NEGOTIATE: How To Buy The Home You Love At The Price You Want

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2Found the house of your dreams? Now the negotiations begin.

The agent you’re working with can guide you through the process of making a purchase offer. You’ll want to start by learning as much as you can about how much the property is worth.

Check the comparables

Your agent has up-to-the-minute price data at hand to help you analyze any comparable properties; just ask. Although every home is unique, here’s some of what makes a home “comparable” to the one you’re considering purchasing:

same neighborhood;
same age and condition;
same size lot;
same home style–equivalent living space, number of rooms and baths;
similar terms of sale.

Follow sales price trends

Ask about recent pricing trends in the neighborhood. Specifically, what has been the average difference between listing price and sales price for recent sales of comparable homes? What is the ratio of assessed tax value to market value?

Offer what you think the house is worth

Some asking prices have built-in padding, but others are already priced to sell. You could lose a well-priced home with a low-ball bid. Remember, a lower mortgage interest rate will allow you to borrow more and pay a higher price for a home without increasing your monthly payment.

Spell out the details

Consider getting a pre-purchase appraisal and home inspection. The appraisal will give an independent valuation of the house, and the inspection will help identify any potential problems you may have overlooked. Consider including a contingency making the contract subject to a satisfactory appraisal and inspection.

Evaluate contingencies

The contract can also be contingent upon an attorney’s review, previous home sale, and acceptable mortgage loan terms, etc. Contingencies are typically used to smooth acceptance of an offer without delaying the final decision. Too many contingencies, however, weaken your bargaining position.

Know what’s important to you

Prioritize the elements of the sale on paper (“must” and “want”) and decide where you have negotiating room–what you’ll give up or accept in exchange for a concession. Items frequently negotiated include adjustments for needed or requested repairs, what personal property stays and what goes with the seller, points and closing costs, and move-in date. Knowing exactly what you want and where you are willing to bargain is your most important negotiating tool.

Put everything in the first purchase offer

If the first offer is accepted it may be too late to add anything. Include a financial statement. Do all negotiating in writing with a deadline for a response, often 48 hours. You are free to cancel an offer until it is accepted by the seller. Require that your binder or deposit be held in an escrow account with the interest credited to you.

Be Patient

Negotiating could take several days. Be patient; you won’t want to rush into one of the most important purchases you’ll ever make.

We can help

If you’d like help finding your dream home, please call or e-mail us. We’ll help with your home search and will give you all the important information we can provide to help you make the right offer for the right home.

Categories: buying a home, The Art of Negotiating, Uncategorized, wilmington nc real estate

Get The Most Bang For Your Remodeling Bucks | Wilmington NC real estate

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Get The Most Bang For Your Remodeling Bucks

Thinking about making a change to your home? Be sure your remodeling dollars are well spent.
You certainly should focus on making your home a place you (rather than some future buyer) will enjoy living in. Still, it makes sense to remodel with an eye to maximizing the return you’ll get on your remodeling costs when the time does come to sell.
Consider the following suggestions:
1. Try To Fit In
Make sure your changes are consistent with the neighborhood. Don’t improve your home’s value more than 20% above the average value of homes in your area. If three bedrooms are standard and you are adding two more, you are not likely to get a very good return on your investment. Consider moving to a larger home rather than over-improving your current one.
2. Take The Middle Path
Shy away from highly decorative (or expensive) fixtures and designs. While a black-onyx wet bar and a mirrored wall might suit your fancy, it may make your home harder to sell later on. Remember, trendy colors and styles become stale all too soon (remember “harvest gold”?). Classic styles and neutral colors, on the other hand, stand the test of time. Express your individual taste with furnishings that you can take with you when you go.
3. Invest In Popular Improvements
Renovations with the best return include changes in the kitchen or bathrooms and room additions accomplished by adding on or enclosing a porch or garage. Tour similar homes that are for sale to see what kind of renovations your neighbors have made. Take a look inside some new homes, too. Builders know what today’s buyers are looking for; you may want to incorporate a few of the latest features in your home remodeling project.
4. Look At Your Moving Timetable
Will you be moving in a year or two? If so, shy away from major projects or personalized “luxury” updates such as saunas or art studios. You could end up spending extra money to reconvert the space if your buyers don’t like the results. Don’t start renovating if you expect a short-term stay, because long-term remodeling loans will deduct cash from your equity when you sell.
5. Find A Reputable Contractor
Look for a contractor with a solid track record doing the kind of work you’re looking for. Check for proof of insurance, licensing and bonding. Ask for references and contact several. Make sure you have a contract that spells out all of the details and possible scenarios — materials, periodic payments based on progress, completion dates, etc.

