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	<title>Wilmington NC Real Estate Guide &#187; Wilmington NC real estate</title>
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		<title>Soothing Medicine for your CONCIENCE &#124; Volunteer Wilmington NC Concience Fair 2012 &#124; Wilmington NC real estate</title>
		<link>http://wilmingtonncrealestateguide.com/2012/02/03/soothing-medicine-for-your-concience-volunteer-wilmington-nc-concience-fair-2012-wilmington-nc-real-estate/</link>
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		<pubDate>Fri, 03 Feb 2012 20:50:41 +0000</pubDate>
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				<category><![CDATA[Soothing Medicine for your CONCIENCE | Volunteer Wilmington NC Concience Fair 2012]]></category>
		<category><![CDATA[affordable neighborhoods wilmington nc]]></category>
		<category><![CDATA[Coldwell Banker]]></category>
		<category><![CDATA[wilmington nc real estate]]></category>
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		<description><![CDATA[StarnewsMedia is hosting the 2012 Concience Fair again this year at the Cape Fear Community College North Campus.  If you have not selected a New Years resolution, may you 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 &#8220;Volunteer&#8221; [...]]]></description>
			<content:encoded><![CDATA[<p><a href="http://images.trulia.com/blogimg/4/4/8/8/99136_1327516831201_o.jpg"><img src="http://images.trulia.com/blogimg/4/4/8/8/99136_1327516831201_b.jpg" alt="" align="left" /></a><br />
StarnewsMedia is hosting the 2012 Concience Fair again this year at the Cape Fear Community College North Campus.  If you have not selected a New Years resolution, may you 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 &#8220;Volunteer&#8221; itch you have been having.  Wilmington NC is an awesome city and it is mainly because of it&#8217;s great people and giving attitude.  Join in, you will not be sorry.</p>
<p>The 2012 StarNews Media Conscience Fair is <strong>10 a.m. to 3 p.m. Saturday, Feb. 4</strong>, in the McKeithan Center at Cape Fear Community College’s North Campus, 4500 Blue Clay Road.</p>
<p>Nonprofit organizations present information about volunteer opportunities. To reserve a space – it’s free – visit <a href="http://www.starnewsonline.com/ConscienceFair" target="_blank">StarNewsOnline.com/ConscienceFair</a>and fill out the signup form.<br />
The following nonprofits have signed up as of 3 p.m. Friday, Jan. 20.</p>
<p>ORGANIZATION NAME:   CONTACT PERSON   PHONE NUMBER   E-MAIL ADDRESS</p>
<p>International Seamen&#8217;s Center Ron Casterline 910-681-1603 <a href="mailto:rgcasterline@yahoo.com">rgcasterline@yahoo.com</a><br />
St. Mary Health Center Laura Vinson-Garvey (910) 279-0643 <a href="mailto:lvinsongarvey@yahoo.com">lvinsongarvey@yahoo.com</a><br />
Armor of God Ministries Debi Tucker 910-259-5062 <a href="mailto:debineedstime@yahoo.com">debineedstime@yahoo.com</a><br />
Love Is Bald Kelli N. Russell 910-264-6097 <a href="mailto:kellineese@hotmail.com">kellineese@hotmail.com</a><br />
CUE Center for Missing Persons Melissa Neu 910.541.1626 <a href="mailto:cmneu@marketingflotsam.com">cmneu@marketingflotsam.com</a><br />
Wilmington Area Rebuilding Ministry, Inc. JC Skane 910.399.7563 <a href="mailto:info@warmnc.org">info@warmnc.org</a><br />
disAbility Resource Center Gloria Garton 910-815-6618 <a href="mailto:gloria.garton@drcwilmington.org">gloria.garton@drcwilmington.org</a><br />
Moores Creek Conservation Alliance Nancy Keith 910-540-0179 <a href="mailto:moorescreekconservation@gmail.com">moorescreekconservation@gmail.com</a><br />
Cameron Art Museum Bo Dean 910-599-3995 ext 1010 <a href="mailto:bodean@cameronartmuseum.com">bodean@cameronartmuseum.com</a><br />
WHQR Public Radio Laura Hunsberger (910) 343-1640 <a href="mailto:laura@whqr.org">laura@whqr.org</a><br />
Church World Service/ CROP Walk Janet Magelli 910-616-1342 <a href="mailto:jmagelli@gmail.com">jmagelli@gmail.com</a><br />
Arts Council of Wilmington and N.H.Co. Owen Wexler 910.790.3989 <a href="mailto:mowexler@aol.com">mowexler@aol.com</a><br />
Foreign Exchange Student Program -PAX /STEP Tracy Bickel 910-632-4293 <a href="mailto:hostexchangestudent@gmail.com">hostexchangestudent@gmail.com</a><br />
PILOT CLUB OF WILMINGTON RAMONA ANDREWS, PRESIDENT 791-2733 &#8211; BUSINESS  612-0834  &#8211; CELL <a href="mailto:randrews@biz.ec.rr.com">randrews@biz.ec.rr.com</a><br />
Greater Porters Neck Area Foundation Yona Bar-Zeev 910n 686-5191 <a href="mailto:pnccyona@yahoo.com">pnccyona@yahoo.com</a><br />
The Arc of NC-Benefit Bank/ Volunteer Income Tax Assistance (VITA) site Brian Moeller (9100 538-9421 <a href="mailto:bmoeller@arcnc.org">bmoeller@arcnc.org</a><br />
The Full Belly Project Daniel Ling (910) 452-0975 <a href="mailto:fullbellyproject@gmail.com">fullbellyproject@gmail.com</a><br />
WINGS MINISTRY Missy Settlemyre 910-512-7643 <a href="mailto:missy@wingsministriesinc.com">missy@wingsministriesinc.com</a><br />
Religion News Wilmington Amanda Greene, local editor and community manager 910-471-9152 or 910-520-3958 <a href="mailto:Amanda.Greene@ReligionNews.com">Amanda.Greene@ReligionNews.com</a><br />
Wilmington Health Access for Teens Emily Henley 910-202-4605 <a href="mailto:emilyhenley@whatswhat.org">emilyhenley@whatswhat.org</a><br />
Lifeguide  ( We will be sharing a booth with Guardian ad LItem as in the past two years.) Denny Smith 793-3472 <a href="mailto:densmi@bellsouth.net">densmi@bellsouth.net</a><br />
ACCESS of Wilmington Inc. Dan Johnson, Chair  AND/OR  David Morrison, Vice Chair 910-962-3659 <a href="mailto:Johnsonde@uncw.edu">Johnsonde@uncw.edu</a>  <a href="mailto:david.morrison87@yahoo.com">david.morrison87@yahoo.com</a><br />
League of Women Voters of Lower Cape Fear Carole Ellis 910-791-0922 <a href="mailto:cellis13@ec.rr.com">cellis13@ec.rr.com</a><br />
OLD BRIDGE PRESERVATION SOCIETY Karen Dombrowski 910.579.9021 <a href="mailto:Rkd389@hotmail.com">Rkd389@hotmail.com</a><br />
First Book &#8211; New Hanover Co. Carol Barre 910-200-1441 <a href="mailto:cbarre1250@ec.rr.com">cbarre1250@ec.rr.com</a><br />
First Book New Hanover County John Osinski 910-962-4271 <a href="mailto:osinskij@uncw.edu">osinskij@uncw.edu</a><br />
The Affordable Housing Coalition ofSoutheastern NC Toni Melvin Whitaker  Acting Executive Director (910) 599-0348 <a href="mailto:toniwhit@ec.rr.com">toniwhit@ec.rr.com</a><br />
Buy Local ILM Gayle Tabor 910.471.7627 <a href="mailto:hello@buylocalilm.com">hello@buylocalilm.com</a><br />
S.H.A.R.E. Briana Kelly 910-431-6418 <a href="mailto:Brianamkelly@hotmail.com">Brianamkelly@hotmail.com</a><br />
