Charlotte NC Homes For Sale and Mortgages

Many people listen to the media and feel that no one can receive a home mortgage. Please allow your intelligence to be your guide. The media is a medium for distortion and sensationalism.

Contact a mortgage professional and pursue your options. Yes, high risk loans were a foolish creation dictated by our Government. This created a national financial crisis. Mortgage companies, banks and lenders are now making loans that are minimal risk. In reality this is what banks have done since banks began providing mortgages.

Banks are not mints. They are guardians of our combined savings and are supposed to be intelligent stewards of our life savings. They assess risk and intelligently lend out our money and provide us a modest return. They are merely the middle man managing our money. The Government, via the Community Reinvestment Act told the banks to ignore their stewardship responsibilities and that the Federal Government would guarantee the high risk loans. The legislators foolishly are not intelligent enough to understand financial risk and thus the Government created the crisis.

Banks are still making loans but they are requiring sound financial fundamentals. This is the way it is supposed to be. Banks understand that too much debt will ultimately lead to a personal financial crisis.

I have worked with several lenders lately and they are in fact still making loans. Call me today at 704.770.6559 and I can help you contact lenders that are reputable and will help you all along the way to purchasing your new home.

Visit Charlotte NC Homes For Sale Charlotte Real Estate for additional information of our great real estate opportunities.

Charlotte NC Homes For Sale

The Monday night football game has placed the spotlight upon Charlotte Real Estate. Many visitors were surprised and impressed with the quality of life that uptown Charlotte homes have to offer. Uptown Charlotte has man condos for sale in various price ranges. This provides the ultimate in urban life style.

In addition to the condos, many are surprised to find so many of the surrounding neighborhoods with so much potential. Charlotte has many small brick ranch homes within a few miles of center city that have been rentals for many decades. These neighborhoods are ideal for revitalization. many of these communities have already experienced the transformation such as The Arts District AKA NODA, Chantilly, Elizabeth and Dilworth. There are several other neighborhoods with the same potential and just waiting for the next entrepreneurs to apply their magic.

To learn more about Charlotte Homes For Sale visit my website and give me a call at 704.770.6559 today. Your future awaits!

Tega Cay Real Estate

Tega Cay is a fantastic city in South Carolina that is only minutes from Charlotte NC Real Estate. Tega Cay began as a subdivision in the 70's with a unique concept. Tega Cay is built on a peninsula of Lake Wylie and the architecture resembled the Polynesian islands. You will find delightful Tega Cay Homes for Sale to have a contemporary resort feel. There is the 27 hole golf course and driving range, the public country club, tennis courts, several parks, a beach, many ball fields and a marina.

There are many positive features with Tega Cay but one great feature is the diversity of Real Estate. There are multimillion dollar homes with breathtaking water views and many small older homes that are still priced less than $200,000. This is an outdoor community and you will enjoy the walking trails all year round.

Tega Cay eventually out grew the Peninsula and now Tega Cay Real Estate includes area beyond the initial subdivision parameters. These home and subdivisions are newer with a wide variety of options.

How about property taxes and HOA dues. Residents living within Tega Cay are exempt from HOA dues since all of the amenities are/were included within the initial subdivision. Tega Cay and South Carolina Property Taxes are also very reasonable due to the recent change in South Carolina School funding. The South Carolina schools are funded via the lottery and the sales tax. This is a large benefit to home owners and balances out the school funding responsibilities. In addition South Carolina provides a tax benefits to home owners. Investors will pay higher property taxes on their homes. This provides a disincentive for investors and further enhances the value of your Tega Cay Real Estate.

How about the schools? Tega Cay attends the Fort Mill Schools which have some of the highest academics in all of South Carolina. Tega Cay was actually a subdivision within Fort Mill Real Estate prior to the subdivision becoming its own city. You will be pleased with your Tega Cay home and enjoy the resort life style.

Charlotte Real Estate For Sale

What is the state of Charlotte Real Estate investments and how is the market activity? Wachovia created quite a scare but fortunately Wells Fargo will be ideal for the greater Charlotte market.

We also continue to see the Kannapolis Bio Tech Research park expand its operations and this will continue t support the North Charlotte market including Cabarrus County, Concord and Kannapolis Real Estate.

South Carolina continues to grow as the infrastructure expands to support the ever growing demand. Take a drive down Hwy 521 from Ballantyne Homes for Sale and you will readily see what I am referring.

The real estate market has definitely slowed from 2 years ago but the prices remain stable. Homes merely stay on the market longer. Charlotte home owners are not ready to give away their homes. Yes, our demand comes from all across this great nation and the demand is still there. The difficulty remains with current home owners being unable to sell there homes so that they can come and enjoy Charlotte.

Ultimately the people will sell their homes and we will welcome them to our community. Charlotte remains strong and we continue to diversify our economy. Visit Charlotte Real Estate for additional information on all f our great areas to call home.