More on remodeling here…

Categories: Financing a Home Purchase in Wilmington NC, Home Selling, Managing your debt, Screen Gems Studio, Showcasing your home, Technorati Profile, volunteer in wilmington NC, wilmington nc, Wilmington NC Neighborhoods, wilmington nc real estate

HEALTHY HOME: The Top 10 House Maladies To Avoid

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babyhandWhether you’re selling a home or looking to purchase one, you’ll want to make certain the home in question is in good physical condition. Check out the following list of the 10 most common home “health” problems identified by members of the American Society of Home Inspectors in a recent survey.

1. Improper surface grading and drainage.

Inspectors rated this problem the most troublesome, with 35.8% of those surveyed listing it as their top issue. Responsible for household maladies, such as leaky basements or crawl spaces, grading and drainage problems can be fixed either by regrading the ground away from the house or replacing gutters and down spouts.

2. Improper electrical wiring.

This was rated the most common problem by 20% of the inspectors surveyed. Some inspectors reported that 70% to 80% of electrical wiring in homes is installed incorrectly — mostly by do-it-yourselfers. Noted problems included insufficient electrical service, inadequate overload protection and amateur (sometimes dangerous) wiring connections.{short description of image}

3. Roof damage.

Leaking roofs ranked third in the survey, resulting most often from old or damaged shingles or improper flashing and drainage. Asphalt shingles, the most commonly used shingle type, last between 20 and 30 years — about the same life span as wooden shake shingles. For longevity, try slate shingles, which can last 100-plus years!

4. Heating systems.

Most sales contracts require that heating systems be in working order, so it’s an item that must be dealt with if it fails the home inspection — which often happens, according to the ASHI survey. Problems include broken or malfunctioning controls, blocked chimneys and unsafe exhaust disposal. Don’t overlook heating system problems — they can be dangerous if left unattended.

5. Poor overall maintenance.

Although the survey found this problem common, it is truly avoidable. Signs of poor maintenance include: cracked, peeling or dirty painted surfaces; crumbling masonry; makeshift wiring or plumbing; and broken fixtures and appliances.

6. Structural problems.

This category includes damage to structural components such as foundation walls, floor joists, rafters and window/door headers — often caused by some of the five problems already listed.

7. Plumbing.

Common problems include faulty fixtures and waste lines and the existence of old or incompatible piping materials.

8. Exteriors.

While exterior flaws may not have structural significance, defects in windows, doors and wall surfaces can cause discomfort to residents via moisture and air penetration. The most common exterior problems are inadequate caulking and/or weatherstripping.

9. Poor ventilation.

It is possible to “overseal” a home, resulting in excessive interior moisture, which can lead to rotting and failure of structural and non-structural elements.

10. Miscellaneous.

Included here were interior elements — usually cosmetic. They were mentioned so infrequently by respondents that they did not rank individually in the survey.Fortunately, many of the most common problems in homes are far from fatal — they can often be fixed quickly and inexpensively! The point is to fix them early, before they cause significant damage to your home.

Call us 910-202-3607 for more information and tips. Or visit www.cbbaker.com

 

 

Categories: #selling homes, #Spring Time To Sell, Healthy Homes, Uncategorized, wilmington nc real estate

How to Win the Mortgage Game When Relocating

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lotus_bud_free_photo-690x457www.cbbaker.com

The single smartest move you can make is to put off house hunting until you have a firm idea of your buying power. If you are pre-approved for a loan, you can save considerable time house hunting and mortgage shopping.

A pre-approved mortgage loan is an excellent guideline to help relocating home buyers know how much home they can afford. For the seller, pre-approval is proof that the buyer’s lender feels confident a loan commitment would not be a problem if all the financial documentation were in order.

Pre-Approval Benefits:

  • Streamlines house hunting.
      A pre-approval identifies how much money the transferee can obtain, so precious time isn’t wasted looking at too-costly homes.
  • Offers peace of mind.
      You know for sure how much home you can afford, and there is little chance a lender will not make the requested commitment.
  • Prevents “house poor” homeowners.
      Pre-approval reduces the possibility of you becoming overextended and unable to meet payments later on.
  • Boosts bargaining power.
      Pre-approved buyers tend to be in an advantageous position when bidding against other buyers, as sellers like knowing your loan is guaranteed.
  • Pinpoints best mortgage option.
    The pre-approval process helps you identify ahead of time which type of mortgage best meets your personal needs.