Trinity Grove Ms. Noel Schuler 910-442-3016 <a href="mailto:nschuler@trinitygrove.net">nschuler@trinitygrove.net</a><br />
MADGRL  Mid-Atlantic Great Dane Rescue League Arlene Hubner 910-845-5143 <a href="mailto:ahubner@ec.rr.com">ahubner@ec.rr.com</a><br />
The Warrior Ride Debra/Bob Racine 910-278-4612 <a href="mailto:teamracine@thewarriorride.org">teamracine@thewarriorride.org</a><br />
Elderhaus PACE Amy Derck (910) 338-2757 <a href="mailto:amy.derck@elderhaus.com">amy.derck@elderhaus.com</a><br />
KAIROS Prison Ministries Intl. Gordon Keifer 256-5781 <a href="mailto:gordonkeifer@hotmail.com">gordonkeifer@hotmail.com</a><br />
Wilmington Prostate Cancer Support Group, Us TOO George Gardner 792-9953 <a href="mailto:wproscasupportgp@aol.com">wproscasupportgp@aol.com</a><br />
Bellamy Mansion Museum Gareth Evans 910.251.3700 <a href="mailto:gareth@bellamymansion.org">gareth@bellamymansion.org</a><br />
Oceana Zachary Keith 321-356-6603 <a href="mailto:zkeith@oceana.org">zkeith@oceana.org</a><br />
Junior Achievement of the Cape Fear Region Courtney Hickman 910-462-3690 <a href="mailto:chickman@jacarolinas.org">chickman@jacarolinas.org</a><br />
Project Linus Sharon Black 910-681-0452 <a href="mailto:slhblack@bellsouth.net">slhblack@bellsouth.net</a><br />
Guardian ad Litem Program of the 5th Judicial District Lynne Fender or Liz Kachris-Jones 910-616-8960 or 910-520-4035 <a href="mailto:lfender@ec.rr.com">lfender@ec.rr.com</a> or  <a href="mailto:liz.k.jones@nccourts.org">liz.k.jones@nccourts.org</a><br />
Wilmington Multiple Sclerosis (MS) Support Group Burt Masters, Co-Leader, Wilmington MS Spt Gp (910) 383-1368 <a href="mailto:happyheim@peoplepc.com">happyheim@peoplepc.com</a><br />
Interfaith Refugee Ministry Sarah Kingsley 910-538-0714 <a href="mailto:skingsley@helpingrefugees.org">skingsley@helpingrefugees.org</a><br />
Carolina Vocal Arts Ensemble Beverly Cree 910.799.9977 <a href="mailto:bjcree@gmail.com">bjcree@gmail.com</a><br />
Occupy Wilmington NC Roxanne Kirtright 910 380 1690 <a href="mailto:araweggandastorm@gmail.com">araweggandastorm@gmail.com</a><br />
The Friends of the New Hanover County Public Library Ruth M. Brown 910-256-5482 <a href="mailto:ruthbrown@bellsouth.net">ruthbrown@bellsouth.net</a><br />
Cape Fear Coalition for a Drug-Free Tomorrow Diane Edwards 962-7432 <a href="mailto:edwardsd@uncw.edu">edwardsd@uncw.edu</a><br />
The Carousel Center Tira Hanrahan (910) 254 &#8211; 9898 ext. 218 <a href="mailto:tira.hanrahan@carouselcenter.org">tira.hanrahan@carouselcenter.org</a><br />
Monty&#8217;s Home Barb Raab 910-259-7911 <a href="mailto:info@montyshome.org">info@montyshome.org</a><br />
Cape Fear Clinic, Inc.  (Formerly Tileston Health Clinic) John Devaney, Executive Director 910-343-8736 <a href="mailto:jdevaney@capefearclinic.org">jdevaney@capefearclinic.org</a><br />
American Red Cross- Cape Fear Chapter Wendy Flynn (910) 762-2683 ext 328 <a href="mailto:flynnw@usa.redcross.org">flynnw@usa.redcross.org</a><br />
Food Bank of Central &amp; Eastern North Carolina at Wilmington Jeff Rose 910-251-1465 ext 2205 <a href="mailto:jrose@foodbankcenc.org">jrose@foodbankcenc.org</a><br />
(WRAAP) Wilmington&#8217;s Residential Adolescent Achievement Place, Inc. Daryl Dockery 910.392.6007 <a href="mailto:daryldock@aol.com">daryldock@aol.com</a><br />
Airlie Gardens Flo Berry 910-798-7566 <a href="mailto:Fberry@nhcgov.com">Fberry@nhcgov.com</a><br />
NC Coastal Federation Ted Wilgis 910-509-2838 <a href="mailto:tedw@nccoast.org">tedw@nccoast.org</a><br />
Phoenix Employment Ministry Don Skinner 910-343-8469 <a href="mailto:phoenixesw@bellsouth.net">phoenixesw@bellsouth.net</a><br />
Lower Cape Fear Hospice &amp; LifeCareCenter Tracy Register / Jason Clamme 910-512-7559 or 910-796-7981 <a href="mailto:tracy.register@lcfh.org">tracy.register@lcfh.org</a> or <a href="mailto:jason.clamme@lcfh.org">jason.clamme@lcfh.org</a><br />
Domestic Violence Shelter and Services, Inc. Andrea Stough 910-343-0703 <a href="mailto:dvoutreach@earthlink.net">dvoutreach@earthlink.net</a><br />
Wrightsville Beach Museum of History Madeline Flagler 910-256-2569 <a href="mailto:wbmuseum@bizec.rr.com">wbmuseum@bizec.rr.com</a><br />
Muscular Dystrophy Association (MDA) Melissa Clary 910-763-3114 <a href="mailto:mclary@mdausa.org">mclary@mdausa.org</a><br />
Wilmington SCORE Sara Raleigh 910-409-9865 <a href="mailto:sraleigh@ec.rr.com">sraleigh@ec.rr.com</a><br />
Coastal Horizons Center, Inc.  Crisis Intervention Services Julie Ozier, LCSW or   Celine Adair, LMFT (910) 392-6936 <a href="mailto:jozier@coastalhorizons.org">jozier@coastalhorizons.org</a><br />
American Red Cross &#8211; Cape Fear Chapter Wendy Flynn 910-762-2683 ext.328 <a href="mailto:flynnw@usa.redcross.org">flynnw@usa.redcross.org</a><br />
Brunswick County Volunteer Center Jayne W. Mathews 910-253-2574 <a href="mailto:jmathews@brunswickes.com">jmathews@brunswickes.com</a><br />
YWCA Lower Cape Fear Katie Nelson 910-799-6820 ext 104 <a href="mailto:volunteers@ywca-lowercapefear.org">volunteers@ywca-lowercapefear.org</a><br />
New Hanover High School Army JROTC LTC James M. Chaffins (910) 520 &#8211; 7244 <a href="mailto:james.chaffins@nhcs.net">james.chaffins@nhcs.net</a><br />
Comfort Socks Theresa Tese 9102698577 <a href="mailto:theresa@comfortsocksonline.org">theresa@comfortsocksonline.org</a><br />
CHILD ADVOCACY &amp; PARENTING PLACE (CAPP CENTER) ELIZABETH K. MANDEL 910-791-1057 <a href="mailto:MANDELL@CAPPCENTER.ORG">MANDELL@CAPPCENTER.ORG</a><br />
SEACC (Southeastern Alliance for Community Change) Steve Lee 910-791-4877 <a href="mailto:seacc1@gmail.com">seacc1@gmail.com</a><br />
Brunswick Christian Recovery Center Ouida Hewett 910-842-6017 <a href="mailto:ouida@atmc.net">ouida@atmc.net</a><br />
OPTIMIST CLUB OF WINTER PARK CHUCK KUEBLER 910-392-7760 <a href="mailto:charleskuebler@gmail.com">charleskuebler@gmail.com</a><br />
Elderhaus Adult Day Care Trudy Tann (910)251-0660 <a href="mailto:trudy.tann@elderhaus.com">trudy.tann@elderhaus.com</a><br />
Brunswick Family Assistance Agency Lora Moree 910-754-4777x 103 <a href="mailto:lorabfa@gmail.com">lorabfa@gmail.com</a><br />
Amercan Radio Relay League Glenn Cox 910 431 3875 <a href="mailto:ke4bmy@hotmail.com">ke4bmy@hotmail.com</a><br />
&#8220;Bread for Life&#8230;.&#8221; Ministry Claudette Fiskin, MSW 910-343-5276 <a href="mailto:Bread4life.ministry@gmail.com">Bread4life.ministry@gmail.com</a><br />
Cape Fear Literacy Council Rachel LaCoe 910-251-0911 <a href="mailto:rlacoe@cfliteracy.org">rlacoe@cfliteracy.org</a><br />
