New on the market!
800 Cedar Ramble Lane, Bridgers Creek
802 Cedar Ramble Lane, Bridgers Creek
Gorgeous almost one-acre wooded waterfront estate home site with lush live oak trees and expansive views from all angles. Enjoy the neighborhood kayak launch / day dock, walking trails, relaxing bridges and gazebos. This is a very special neighborhood in the popular Middle Sound community.
Call 910-395-1000 to schedule an appointment!
INSPIRATION FOR TODAY:
"Lose this day loitering - 'twill be the same story
To-morrow - and the next more dilatory;
Each indecision brings its own delays,
And days are lost lamenting o'er lost days.
Are you in earnest? seize this very minute -
Boldness has genius, power and magic in it.
Only engage, and then the mind grows heated -
Begin it, and then the work will be completed!"
- Johann Wolfgang von Goethe
Ever driven a car? Of course you have, but what makes it move?
You enter a car with a standard transmission, place it in neutral, and start the engine. It idles - waiting for what? The engine is running, but you are going nowhere. What must be done to get to your destination?
Your vehicle is like your mind and body. Goethe says, "Are you in earnest? . . . Boldness has genius, power and magic in it." He questions whether you are in earnest . . . calls attention to the fact that there is genius, power and magic in boldness. It's like your vehicle idling in neutral. It has the power to take you wherever you want to go . . . yet is goes nowhere - until what happens?
"Only engage," urges Goethe. The only thing keeping you from moving is your willingness to engage. Place the transmission in first gear, and what happens? You begin moving - slowly at first. Moving the gearshift into 2nd, your movement speeds up. As it does, you are soon in 3rd, and well on the way to your destination.
Goethe speaks of achieving your objectives in life: "Only engage, and then the mind grows heated . . . ." In other words, put your life in gear - get started - get moving! When you do . . . when your "mind grows heated" . . . that which you desire to achieve will be attracted to you.
So - what do you say? Are you in earnest?
Financial Aid Programs for Disabled Home Buyers
By: M Shane
An essential part of the American dream has always included home ownership. People with mental or physical limitations also share this dream, and for them, owning their own home can mean an independent life for the first time ever. While their disabilities may pose some limitations on the number of suitable properties on the market, often their biggest hurdle is a lack of financial resources.
Depending on the type and severity of the disability, a person might not be able to work full-time. If that's the case, he or she is likely dependent on income assistance. Typically, income assistance barely pays enough for a person to scrape together a living, never mind buy a house. Fortunately, there are programs out there that offer financial assistance to disabled buyers, thus empowering them to gain independence and own their own home.
FHA-insured home loans aren't strictly for people with disabilities, but assist all low-income earners with buying a house. If the following statements apply to your situation, you may be interested in learning more about FHA-insured loans:
- you're a first time buyer
- your credit is flawed, or hasn't been established enough to have a high score
- you don't have enough money for a traditional down payment
- you need to maintain low monthly payments over the course of the mortgage
FHA loans are a very attractive option for low-income buyers. Their benefits include:
Fannie Mae Community HomeChoice with PHFA...
- A smaller down payment. The amount required is just 3.5%, and the down payment can come from an employer, family member, or charity.
- Less stringent qualifications. People with less than stellar credit can apply for FHA-insured loans, and because the loan is insured by the FHA, banks may be willing to relax their application standards.
INSPIRATION FOR TODAY:
"Leaders are like eagles. They don't flock - you find them one at a time."
In Stephen Covey's "Seven Habits," he talks about focusing on the important to the exclusion of the unimportant. In his own words, "The main thing is to keep the main thing the main thing."
See if you recognize which motivational trainer espoused this similar philosophy:
"There are things within your power, and there are things beyond your power. Within your power are opinion, aim, desire, aversion; in a word, whatever affairs are your own. Beyond your power are body, property, reputation, office; in a word, affairs not properly your own. Concern yourself only with what is within your power.
The essence of good consists of things within your own power; with them there is no room for envy or emulation. For your part, do not desire to be a general, or a senator, or a consul, but to be free; and the only way to do this is a disregard of things which do not lie within your own power."
If you guessed Zig Ziglar, Howard Brinton, or Anthony Robbins, guess again. Its author referred to it as a "field manual for soldiers." It was carried by Frederick the Great on all his...
New on the market!
5917 Rowsgate Lane, Belmar Forest, $265,000
This lovely 3 bedroom, 2.5 bath home with a FROG in the neighborhood of Belmar Forest. The front porch is surrounded by nice landscaping offering wonderful curb appeal that is very warm and inviting! No detail has been overlooked from the high ceilings boasting tons of character to the wood flooring & crown molding. Features include a spacious great room with a wood burning fireplace, formal dining room, bonus room/office area & more. Lots of counter space and warm, wood grain cabinets enhance the delightful kitchen which offers a great kitchen island with granite counter top, breakfast nook & wonderful bay window. The master bedroom is filled with sunlight and also features a vaulted ceiling while the master bath showcases a custom stone floor, garden tub, and dual vanity. Look out onto the expansive backyard where there's plenty of room for pets, a play area or cookouts with the neighbors!