Before you jump into planning your move, there are some terrific services we offer to relocating families moving into or out of our area. Let us help you take advantage of them. Send us an e-mail or give us a call. 910-202-3607 or kaybakerassociates@ec.rr.com

Categories: Pre-Approved Mortgage, Uncategorized, wilmington nc real estate, Wrightsville Beach NC

69th NC Azalea Festival Wilmington NC 2016 | Get Your Party Hat On.

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69th NC Azalea Festival Wilmington NC 2016 | Wilmington NC real estate

 

 Join us for the 69th NC Azalea Festival in Wilmington NC. April 6 – 10 .

 

 

“The North Carolina Azalea Festival is Wilmington’s annual community celebration and the largest festival of its kind in the state. Founded in 1948, the Azalea Festival has emerged as Wilmington’s premier event.

Each April, a full week of natural beauty, big-name entertainment, festive galas, fun family events and Southern hospitality come together to showcase the charms of the Wilmington area. For community pride and springtime pageantry, the North Carolina Azalea Festival has no equal!

The Festival’s concerts, fairs and special events are viewed by more than one million people each year, in person and through media coverage. More than 200,000 are estimated to attend the annual two-day street fair, while more than 100,000 gather to watch the Festival parade. Each event is a celebration, beginning with the traditional arrival of Queen Azalea at the official opening of the five-day event. Stars glitter throughout town as Southern belles and their escorts promenade through lush gardens at the annual garden party. Everywhere the blooming azaleas offer colorful testimony to the rich heritage of coastal Carolina.”

Here is a sampling of the schedule for this years festival from the festival website.

  • Azalea 5K/10K/Kid’s Run

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    2APR2016
    The North Carolina Azalea Festival 5K/10K & 1 mile-Kid’s Run is an annual event hosted by the Cape Fear Volunteer Center. Kids, dogs, and costumes are welcome! All proceeds from …

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  • Azalea Sweep

    2APR2016
    The Azalea Sweep is an event that takes place a week or two prior to the Azalea Festival. Officers, committee members, and volunteers get together and clean various places where …

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  • Queen’s Coronation

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    6APR2016
    The Queen’s Coronation is an annual event where the Queen is officially crowned the North Carolina Azalea Festival Queen Azalea. In attendance are the Festival Celebrity Guests as well as: City …

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  • Brigade Boys & Girls Club Community Visit

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    7APR2016
    Each year the Azalea Festival Queen Azalea, Celebrities, and Official Party visit a community organization to help spread the Festival spirit.  We were proud to visit the Brigade Boys & …

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  • Celebrity Reception

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    7APR2016
    The Celebrity Reception provides sponsors of the Festival a close and personal opportunity to see and meet Queen Azalea, Celebrity Guests, and other Festival Dignitaries.  A relaxing luncheon on sprawling …

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  • School Visit

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    7APR2016
    Each year the Azalea Festival Queen Azalea, Celebrities, and Official Party visit a local school to share the Festival spirit.  The school works year-long to prepare a program and showcase …

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  • The Avett Brothers

    7APR2016
    When you’re receptive to the forces around you, you’ll notice there’s something powerful in the air. It’s that feeling of inspiration to which The Avett Brothers consistently remain open.” It’s a spirit …

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  • After Garden Get Down

    8APR2016
    The After Garden Get Down at Bluewater Grill is a fun, dockside party on Friday, March 8th from 2-5 PM, immediately following the Airlie Luncheon Garden Party.  Guests enjoy live music by Darryl …

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  • Airlie Luncheon Garden Party

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    8APR2016
    The premier event in Wilmington, the Airlie Luncheon Garden Party is one you can’t miss! Join us and 2,500 of our closest friends as we kick off Spring with big …

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  • Cape Fear Garden Club Azalea Garden Tour

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    8-10APR2016
    The Cape Fear Garden Club Azalea Garden Tour © is sponsored by the Cape Fear Garden Club, Inc. The tour has been featured in SOUTHERN LIVING and is one of …

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  • City RockFest Tour

    8APR2016
    Join us for the City RockFest Tour 2016 with Seventh Day Slumber, Decyfer Down, Childen 18:3, Spoken, & Disciple, presented by: McDonalds, McAnderson’s Inc. and the North Carolina Azalea Festival.Read More…

