Tips For Taking Out Your First Mortgage

Having a realtor in Charlotte, NC guide you through the home buying process can definitely make it easier, but if this is your first home purchase, you may have questions about obtaining a mortgage. The experts at Top Charlotte Agent have gathered a few handy tips that can help you successfully navigate purchasing your first home!

Know Your Credit Score

Any real estate agent in Charlotte, NC will tell you that you should never approach a lender without obtaining a copy of your credit score and credit history report. It is important to take a look at your credit history to ensure there are no recent late payments or errors because this can hurt your chances of getting approved. You should always be one step ahead of the game and anticipate what a lender may bring up in your credit report.

Know How Much You Owe

Your lender is going to consider your debt ratio when deciding to approve your mortgage. Before applying for a mortgage, you should also be aware of this information. If you can pay off any debts just prior to applying for your mortgage, this will increase your odds of being approved for a loan.

Develop a Mortgage Budget

Before speaking to a lender, you should determine how much in terms of a monthly payment you can afford to pay comfortably. Keep in mind that when you purchase your home there will be fees, taxes, and insurance payments to make. Your mortgage payment should not be more than 35 percent of your gross monthly income.

Shop Around for Better Rates

You took the time to shop around for a real estate agent in Charlotte, NC, so it makes sense that  you should also evaluate local mortgage lenders. Check out different banks and financial institutions to see what types of rates they are willing to offer you.

If you’re in the market for a credible realtor in Charlotte, NC, then look no further than Top Charlotte Agent. We are experienced and knowledgeable about the real estate market and can help guide you through the process of purchasing your first home. Whatever questions you may have, we’re ready and willing to answer!

Learn more about our services and how we can help you today!

5 Turn-Offs For Potential Buyers in Charlotte, NC

Any realtor in Charlotte, NC will tell you that selling a house is very much like getting a date. You’re supposed to make sure that your house is as attractive to buyers as possible to avoid any turn-offs that can scare away potential buyers. Of course, with dating, if you lose out on a potential date, it’s not nearly as detrimental as it is to lose thousands of dollars in a sale, or to not sell your home at all.

Don’t cramp the buyer’s style

If you are hanging over the buyer’s shoulder, you risk scaring them off. It’s okay for buyers to pursue a property, but it can be a major turn-off when sellers start stalking buyers. If buyers are viewing your home, leave the area and give the buyers just a little bit of space to explore your property.

Dress to impress the buyers

Of course, the number one thing you should always do is dress up your house. The buyers will be turned off if your house is a wreck. This can be difficult to do if you have pets and kids, but if you want to sell your home at the best possible price, your home should look like a home and not like a tornado just came through. You can consider hiring professional home stagers to ensure your home is looking its best.

Be realistic about pricing

If the asking price for your home is off base with other similar properties, chances are that buyers won’t even want to take the time to look at your home, and you’ll frustrate your real estate agent in Charlotte, NC. Buyers will not be interested in trying to negotiate down from an unrealistically high price if they have already decided that you’re out of your mind!

Just let rooms be

Believe it or not, buyers do not want to see how you have repurposed different rooms in your home. It is a big turn-off for buyers to see garages turned into bedrooms, bedrooms turned into offices, and kid’s rooms turned into amusement parks. Keep it nice and simple if you want to sell your home – people like traditional.

Pools don’t add value to your home

Unless your home is located in an area with warm weather year-round, a pool is not necessarily an asset when selling a home. In fact, some buyers may actually view your pool as a liability or something that will take time and effort to keep up with. If you have an above-ground or in-ground pool, it is important to know that this won’t add monetary value to your home. Although it may take a bit longer to sell a home with a pool, it also won’t lower your home’s overall value.

Top Charlotte Agent offers sellers the benefit of having the valuable insight of a real estate agent in Charlotte, NC. People hoping to sell their homes will appreciate having an extra pair of eyes to make sure their home is presentable and attractive to buyers.

For more information about selling your home, learn about Top Charlotte Agent’s services today.

1910 Allison Circle, Rock Hill, SC 29732

This is a beautiful Single-Family Home located at 1910 Allison Circle, Rock Hill SC!

ashley-circle-home

Listing Price: $164,900
Address: 1910 Allison Circle
City: Rock Hill
State: SC
ZIP: 29732
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Square Feet: 1,595
Bedrooms: 3
Bathrooms: 2
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1916 Pudding Lane, Waxhaw, NC 28173

Wonderful home in much sought after community. Situated on a culdesac this home shows like a model. Inviting Living room is open to dining room which is ideal for entertaining. Kitchen has a large center prep island, loads of cabinets/counter space and flows to breakfast room overlooking a 20×17 greatroom. Study/office and loads of light complete the look of the main floor.

puddling-lane-home

Listing Price: $332,500
Address: 1916 Pudding Lane
City: Waxhaw
State: NC
ZIP: 28173
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MLS # (if any): 2209640
Square Feet: 3590
Bedrooms: 5
Bathrooms: 3.5
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1908 Abbotts Creek Rd, Waxhaw, NC 28173

This beautiful 4432 square foot single family home has 6 bedrooms and 5.0 bathrooms. It is located at 1908 Abbotts Creek Rd in Waxhaw, North Carolina.

