FSBO INCENTIVES: 12 Contract Options That Entice Buyers | Wilmington NC real estate

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Wrightsville Beach NC www.cbbaker.com If you’re selling in today’s Wilmington NC real estate  market, you want to make your house outshine the competition. Buyers are most likely to choose your house if it offers something special. Here are 12 ways to make sure you land a “Sale, Sweet Sale.”  # www.wilmingtonnc-realestate.com

 A Spoonful Of Sugar

1. Offer a warranty.

Purchase a buyer’s home warranty to protect against future problems.

2. Help with closing costs.

Cash-poor buyers concerned more with out-of-pocket costs than monthly payments will especially appreciate this one.

3. Consider financing help.

Provide seller financing or buy down the buyer’s mortgage rate for the first year.

4. Help with utilities.

Pay some or all estimated utilities for 6 or 12 months.

5. Help with fees.

Pay a year’s condominium or homeowners association fees.

6. Pre-pay memberships.

Buy a one-year pool or community golf club membership, cable TV subscription, or other recreational activity.

7. Consider a moving allowance.

Pay the buyer’s documented moving expenses, or provide an allowance toward moving costs.

8. Treat them to window treatments.

Offer redecorating cash for new carpet or drapes.

9. Mow down any objections.

Buy a lawn-maintenance service for a year, or offer a riding mower if the lot is large.

10. Give them a dock on the bay.

If you live in a waterfront community, offer to rent a boat slip for a year.

11. Reimburse buyer the cost of points.

{short description of image} This is often a double benefit for buyers, who save both on the points themselves and on their federal taxes. The IRS now allows buyers to deduct the cost of seller-paid points as a Schedule A mortgage expense.

12. Price your home below comparable properties.

Prove your home’s good value by having an appraisal done and setting the price below the appraised amount.

Call on us for more ideas of ways to make your home the sweetest one on the market. We’ll create a customized marketing program to help get your home sold in any market!

Let us know if we can help.  www.cbbaker.com

Categories: FSBO 101, Sell your home, volunteer in wilmington NC, Waterfront Wilmington NC, waterfront wrightsville beach, wilmington nc real estate, wilmington real estate stats

MOVE UP: 4 Smart Strategies For Purchasing Your Next Home

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kingarthur3If you’ve decided it’s time to move up to a bigger home, a better home or a home in a more coveted area, your next challenge will be getting there financially. It’s likely you’ll need more cash, a larger income and, perhaps, better credit than you had when you purchased your current home. Putting all the pieces in place for the move up could take some time and detailed planning. Here are some ideas when buying Wilmington NC real estate.

1. Credit Clean-Up

Although your credit rating may have been sterling as a first-time home buyer, years of credit-card and utility accounts, car payments and consumer loans may have scuffed up that financial image a bit. Late or missed payments have a negative effect on your credit profile, as do large, long-term balances on your accounts. Your credit score, a rating system many lenders use to evaluate your financial situation, may prevent you from borrowing as much as you’d like for your next home or getting the lowest interest rate currently available.

The wise move-up buyer will take stock of his or her credit standing and debt status well before attempting the next home purchase. You may need some time to reduce your debt, catch up on any delinquent accounts, remove inaccuracies and blemishes from credit reports and make other adjustments to increase your credit score.

2. Loan Shopping

A quick way to sift through these issues is to contact a lender who can pull a credit report to see if there are any glaring spots on your record. If nothing needs immediate attention, you can continue on with a complete application, providing the financial information needed for loan pre-approval. The loan officer will determine the maximum loan amount you qualify for based on your income and debt profile.

You may want to shop around at this point, comparing loan programs and interest rates. Consider how well your current loan has worked for you and remember that rates aren’t everything. The lowest rate may be accompanied by high points. If so, you’ll have to keep the mortgage long enough to justify paying the steep up-front cost of the loan.

Consider whether a non-traditional mortgage program could meet your needs. An adjustable-rate mortgage may be a good choice if it looks as though interest rates will be falling. A 40-year mortgage might reduce the monthly payment enough so you qualify for a larger loan.

3. Collecting Cash

An important factor in the equation that determines your buying power will be how much cash you have for a down payment and closing costs. The best mortgage interest rates are available to buyers with down payments of 20% or more. If you make a smaller down payment, you may have to take a higher interest rate or pay for private mortgage insurance, both of which will reduce your buying power.