Canines for Service (formerly Carolina Canines for Service) Laura Kranchalk 910-362-8181 <a href="mailto:lkranchalk@caninesforservice.org">lkranchalk@caninesforservice.org</a><br />
Pretty In Pink Foundation Joy Wade 910-620-9871 <a href="mailto:jwade@prettyinpinkfoundation.org">jwade@prettyinpinkfoundation.org</a><br />
Paws Place Inc.  3701 E. Boiling Spring Rd.  Winnabow, NC 28479 Peggy Durso 910-253-9258 <a href="mailto:peggydurso@ec.rr.com">peggydurso@ec.rr.com</a><br />
New Hanover Regional Medical Center Eileen McConville 815.5317 <a href="mailto:eileen.mcconville@nhrmc.org">eileen.mcconville@nhrmc.org</a><br />
A.R.R.L. The Amercican Radio Relay League Glenn Cox 910 431 3875 <a href="mailto:ke4bmy@hotmail.com">ke4bmy@hotmail.com</a><br />
Cape Fear Volunteer Center Annie Anthony 910-392-8180 <a href="mailto:cfvcdirector@gmail.com">cfvcdirector@gmail.com</a></p>
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		<title>Why ReFi? &#124; Five Great Reasons To Refinance Today &#124; Wilmington NC real estate</title>
		<link>http://wilmingtonncrealestateguide.com/2012/01/13/why-refi-five-great-reasons-to-refinance-today-wilmington-nc-real-estate/</link>
		<comments>http://wilmingtonncrealestateguide.com/2012/01/13/why-refi-five-great-reasons-to-refinance-today-wilmington-nc-real-estate/#comments</comments>
		<pubDate>Fri, 13 Jan 2012 20:11:40 +0000</pubDate>
		<dc:creator>wilmingtonncrealestateguide</dc:creator>
				<category><![CDATA[Buying Wilmington NC real estate]]></category>
		<category><![CDATA[Refinance]]></category>
		<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[wilmington nc real estate]]></category>
		<category><![CDATA[Wilmington nc schools]]></category>
		<category><![CDATA[worlds largest christmas tree]]></category>
		<category><![CDATA[affordable neighborhoods wilmington nc]]></category>
		<category><![CDATA[Coldwell Banker]]></category>
		<category><![CDATA[Figure Eight Island real estate]]></category>
		<category><![CDATA[refinance]]></category>

		<guid isPermaLink="false">http://wilmingtonncrealestateguide.com/?p=1658</guid>
		<description><![CDATA[Has your credit rating improved since you bought your home, allowing you to now get a better rate? Wilmington NC real estate and www.cbbaker.com]]></description>
			<content:encoded><![CDATA[<div>
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<td>There are plenty of reasons for a homeowner to refinance a current mortgage. Lowering a monthly payment is probably the most popular reason, but there are others. Do you want to pay off your loan more quickly? Has your credit rating improved since you bought your home, allowing you to now get a better rate? Do you want to put some of your equity to work in other ways? Each reason leads to a different way of thinking about refinancing.Many homeowners start thinking about refinancing when the current interest rate is lower than their mortgage-loan rate. Traditionally, homeowners have been advised to follow the &#8220;2-2-2 rule&#8221; when considering refinancing. This rule of thumb says your new interest rate should be at least 2 percentage points below your current rate. You should have lived in the home at least 2 years. And, you should be planning to stay at least 2 more years.</p>
<p>Although the &#8220;2-2-2 rule&#8221; is good advice in many cases, you should decide for yourself (with some professional advice!) what&#8217;s best in your situation. If the market doesn&#8217;t allow you to refinance into a lower-rate mortgage, you may still have a reason to change loans.</p>
<p>Some homeowners want to extend a 15-year loan into a 30-year plan to lower their monthly costs. Other homeowners who don&#8217;t plan to move for 5 years or more may benefit from a new mortgage even if it is only 1 percentage point lower than the old one.</p>
<p>Imagine you had a $200,000 mortgage at 8% over 30 years with a payment of $1,467 per month. If the loan amount is down to $175,500 (after making payments for about 10 years), you could use one of these strategies to lower your payment:</td>
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<h3>1. Lower Rate.</h3>
<p>One method is to seek out a lower interest rate for the balance of $175,500. By lowering the interest rate to 7%, but maintaining the current payment schedule (20 more years of payments in the above example) your payment would drop to about $1,361 and the loan would still be retired at the original 30-year mark.</p>
<h3>2. Longer Term.</h3>
<p>Another way to lower your payment would be to prolong the length of the amortization. For instance, by getting a new 30-year mortgage for $175,500 at the 10-year mark, your payment would drop to $1,167 (at 7%).</p>
<h3><a href="http://wilmingtonncrealestateguide.com/files/2012/01/stack_of_cash.jpg"><img class="alignleft size-full wp-image-1663" src="http://wilmingtonncrealestateguide.com/files/2012/01/stack_of_cash.jpg" alt="" width="166" height="212" /></a>3. Cash Out.</h3>
<p>Some homeowners pull equity out of their properties for home improvement, vacation, college costs, big-ticket purchases or to consolidate debt. Especially when interest rates are rising or stable, cashing-out is often the primary reason for refinancing.</p>
<h3>4. Change Loan Type.</h3>
<p>Other folks refinance in order to change the type of loan they are paying off. Some homeowners grow uncomfortable with the variability of adjustable-rate mortgages and would rather have a fixed-rate loan. Others need to reduce monthly expenses and choose an adjustable-rate loan to lower their payment.</p>
<h3>5. Shorter Term. The rates are still around 4%</h3>
<table width="70%" border="1" cellspacing="0" cellpadding="2" align="right">
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<td colspan="5" valign="top"><strong>Sharpen Your Pencils!</strong></td>
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<td colspan="5" valign="top"><a href="http://wilmingtonncrealestateguide.com/files/2012/01/pencils.jpg"><img class="alignleft size-thumbnail wp-image-1662" src="http://wilmingtonncrealestateguide.com/files/2012/01/pencils-85x150.jpg" alt="" width="85" height="150" /></a>Determining how much you can afford to finance in today&#8217;s market requires careful consideration and a bit of math. If you are thinking about refinancing an existing mortgage or buying a home, use these charts to help you plan. Then call us, so we can answer your questions and help you take the next step!</td>
</tr>
<tr>
<td colspan="5" valign="top"><strong>Monthly Payment: How much can you afford?</strong></td>