  • Juried Art Show

    8-10APR2016
    Over 100 North Carolina artists and national artists present fine paintings at the Annual Juried Spring Art Show and Sale.  The Art Show is a long-standing tradition of the North …

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  • Snoop Dogg with Doug E. Fresh

    8APR2016
    Multi-platinum artist, actor and entertainment icon Snoop Dogg is at the forefront of popular culture with award-winning albums and songs, multiple films, lifestyle products, philanthropic efforts, and digital ventures, including …

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  • Street Fair

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    8-10APR2016
    The North Carolina Azalea Festival Street Fair Presented by Wells Fargo is a free, family event with over 330 arts and craft vendors, 40 food vendors, 2 stages, a Children’s …

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  • USCGC Diligence Tours

    8-10APR2016
    Tour times are: Friday from 12:30 PM  – 15 minutes before sunset Saturday/Sunday from 10:00 AM  – 15 minutes before sunsetRead More…

  • Boxing

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    9-10APR2016
    The North Carolina Azalea Festival Boxing Tournament showcases some of the finest boxers from the National and International level of competition & from the military branches. Queen Azalea & VIP …

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  • Chase Rice with Kane Brown

    9APR2016
          Chase Rice When he takes the stage to perform, Chase Rice pulls no punches. “You’re gonna be mine and I’m gonna be yours for an hour and …

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  • Coin Show

    9-10APR2016
    A fun filled family event! Children are given free foreign coins to learn about currency and foreign countries. More than 30 dealers from several surrounding states are on hand to …

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  • Fireworks

    9APR2016
    A favorite Festival event, the fireworks are presented over the majestic Cape Fear River. Come early to pick out your best viewing spot!Read More…

  • Historic Home Tour

    9-10APR2016
    The North Carolina Azalea Festival Home Tour is an annual event held by the Historic Wilmington Foundation. Proceeds from the Home Tour will advance the Historic Wilmington Foundation’s efforts to …

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  • MGC Parade Mile

    9APR2016
    Welcome to the MGC Parade mile. Local law firm McAngus Goudelock & Courie is teaming with Go Time and the North Carolina Azalea Festival to put on a one of …

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  • Parade

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    9APR2016
    The Azalea Festival Parade continues to be one of Southeastern North Carolina’s largest annual event, with over 100,000 viewers each year. Our traditional parade route flows right through the heart …

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  • Patrons’ Party Gala

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    9APR2016
    The Patrons’ Party Gala is the grand finale for sponsors of the Azalea Festival.  A black-tie event filled with wonderful food displays and dancing to the sounds of the hottest …

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  • Street Fair Children’s Area

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    9-10APR2016
    The Street Fair Children’s Area is family fun for everyone! Games, children’s craft projects, and a stage dedicated to children’s performances all await you at the Cotton Exchange.   Saturday …

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  • Street Fair Multicultural Stage

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    9APR2016
    We invite the public to join us for a unique, family-friendly multicultural experience on Saturday and Sunday, April 9th and 10th. The kick-off of the multicultural festivities goes global beginning …

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  • USS North Carolina Battleship 75th Anniversary Celebration

    9APR2016
    Join us and our “living history crew” – active Marines in WWII attire bringing the Battleship to life on Saturday, April 9th! At 1:15 PM, there will be a Special …

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  • Festival Finale

    10APR2016
    Bluewater Grill is kicking off their Waterfront Music Series by hosting the Festival Finale on Sunday, April 10th, the last event of the North Carolina Azalea Festival. Back of the Boat will provide …

    Read More…

From Last Years Festival

azalea

While you are in town, please visit our mobile site mobile.cbbaker.com to view our fabulous real estate offerings.  Or online www.cbbaker.com

Categories: 65th Azalea Festival, 67th Azalea Festival, azalea festival, Wilmington NC homes, wilmington real estate stats

LOOKING AHEAD | Rising Rates? Who Knows? For Now They’re Still Affordably Low

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 www.WilmingtonNC-realestate.com or www.cbbaker.com

river2It’s easy—when you’re ready to buy a home and apply for a mortgage loan—to become obsessed with interest rates. How high will the average interest rate on a 30-year fixed-rate mortgage loan rise in 2016? How about on a 15-year loan?

The truth is, no one knows what interest rates will do in 2016.

This isn’t unusual. No one knew what rates would do last year, either. Remember the predictions that mortgage interest rates would soar in 2015? Those predictions turned out to be incorrect. In the fourth quarter of 2015, the nationwide average interest rate on a 30-year fixed-rate mortgage was still under 4%. And the average rates on 15-year fixed-rate mortgages were under 3.5%.