Unless you’re a prodigious saver, chances are the equity you have in your current home will provide the largest source of cash for your next home purchase. Equity, of course, is the difference between the market value of the home and the balance on any mortgages secured by the home.

We would be happy to conduct a comparative analysis of your home to determine the right sales price — at no obligation to you, of course. By determining the value of your home and subtracting out selling costs (paying off the old mortgage, marketing fees and settlement expenses), you’ll have the basis for a down payment on your move-up property.

4. Fine Tuning

After taking stock of your financial situation, you may find it necessary to delay your move in order to get the type of home you’ve targeted. Perhaps you need to save more cash for down payment and settlement costs. You may need to pay down outstanding debts to improve your credit score and qualify for a larger mortgage or a lower interest rate. Remember, it’s likely your home’s value and your equity in it will continue to grow as you get yourself in a position to move up successfully.

Categories: Move Up Homes, Waterfront Wilmington NC, waterfront wrightsville beach, wilmington nc real estate, wilmington nc relocation

DYI or Hire a Professional | Wilmington NC real estate

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homeplansMost homeowners have a list of things they would like to do to change and improve their homes. But moving those plans off the list and into reality is often prevented by costs, especially for labor. That’s why so many homeowners have adopted the “do-it-yourself” approach. Should you?

Don’t think you have to be an expert in masonry, carpentry, plumbing and electrical work to make your own home improvements. You can get help from books, magazines, videos, the Internet, or you could take a class with hands-on instruction. A bonus: When you learn to remodel, you’ll become a better maintenance person, saving yourself future repair costs.

If you’re just developing your handyperson skills, here are a few tips for getting the job done right at a cost savings:

Start with modest projects,

especially those with low materials costs (e.g., painting). That way you can afford to redo the project if your first attempt isn’t quite up to snuff.

Research and plan before diving in.

Get the training you need or talk with experts, then outline each step of the process on paper.

Buy, borrow or rent the proper tools.

Having the right tools when you need them is critical to doing any job efficiently and well.

If you lack the skills, patience or time to do the entire project, just do part of it.

You can ask contractors for bids that list the cost of each phase of the project, from preparation to finishing, plus materials. You may be able to save a lot by knocking down a wall yourself, removing old flooring or painting a newly installed wall.

Work with the professionals.

By becoming one of the “crew,” you can cut the overall cost of the project and learn a lot in the process.

    Let us know if we can help. www.cbbaker.com or kaybakerassociates@ec.rr.com

 

Categories: DYI Home Improvement, waterfront wrightsville beach, Wilmington NC homes, Wilmington NC Neighborhoods, wilmington real estate stats, Wrightsville Beach NC

Are there any inside tips on down payments for first-time buyers?

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Folks who are new to the home-shopping world need more than just good luck. You should, of course, save all you can for closing costs and a down payment. For further help:

  • Revisit your “wish list”

Reconsider what you’re looking for in a first home. Find out what you can afford now, and consider buying a starter home that requires a small down payment with the idea of moving up in a few years.

  • Take advantage of special programs

Look into special low- and no-down payment programs like loans guaranteed by the Department of Veterans Affairs (VA) and Federal Housing Administration (FHA). Some areas also have local programs for low- and moderate-income families or first-time buyers, offering lower interest rates or down payments.

  • Gather gifts

Check with parents and relatives for monetary gifts that can go toward a down payment or closing costs. A 20% down payment can dramatically cut monthly costs and eliminate monthly mortgage insurance premiums.

  • Consider “sweat equity”

If you can fix up a home that’s in poor condition, you increase the value of your investment faster. Ask us about special combination loans that provide fix-up funds as well as purchase money.

  • Scour market for bargains

Call on us to research foreclosure properties, housing auctions and other homes available at below-market costs.

Want to know more? Click on “Ask Your Own Questions” or call or e-mail us today with questions of your own. We can tell you how much house you can afford, and we can help you get into your first home.

Categories: first time home buyers, Waterfront Wilmington NC, waterfront wrightsville beach, wilmington real estate stats

Spring! A Great Time To Move | Best Move Options

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BEST MOVES
More Options Abound For Today’s Homebuyers And Sellers

In this Wilmington NC spring market, making a move may be easier than ever before. Thanks to improvements in the real estate market, employment options, housing choices and personal finances, more people today are moving to where they want to live, not where they have to live.