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<td colspan="5" valign="top">Lenders will usually allow you to spend 28% of your total&#8211;or gross&#8211;monthly income to make mortgage payments of principal, interest, taxes and insurance. The table below shows how much 28% is at various income levels.</td>
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<tr>
<td><strong>Annual Income</strong></td>
<td><strong>Gross Monthly Income</strong></td>
<td colspan="3"><strong>Affordable Monthly Payment**</strong></td>
</tr>
<tr>
<td>$20,000</td>
<td>$1,667</td>
<td colspan="3">$467</td>
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<tr>
<td>$25,000</td>
<td>$2,083</td>
<td colspan="3">$583</td>
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<tr>
<td>$30,000</td>
<td>$2,500</td>
<td colspan="3">$700</td>
</tr>
<tr>
<td>$35,000</td>
<td>$2,917</td>
<td colspan="3">$817</td>
</tr>
<tr>
<td>$40,000</td>
<td>$3,333</td>
<td colspan="3">$933</td>
</tr>
<tr>
<td>$45,000</td>
<td>$3,750</td>
<td colspan="3">$1,050</td>
</tr>
<tr>
<td height="17">$50,000</td>
<td height="17">$4,167</td>
<td colspan="3" height="17">$1,167</td>
</tr>
<tr>
<td>$60,000</td>
<td>$5,000</td>
<td colspan="3">$1,400</td>
</tr>
<tr>
<td>$70,000</td>
<td>$5,833</td>
<td colspan="3">$1,633</td>
</tr>
<tr>
<td>$80,000</td>
<td>$6,667</td>
<td colspan="3">$1,867</td>
</tr>
<tr>
<td>$100,000*</td>
<td>$8,333</td>
<td colspan="3">$2,333</td>
</tr>
<tr>
<td colspan="5" valign="top">*For incomes over $100,000, add together the two appropriate columns.</td>
</tr>
<tr>
<td colspan="5" valign="top"><strong>Loan Amount: How much can you plan to borrow?</strong></td>
</tr>
<tr valign="top">
<td colspan="5">Once you know how much you can afford monthly, use this table to estimate how much you can borrow. Add your down payment to get an approximate house-hunting price range.</td>
</tr>
<tr>
<td><strong>Monthly Payment** </strong></td>
<td><strong>5%</strong></td>
<td><strong>7%</strong></td>
<td><strong>9%</strong></td>
<td><strong>11%</strong></td>
</tr>
<tr>
<td>$467</td>
<td>86,995</td>
<td>70,194</td>
<td>58,040</td>
<td>49,038</td>
</tr>
<tr>
<td>$583</td>
<td>108,603</td>
<td>87,630</td>
<td>72,457</td>
<td>61,219</td>
</tr>
<tr>
<td>$700</td>
<td>130,399</td>
<td>105,216</td>
<td>86,998</td>
<td>73,505</td>
</tr>
<tr>
<td>$817</td>
<td>152,194</td>
<td>122,802</td>
<td>101,539</td>
<td>85,791</td>
</tr>
<tr>
<td>$933</td>
<td>173,803</td>
<td>140,237</td>
<td>115,956</td>
<td>97,971</td>
</tr>
<tr>
<td>$1,050</td>
<td>195,598</td>
<td>157,823</td>
<td>130,497</td>
<td>110,257</td>
</tr>
<tr>
<td>$1,167</td>
<td>217,393</td>
<td>175,409</td>
<td>145,038</td>
<td>122,543</td>
</tr>
<tr>
<td>$1,400</td>
<td>260,797</td>
<td>210,431</td>
<td>173,995</td>
<td>147,009</td>
</tr>
<tr>
<td>$1,633</td>
<td>304,201</td>
<td>245,453</td>
<td>202,953</td>
<td>171,476</td>
</tr>
<tr>
<td>$1,867</td>
<td>347,791</td>
<td>280,625</td>
<td>232,035</td>
<td>196,047</td>
</tr>
<tr>
<td>$2,333</td>
<td>434,599</td>
<td>350,668</td>
<td>289,951</td>
<td>244,980</td>
</tr>
<tr valign="top">
<td colspan="5">**Principal and interest only; taxes, insurance and any homeowner fees not included. These will raise your monthly payment and reduce the amount of principal and interest and total loan amount you can afford. Loan amounts are based on a 30-year fixed-rate mortgage. For incomes over $100,000, add together the two loan amounts and add your down payment.</td>
</tr>
</tbody>
</table>
<p>Yet another reason for refinancing is to shorten the term of your current mortgage. If your income has grown substantially and you&#8217;re happy living in the same home, you could reduce the length of your loan by simply refinancing to a shorter-term mortgage with a smaller balance but higher payment. Using the above example again, a $175,500 loan paid off in 15 years at 8% would cost you $1,677 each month (about $200 more than for the original loan), but the loan would be paid off relatively quickly&#8211;saving you thousands of dollars in interest payments.<br />
Whatever you decide, be sure to weigh the costs of refinancing carefully. A lower monthly payment may help your cash flow, but is it going to cost you too much up-front to make sense? Be sure you&#8217;ll live in the home long enough to recoup the expenses associated with refinancing&#8211;points, closing costs and fees.</p>
</div>
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		<title>Wilmington NC Does It Again &#124; First in Country to use White Space Network &#124; Wilmington NC real estate</title>
		<link>http://wilmingtonncrealestateguide.com/2012/01/06/wilmington-nc-does-it-again-first-in-country-to-use-white-space-network-wilmington-nc-real-estate/</link>
		<comments>http://wilmingtonncrealestateguide.com/2012/01/06/wilmington-nc-does-it-again-first-in-country-to-use-white-space-network-wilmington-nc-real-estate/#comments</comments>
		<pubDate>Fri, 06 Jan 2012 19:38:42 +0000</pubDate>
		<dc:creator>wilmingtonncrealestateguide</dc:creator>
				<category><![CDATA[Realtor tips]]></category>
		<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[white space network]]></category>
		<category><![CDATA[white space technology]]></category>
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		<category><![CDATA[new hanover county white space]]></category>
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		<guid isPermaLink="false">http://wilmingtonncrealestateguide.com/?p=1641</guid>
		<description><![CDATA[The New Hanover County government is on the cutting edge of new technological advances by utilizing the TV White Space Network &#124; Wilmington NC real estate]]></description>
			<content:encoded><![CDATA[<p><a href="http://wilmingtonncrealestateguide.com/files/2012/01/wifi.jpg"><img class="alignleft size-full wp-image-1643" src="http://wilmingtonncrealestateguide.com/files/2012/01/wifi.jpg" alt="" width="220" height="184" /></a>New Hanover County loves technology&#8230; The New Hanover County government is on the cutting edge of new technological advances by utilizing the TV White Space that was abandoned in 2008 with the national launch of digital TV.  Wilmington was the first test city for the use of the non analog device.  The FCC laid ground rules concerning the use of the White Space Spectrum and New Hanover County is the first to utilize the technology.  The first commercial installation of the White Space network was set up at Hugh McCrae park. Phase 2 will include other parks and gardens such as Vetarans Park and Airlie Gardens.  Wi Fi on caffeine will be available.</p>