abbotts-creek-rd-home

Listing Price: $360,000
Address: 1908 Abbotts Creek Rd
City: Waxhaw
State: NC
ZIP: 28173
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MLS # (if any): 2206023
Square Feet: 4,432
Bedrooms: 6
Bathrooms: 5
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7110 Rhygate Circle, Charlotte, NC 28226

Beautiful single-family home located in . 4 bedroom, 2 full bathrooms, 1 partial bathrooms, at 2,450 sqft!

rhygate-circle-home

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Address: 7110 Rhygate Circle
City: Charlotte
State: NC
ZIP: 28226
Subdivision: Olde Providence South
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MLS # (if any): 2222976
Square Feet: 2,450
Bedrooms: 4
Bathrooms: 2.5
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6624 Long Meadow Drive, Charlotte, NC, 28210

Wonderful 4 bedroom, 3 bath home located in the Beverly Woods Subdivision in South Park! This beautiful home has hardwood floors throughout the entire house, an outdoor deck, a screened in porch, and plenty of storage room. This house is the perfect size for a family, boasting 3,039 square feet!

http://www.tourfactory.com/1194592

Listing Price: $350,000
Address: 6624 Long Meadow Drive
City: Charlotte
State: NC
ZIP: 28210
Subdivision: Beverly Woods
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MLS # (if any): 3019311
Square Feet: 3039
Bedrooms: 4
Bathrooms: 3
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12133 Harrison Steel Drive, Charlotte, NC, 28277

Beautiful 2 bedroom house located in the Kingsley Subdivision in Ballantyne of South Charlotte. This house has 2 bedrooms, 2 full bathrooms, and  2 half bathrooms. It is 1,948 sq. ft and is perfect for a small family or couple!

http://www.tourfactory.com/1186158

 

Listing Price: $175,000
Address: 12133 Harrison Steel Drive
City: Charlotte
State: NC
ZIP: 28277
Subdivision: Kingsley
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MLS # (if any): 3015550
Square Feet: 1,948 Sq. Ft.
Bedrooms: 2
Bathrooms: 2 full, 2 half
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Fun Things To Do in Charlotte, NC

As real estate agents in Charlotte, NC, we have to say: Charlotte is a great, exciting place to live! There is always something to see and do in this growing city. If you’re planning to move to the Charlotte area, or you’re simply just visiting, you will be able to engage in lots of interesting activities. Top Charlotte Agent discusses some of the most unique, fun things you can do in the Charlotte, NC area for people of all ages.

Charlotte Nature Museum

This museum offers a world of learning and fun for both parents and children. It is an amazing experience to walk among hundreds of thousands of free-flying butterflies in the Butterfly Pavilion. You can also enjoy story time with Grandpa Tree or visit Our Big Backyard, an outdoor exhibit designed to educate children about the flora and fauna in the Charlotte area. This museum is both interesting and informative – great for both adults and kids of all ages!

PNC Music Pavilion

PNC Music Pavilion is Charlotte’s open-air music venue that attracts some of the nation’s hottest stars. Here, you can rock out as some of your favorite performers put on spectacular shows under a starry sky. This outdoor amphitheater hosts large concerts ranging from James Taylor to OneRepublic, to Drake and Lil Wayne. Whatever genre of music you are interested it, PNC Music Pavilion caters to it!

Carolina Raptor Center

You are sure to enjoy a tour of the Carolina Raptor Center if you want to check out breeds of birds like hawks or the American Bald Eagle. You can also see what happens behind the scenes when the Raptor center takes in one of these birds to be rehabbed. If you are an animal lover, then this fun excursion will be right up your alley.

Reed Gold Mine

Before the famous gold rush on the West Coast, Charlotte became the site of the nation’s very first rush for gold. Nestled about 27 miles from the city center of Charlotte is Reed Gold Mine, which was the site where a young boy named Conrad Reed accidentally discovered a gold nugget weighing about 17 pounds. You can create your own gold rush by panning for gold at this venue, which is a great activity for kids. If you are a history buff, then this is a must-see in Charlotte, NC!

Whether you’re looking to find a place to call home in the Queen City or are just looking for recommendations for all things Charlotte, we are here to help! Top Charlotte Agent will help you find the home of your dreams in this wonderful and exciting area.

Learn how we can help you today if you’re looking to buy a home in the area!

607 Bubbling Well Rd Matthews, NC 28105

This beautifully set home is on a lot that is private, yet neighborly. Beautiful natural setting, wonderful landscaping and peaceful. This home has so much storage that “abundance” is not even the right word! Closets, cabinets, 7 (well-sized) bedrooms, 2 bonus areas, 2 kitchens, 5 full baths, 3-car garage… what more could you ask for? All of this in a tasteful understated manner. This home has endless possibilities!

http://tour.circlepix.com/home/U3RTC5

Listing Price: $580,000
Address: 607 Bubbling Well Rd
City: Matthews
State: NC
ZIP: 28105
Subdivision: Sardis Grove
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MLS # (if any): 3001575
Square Feet: 6,460
Bedrooms: 7
Bathrooms: 4
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