Charlotte Suburbs

Many people are interested in the growth all around Charlotte and seeking their ideal opportunity. Kannapolis NC Real Estate needs to be a consideration. Kannapolis was a quaint mill town until 2003 when the Pillowtex factory officially went out of business. Since then a complete transformation has taken place to this little town. Kannapolis is located northeast of Charlotte and about a 30 minute drive to uptown. Kannapolis is in Cabarrus County and now is the bio technology headquarters! Dole foods has teamed up with several universities to establish the bio tech center in Kannapolis. The grand opening of the first research center was this week in addition to the latest member to join in, Pepsico! It is incredible to see the continued growth in this area despite the current world economic situation.

If you want to be on the cutting edge of development and bio technology, Homes in Kannapolis is here for you! Learn more about greater Charlotte Real Estate and Charlotte Suburbs and make your move. 2009 is going to be a great year!

Charlotte Relocation and Schools

A huge factor to consider when relocating is the school. You must keep in mind that Charlotte is a growing market. This means the schools have a constant influx of students with a wide variety of education levels. This creates a challenge for t he teacher to get everyone up to the same standard.

What Charlotte Relocation factors should you consider. If you are considering a new home it is likely in an area of Charlotte Real Estate that is still developing. The students will be from all across the nation and it will be quite a challenge to establish the "school norms". The good side of this is that all of the kids are new and more open to creating new friendships.

If you look into a preexisting home or a more developed area, then the schools have been established and the classroom structure will be more standardized. The downside is that the children have already created networks of friends and your child may not fit in all the way for a short period of time. Yes it will vary on the student.

These are just a few of the factors to consider for Charlotte Real Estate. Visit http://www.findmycarolinahome.com for additional information of the greater Charlotte area or call me directly @ 704.770.6559.

Charlotte Real Estate Market Update

The greater Charlotte Real Estate market remains extremely healthy and strong! What? How do you come to that conclusion? It takes an understanding of Charlotte Real Estate and the property opportunities are clear.

The latest report says Charlotte Real Estate depreciated a little over 1% during the past 12 months. That does not sound tragic but this does not make a good real estate investment. Let's break down the Charlotte Real Estate market and then you decide.

Charlotte is a new city and many of the home sales are new homes in new Charlotte neighborhoods. What happened when the government provided home owners with high risk loans? There was a rush of new home buyers that were not ready to be home owners. Many of these people across the nation rushed to Charlotte NC Real Estate. They purchased Charlotte Homes in new neighborhoods and frequently in the lower cost new neighborhoods. These Charlotte Neighborhoods have a high percentage of Charlotte Homes in foreclosure. What do you think is the appreciation in these neighborhoods? These neighborhoods have depreciated and will take some time to recover. What is their appreciation rate? It is negative and worse than the majority of other homes. Yes, these drag down the remainder of Charlotte homes for sale when you look at the overall rates.

There are also some neighborhoods that Charlotte Real Estate investors decided to rehab. What? Yes, there are certain older neighborhoods that investors across the nation took a small quaint Charlotte neighborhood and then changed the market. They increased the size of the homes, added granite, hardwoods, tile and then doubled the price. These neighborhoods experienced a frenzy of excitement but the fundamentals of demand were not sound. The inflated appreciation of these neighborhoods have not done well.

You will also notice that Million dollar Charlotte homes has also taken a hit. Many of these homes were purchased in the excitement of a rapidly growing city and the buyers did not have a sound long term economic strategy. These homes have taken a hit and not selling as rapidly. How does that impact the market? If 100 million dollar homes sold last year during the summer and then only 10 sold this year, the aggregate numbers will show sharp depreciation if the difference of 90 current homes sales are in the $250,000 range as opposed to a million.

In conclusion, you will see that the Charlotte Real Estate market is still very strong and enjoying a nation wide real estate demand. How do you know a good buy? What is a good value and which homes are not? As a Charlotte Real Estate Agent and my firm understanding of the economy we can assure you find a great Charlotte home for you and your family.

Charlotte Foreclosures and Charlotte Short Sales

Many people are hoping to find a deeply discounted home within Charlotte Real Estate. Yes, the sub prime market created havoc throughout the natioanl real estate market. There are many things to learn and ways to recognize real opportunity. The first is to comprehend that every area is different and real estate is ultimately local in nature.

Charlotte is a new city with a lot of large farms (rapidly being purchased by major developers). The developerbuilds the infrastructure and then sells the lots off to large builders. The builders selected a "price point" based on the demand (and cost of the land) in each area. If the area supported million dollar homes, the builder was willing to pay more for the lots. If the area demand would support $100,000 homes, the lots were considerably less expensive. These less expensive developments (in any and each area) typically focused on the local sub prime buyers.