<p>&#8220;Community leaders have been eager to keep the area in the race to develop new technologies and uses since the FCC chose the local television market as the first in the country to transition to digital TV.  New Hanover County and Wilmington are also noted in the FCC’s National Broadband plan as a model of the usability of the spectrum.</p>
<p>New Hanover County has provided network IP cameras, Wi-Fi routers, antennas and other hardware as well as technical installation of the new FCC approved radios.  New Hanover County, city of Wilmington and TVBS have been using white spaces for a number of business applications already, including water quality monitoring and security purposes.</p>
<p>Chaney says the county and city governments collaborated on a pilot project that provided Wi-Fi and video surveillance in the Creekwood housing development.  The county is also using white space to automate the collection of water quality data in environmentally sensitive areas that would have required trenching of wires.</p>
<div></div>
<div>In testing white space, Chaney says “We see ranges of up to 1.5 miles on a point-to-point application of the spectrum including signal propagation through vegetation and buildings.  Installing these newly approved radios and appropriate antennas could allow wireless service far beyond traditional boundaries.&#8221;</div>
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		<title>The Spirit of Christmas is to Give of Yourself &#8230;</title>
		<link>http://wilmingtonncrealestateguide.com/2011/12/22/the-spirit-of-christmas-is-to-give-of-yourself/</link>
		<comments>http://wilmingtonncrealestateguide.com/2011/12/22/the-spirit-of-christmas-is-to-give-of-yourself/#comments</comments>
		<pubDate>Thu, 22 Dec 2011 19:52:47 +0000</pubDate>
		<dc:creator>wilmingtonncrealestateguide</dc:creator>
				<category><![CDATA[ability park]]></category>
		<category><![CDATA[Merry Christmas Wilmington Nc]]></category>
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		<guid isPermaLink="false">http://wilmingtonncrealestateguide.com/?p=1636</guid>
		<description><![CDATA[Spend time with family and friends, helping others that do not have what you do. Merry Christmas from Kay Baker &#38; Associates]]></description>
			<content:encoded><![CDATA[<p><a href="http://wilmingtonncrealestateguide.com/files/2011/12/christmasligh.gif"><img class="alignleft size-medium wp-image-1638" src="http://wilmingtonncrealestateguide.com/files/2011/12/christmasligh-300x225.gif" alt="" width="300" height="225" /></a></p>
<h3>Merry Christmas from Our House to Yours.</h3>
<p>Spend time with family and friends, enjoy them richly.  Along the way find a way to help new friends.  This is the time of year that we must remember that it is the giving that is so rewarding.  Giving of your time, crafts, good deeds and helping others.</p>
<p>&nbsp;</p>
<p>&nbsp;</p>
<p>&nbsp;</p>
<p><span style="font-family: georgia,bookman old style,palatino linotype,book antiqua,palatino,trebuchet ms,helvetica,garamond,sans-serif,arial,verdana,avante garde,century gothic,comic sans ms,times,times new roman,serif">I have always thought of Christmas time, when it has come round, as a good time; a kind, forgiving, charitable time; the only time I know of, in the long calendar of the year, when men and women seem by one consent to open their shut-up hearts freely, and to think of people below them as if they really were fellow passengers, and not another race of creatures bound on other journeys. </span></p>
<p><span style="font-family: georgia,bookman old style,palatino linotype,book antiqua,palatino,trebuchet ms,helvetica,garamond,sans-serif,arial,verdana,avante garde,century gothic,comic sans ms,times,times new roman,serif"> ~Charles Dickens</span></p>
<p>Christmas is a necessity.  There has to be at least one day of the year to remind us that we&#8217;re here for something else besides ourselves.  ~Eric Sevareid</p>
<p>Never worry about the size of your Christmas tree.  In the eyes of children, they are all 30 feet tall.  ~Larry Wilde</p>
<p>Christmas is the season for kindling the fire of hospitality in the hall, the genial flame of charity in the heart.  ~Washington Irving</p>
<p>Remember<br />
This December,<br />
That love weighs more than gold!<br />
~Josephine Dodge Daskam Bacon</p>
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		<title>Wilmington NC Miracle Field &#124; Wilmington NC real estate</title>
		<link>http://wilmingtonncrealestateguide.com/2011/12/09/wilmington-nc-miracle-field-wilmington-nc-real-estate/</link>
		<comments>http://wilmingtonncrealestateguide.com/2011/12/09/wilmington-nc-miracle-field-wilmington-nc-real-estate/#comments</comments>
		<pubDate>Fri, 09 Dec 2011 20:00:11 +0000</pubDate>
		<dc:creator>wilmingtonncrealestateguide</dc:creator>
				<category><![CDATA[ability park]]></category>
		<category><![CDATA[Miracle Field]]></category>
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		<description><![CDATA[Miracle Fields &#124; Wilmington NC Miracle League
The Wilmington area is excited to participate in such a wonderful project.]]></description>
			<content:encoded><![CDATA[<p><a href="http://wilmingtonncrealestateguide.com/files/2011/12/miracleleague.png"><img class="alignleft size-medium wp-image-1630" src="http://wilmingtonncrealestateguide.com/files/2011/12/miracleleague-300x255.png" alt="" width="217" height="185" /></a></p>
<p>Wilmington NC is getting  a Miracle Field for the new Miracle League.  Accessible Coastal Carolina Events Sports and Services (ACCESS) was started to bring the field to the area. &#8220;The overall mission of ACCESS is to not only provide an opportunity for those who have not yet had the chance to experience the power of play and the joy of sports but to also show the importance of inclusion within a community. Creating a place where people of all ages, races, and abilities can actively participate together, will naturally allow relationships to develop as people share interest. More importantly it is opening the door to a better world for everyone.&#8221; The Miracle League was started in the late 1990&#8242;s in Rockdale Youth Baseball program in Atlanta.  They recognized the need to include all children in a sport regardless of their abilities.  Hence the Miracle Field was started.  People of all abilities and ages could play baseball.  Eventually the fields were made to  have a rubber, non-latex surface that is helpful and safe for persons with any mobility difficulties.  The Wilmington area is excited to participate in such a wonderful project.  The fields will be built at Olson Fields off Murrayville Road. There will be playgrounds for all abilities and restrooms.  The project has raised 87.5% of it&#8217;s goal of 1.2 million dollars.  If you would like to donate in someones name as a gift for Christmas, what a great way to honor them.  The Miracle Field is truly a &#8220;miracle&#8221;  Please watch this video of the Wilmington Miracle Field.  For more information or to donate online, please visit www.miracleleaguewilm.org/</p>