In fact, moving today is easier than you think. Wilmington NC real estate sellers are finding their priced-right homes selling, allowing them the freedom to relocate down the street, to the other side of town, across the country or around the world. Plenty of buyers are out there right now, taking advantage of our springtime temperatures and increased inventory. Many want to start their new life in a new home by the beginning of summer.

What’s moving today’s buyers? Job situations for many have changed for the better. (As always, employment is a major factor driving home sales.) One reason is that more and more people are working from home, and breadwinners are less tied to living near work. Now they have the flexibility to move to where their family wants to be located, where their favorite activities are based (think sports, outdoor opportunities), and where they have relatives and friends.

Don’t miss out. If it’s time for you to make a move, now is a great time. Keep reading to learn how to make the best move to a location that is the best for you!

What Comes First?

If you’re going to move, get your home ready for sale first. We can assist you with that task, helping you create a to-do list to attend to little things that buyers notice. Plus, nail down must-do bigger items that need attention before your home goes up for sale. Although some sellers don’t care to attend to these items, to get the best price for your home, it’s important to make your home an attractive, move-in-ready property.

BEST MOVE:

Take time to thoroughly go through your home and highlight any issues that a buyer’s inspection may later find. It is wise to remedy any problems before the home goes on the market. Additionally, we can advise you whether a home warranty would help make your home desirable to the greatest number of homebuyers.


BEST MOVE:

Bring in a home stager to make your home as close as possible to looking like a model home. Home stagers do a great job of using what you own to make your home’s spaces look friendly, usable and roomy for potential buyers.


BEST MOVE:

It’s often best to sell your home first, while you look but before you buy in your new location. This isn’t a hard and fast rule, but it allows you to know exactly how much money you have available to buy your next home. Shop while your home is for sale, and if you find that perfect home, consult with your mortgage lender to see if you can make the move financially before selling your current home. A bridge loan may help get you there.

Where Are You Going?

If you’re still deciding where you’re going to move to once you sell your home, you need to do some research…pronto. To judge places to live, it’s wise to visit multiple times to dig into the area, understand transportation and education options, the employment situation, housing types and costs, and true cost of living.

BEST MOVE:

Even if you’ve lived in a specific location before and want to move back, realize that time changes things. It’s still ideal to visit the area and confirm your move choice.Take time to research and make sure the move is a good fit for you—and your entire family. Yes, you can always move again, but as you know, it does require time and money to pick up again if you find you aren’t happy with your new location.We know our area well. We can advise you about the types of homes available here and their price ranges. We can guide you to local information that provides reliable details on schools, shopping, transportation, entertainment, outdoor space, you name it.

If you are moving out of our area, we can connect you with a top-quality real estate professional in your new location to assist you in not only getting the home you want there, but the information you need to make an informed housing decision.Some online help is always valuable. Check out websites that provide school information, walkability, traffic and crime reports, etc. Many sites provide the information for free, but some require subscriptions to view details. Remember, we can help you with finding specific details on our local area—just ask.

How To Whittle Down?

If you’re making a move to improve your situation, you want to move with only what matters most to you and your family. Before you put your home up for sale, it’s important to start going through your belongings and categorizing what is most important to keep.

Create areas to collect giveaway items (for charities, friends, family, etc.) while you evaluate your belongings.

If you have items of value you want to sell, start early and don’t underestimate the amount of time needed to sell items online, through garage sale(s), auction or classified sites or even through nearby newspaper classifieds. Have a plan in place for items that don’t sell.

Decluttering can uncover a lot of stuff you didn’t know you had, but still want. Box up items that you currently don’t have room for and store them off-site, either at a friend’s or family member’s home or in a rental storage unit.

BEST MOVE:

When boxing up items for off-site storage, be sure to pack them well the first time. When you’re ready to move with them, you won’t have to open and repack everything to safely survive a longer move.


BEST MOVE:

If you are likely to replace large/heavy items, such as appliances, a dining room set, couch or bedroom set, shortly upon arrival at your new residence, you may want to sell or give these items away before you move to cut down on the hassle and expense of moving them. Look for a local charity that helps homeless and disadvantaged families.