There’s no guarantee that rates won’t rise throughout 2016. But this is important to remember: As 2016 kicked off a new year, average interest rates were still near historic lows. So even if rates do rise this year, they’ll have to jump significantly not to be nicely affordable by historic standards.

Outlook: Small changes in interest rates won’t impact your ability to afford a mortgage by much. If you take out a $150,000 30-year fixed-rate loan at 3.8%, your monthly payment—not including taxes and insurance—will be around $700. If the rate on that same loan increased to 4.1%, your monthly payment—again excluding insurance and taxes—would rise to $724. That’s a difference of about $24 a month or about $288 a year.

The message here? Yes, it’s better to buy while interest rates are low. But don’t let an obsession with rates keep you from pulling the trigger on your dream home this year. The odds are high that mortgage rates throughout 2016 will remain at attractive and affordable levels.

Categories: 2016 Interest Rates, Looking Ahead 2016, mortgage rates, Uncategorized

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

Soothing Medicine for your CONSCIENCE | Volunteer Wilmington NC Conscience Fairs 2016 | Wilmington NC real estate

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StarnewsMedia is hosting the 2016 Conscience Fair this year  10 a.m. to 2 p.m. Saturday, Jan. 23, in Cape Fear Community College’s Schwartz Center, 601 N. Front St.  If you have not selected a New Years resolution, you may  find one here at the fair.  Over 100 Non- Profits will be there with a whole list of needs.  A great time to scratch that “Volunteer” itch you have been having.  Wilmington NC is an awesome city and it is mainly because of it’s great people and giving attitude.  Join in, you will not be sorry.

More to follow on how to sign your non-profit up for the fair.

The following nonprofits have signed up for booths so far.

Coastal Enterprises of Wilmington; Don Hoover; (910) 763-3424; d.hoover@bizec.rr.comUnited Way of the Cape Fear Area;

Tommy Taylor; 9107983900; tommy.taylor@uwcfa.orgStep Up for Soldiers; Tom Russell; 910-297-4981;tom@stepupforsoldiers.org

Cape Fear Regional Community Development Corporation; Janiel Blackman; 910-762-7555; info@cfrcdc.orgNAACP Parents’ Council of New Hanover County; George Vlasits; 910-465-8871; gvlasits@gmail.com

The Bridge; Mary Ellen Bowman; 9105239687; cwjchope@gmail.comNew Hanover Regional Medical Center; Eileen McConville; 910.667.5317; Eileen.mcconville@nhrmc.org

Paws Place Dog Rescue; Peggy Durso; 330-416-4748; peggy@pawsplace.org

New Hanover County Community Emergency Response Team (CERT); Kristen Skinner; 910-798-6905; kskinner@nhcgov.com

Wilmington Area Rebuilding Ministry, Inc. (WARM); Melanie James; 910.399.7563; info@warmnc.org

Easter Seals UCP; Pat Watson; 910-790-5921 Ext. 8337; patricia.watson@eastersealsucp.com

Gifted in Rhythm & Life (GiRL); Cassandra McNeil ; 202-421-2645; cassandra.wearegrl@gmail.com

Quality Enhancement for Nonprofit Organizations; Natasha Davis; 910-962-2878; davisn@uncw.edu

Cameron Art Museum; Pam Palmer; 910-395-5999 x 1012; ppalmer@cameronartmuseum.org

Airlie Gardens; Flo Berry; 910-798-7566; fberry@nhcgov.com

Road to Recovery-Relay For Life; Yona Bar-Zeev; 9106865191; barzeevy@gmail.com

Sunrise Express Benefit Group ; Peter Morreale; 9102977868; Peter@sunriseexpress.org Animal Avengers; Jennifer Witkowski; 8472049458; jenniferwitkowski@gmail.com

New Hanover County Board of Elections; Jenna Dahlgren; 910 798 7330; jdahlgren@nhcgov.com

North Carolina Coastal Federation; Rebecca Peter; 910-509-2838; rebeccap@nccoast.org

Sunrise Express Benefit Group; Peter Morreale; 910-297-7868; peter@sunriseexpress.org

Pets for Vets – Cape Fear NC; Peggy Jones; 910-470-6337; capefear-nc@petsforvets.com

North Carolina Sorosis; Debbie Sheehan, President; (910)395-2176 or (910)612-0696; dwsheehan@hotmail.com