<p><a href="http://wilmingtonncrealestateguide.com/2011/12/09/wilmington-nc-miracle-field-wilmington-nc-real-estate/"><em>Click here to view the embedded video.</em></a></p>
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		<title>PRICING: Beat Your Competition To The Contract &#124; Wilmington NC real estate</title>
		<link>http://wilmingtonncrealestateguide.com/2011/12/02/pricing-beat-your-competition-to-the-contract-wilmington-nc-real-estate/</link>
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		<pubDate>Fri, 02 Dec 2011 19:47:42 +0000</pubDate>
		<dc:creator>wilmingtonncrealestateguide</dc:creator>
				<category><![CDATA[certified distressed property expert]]></category>
		<category><![CDATA[How to price a home]]></category>
		<category><![CDATA[Price your home to sell]]></category>
		<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[Wilmington NC Market Statistics]]></category>
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		<category><![CDATA[price]]></category>
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		<guid isPermaLink="false">http://wilmingtonncrealestateguide.com/?p=1623</guid>
		<description><![CDATA[To sell your home quickly for top dollar in today's market, the best move you can make is to price the property at its current market value. Wilmington NC real estate]]></description>
			<content:encoded><![CDATA[<h1><span style="color: #808080"><strong>PRICING:</strong> </span></h1>
<h1>
<span style="color: #808080"> Beat Your Competition To The Contract</span></h1>
<p><a href="http://wilmingtonncrealestateguide.com/files/2011/12/jones-91011-278.jpg"><img class="alignleft size-medium wp-image-1625" src="http://wilmingtonncrealestateguide.com/files/2011/12/jones-91011-278-300x200.jpg" alt="" width="227" height="151" /></a>To sell your home quickly for top dollar in today&#8217;s market, the best move you can make is to price the property at its current market value. When you set the right price on your home, you have an edge on your competition.</p>
<p>Here&#8217;s how setting the right price helps you:</p>
<p>You tap the pent-up demand of buyers who have already seen everything on the market and are waiting for new home listings.</p>
<p>You target the right group of prospects &#8212; the ones who can afford your home and are looking at similar properties.</p>
<p>Your home will compare favorably with other homes potential buyers see because yours will look better than overpriced homes in your category.</p>
<h3>Perils Of Overpricing</h3>
<p>Overpricing your home gives the advantage to your competition &#8212; the other homes on the market. The buyers you want to attract won&#8217;t see your home because they are only looking at homes listed in their price range.</p>
<p>Prospective buyers who do see your home realize they can get a better deal elsewhere. If it&#8217;s your home they want, they may choose to wait until you lower the price. And if you do reduce the price, other potential buyers wonder why the home has been on the market so long.</p>
<p>The right price is determined by the size, condition and location of your home, what comparable homes are selling for at the time you list yours, and the balance of supply and demand in your area.</p>
<h3>Strategic Pricing</h3>
<p><img src="http://www.yourhome123.com/assets/images/content/reports/images/settlement2.jpg" alt="{short description of image}" width="190" height="190" align="right" />Setting the best price to list your home is part science, part art. There are several aspects of the home&#8217;s value we consider when making pricing recommendations.</p>
<p><strong>1. Comparison.</strong> Where does your home fit in the Wilmington NC marketplace? It should be priced to be competitive with comparable homes in the same area.</p>
<p><strong>2. Negotiation.</strong> The price should allow some space to make concessions in order to close the deal.</p>
<p><strong>3. Return.</strong> The listing price should be set so you net the most money possible from the sale.</p>
<p><strong>4. Target.</strong> Ideally, the price is adjusted to the top of a multiple listing category, so the home&#8217;s features compare favorably with lower-priced homes in the range. (If it is placed at the bottom of the next higher price grouping, the higher-priced homes will look better and sell more quickly.)</p>
<h3>Other Factors</h3>
<p>Unfortunately, what you paid for your home is not a factor in determining its market value. Neither is what you would like to get out of the home. Some home improvements you&#8217;ve made may add to the market value, however. Having the home in picture-perfect condition from the first day of the listing may also increase the value of your home. But mostly, these will help you sell faster, and that could mean a sale price close to your asking price.</p>
<p>Call us to find out more about how you can price your Wilmington NC real estate to sell it quickly. We&#8217;ll be happy to conduct a FREE market analysis to find the best price for listing your home.</p>
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		<title>The Real Meaning Of Thanksgiving &#124; Sharing</title>
		<link>http://wilmingtonncrealestateguide.com/2011/11/22/the-real-meaning-of-thanksgiving-sharing/</link>
		<comments>http://wilmingtonncrealestateguide.com/2011/11/22/the-real-meaning-of-thanksgiving-sharing/#comments</comments>
		<pubDate>Tue, 22 Nov 2011 20:35:48 +0000</pubDate>
		<dc:creator>wilmingtonncrealestateguide</dc:creator>
				<category><![CDATA[thanksgiving wilmington nc]]></category>
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		<guid isPermaLink="false">http://wilmingtonncrealestateguide.com/?p=1613</guid>
		<description><![CDATA[The Real Meaning Of Thanksgiving &#124; Sharing &#124; Wilmington NC real estate]]></description>
			<content:encoded><![CDATA[<p><span style="font-family: georgia,bookman old style,palatino linotype,book antiqua,palatino,trebuchet ms,helvetica,garamond,sans-serif,arial,verdana,avante garde,century gothic,comic sans ms,times,times new roman,serif">To speak gratitude is courteous and pleasant, to enact gratitude is generous and noble, but to live gratitude is to touch Heaven.  ~Johannes A. Gaertner</span></p>