One area in Charlotte may have many sub prime homes in $100,000 Charlotte neighborhoods and another Charlotte Suburb may have many sub prime loans in the range of $200,000. It all depended on the less expensive homes in each given area.  This has created a HUGE opportunity in Charlotte Foreclosures and Charlotte Short Sales!

Yes, there are new home developments in Charlotte with a high percentage of sub prime loans and now short sales. Is this an opportunity? It depends.

The sub prime market was dictated by the government and not lenders. The government persuaded the lenders to bow to their political pressure and make new loans. The lenders have extensive criteria for credit risk analysis and it was based on individual credit risk and credit history. This criteria was ignored for political correctness. The tax payers are now to bear the burden.

Opportunity? The super inflated housing market will clean itself up in time. Yes, it will take several years for eh high risk loans to all fail and real home owners to move into the challenged neighborhoods. These Charlotte Real Estate deals are not for he couch potato American watching TV shows for their real estate mentoring. Remember it is a TV show. TV shows are even more disingenuous than the news media!

These Charlotte Neighborhoods will improve over time. The foolish "get rich quick" investors will lose their investments (consider a social donations) and real owners will once again have neighborhoods reflecting the pride of ownership. This will take several years but in return you will have a strong investment, a safe and friendly neighborhood with shared ambitions and goals.
Learn more about Charlotte Real Estate by visiting http://www.FindMyCarolinaHome.com

Purchasing Charlotte Foreclosures

The first thing to understand about purchasing Charlotte Foreclosures are the various types of foreclosures. Before the actual home is foreclosed upon is called a pre-foreclosure. This means the owner is behind on his payments and the lender has begun the required legal process to begin the foreclosure. This is the beginning as the lender files paperwork at the court house requesting a hearing.

A pre-foreclosure has several forms and several possible end results. The first scenario is when the seller has equity in the home. The higher the equity in the home is less likely for the home to go through foreclosure. The current owner will either catch up on the mortgage or sell the home. If he sells the home, then you can likely get a good deal because the seller knows it must be sold quickly (before the foreclosure proceedings). The caution with this type of purchase is that the seller, since he is having financial difficulties, is likely not maintaining the home.

The next scenario is if the seller has no equity and has no money. This home has not been maintained and now the foreclosure seems inevitable. At this point and time the seller can contact the lender and work out a possible "Short Sale". A short sale is when the bank accepts less than what is actually owed from the current owner. The bank decides if the offer amount is adequate based on their cost savings of the foreclosure, the higher risk of damage and the current market value. There can be great opportunities for deals in this type of purchase.

If the seller still can not sell the home, then the home goes into foreclosure via an auction. The beginning bid is placed by the lender for the amount owed on the home. The bank assumes the vast majority of these homes because in today's world, most foreclosures have no equity.

When a home is purchased via foreclosure, the lender now has an appraisal completed and the home is marketed. These homes are listed by Realtors to effectively market the home.

I hope this information is helpful. For additional information visit Charlotte NC Foreclosures or Charlotte Real Estate and begin your search.

Charlotte Suburbs

Charlotte has many great homes and the homes in Charlotte suburbs are particularly in high demand. Ballantyne is one are that is highly recommended. Ballantyne Real Estate is located in South Charlotte Homes for Sale and provides a country club type of environment.

Weddington and Waxhaw homes are also in high demand. Weddington Homes for Sale and Waxhaw Real Estate are located in Union County just south of Charlotte. Weddington is very popular based on the schools.

Fort Mill SC Real Estate is also a great Charlotte Suburb. Fort Mill is only 10 miles from uptown Charlotte and provides a great opportunity for a real estate investment. Fort Mill has great schools and lower property taxes so it is a win-win situation for the home buyer.

As you are seeking Charlotte Homes for sale, visit http://www.findmycarolinahome.com for additional information on great Charlotte Suburbs.

Charlotte Real Estate Property Taxes

There are a multitude of reasons for people relocating to Charlotte Real Estate. One large factor and concern are property taxes. Many major cities have outrageous property taxes that ultimately hurt your home owners and tax payers. Charlotte is more equitable than that. Charlotte Real Estate Property Taxes are higher than the surrounding areas but taxes are still relatively cheap.

As you consider relocating, you should also consider Fort Mill SC Real Estate. South Carolina recently revamped how their schools are funded. South Carolina Schools are now funded via the sales tax and the lottery. The concerns are that now the state has control of funding (as opposed to each school district). So far the system has worked well and Fort Mill continues to grow rapidly and their school academics are some of the best in the state. Now consider that you are paying lower property taxes for your quality of life.

Charlotte Real Estate does have higher taxes but if you consider he convenience of commuting and amenities, the difference in property tax is not too significant (especially considering the cost of gas).

Regardless of where you choose to call home, the greater Charlotte Real Estate market provides a multitude of options.

