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Home for

Christmas We can’t wait for work to end and the holidays to begin. There’s anticipation as we search high and low for that perfect gift for a relative who has everything.

We anticipate gathering with friends and family just for the simple pleasure of being enriched by each other’s company. Children anxiously await Christmas morning to unwrap all those wishes that required them to be extra-good all year long. We all anticipate the pure joy of a quiet, peaceful season and we hope that the qualities of this season can be carried over to the next and the next and the next. Now, the home is glimmering with Christmas lights. The tree shines brightly in the front window. The family has gathered. Laughter and ageless family tales of times gone by are told yet again. Soon the anticipation of the Christmas feast will be rewarded. It’s always good to be home for Christmas.

HERE’S WHERE TO FIND OUR HOMES FOR THE HOLIDAYS: 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 COUNSELOR 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


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

3500 Carmel Road - $450,000

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

The work is done! Updated & freshened: Complete kitchen reno - cabinets, granite, backsplash, Bosch appliances.

MLS#3042875

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

0001439390-03

4721 Ashridge Drive - $289,000

Top to bottom, high-end renovation of post-modern ranch in great location.

7926 Greenview Terrace Court - $385,000 Lifestyle & location at modern Greenview Terrace! Lovely, bright townhome w/pretty golf views. High-end finishes.

MLS# 3037659

HAND IT OVER.

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


373 Fischer Road, Fort Mill Price: $473,000 Sq. ft.: 5,440 Bed/Bath: 5 beds, 3 full baths, 1 half-bath MLS: 1090379 Listing agent: Linda Hall, Century 21 First Choice, 803-548-4499 Located in Fallbrook, this twostory custom-built home offers an impressive amount of square footage – perfect for a large family. The rocking chair front porch and partial stone façade make for excellent curb appeal. Beautiful hardwood flooring and elegant crown molding extend throughout the home. The two-story great room, which flows nicely into the kitchen, is a must-see with its floor-to-ceiling windows. The chef’s kitchen features a gracious amount of cabinetry, double-ovens and a spacious island to maximize counter space.

301 Savannah Lane, Fort Mill Price: $247,900 Sq. ft.: 2,555 Bed/Bath: 3 beds, 2 full baths, 1 half-bath MLS: 3050999 Listing agent: Linda Hall, Century 21 Realty, 803-548-4499

Located in established Palmetto Plantation, this upgraded home has much in store for potential buyers. The grand foyer, with a dramatic two-story ceiling, greets visitors when they first walk through the door. Flanked by the formal dining and living areas, the hardwood entry leads into the spacious great room, breakfast nook and gourmet kitchen. The updated kitchen features a gas range, tile floors and plenty of counter space.

SPECIAL ADVERTISING SECTION . THE CHARLOTTE OBSERVER . SATURDAY, DECEMBER 20, 2014

9P


18 beautiful communities. Too good to pass up. Upscale, innovative living has arrived in Charlotte. Visit one of the 18 communities with homes ranging from 1,947 to 5,306 sq. ft., from the $220s to the $560s. IREDELL COUNTY Bells Crossing – Mooresville From the low $300s