<p><span style="font-family: georgia,bookman old style,palatino linotype,book antiqua,palatino,trebuchet ms,helvetica,garamond,sans-serif,arial,verdana,avante garde,century gothic,comic sans ms,times,times new roman,serif"><br />
We would like to wish each and every one of you a Happy Thanksgiving.  No matter where you may be celebrating this day of thanks, may you be filled with gratitude and good feelings.  This time of year is a time to share your talents and good fortunes.  One of the best good fortunes for you to share is your time.  Our great city has plenty of volunteer opportunities to help those that are less fortunate.  The Wrightsville Beach Magazine has a list of organizations that could use your help.  Get involved, meet new people and share your enthusiasm for our hometown.  Enjoy family and friends and reach out to those who might not have the chance to do the same.  </span></p>
<p><span style="font-family: georgia,bookman old style,palatino linotype,book antiqua,palatino,trebuchet ms,helvetica,garamond,sans-serif,arial,verdana,avante garde,century gothic,comic sans ms,times,times new roman,serif">For a list of opportunities please click the cover photo.</span></p>
<p><span style="font-family: georgia,bookman old style,palatino linotype,book antiqua,palatino,trebuchet ms,helvetica,garamond,sans-serif,arial,verdana,avante garde,century gothic,comic sans ms,times,times new roman,serif"><a title="volunteer in wilmington nc" href="http://www.wrightsvillebeachmagazine.com/flash/2011-volunteer/flash.html#/1/"><img class="aligncenter size-medium wp-image-1616" src="http://wilmingtonncrealestateguide.com/files/2011/11/volunteer-300x197.png" alt="" width="300" height="197" /></a><br />
</span></p>
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		<title>Just Released &#124; Coldwell Banker Sea Coast and Coldwell Banker Advantage to Merge &#124; Wilmington NC real estate</title>
		<link>http://wilmingtonncrealestateguide.com/2011/11/17/just-released-coldwell-banker-sea-coast-and-coldwell-banker-advantage-to-merge-wilmington-nc-real-estate/</link>
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		<pubDate>Thu, 17 Nov 2011 20:17:07 +0000</pubDate>
		<dc:creator>wilmingtonncrealestateguide</dc:creator>
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		<category><![CDATA[Wilmington NC Market Statistics]]></category>
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		<description><![CDATA[Two top realtor firms in the Southeast to Merge.  A Win Win situation
Wilmington NC real estate]]></description>
			<content:encoded><![CDATA[<p style="text-align: center"><a href="http://wilmingtonncrealestateblog.files.wordpress.com/2011/11/scad.jpg"><img class="aligncenter size-medium wp-image-1282" src="http://wilmingtonncrealestateblog.files.wordpress.com/2011/11/scad.jpg?w=300" alt="" width="300" height="94" /></a></p>
<p>For Release November 17, 2011</p>
<p>Merger of Two Top-Selling Coldwell Banker Franchises Creates State’s Third-Largest Residential Real Estate Brokerage Two of the top-selling Coldwell Banker franchises in North Carolina have joined forces, creating the state’s third-largest residential real estate brokerage company. The merger of Coldwell Banker Sea Coast Realty of Wilmington and Coldwell Banker Advantage of Raleigh and Fayetteville creates a regional powerhouse with a sales team of more than 600 agents and 26 sales offices in Raleigh, Wilmington, Fayetteville, Jacksonville and other Eastern North Carolina markets. The two companies combined to generate more than $1.3 billion in sales volume from 6,500 real estate transactions in 2010, which would have ranked the merged company as the state’s third-largest brokerage, according to REAL Trends, a real estate industry trade magazine. Those totals would also have ranked among the top 55 brokerages in the country in sales volume and among the top 75 in transactions, according to the magazine. The two companies are on track to surpass last year’s sales and transactions totals in 2011, having already exceeded $1 billion in sales and 6,000 transactions through October, according to statistics provided by local offices of the Multiple Listing Service (MLS). The merger was announced by Coldwell Banker Real Estate Corporation CEO Jim Gillespie on Thursday, November 17th in separate news conferences in Raleigh and Wilmington. “Today’s merger creates the fifth largest Coldwell Banker affiliated company in North America,” Gillespie said. “Coldwell Banker Advantage and Coldwell Banker Sea Coast Realty have been long-time members of the Coldwell Banker Chairman’s Circle, representing the best-of-the-best of our great brand,” he said. The new company – to be called Coldwell Banker Sea Coast Advantage – will be led by co-CEOs Tim Milam of Sea Coast Realty and Gary Rabon of Advantage. “This is a true merger of equals,” Milam said. “It is not an acquisition. I want to emphasize that in the strongest possible terms. All owners of both companies will remain owners with the new company. Neither company is buying the other. Instead we’re joining forces to compete more effectively in today’s challenging marketplace. “Gary and I have been friends for years,” he added. “Our companies have been built on similar values and culture. We’ve talked about merging for at least the last five years, and finally decided this summer the time was right to get it done.” Rabon added: “This is a merger where both companies are strengthened. It builds our regional footprint and enables us to do an even better job of supporting our team of brokers and agents in the field. It also creates a lot of synergies in terms of marketing, training and technology.” The merger brings together two companies that have dominated their respective markets. SeaCoast Realty is currently the number one brokerage in Wilmington, Brunswick County, Topsail and Jacksonville with over 23 percent of the market. Advantage, meanwhile, ranks number four in Raleigh and number one in Fayetteville, according to MLS statistics. Both have emerged as leaders in North Carolina’s fast-growing military market, with strong positions among military families in Fayetteville and Jacksonville – home of Fort Bragg and Camp LeJeune, respectively. The merged companies will also have an advantage in serving the two-way traffic between the Raleigh/Research Triangle and the Wilmington/Wrightsville Beach markets, Rabon said. “There’s a lot of cross-pollination on I-40 in both directions,” he said. “Triangle families are looking in Wilmington area for second-home opportunities, while a lot of Wilmington area families are looking to move to the Triangle for job opportunities. “The merger gives us an even better connection to this growing segment of the market, one that we are both going to capitalize on.” CONTACT: Tim Milam Coldwell Banker Sea Coast Advantage (910) 202 2501 Gary Rabon Coldwell Banker Sea Coast Advantage (919) 846 3305</p>