Charlote Neighborhoods with Great Appreciation

If you are seeking a great Charlotte neighborhood consider one with great appreciation. You will find that there is a huge demand for Charlotte land. Many builders do not spend their time considering the value of the true location and are simply purchasing the land. Charlotte Real Estate has evolved tremendously and Charlotte builders are buying with hope that the areas will do well. How does a Charlotte Relocation person determine which neighborhoods are going to be great in the future?

If you are a buyer and do not trust your Charlotte Realtor, do additional research. Ask for other developments from the given developer. The appreciation rate in these neighborhoods will provide an idea of what you can expect. Saussey Burbank is one developer that has been very selective in their Charlotte neighborhoods and many of their neighborhoods have had great success.

Look for the amenities. The amenities will attract a certain clientele. The amount of amenities also dictate whether it is family oriented of oriented and what socioeconomic groups will be attracted.

Choose carefully. To learn more about Charlotte Real Estate, visit my website and I will assist.

Charlotte Real Estate Economy

As the sub-prime market further deteriorates, the demographics for cities like Charlotte Real Estate will continue to improve. Charlotte North Carolina is still in great demand but many future residents are on hold. Some were planning to relocate but missed their opportunity until they improve their credit. This will be a challenge for many since they currently reside in an economic environment that is over taxed and hyper inflated.

The new Charlotte migration will be the careful deliberate person that has great credit, a down payment and a good job. This will also dictate a change in demand for the Charlotte Builders and Charlotte Real Estate to adjust for their new clientele.

The investor market will also change. Charlotte Real Estate has had a slow steady growth for many years. Investors rushed in 2 years ago and attempted to distort our market when the rest of the nation was showing signs of illness. They were hoping to create a super inflated market as they had done in other markets.

The problem was they did not comprehend the big picture. They rushed into the lowest dollar homes in an area in hopes of the fast buck. The investors were racing with the most credit challenged people for homes. The mixtures desolated many great Charlotte neighborhoods. Instead of Charlotte Real Estate appreciation, they experienced negative appreciation. Why?

The lower income neighborhoods already had economically challenged home owners. When you add renters, you further diminish the value of the neighborhoods. The investors sabotaged their own investments!

There is hope for investors. There are many foreclosures in economically challenged areas. Those ex-home owners will need a place to stay and will be needing a place to rent. Those neighborhoods will be impacted for another 5 years but you can have positive cash flow as the market recovers.

Visit Charlotte Real Estate to learn more about the real estate industry and the greater Charlotte suburbs.

Charlotte Real Estate Home Buying Tips

Relocating to a new city is very difficult. I hear continual stories of great experiences and nightmares. Purchasing the right Charlotte Real Estate is critical to the stability and success of your family. Do not take your task lightly.

First, overconfidence is the first cause of error. Many people do not realize the importance of a good Charlotte realtor and the need for open and honest information. Yes, it is difficult to open up to a stranger. Call this a necessary evil. I have had many people purchase Charlotte North Carolina Real Estate only later to discover their true concerns.

Be certain your Charlotte Realtor understands your "potential" short term and long term real estate needs. Each Charlotte Relocation decision is critical!  New comers- do not purchase a new home in a new huge development! You are not ready for this level of risk! Will you like the way the Charlotte neighborhood develops? Will the commute be OK? Will your friends and the friends of your children meet your expectations? Are these schools really the ones that are best for your children?

If you are uncertain about any of these answers, be careful. A new home is exciting but the risk is overlooked. If things do not work out (perhaps your spouse will not like construction noise, road debris, dust and dirt in the house for years to come), how long will it take to sell your new Charlotte home? How have the resales been doing in the neighborhood? How much of a loss can you expect?

Before you move, learn more. Charlotte Real Estate is fantastic and so many people love it here. The key to your happiness is the right home with the right advise. Do mot risk your largest investment to an unskilled realtor or a part time person that is trying to make extra money. The happiness of our family is more important than this.

I am a Charlotte Realtor and speak from experience. A good realtor is not a sales person but a business person that looks out for you.

Fort Mill Real Estate

Fort Mill SC Real Estate offers provides the best of all words. If your concerns are for location, price, commute to uptown Charlotte, Taxes or retiree benefits, Fort Mill South Carolina Real Estate is a place you must see.

Fort Mill Homes for Sale are merely 7-9 miles from uptown Charlotte. The schools in Fort Mill are one of the best in all of South Carolina. The schools are funded via the sales tax and the lottery income. This alleviates the home owners of the sole responsibility of funding schools.

The academics in Fort Mill are incredible. Many of the Fort Mill residents own Fort Mill Homes based on negative experience elsewhere.

If you have any questions r concerns, feel free to call of email be at rjwaite1@gmail.com or my website at Charlotte Real Estate.