Wilmington Prostate Cancer Support Group, Us TOO; George W Gardner; 9107929953; wproscasupportgp@aol.com

CAT Adoption Team; Julie Wheeler; 910-228-0163; jwheeler1@ec.rr.com

Team First Book; Carol Barre; 910-200-1441; cbarre1250@ec.rr.com

The Carousel Center, Inc.; Laurene Avery; 910-254-9898; Vista@carouselcenter.org

Cape Fear Habitat For Humanity; Tim Synan, Volunteer Coordinator; 910-762-4744 x105; tim@capefearhabitat.org

Diaper Bank of North Carolina Lower Cape Fear; Leigh Robertson; 910-232-2824; mleighrobertson@gmail.com

Cape Fear Parrot Sanctuary; Ces Erdman; 910-471-2186; cesnc1978@hotmail.com

The Matthew 25 Center; Paula Schwefel; 9102597133; matthew25@bizec.rr.comAARP NC; Suzanne LaFollette-Black; 919-274-2598; Sblack@aarp.org

Cape Fear Museum of History and Science; Kitty Yerkes; 910.798.4372; kyerkes@nhcgov.com

Journey4Josh; Patty Proutey; 910-442-7721; Journey4josh@gmail.com

Kids Making It; Kim Boyce; 910-262-3452; kim@kidsmakingit.org

Canines for Service; Christy Borst; 910-362-8181; cborst@caninesforservice.org or information@caninesforservice.org

NourishNC, Inc.; Kathryn Thomas; 910-465-0995; kthomas5745@gmail.com

The Warrior Ride; Carolyn Scott ; 910 278 9919 ;…

More to come.  Now is your chance to make a difference.

www.cbbaker.com for all your Wilmington NC real estate needs.

 

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Categories: Concience Fair 2016, Volunteer in Wilmington 2016, wilmington nc weekly events

Veterans Day | Take a moment and thank a Vet

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veteranHappy Veterans Day.  A huge thank you for all of you that have served or are serving our great Country.  We would not have the rights and privileges that we enjoy today without your selfless service.  According to the Department of Veterans Website the history of Veterans Day started after  World War I – known at the time as “The Great War” – officially ended when the Treaty of Versailles was signed on June 28, 1919, in the Palace of Versailles outside the town of Versailles, France. However, fighting ceased seven months earlier when an armistice, or temporary cessation of hostilities, between the Allied nations and Germany went into effect on the eleventh hour of the eleventh day of the eleventh month. For that reason, November 11, 1918, is generally regarded as the end of “the war to end all wars.”

Veterans Day continues to be observed on November 11, regardless of what day of the week on which it falls. The restoration of the observance of Veterans Day to November 11 not only preserves the historical significance of the date, but helps focus attention on the important purpose of Veterans Day: A celebration to honor America’s veterans for their patriotism, love of country, and willingness to serve and sacrifice for the common good.

Categories: Uncategorized, Veterans Day

MILLENIALS ON THE MOVE | Starter Homes, No Longer Your Parents’ Boomerang Basement

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couple

Wilmington NC real estate

Millennials are broadly defined as the generation born between the early 1980s and the early 2000s. With Millennials born in 1980 turning 35 in 2015, many from the older end of this peer group are looking to buy homes and are NOT looking to continue renting or living in their parents’ home.

Actively saving. Twenty- and thirty-somethings who are serious about moving out are working hard to save up to buy property. Parents and grandparents, if in a position to give money, can help these Millennials achieve their real estate goals by giving up to $14,000 per year per individual tax-free.

Understand the value of homeownership.Millennials who are recently married, in a committed relationship or starting families are eager to have their own space. Starter homes are in demand for these groups who want to become part of the community and set down roots.

Why pay rent when I can own? Savvy young adults realize that everyone needs a place to live and it makes more financial sense to pay off your own mortgage than help pay your landlord’s.

Financing strong. The outlook for Millennials is positive as interest rates remain historically low and housing selection is generally wide. Loosening down-payment and mortgage insurance lending standards are opening more doors to homeownership for this group as well.

Competition. First-time homebuyers still are plagued by competition from investors who use all cash to scoop up desirable bargain properties. Working with a real estate pro, like us, can help buyers gain the upper hand.

Expectations. Too many buyers have unrealistic expectations for their first homes. First-time homebuyers need to realize they often will not be able to buy the type of home that their parents currently own. Many first homes need a bit of elbow grease to make them a showcase property.

Photo by imagerymajestic | freedigitalphotos

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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.