Tyvola Road, Suite 105, Charlotte, NC 28217

NMLS# 103395

Mortgage Prediction Each week Bankrate surveys mortgage experts to predict which way rates will go in coming weeks. Here is what they say this week (12/24/14 - 12/30/14) Up: 45% Down: 0% Unchanged: 54%

Source: Bankrate.com 2014

2.50

3.125 Source: Bankrate.com 2014

3.75%

4.00%

4.25%

4.50%

4.75%

Tip: Avoid moving loTs of money Around, chAnging bAnks, chAnging jobs, becoming self-employed And mAking big cApiTAl purchAses before buying A home.

5.00%

6-Aug 10-Sep 15-Oct 19-Nov 24-Dec Source: Bankrate.com 2014

Calculate Your Mortgage Payment

30 yr fixed

15 yr fixed

5 yr ARM

This week

3.96

3.25

3.28

Last Week

3.94

3.21

3.21

Last Year

4.63

3.70

3.43

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%

3.000

8-Oct 15-Oct 22-Oct 29-Oct 5-Nov 12-Nov 19-Nov 26-Nov 3-Dec 10-Dec 17-Dec 24-Dec

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 12/30/14. © 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


EXQUISITE ESTATES Immerse yourself in a private world of luxury and intrigue. A world full of splendor, set apart from the rest.

beyond the extraordinary...

premiersothebysrealty.com 704.248.0243

NEWTON | NORTH CAROLINA premiersir.com/id/2222251

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.

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