Charlotte Real Estate & Impact of Gas

Many buyers must now factor another aspect into their Charlotte home choice: the price of gasoline. From a real estate investment perspective, you need to consider the Charlotte Real Estate demands and the real estate trends.

Unlike what you hear admitted by the media, they are inwardly pleased and are hoping that affluent successful citizens will flock back into the cities and fall in line with what the inner city politics. This is not likely.

When purchasing your new Charlotte home, the well being of your family will always be first and foremost. Now you must consider your commute more closely and base your home buying decision on your job. Many companies are figuring it out that they want their positions located near the Charlotte suburbs to attract skilled workers and offer the quality of life that executives desire.

Before you purchase your Charlotte Real Estate, carefully research the areas and ask for guidance. Free advise is frequently offered but very often you get what you pay for. As a Charlotte Buyers' Agent, the home buyer does not pay for the services of a professional realtor. The commission is paid by the seller. No, the seller is not paying the buyers agent; they are paying for a marketing plan that attracts ready, willing and able buyers to their home. In effect, the seller is buying an effective real estate marketing plan.

Charlotte North Carolina offers something for everyone. There is an abundance of opportunity all around. The key is finding your opportunity and the right Charlotte Home for you. The stability of your family is essential. The right home is critical to your stability and happiness. A poor financial decision can take years to recover. A poor choice for your family can have irreparable consequences.

Please choose wisely.

Visit my Charlotte Real Estate website to learn more about the greater Charlotte area including the Charlotte suburbs. We are not looking for my dream home, we are looking for yours.

Marvin NC Real Estate

Marvin North Carolina is still experiencing fantastic growth and attracting the million dollar home owners. In Charlotte Real Estate, the median home price is less than $300,000. This helps place Marvin NC Real Estate in perspective. The best news is that you can still get a good deal in Marvin Homes for Sale. There are some builders willing to take a huge cut on their profit to move their inventory homes. A large custom home takes a year to build. A lot happens to Real Estate in a years time.

Marvin is just south of Ballantyne Real Estate and South Charlotte. Marvin in in Union County NC so you experience a lower real estate tax burden. Marvin Public Schools are still very new (attended Weddington Schools last year) are demonstrating the highest academic expectations.

Visit Marvin Real Estate and developments such as Providence Downs South to gain a perspective of what you can expect.

Tega Cay Real Estate

Tega Cay Homes for Sale offer a unique Charlotte Suburb. Tega Cay began as a small subdivision on peninsula on Lake Wylie. These Lake Wyile Homes offered a different type of lake living. Tega Cay is constructed around a 18 hole public golf course. Tega Cay feels like a vacation resort that is minutes from Charlotte Real Estate. There is a pool, several community ball fields, miles of walking trails, beaches and so much more. The homes in Tega Cay began in the middle 70's and has grown well beyond the initial peninsula. Tega Cay SC now has a Wal Mart in a new shopping center to further enhance the convenience of Tega Cay Real Estate.

Tega Cay residents attend Fort Mill Schools which maintain some of the highest academic scores in South Carolina. York County and Fort Mill has planned for the growth and Tega Cay Real Estate is transforming before our eyes. If you are looking for a Charlotte Suburb, an interactive community you need to visit Tega Cay.

Visit Charlotte Real Estate and Charlotte NC Real Estate for additional information on Charlotte Suburbs.

Lancaster SC Real Estate

As you seek Charlotte Real Estate suburbs, take a drive down NC 521 into SC Real Estate and consider Homes in Lancaster SC. Lancaster South Carolina offers a wide variety of homes but the greatest opportunity is in Fort Mill Real Estate. Fort Mill Homes are technically located in York County SC but Lancaster County Real Estate offers fantastic homes also. This area is also known as Indian Land Real Estate. Lancaster SC is located just south of homes in Ballantyne and South Charlotte Real Estate. The Carolina Lakes at Sun City is the largest subdivision so far but the Firethorne Country Club is also spilling over from South Charlotte Real Estate. Enjoy the tax benefits of SC Real Estate and located 5 minutes from the Ballantyne Real Estate shopping venues.

Visit Charlotte NC Real Estate and Charlotte Real Estate for additional valuable information.

Charlotte Real Estate-The Big Picture

What does the future have in store for Charlotte Real Estate? Ultimately, Charlotte homes will continue to expand and the demand for Charlotte property will grow outward. How can I say this? Follow the money.

Charlotte Real Estate is surrounded by solid economics, geography and weather. Charlotte Real Estate is close enough to the ocean to have a nice weekend at the beach and Charlotte homes are close enough to the mountains to enjoy the a weekend retreat. So what else?

Bank of America and Wachovia have their headquarters in Charlotte NC. Follow the money. Take a tour to uptown Charlotte and you will be astounded at the astonishing growth of home in uptown Charlotte. There is new construction everywhere and the skyline is filled with construction cranes are lined with cranes. Yes, Charlotte is not a large city today; watch closely and you will see Charlotte Real Estate transform before your eyes.