YORk COUNTY

MECkLENbURg COUNTY

Palm Tree Cove II – York From the mid $200s

Mirabella – Huntersville From the low $300s

UNION COUNTY

Handsmill – York From the high $300s

Latta Springs – Huntersville From the high $300s

Briarcrest – Waxhaw From the low $300s

Riverchase – Fort Mill From the mid $200s

Summerwood – Mint Hill From the high $300s

Cureton – Waxhaw From the low $400s

Lakeridge – Tega Cay From the low $300s

Montreux – Charlotte From the high $300s

Candella – Wesley Chapel Coming Soon

CabaRRUs COUNTY

Willowcraft – Stallings Coming Soon

Kellswater – Kannapolis From the high $200s

LINCOLN COUNTY

Churchill Farms – Harrisburg Coming Soon

Arbor Way – Charlotte From the mid $500s Olde Blakeney – Charlotte Coming Soon

Tree Tops – Lake Norman From the mid $300s

855-499-5614 • meritagehomes.com/observer Pictures and other promotional materials are representative and may depict or contain floor plans, square footages, elevations, options, upgrades, extra design features, decorations, floor coverings, decorative light fixtures, custom paint and wall coverings, window treatments (such as shutters, drapes, etc.), landscaping, pool, spa, sound and alarm systems, furnishings, appliances, and other design/decorator features and amenities that are not included as part of the home and/or may not be available in all communities. Prices, rates, terms, programs and availability subject to change or revocation without prior notice or obligation. Offers and availability, including amount, duration and particular home/plan, may vary. Cannot be combined with any other promotion or incentives unless approved by Meritage management. Please see sales agent for complete details.


HAAPPY PPY

HOOLIDAYS LIDAYS!

www.iPoore.com 704-907-2100

Gift Certificate

Next Week… MARVIN


15235-J, 15235-J, John John J Delaney Delaney Drive Drive Charlotte, NC 28277 704.341.0279 www.HelenAdamsRealty.com

Congratulations Fort Mill on being named #2 on Top 25 American Suburbs with the Best Value (Business Insider).

NC Broker/SC Realtor ABR, Relo Specialist, SFR, MA #1 Sales Leader 2004-2013 Nationally Ranked #1 Customer Service 2007-2013 Best in Charlotte 2007-2013 1467276-01

Call: 704.267.3643

Email: jo@butterworth.net ♌ View Homes at www.JoButterworth.com


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The Charlotte . bserver Program

Rate

Points

Fees

Charlotte Metro Federal Credit Union

% Down

APR

877-865-2298

http://www.cmcu.org

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

Program

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www.mecklenburgmortgage.com

Rate

Points

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% Down

APR

704-529-1233

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30 yr fixed

Call for Rates

30 yr fixed

3.625

0.000

$175

20% 3.634

30 yr fixed

3.625

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20% 3.667

15 yr fixed

Call for Rates

15 yr fixed

2.875

0.000

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20% 2.890 15 yr fixed

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$75

20% 2.912

3/1 ARM

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1.000

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5% 2.890 7/1 ARM

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5/1 ARM

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5% 2.972 5/1 ARM

2.625

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20% 2.796

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(B) 1001 Morehead Square Drive #350 Charlotte, NC 28203

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LOCAL IN CHARLOTTE FOR 25 YEARS! OPEN SATURDAYS! A+ BBB RATING!

5/1 Adjustable Mortgage Trend 4.000

30 yr fixed

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0.000

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5% 3.518

3.22

3.875

20 yr fixed

3.375

0.000

$300

5% 3.395

3.04

3.625

15 yr fixed

2.750

0.000

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5% 2.776

2.86

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2.68

10 Year Fixed, 2.875%/0 points. Low closing costs.

2.50

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

3.750 3.500 3.375 3.250 3.125 3.000

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

Source: Bankrate.com 2014

Up: 16% Down: 42% Unchanged: 42%

TIP: AFTER YOUR HOUSE HAS RISEN IN VALUE, LEVERAGE HOME EQUITY AT A LOW RATE TO IMPROVE YOUR HOME. TAP INTO EQUITY WITHOUT INCREASING OVERHEAD.

Source: Bankrate.com 2014

8-Oct 12-Nov 17-Dec

4.25%

4.50%

4.75%

5.00%

30 yr fixed

15 yr fixed

5 yr ARM

This week

3.94

3.21

3.21

Last Week

4.03

3.28

3.26

Last Year

4.58

3.63

3.33

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 4.00%

3-Sep

Calculate Your Mortgage Payment

Each week Bankrate surveys mortgage experts to predict which way rates will go in coming weeks. Here is what they say this week (12/18/14 - 12/24/14)

3.75%

30-Jul

Source: Bankrate.com 2014

Mortgage Prediction

Loan Amount 3.50%

NMLS# 103395

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 12/17/14. © 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

ELKIN | NORTH CAROLINA premiersir.com/id/3050943

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.

Home | Design, December 20, 2014  

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