<p>Welcome Coldwell Banker Advantage, we look forward to working with you.  Kay Baker and Associates &#8211; <a href="http://www.cbbaker.com">www.cbbaker.com</a></p>
<p>tab.ink</p>
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		<title>11.1.11 Veterans Day &#124; Take a moment and thank a Vet</title>
		<link>http://wilmingtonncrealestateguide.com/2011/11/11/1-1-11-veterans-day-take-a-moment-and-thank-a-vet/</link>
		<comments>http://wilmingtonncrealestateguide.com/2011/11/11/1-1-11-veterans-day-take-a-moment-and-thank-a-vet/#comments</comments>
		<pubDate>Fri, 11 Nov 2011 20:24:16 +0000</pubDate>
		<dc:creator>wilmingtonncrealestateguide</dc:creator>
				<category><![CDATA[1.11.11]]></category>
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		<description><![CDATA[11.11.11

﻿Happy Veterans Day.  A huge thank you for all of you that have served or are serving our great Country. 
]]></description>
			<content:encoded><![CDATA[<p><a href="http://wilmingtonncrealestateguide.com/files/2011/11/11poster_highres.jpg"><img class="alignleft size-medium wp-image-1598" src="http://wilmingtonncrealestateguide.com/files/2011/11/11poster_highres-194x300.jpg" alt="" width="194" height="300" /></a> 11.11.11</p>
<p>Happy 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” &#8211; 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.”</p>
<p>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&#8217;s veterans for their patriotism, love of country, and willingness to serve and sacrifice for the common good.</p>
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		<title>Tire Kicking &#124; Secret Tests To Check a Property&#8217;s Condition &#124; Wilmington NC real estate</title>
		<link>http://wilmingtonncrealestateguide.com/2011/11/04/tire-kicking-secret-tests-to-check-a-propertys-condition-wilmington-nc-real-estate/</link>
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		<pubDate>Fri, 04 Nov 2011 18:48:16 +0000</pubDate>
		<dc:creator>wilmingtonncrealestateguide</dc:creator>
				<category><![CDATA[home inspection]]></category>
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		<guid isPermaLink="false">http://wilmingtonncrealestateguide.com/?p=1587</guid>
		<description><![CDATA[Check your future home out before you buy. Visit www.cbbaker.com for all Wilmington NC real estate]]></description>
			<content:encoded><![CDATA[<div>
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<h1><strong>TIRE KICKING:</strong><br />
Secret Tests To Check A Property’s Condition</h1>
<p>&nbsp;</p>
<p>&nbsp;</p>
<p><a href="http://wilmingtonncrealestateguide.com/files/2011/11/homeinspt.jpg"><img class="alignleft size-medium wp-image-1589" src="http://wilmingtonncrealestateguide.com/files/2011/11/homeinspt-300x237.jpg" alt="" width="236" height="186" /></a>If you’re considering buying a house that’s more than a few years old, there may be some hidden problems you can discover before you make a purchase offer. Although putting a professional inspection contingency in the contract will help protect you from surprises, doing your own inspection before making an offer could save you considerable time and money.How can you tell if a property is worth buying? Here&#8217;s how to look at the big picture &#8212; for structural concerns, major repairs that are needed, appliances that have to be replaced.</td>
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</table>
<h3>Crawl The Walls</h3>
<p>Start going to the right when you enter the house, and keep on following to the right. You will check each wall that way. Do the same on every floor. Look for settlement cracks, separating joints, defective plaster or other signs of stress or damage. Check wallpapered areas for crinkling or gathering, which may mean walls are settling or shifting.</p>
<h3>Look For Leaks</h3>
<p>Loose or wrinkled wallpaper could indicate a water leak somewhere. Look for water stains on the ceiling and walls. You may have to look closely &#8212; bring a flashlight &#8212; in case they have been painted over or repaired.Spend time in the bathrooms and in every area with pipes, checking for leaks and drips. Also, run the shower and basin, then flush the toilet to check water pressure. Look for cracked or loose tiles and missing grout or mildew stains on the walls or floor, which could indicate a behind-the-wall leak.</p>
<h3>Plug Into The Electrical System</h3>
<p>Check every electric socket or outlet. Use a plug-in night light and turn every switch on and off. Look for extension cords and multiple plugs in sockets, which could mean insufficient or poorly placed sockets. Also check every appliance to be sure it works well.</p>
<h3>Focus On Condition</h3>
<p>Open and close every door and window. Look and listen for squeaking, sticking, or a tendency to close on their own. Check for evidence of shifting or settling around the front stoop, chimney and walks, and places where the driveway and the fence meet the house. Also check the deck for sturdiness and look for rotted wood. Go into the garage and check the walls, floors and doors &#8212; inside and out.</p>
<h3>Pay Attention To Pests</h3>
<p>Look for termites and ants. Especially look along the foundation, around doors and entry points of wiring and pipes. Check the grading of the yard to be sure water runs away from the house.If everything looks good to you and you decide to purchase the house, be sure to require a home inspection by a professional inspector before settlement. You will want a professional who will crawl into the crawl space, climb onto the roof and poke around with a flashlight in the attic. Your professional should also carefully inspect the major systems &#8212; electrical, gas, plumbing and heating/air conditioning.</p>
<p>You can and should insist on a written report detailing what the problems are with the house, how important each one is. You may have to consult a contractor to estimate repair costs on any problems found.</p>
<p>We have a list of local service providers that will help you with your inspections. V<a title="www.cbbaker.com" href="http://www.seacoastrealty.com/concierge/">iew here&#8230;.</a></p>
<p>For all your Wilmington NC real estate needs,  please visit www.cbbaker.com</p>
</div>
<p>&nbsp;</p>
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