 

 

Categories: waterfront wrightsville beach, wilmington beach homes, wilmington nc, Wilmington NC homes, Wilmington NC Market Statistics, Wilmington NC Neighborhoods, wilmington nc relocation, Wrightsville Beach NC

Miliken Report : Wilmington NC Ranks High In Report For Economic Productivity

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Wrightsville Beach NC www.cbbaker.com www.WilmingtonNC-realestate.com

Wilmington NC makes another list!  The 2013 Miliken report just released that our great town ranks high in report for economic productivity.  We jumped ahead 37 spots above last years report.  We are at an overall rank of 77.

 

For full report please visit

http://www.best-cities.org/bestcities.taf?rankyear=2013&type=Large-cities&metro=MWIM

To learn more about Wilmington NC and it’s people, please visit www.WilmingtonNC-realestate.com

We love to show off….especially when it comes to the people who live here. We invite you to visit and would love to greet you with Southern hospitality at it’s finest.

 

Categories: Waterfront Wilmington NC, waterfront wrightsville beach, wilmington beach homes, Wilmington NC homes, Wilmington NC makes top towns 2014, wilmington nc miliken report, wilmington nc real estate, wilmington nc relocation, wilmington real estate stats, Wrightsville Beach NC

TAME YOUR TAXES Take Advantage Of All The Tax Breaks Your Home Provides

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TAME YOUR TAXES

www.WilmingtonNC-realestate.com

9f90493ef94d2a0916c5e4f14c930df9With the New Year upon us and tax season off and running, it’s time again to devote our newsletter to various tax issues that concern homeowners — whether you own now, recently owned a home or are looking forward to becoming a homeowner. Homeownership still carries some of the best tax advantages available. And make no mistake: Homeownership is all about advantages — for your long-term financial wealth as well as for your housing security, your commitment to community, and your freedom to create on a canvas of walls, floors and landscape.

As you know, tax rules are constantly changing. Unfortunately, a few tax breaks disappeared at the end of 2013 for 2014, but you’ll still want to take advantage of them — if you qualify — on your 2013 federal return, due April 15. Some other tax breaks were modified (see inside), affecting your 2013 return and beyond. The good news is most home-related tax deductions remain as they have been for years. We’ll remind you about them in this issue.

As of this writing, Congress is still wrestling with budget and spending issues that might introduce further changes to home-related tax breaks. If changes occur, we’ll be sure to update you in future issues of our newsletter.

Because of possible changes and since we can’t include every detail in this newsletter about every tax rule that affects every homeowner, be sure to consult the IRS at their website — www.IRS.gov — or at the toll-free IRS tax-assistance line — (800) 829-1040. Other resources for today’s filers are a range of excellent tax-software programs that can guide you, step by step, through your tax return. Of course, having a good tax advisor on your speed dial never hurts (though you may have more trouble getting their attention the closer you get to April 15).

Wishing you many happy deductions!

 

BUYER PERK


Deducting Loan Discount Points

 

For home buyers, deductible expenses include settlement charges for loan discount points. Deductible points are upfront charges for the use of money; think of it as prepaid interest. One point equals 1% of the loan amount. Points paid by either the buyer or seller can be deducted by the buyer for the tax year of the purchase. (Although some closing service fees are quoted as “points,” they are not deductible.) If you purchased a home in 2013, you’ll receive IRS Form 1098 from your lender/loan servicer detailing any points you or the seller paid for your home purchase.

If you paid discount points to refinance your home, you may not deduct them in full during the tax-year of the refinancing. Instead, you must prorate the deduction over the life of the loan. So $3,000 in points paid for a 15-year-term refinancing would equal a deduction of $200 per year ($3,000 ÷ 15 = $200) — unless the home is sold before the end of the loan term or refinanced with another lender, at which time all remaining points can be deducted on that year’s return.

See IRS Pub. 936, Home Mortgage Interest Deduction.

For more information, please visit wwww.cbbaker.com

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Categories: #Taxes, waterfront wrightsville beach, wilmington nc real estate

Tips On What To Do IF Your Home Isn’t Selling | Wilmington NC real estate

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lv2

What to do if your home isn’t selling……

  Whether you’re in a bone-dry market or a sizzling selling season, if you haven’t received any offers on your home you’re probably facing the question of what to do.  A house that goes too long without selling begins to appear “stale” and can actually damage your future chances of a sale.

