Charlotte Property Hunters - Find Your Dream Home in South Charlotte and Union County, North Carolina

Looking at our overall housing market at a regional level to include Mecklenburg County and surrounding areas you will see that while we have our issues, Charlotte is not drastically sliding price wise. If you are considering buying or selling take a look at these charts and contact me with questions. I am here to help.

Today’s market is a buyer’s market with interest rates well below 4.5% for a 30 year fixed interest rate mortgage. We should be seeing more buyers stepping out to look at homes for sale and real estate in our housing market. Traditionally this time of year sellers have opportunity from Labor Day through Thanksgiving. If you are considering selling this year, start preparing your home now.

Tiffany Johannes (704) 301-7404/tiffany@Husbt.com

If you are considering buying a home, there are many opportunities for you to find just the right home for sale in the Charlotte area.  With mortgage interest rates at an all time low of under 4.5% for a 30 Year Fixed Rate Mortgage, it is time to buy if you have been considering purchasing a home.  Interest rates and the number of homes for sale at great prices can't be beat.  

I work with buyers and sellers throughout our area.  Here are a few great homes for sale I have listed in the Charlotte Real Estate Market and surrounding areas.  If you are looking in Midwood, South Charlotte, Huntersville, Cornelius or Union County (Indian Trail, Matthews, Waxhaw, Monroe) you will find a home for sale here.  Of course if none of these homes are what you are looking for, feel free to contact me for a free list of homes for sale. 

My listings for sale

Listings 1 - 20 of 21   next →

9803 Go For Gin CT -- 5 BR, 4.1 BA
Price: $849,900 (4400 - 5300 sqft)
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Help-U-Sell Buy Today | MLS # 961216 | Active

7907 Sunnyvale LN -- 6 BR, 4.1 BA
Price: $519,000 (3800 - 4500 sqft)
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Help-U-Sell Buy Today | MLS # 896202 | Active

1016 Kite CT -- 5 BR, 4.1 BA
Price: $429,900 (3400 - 4100 sqft)
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Help-U-Sell Buy Today | MLS # 933230 | Active

10819 Meg Meadow DR -- 5 BR, 5 BA
Price: $325,000 (3100 - 3700 sqft)
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Help-U-Sell Buy Today | MLS # 948698 | Active

8004 Magna LN -- 5 BR, 3.1 BA
Price: $305,000 (3800 - 4500 sqft)
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Help-U-Sell Buy Today | MLS # 965274 | Active

12630 Aberdeen Park DR -- 5 BR, 3 BA
Price: $299,000 (2400 - 2900 sqft)
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Help-U-Sell Buy Today | MLS # 829332 | Active

8735 Westmoreland Lake DR -- 4 BR, 2.1 BA
Price: $279,000 (2400 - 2900 sqft)
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Help-U-Sell Buy Today | MLS # 932222 | Active

8905 Elrose PL -- 3 BR, 3 BA
Price: $269,900 (2000 - 2400 sqft)
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Help-U-Sell Buy Today | MLS # 969274 | Active

4140 Cedar Point AVE -- 3 BR, 2.1 BA
Price: $229,900 (1700 - 2100 sqft)
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Help-U-Sell Buy Today | MLS # 915070 | Active

922 Jaywood LN -- 4 BR, 2.1 BA
Price: $224,900 (1800 - 2200 sqft)
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Help-U-Sell Buy Today | MLS # 950565 | Active

2401 Potter Downs DR -- 3 BR, 2.1 BA
Price: $219,000 (1600 - 2000 sqft)
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Help-U-Sell Buy Today | MLS # 887531 | Active

5801 Lindley Crescent DR -- 4 BR, 2.1 BA
Price: $214,999 (2200 - 2700 sqft)
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Help-U-Sell Buy Today | MLS # 930829 | Active

8403 Kirchenbaum DR -- 3 BR, 2 BA
Price: $209,900 (1300 - 1600 sqft)
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Help-U-Sell Buy Today | MLS # 927753 | Active

3129 Maywood DR -- 3 BR, 2.1 BA
Price: $189,000 (1300 - 1600 sqft)
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Help-U-Sell Buy Today | MLS # 945453 | Active

6018 Grove Creek LN -- 3 BR, 2 BA
Price: $154,900 (1100 - 1400 sqft)
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Help-U-Sell Buy Today | MLS # 968916 | Active

3017 Secret Garden CT -- 4 BR, 2 BA
Price: $154,900 (1400 - 1800 sqft)
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Help-U-Sell Buy Today | MLS # 948602 | Active

4933 SW Wheat DR -- 4 BR, 2.1 BA
Price: $147,500 (1600 - 2000 sqft)
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Help-U-Sell Buy Today | MLS # 964599 | Active