Why Charlotte? The baby boomers in the north east were all dreaming of their Florida retirement. The bad hurricane season has forever altered the picture. Taxes, HOA and Insurance sky rocketed and extinguished their hyper inflated market. Charlotte will rarely experience a hurricane (one did make landfall in 1989) since it is several hours inland. Since Charlotte Real Estate is safe from these natural disasters, Charlotte homes will be the preferred destination of the baby boomers.

Location: Charlotte Real Estate also provides access to the north east in a days drive. If there is a family event in New York, you can always drive there in a day (unlike Florida).

Transportation: Charlotte Real Estate has the luxury of Charlotte Douglas International airport and the US Airways hub. There are hundreds of direct flights out of Charlotte every day. This supports the Charlotte Real Estate market and further enhances your life style.

Charlotte has a professional football team, a professional basketball team, a white water center, racing and so much more. What are you waiting for? Pack your bags and lets find your new home.

Visit Charlotte Real Estate to learn more about Charlotte and our great Charlotte Suburbs.

The Demand For Charlotte Real Estate: Boom or Bust?

Many home owners across the nation are nervous about purchasing a new Charlotte Home. They are paranoid that Charlotte Real Estate will follow the rest of the nation and values will fall. There are many very simple economic facts that determine Real Estate Value and Real Estate demand. After the hurricanes hit Florida, the Florida Real Estate market began to fall. Florida had sound economics; baby boomers were just beginning to retire, taxes were reasonable and the north east retirees were buying. After the Hurricanes, taxes, Home Owners Association dues and insurance more than doubled. This has crippled the Florida Home Values and this will not recover. The government (taxes), the HOA and Insurance Companies lost big as a result of the Hurricanes. Can any business afford to set themselves up for a loss like that again? If they do, they will be out of business. Invest your money in Charlotte Real Estate.

The baby boomers are now seeking Charlotte Real Estate from the Northeast, Florida and out west. The areas around the nation loosing population will continue losing home values and Charlotte NC Real Estate will continue to flourish. The best time to purchase a Charlotte Homes is now before the appreciation picks back up. Will the Charlotte demand continue? Hmmm? Will the northeast still have winter? Will Florida still get blazing hot and humid summers? That should answer the question. Visit Charlotte Real Estate and Charlotte Homes for Sale to gain additional insight into the Charlotte Real Estate market and to view all of the current Charlotte Real Estate Listings.

Charlotte Real Estate Market

Charlotte Real Estate: Is now the time to buy? Many people are still wondering if they should relocate with Charlotte Real Estate and if they can get a good deal on Charlotte Homes. Real Estate prices are based on demand. Houses in Charlotte still have strong demand and Charlotte Real Estate continue to sell. The market has slowed since the "high risk" loans began going into default. Can you purchase some Charlotte Homes for less than they sold 2 years ago? The answer is yes if you buy in an area of weak demand. The problem with your Charlotte home purchase will be that the Charlotte Real Estate in this neighborhood has weak demand for a reason. The media then accelerated the Real Estate crisis by blowing it out of proportion. This has hurt the entire nation since it has made secure home buyers nervous.

A wise investor purchases a home in a secure area, with stable Real Estate factors and positive "known" factors that dictate the likely appreciation of your new Charlotte Real Estate. How are the schools? How are the schools trending? Is this a trend you desire? How about local construction? What local construction aids your Charlotte home value and what harms your Charlotte Real Estate Investment? As your Charlotte Re/Max Agent, I look out for you and your family.

Homes in Charlotte Suburbs

What are Charlotte suburbs and how do they compare. There is a lot of misinformation about Charlotte Real Estate and the true Charlotte suburbs. First you must realize that all of Charlotte and Mecklenburg County attends the same schools. There are no suburb schools in Mecklenburg County. This includes Cornelius, Davidson, Huntersville, Matthews, Pineville and Mint Hill; they all attend the CMS (Charlotte Mecklenburg Schools). The schools system does vary around the city but CMS has done a good job at balancing/districting the schools to add balance.

Many consider suburbs to be the schools outside of CMS control. There are many surrounding counties that provide a wide array of options. Union County is to the South and Southeast of Charlotte and Union County Schools have a very good academic record. Visit Weddington Real Estate, Marvin Real Estate, Wesley Chapel Real Estate and Waxhaw Real Estate to gain a better understanding of Union County Homes.

Cabarrus County is to the North/Northeast of Charlotte Real Estate and some of the homes are in Concord Real Estate, Harrisburg Real Estate and Kannapolis Real Estate.

The South/Southwest of Charlotte is South Carolina with Lancaster County Homes for Sale and York County. Visit Fort Mill Real Estate, Tega Cay Real Estate and Indianland to get a feel for South Carolina Real Estate.