In Wilmington NC, how long is too long? It’s not an exact science, but there are some helpful indicators. In a dry market, a sales period of six months to one year isn’t unusual. Look at recent sales reports of similar homes nearby to determine a reasonable selling interval. In a hot seller’s market, a house that hasn’t sold within one month indicates a problem. In either case, there are several steps you can take before putting up the white flag.

Tips to improve your selling karma

  • Videotape your house, inside and out, and watch the tape as if you were a prospective buyer. Is the lawn weedy or the garden bare? Is your home uncluttered and spotlessly scrubbed? Sparkling-clean houses sell faster than those that look too lived-in or show an abundance of the owner’s personality.
  • Take a second look at your listing price. Visit open houses in your neighborhood. Are similar homes priced lower? Selling prices may have dropped since your first comparative market analysis. If you haven’t sold your home within one month, chances are good that you’ve overpriced it. If you do lower your asking price, consider a figure slightly below those of other comparable homes if you are interested in a speedy sale.
  • Do whatever it takes to be away from your home during showings and open houses. The presence of sellers makes it difficult for prospective buyers to take their time or talk openly with their partner and agent. Leave some treats out to make potential buyers more comfortable: beverages, nuts, cookies — anything that won’t lose freshness or be too messy.
  • Pay close attention to feedback from showings. The feedback can guide you in making home repairs, toning down your décor, making landscaping improvements and the like.
  • You can offer perks to buyers, such as a cash bonus, closing costs or buy down the interest rate to lower monthly payments. You could also consider creative owner financing.
  • Neutralize your color scheme. Most buyers prefer pale, neutral colors that make it easier to imagine a new home as their own. Houses with white exteriors are the highest sellers; for interiors, try whites, off-whites or pale grays.
  • Expose hardwood floors and buff them until they shine. It’s amazing how many buyers will not even look at a house without hardwood floors.
  • If you have dogs, cats, old carpeting, mildew or smoke problems chances are that a potential buyer may be offended by the odor. Ventilate the home and invest in an air-cleaning and deodorizing product to remove odors. Another option is a cleaning product with living enzymes that consume the odor causing agents and remove the smell permanently.
  • Staging your home is one of the very best ways to sell your home the quickest and for top dollar. Staging sets the scene throughout the home to create immediate buyer interest in the property. The way you live in your home and the way you sell your house are two different things. One idea is to pack up several large pieces of furniture and as much clutter in each room as possible. Don’t just shift to another room or garage- rent storage space and get it out of the house before showing.
  • Pay attention to lighting. Make sure light sources are clean. Cleaning them isn’t enjoyable, but the sparkling lighting will pay off. You may even increase the brightness factor of your rooms by adding brighter bulbs, or by placing accent lamps or cabinet lighting. Be sure and pull back the curtains and lift the blinds. For the best effect, use a balance of natural, overhead, and table or floor lighting
  • Try readjusting your sights. Determine the lowest price you find acceptable, and consider anything more as icing on the cake. In a longstanding dry market you may even have to sell at a loss, so it’s important to take every offer seriously. You don’t want to alienate a potential buyer who has solid financing because you’ve set your sights unrealistically high.
  • If the market is underwater, consider offering an increased commission or a bonus for your listing agent as extra incentive. If you do sweeten the pot for your agent, amend your listing contract to reflect the change, and be sure it’s added to the Multiple Listing Service (MLS)  — buyer agents will also be inspired to give your house extra attention.

For more information or to search Wilmington NC real estate, please visit our site www.cbaker.com

 

 

 

 

Categories: Home Selling, Mortgages, New Hanover county shcools, Waterfront Wilmington NC, waterfront wrightsville beach, wilmington nc real estate

Wilmington NC Waterfront / View Real Estate from $83,900

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$89,900
1 Bed
1 Full Bath
0 Half Baths
                  www.WilmingtonNC-realestate.com

A Rental Machine $$ $14,473 in 2012! Top Floor Building 8 well maintained unit. Includes two Frigidaire AC Units, one in the master bedroom and in the living area purchased in 2012. New sofa…

$139,900
4 Beds
3 Full Baths
0 Half Baths

A fabulous find! Just 45 minutes from Wilmington, tucked away at Clear Run on the Black River. This sportsman retreat offers 4 bedrooms / 3 baths, fireplace, 2 kitchens and a wonderful…