INSPIRATION FOR TODAY:
"You cannot discover new oceans unless you have the courage to lose sight of the shore."
ELIMINATE THE BOX!
It was refreshing to read the article entitled "Thirty Under Thirty" in the REALTOR(r) magazine. Thirty agents under the age of thirty talked about their approach to real estate, and most seemed to "think outside the box." They didn't appear to be bound by conventional rules of marketing conduct. Think back to when you were a young child. You were totally uninhibited by rules, so you weren't afraid to try new things.
Back then, there wasn't even a "box" to confine your thinking or actions. You did whatever worked for you. Then, you began to grow up and your parents, then your teachers, began building a box for you. "Stay in line, be quiet, don't touch this or that," they admonished. "Good little girls and boys don't talk back, eat snacks between meals, or chew with their mouths open. "The rules got more sophisticated as you got older, and you began to conform. Now you're all grown up, comfortable in the box the world built for you, and it's not so easy anymore to "think outside the box".
Not so for the newcomers - the youth of the real estate industry. They are enthusiastic, energetic, and with their "no rules" thinking, they're going to mop up on those competitors who are too comfortable in their box. If you've been in the business for more than ten years,...
Time to buy yet??
Here's the link from CNBC...
Mortgage rates dropped to the lowest level in decades for the sixth time in seven weeks, offering the most attractive opportunity for those who qualify to refinance or purchase a home.
Government-controlled mortgage buyer Freddie Mac said Thursday that the average rate for 30-year fixed loans this week was 4.49 percent, down from 4.54 percent last week. That's the lowest since Freddie Mac began tracking rates in 1971.
The average rate on the 15-year fixed loan dropped to 3.95 percent, down from 4 percent last week and the lowest on record.
Rates have fallen since spring as investors seek the safety of U.S. Treasury bonds. That has lowered the yield on Treasurys. Mortgage rates tend to track those yields.
The last time home loan rates were lower was during the 1950s, when most mortgages lasted just 20 or 25 years.
Low rates have sparked some activity in the weak housing market, but not a massive boom in refinancing.
New on the market!
3703 Providence Court, Carriage Hills, $225,000
This lovely 3 bedroom 2 bath home located in Carriage Hills comes with newer carpet, new roof and new water heater, a 2 car garage and an incredible fenced in backyard. The delightful eat in kitchen has tile flooring, plenty of cabinet space, double sink, dishwasher, microwave, disposal and a built in desk space. The open living room flows into the dining area for extra entertaining space. The Master bedroom comes with a ceiling fan, carpet and a spacious walk in closet. The Master bathroom features a garden tub and stand up tiled shower. Additional features of the home include an irrigation system on a well for extra savings on your water bill and a back patio perfect for your BBQ. The sellers are offering a home warranty for extra comfort. Don't forget the neighborhood amenities that include a pool, tennis court and playground.
12 Tips to Make Your Move Simple
Moving is a stressful event, there’s no doubt. From the minute you decide to pack up, there are many decisions to be made and boxes to be packed.
Here are 12 tips, according to the American Moving & Storage Association, to make your move simple and avoid the hassle.
Choose a type of move: You have three basic choices: do-it-yourself, full service and a relatively new hybrid of the two. Going it alone is the cheapest alternative, costing the rental price of a truck, gasoline, packing materials and, perhaps, pizza and beer for friends you rope into helping. With full-service moves, moving within a state is charged by the hour, while moving across state lines is charged by weight and mileage.
With a hybrid move, a mover will drop off a large container at your home for you to pack. The mover will then load the container onto a truck, drive the belongings to your new location and drop off the container for you to unload. Because you’re doing the manual labor of packing and unpacking, it’s far less costly than a full-service move.
Hire a quality mover: If you hire help, get at least three price quotes and do your homework before selecting a mover. Seek recommendations by talking with family and friends, even your Facebook circle. Investigate a company’s reputation with the Better Business Bureau (bbb.org), Yelp.com and possibly the paid-membership site Angie’s List (angieslist.com). Check a company’s complaint history at the federal government site, ProtectYourMove.gov.
“People think a good reputation equals expensive, but that’s not true,” said Laura McHolm, co-founder of NorthStar Moving in Los Angeles. “You don’t get a good reputation...
It was a great pleasure and learning experience to meet and spend time with the founder, and the man still driving the ship, of RE/MAX International Dave Liniger. Dave has been on on the forefront of real estate agent training and sales since the 1970s and has been credited with allowing AGENTS to become what real estate is all about instead of the brokerages they work for. Everybody knows that people deal with people and that's how real estate buyer and sellers choose their agent of choice.