These are just a few options and I hope this helps. For additional information visit:

Charlotte Real Estate
Charlotte Homes for Sale

Charlotte Economic Health

Many people across the country are nervous about the economy and pausing prior to purchasing their next Charlotte home. The nation is in the midst of a housing slump. According to the latest figures, Charlotte Homes is the only major city that actually appreciated over the past 12 months. So has Charlotte Real Estate been impacted?

Yes, Charlotte has been impacted. Since the government pushed for lenders to ease lending requirements, millions of home buyers were welcomed into home ownership. This worked great in theory but many of the high risk (AKA Sub Prime Loans) were exactly that-High Risk. The High Risk Loans are placing a huge strain on many new home owners. This is known as unintended consequences that frequently occur when proven cautions are over ridden.

The public will be better served if the government spends the energy in educational classes for home owners and credit repair/credit building. You can not build a new home on an ill prepared foundation. Nor can you push home ownership without an equally strong foundation.

Ultimately, tens of thousands of people are relocating to Charlotte. The goals and dreams of our citizens have not changed. The quality of life in Charlotte is tremendous. Houses in Charlotte are still appreciating and we welcome you into our town and wish you the best for your Charlotte Real Estate objectives.

Visit Charlotte Homes to learn more about our area.

Homes in Charlotte

Homes in Charlotte continue to sell and the climate is a huge factor. February is the time of year when the largest contrast is noted. The northeastern US is in the middle of winter and Charlotte is into spring. Charlotte real estate is in full bloom with trees flowering and flowers blooming. The contrast is so stark that it is hard to imagine that we are only a few hundred miles south.

The best deals continue to be builder inventory but the deals are about to end. In the Charlotte Real Estate market, this is the time of year that builders would be going full steam ahead. The objective was to have as many inventory homes completed in spring as possible. Reason?

Many people relocating to Charlotte wanted new homes but did not have 4 months to wait for a new home to be built. Builders would have an inventory of new Charlotte homes prepared for those buyers. Due to the past several months of buyers financing difficulties, the builders are not building "spec homes". The only Charlotte Homes available for "quick move in" will be on homes where financing falls through.

What does this mean for you? There are still some great deals available to the person with good credit. I received a call from Wachovia this week stating they do have a loan program for 100% financing with a credit score of 620. This is one of the few programs still remaining with this credit score. "IF" you fit this criteria and are assured you can make your payments, then I would recommend that you do not purchase a "to be built" home expecting this program to last.

The cause of the crisis was the government loosening up on the financial criteria for a loan. The pendulum will swing back to a more stable area. I do not suspect the home buying criteria to be as stringent as back in the 90's but is will settle somewhere in between.

Ultimately, Charlotte is still a great place to own a home and a great place live. Visit Charlotte Homes For Sale for more in depth analysis of the greater Charlotte region including Ballantyne Homes for Sale, Fort Mill Real Estate, Matthews Homes for Sale, Tega Cay Homes for Sale to Kannapolis Real Estate.

Commercial Real Estate in North Carolina

How do you gage an economy? A good means to gage the Charlotte North Carolina Real Estate market is to study the commercial real estate. Charlotte Real Estate is growing at an exponential rate as noted in the time frame and distanaces between various commercial developments. Take a look at South Charlotte Real Estate. The growht began 15 years ago at the Arboretum Shopping center. Seven years later, the Promenade opened 4 miles down the road. In the past 5 to seven years the Real Estate in South Charlotte is growing at a phenomianl rate. Trader jacks opened on Rea rd at Piper Glen. Two miles down the road is Stone Crest at Piper Glen with Target and a wide variety of affluent shoping opportunities. Two miles to the west is Ballantyne and two miles further west is the Carolina Place Mall. Travel south on Rea rd and in two miles you find the Blakeney shops. This is at the intersection of Ardrey Kell and Rea Rd. In the past 2 years the northwest and southwest corners of the intersection are near completion. The southeast corner has a new Charlotte Apartment subdivision that is due to open. The northeast corner of this intersection is now being developed for additional commercial Charlotte Real Estate.

There is a another new commercial Real Estate development 2 miles west on Ardrey Kell that began opening in 2008. There is a new Peak Fitness Center, an activity center, a Charlotte Recreational Park, a Harris Teeter, a new Elementary School in addition to many other stores and shops.

This is a great gage for the Charlotte North Carolina Real Estate economy. Charlotte Homes continue to thrive and the demand for Charlotte Real Estate wins the popularity nation wide. Hold on tight because Charlotte Real Estate will grow and continue being the location of choice.