$150,000
3 Beds
2 Full Baths
0 Half Baths

Beautiful waterfront lot with mature trees and landscaping. This property has been cared for and enjoyed for many years. It features a boat dock where you can fish or crab or park your Jon…

$164,900
3 Beds
1 Full Bath
0 Half Baths

Adorable 3 Bedroom Brick home situated on almost an acre of land on sturgeon creek. This home has recently been painted, refinished hardwood floors, new screened in porch among many more…

$175,000
3 Beds
2 Full Baths
0 Half Baths

Fisherman’s paradise. This waterfront canal 3 bedroom 2 bath home has 2 boat lifts (one covered)and boat dock just minutes from the ICW. In just a few more minutes you can be in the Atlantic…

$224,900
3 Beds
2 Full Baths
1 Half Bath

Great 2nd row – tidal creek townhome. Views of the ocean and sound. Beach access across street. Fully furnished. New kitchen cabinets, granite, dishwasher, stove. Wood floors in living, dining…

$235,000
3 Beds
2 Full Baths
1 Half Bath

Welcome to Hewelett’s Creek and marsh front living in Sawgrass. Sawgrass is in the Parsley Elementary School district and has community pool, tennis, clubhouse and exercise room. This 1,560…

$259,981
3 Beds
3 Full Baths
0 Half Baths

Relax in the Florida room while enjoying the views & summer breezes of the Intracoastal Waterway. Open living area. 2 bedrooms, 2 baths on main level. 1 bedroom & full bath in basement.…

$274,900
3 Beds
3 Full Baths
0 Half Baths

Home located on marsh in Surf City. Property has a dock with small flat bottom boat or kayak access, that leads to deep water. Home has 3 bedrooms and 3 baths, with fireplace, tile, Bamboo…

$279,000
3 Beds
2 Full Baths
0 Half Baths

Great Community on Bay Tree Lake, wonderful home on canal for relaxing mornings and afternoons. This home has three spacious bedrooms, large eat in kitchen, great Carolina room that overlooks…

For more waterfront please visit here….
Categories: Figure Eight Island, Uncategorized, Waterfront Wilmington NC, waterfront wrightsville beach, wilmington beach homes, wilmington nc, wilmington nc real estate, Wrightsville Beach NC

Search for Foreclosures in Wilmington NC | Real Estate

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Welcome to our Free Wilmington NC Foreclosure Site.

These prices won’t last for long!

Foreclosure, short sale closeouts.

Many desirable properties sell within 48-72 hours of availability.

Be the first to know about these homes!

Foreclosures from $50,000 – $175,000  Click Here…

Foreclosures from $175,000 – $300,000 Click Here…

Foreclosures from $300,000 Click Here…

Click Here to search on your own

We will provide you with free daily updates on Foreclosures and Short Sales in the Wilmington area.  Save money and enjoy quick equity when you purchase a foreclosed  or a short -sale home.  You provide the price and what you are looking for, and we will put you on our automatic  listing alert service directly from our MLS system, so that only the homes that match your criteria will be emailed to you.  At your convenience look through the listings  and if one catches your eye, call us and we will make arrangements with the bank to get more information about the home. It’s just that simple.
Just fill out the email request below and leave the rest to us.

Our speciality in todays market is short sales, foreclosures and Bank owned property.  We are knowledgeable and up to date on how to get you the very best price. Just have questions about the real estate market, email us anytime and we will be glad to answer your questions or concerns.

This service is available for New Hanover County, Brunswick County & Pender County. Wilmington NC Real Estate searches can be done on our websitewww.cbbaker.com

 

Categories: Search foreclosures Wilmington NC, Short Sales Wilmington NC, waterfront wrightsville beach, wilmington beach homes, wilmington nc foreclosures, wilmington nc real estate


Kay Baker Associates | 1001 Military Cutoff | Ste 101 Wilmington, NC 28405 | kaybakerassociates@ec.rr.com | 910-202-3607 | Fax 910-338-2428

Copyright © 2017 Wilmington NC Real Estate Guide. All rights reserved. Disclaimer: All content on this blog is my own opinion and should not be treated as fact or relied upon when purchasing or selling real estate.