2313 Sharon Forest DR -- 3 BR, 2 BA
Price: $124,900 (1800 - 2300 sqft)
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Help-U-Sell Buy Today | MLS # 962081 | Active

2109 Clover Bend DR -- 3 BR, 2 BA
Price: $124,900 (1300 - 1600 sqft)
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Help-U-Sell Buy Today | MLS # 951212 | Active

1075 Millhouse DR -- 4 BR, 2.1 BA
Price: $229,900 (2400 - 2900 sqft)
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Help-U-Sell Buy Today | MLS # 970757 | Active

The data relating to real estate on this Web site derive in part from the Carolina Multiple Listing Services, Inc. IDX program. Brokers make an effort to deliver accurate information, but buyers should independently verify any information on which they will rely in a transaction. All properties are subject to prior sale, change or withdrawal. Neither Savvy + Co. Real Estate nor any listing broker shall be responsible for any typographical errors, misinformation, or misprints, and they shall be held totally harmless from any damages arising from reliance upon this data. This data is provided exclusively for consumers -- personal, non-commercial use and may not be used for any purpose other than to identify prospective properties they may be interested in purchasing. © 2010 Carolina Multiple Listing Services, Inc. Data updated September 8, 2010

When shopping for a new home, especially if it is your first time, it can be intimidating when reviewing your different loan options and types. You will see and hear many different terms when dealing with lenders, agents and brokers. Below are some of the common terminology used so you can become familiar when going thru home buying process.

Annual Percentage Rate (APR): The APR for your home loan is an annual cost that includes the interest rate quoted by your mortgage company plus additional home loan costs such as origination fees and points.  Required by law, this amount is to be disclosed to the homeowner by the lender under the federal Truth in Lending Act. This amount includes up-front costs paid to obtain the loan but does not include the PMI,  title insurance, appraisal, and credit report.

Closing Costs: These are the expenses aside from the price of the property that are incurred by buyers and sellers when transferring ownership of a property.  These costs include origination fees, property taxes, charges for title insurance, escrow costs, appraisal fees etc.  Many times these costs are shared by the buyer and the seller.

Escrow: During the home loan process, a neutral third party known as Escrow holds documents and money (including earnest money deposits) for safekeeping until the real estate transaction is complete.

Points: The amount paid either to maintain or lower the interest rate charged. Each point is equal to one percent (1%) of the loan amount. This means that, to lower your interest rate by one point on a $300,000 mortgage, you’ll need to pay an additional $3,000 at closing.

Private Mortgage Insurance (PMI):  If you are purchasing a home and you do not have a the traditional 20 percent down payment,  lenders will require you to carry private mortgage insurance. Private mortgage insurance will usually require an initial premium payment and may require an additional monthly fee depending on your loan’s structure.

Title Insurance: This type of insurance protects both the buyer and the seller against legal issues that may arise with a  home’s title. If a problem occurs, the title company pays the associated legal fees to correct the situation.   

There are  many different terms out there that will come up when you buy a home and apply for a loan. If you are ever confused or have any questions about a particular term or contract be sure to ask your realtor or real estate attorney for clarification before signing any legal documents.

Once you begin the process of looking for a loan you should be aware there are many different types of options available. However, there are only two categories of mortgages: conventional and governmental.

Governmental loans: These types of loans are mortgage programs sponsored by a government agency. Such programs include: the Federal Housing Administration (FHA), the Veteran’s Administration (VA) for veterans, and the Rural Housing Service (RHS) or Farmers Home Administration (FmHA) for those living in rural areas. Keep in mind that these agencies don’t actually loan homebuyers the money; they only guarantee loans granted by lenders who participate in the program.  Conventional loans are loans that are not guaranteed by the government.

 There are many different types of loans available and below are some of the most common. 

One of the most common types of mortgages are the Fixed Rate Mortgage. With this type of loan the interest rate stays the same and is a great option for those homebuyers who plan to stay in their home for a long period of time and who like to know what their monthly payment will be each month.

The opposite of a fixed rate mortgage is the Adjustable Rate Mortgage (ARM).  This type of loan has an adjustable interest rate that changes over the life of the loan. This type of a loan is good for homebuyers who don’t plan on staying in their home for a short period of time. With these types of loans the interest rate in the beginning is usually very low for the the first year or so. But the downside of the these types of  loans is that they can be risky. If interest rates raise to high levels your monthly payments will increase, sometimes significantly.

Interest-Only Mortgage. This type of loan is good in the fact that for the first 10 years of your loan, you only pay the interest accrued. Then after the introductory phase is over, the balance is amortized over the remaining term of the loan. This type of loan benefits those homebuyers who want a low monthly payment while they improve their finanical situation. Keep in mind that after the 10 year period is over the original loan balance will not have decreased, meaning that if your financial situation does not increase you could have problems making the mortgage payments.