Fort Mill Real Estate

Fort Mill Real Estate continues to expand and provide national appeal. Freightliner is in process of relocating positions to Fort Mill Real Estate from Oregon. The greater Charlotte North Carolina Real Estate Market remains firm due to the attraction of diverse businesses and affordable homes in Charlotte North Carolina. Fort Mill home for Sale enjoy a town with an outstanding reputation for accademic excellence. Theere is also resonably convenient shopping at the Carolina Place Mall in Pineville. This is just a short drive from homes in Fort Mill. As Fort Mill SC Real Estate expands, shopping will follow.

Fort Mill Real Estate is only ten miles from downtown Charlotte and you can still enjoy the benefits of living in the city as a great alternative to Charlotte NC Real Estate.

Visit: Charlotte North Carolina Real Estate to learn more about our areas and our growth.

South Charlotte Real Estate

As the rest of the nation is experiencing a Real Estate melt down, Charlotte NC Real Estate continues to flourish. As you explore our expanding areas, you owe it to yourself to visit South Charlotte Real Estate. What is considered South Charlotte Real Estate?

South Charlotte is basically the entire pie shaped corridor from uptown Charlotte to the end of Mecklenburg County (Charlotte Real Estate is in Mecklenburg County). The areas just south of town are Dilworth and Myers Park. The Myers Park Real Estate has always been very affluent and prestigious. It is known for its wide winding roads and large tree canopies. Dilworth has been recently renovated and the homes in Dilworth maintain a great value.

Further South you enter into Southpark Real Estate. This is an older area that has gained a lot of value over the past 15 years. There are many white collar corporate offices within Southpark and this has influenced the trends of Southpark homes. In addition to the Southpark corporate offices, Southpark Real Estate also enjoys the upscale Southpark Mall.

As you continue your southward trend you discover Carmel Country Club, Piper Glen and then Ballantyne. The greater Ballantyne Real Estate area has basically extended to the southern border on Charlotte and Mecklenburg County.  Each of these areas offer golfing, shopping and affluence to impress the most successful among us. South Charlotte has expanded well beyond the confines of these larger neighborhoods and the prosperity reigns throughout the southern corridor. Travel Ardrey Kell rd and you will fell the growth first hand. The shopping center at Rea and Ardrey Kell is almost a year old and now a newer shopping area is due to open this year at Johnston and Ardrey Kell. On the south side of Ardrey Kell (between Johnston and Marvin rds) has a new Peak Fitness Center, the 521 Recreational Complex and a new Elementary School will be opening in 08.

The cause of the national Real Estate decline is also being driven from people relocating to Charlotte Real Estate. Come see for yourself.

Charlotte North Carolina Real Estate Growth

What are the job opportunities in Charlotte? Charlotte Real Estate has a diverse economy but there are several large players within the Charlotte North Carolina Real Estate Community. First and foremost is banking. Charlotte is the 2nd largest banking community in the entire USA! Follow the money! Both Wachovia and Bank of America are headquartered in Charlotte. Wachovia is buying out Countrywide Mortgage which will further strengthen Charlotte Real Estate in the global economy.

Lowes Motor Speedway and Nascar provide a lot of economic power to our region. Charlotte Real Estate is enhanced by the Nascar race teams that surround our area which includes the popular Concord NC Real Estate area.

Kannapolis Real Estate is changing dramatically due to the new high tech bio research park being developed. This research park will employ thousands of people and turn this blue collar town into a thriving white collar community. The research park will open in 2008. The time to purchase Kannapolis Real Estate and Kannapolis land is now!

Charlotte North Carolina Real Estate has something to offer everyone. Visit Charlotte North Carolina Real Estate to learn more about our great and growing area.

Kannapolis Real Estate

Most people have gotten the word that just northeast of Charlotte North Carolina Real Estate will be the Kannapolis Bio-tech Research Park. This state of the are scientific development center will be in Cabarrus County in the city of Kannapolis. Kannapolis was a small mill town with the Pillowtex Textile mill. That closed down a few years ago and Kannapolis would have fallen on hard economic times. Fortunately, Kannapolis is just 35 minutes to Charlotte and Robert Murdock moved in an made the Kannapolis Real Estate disaster into a huge gain. Kannapolis Real Estate consisted of many nice small "cottage style" homes throughout this working class city.

Now enter the Bio-Tech Research park. This sleepy little mill town will quickly transform into a white collar town with a projected 30,000 jobs for the research park. Now expand this to all of the supporting shops and restaurants! There are very few high end real estate developments close by but one is Wellington Estates. Wellington Estates is just 5 miles from the research park with custom brick homes. This is just the tip of the iceberg in the area. The time to buy up Kannapolis property is passing you by.

Charlotte Homes For Sale

How is the Charlotte Real Estate economy? It is still doing very well. The holiday season has just passed and things are continuing strong. Charlotte North Carolina Real Estate values appreciated 4% last year while the vast majority of the country lost money. Our resale homes are still selling for about 97% of the list price and it is still a good buy.

Visit Charlotte NC Real Estate to learn more about the greater Charlotte Real Estate Listings.