Charlotte NC Real Estate - Your Charlotte Real Estate Agent

Charlotte Real Estate - Charlotte Homes For Sale

Charlotte Real Estate - Charlotte Homes For Sale

Search all Charlotte Real Estate listings! Home interest rates are low and greater Charlotte Real Estate is priced aggressively! Fantastic deals abound within Charlotte Homes for Sale! Our greater Charlotte real estate market includes new homes, foreclosures and short sales! Homes in many Charlotte subdivisions remain popular; Charlotte developers are still building new homes! Charlotte homes for Sale, including Charlotte Suburbs provide a great place to live and raise a family! Charlotte Foreclosures and Charlotte short sales remain a very popular portion of all Charlotte Homes for Sale! Who does not want a home at a discount? View all Charlotte Real Estate listings including our greater Charlotte Real Estate Suburbs!

Search Charlotte Real Estate Listings

As an experienced Charlotte Real Estate Agent / Realtor, you are assured professional Real Estate services. Explore this Charlotte Real Estate Map and learn about our greater Charlotte area. Contact me, Rick Waite for the latest local Charlotte Real Estate listings at 704.770.6559 today!

Search Featured Charlotte Homes For Sale

Visit Charlotte neighborhoods such as Myers Park Homes, Ballantyne Homes for Sale and Homes in Piper Glen. Request a custom Charlotte real estate home search for Charlotte Foreclosure homes. Consider Charlotte country club homes, Charlotte lakefront communities, Golf Course Communities, Charlotte Luxury Homes, Charlotte Gated Communities and so much more!

Charlotte Foreclosures: The demand for Charlotte Foreclosure homes for Sale remains strong. Request a custom Charlotte Foreclosure Homes search but please be specific of your price range, area and size of home.

Charlotte Short Sales: The greater Charlotte Real Estate market has many Short Sale opportunities! Learn about the Short Sale Process. There is less competition with Charlotte Short sales! Short Sales require experienced with all aspects of the process! Whether you are need to sell as a Charlotte Short Sale or any other type of Charlotte area homes, let's begin with a conversation!

Search for Charlotte Land - Charlotte Property for Sale for that ideal future home in Charlotte NC. Looking for Charlotte Homes for Sale with acreage?

Many people are seeking Charlotte Townhomes - Charlotte Condos for Sale. Charlotte Uptown Condos are very popular along with a variety of Charlotte real estate in our surrounding areas!

Charlotte Dream Home Search: Request a personalized "Charlotte Realty Dream Home" search established with your Charlotte NC home criteria. You will receive new real estate listing notifications as Homes for sale in Charlotte first hit the market! Let's focus on what is important for your Charlotte Area Homes for Sale.

Charlotte Location: Charlotte Real Estate is located on the south/south central side of North Carolina. Our terrain is reasonably flat but has soft rolling hills. We border York County South Carolina, Fort Mill and Indian Land SC. We are conveniently located 2 to 3 hours from North Carolina Mountain Property and 3+ hours to North Carolina Oceanfront property. We are also only 3 hours from South Carolina Oceanfront Homes such as Real Estate in Charleston SC.

Charlotte Retirement Homes: Search Charlotte Retirement Communities or Charlotte Active Adult Communities? Charlotte retirement properties are popular and we have your ideal Charlotte Real Estate retirements homes.

There are multiple factors to consider before you purchase Charlotte Homes for Sale. The success of your Charlotte relocation is dependent upon the cost of your ideal Charlotte Home, your Charlotte neighborhood, Charlotte Schools, your commute and Charlotte Property Tax Rates. Your Charlotte Property Investment decision is critical! The ideal piece of Charlotte Real Estate is awaiting your family!

Charlotte Real Estate Listings Charlotte Homes for Sale Charlotte NC Real Estate Charlotte Real Estate Charlotte North Carolina Real Estate

Homes for sale in Charlotte NC

Stay up to date with the greater Charlotte Real Estate market including Charlotte Suburbs, home sales, foreclosures and short sales!

Charlotte NC Real Estate
Great Deals in Charlotte Real Estate	12/24/2011 4:39 PM
How is the Charlotte Real Estate market? Charlotte experienced explosive growth from 2005 through 2007 but has slowed down to moderate growth since then. That spells opportunity! As people relocate, after they become more established, many decide to purchase a new Charlotte area home. In the process, many people have moved up, down sized and some relocated back to job relocations or family reasons. In the mean time, since the national economy stalled, there are great deals in Charlotte Foreclosures and Charlotte Short Sales. There is a lot of competition for Foreclosures and Short Sales but the reward is worth it. The homes are priced aggressively and many are move in ready. Search Charlotte Homes for Sale and find the perfect deal for you and your family! A great home at a discount; a deal of a life time.
Property Taxes in North Carolina	11/28/2011 10:14 PM
How are homes taxed in North Carolina? Will my property taxes change after I buy my new home? These are common questions as buyers are considering Charlotte Real Estate. In North Carolina Real Estate is assessed by County every 4 to 8 years. Assessed Values are based on the current market value at the time of assessment. How about if I pay a lot less than the assessed value? Will my taxes be decreased? The simple answer: No. Your property values will only be adjusted when the entire County is assessed. At that time it depends if the market value is for your home. So how can I use the assessed tax value to compare home values? If trying to compare property tax values, you must compare values within the same County. This way you can see how the home price compares to other homes within the County. Now this is helpful in Charlotte and Mecklenburg County since the assessment was last year. After a couple of years, neighborhood/home values vary. Some neighborhoods will increase in value while others will decrease. Charlotte Homes remain a great value! The best way to compare values is with your Charlotte area Realtor. I am familiar with the greater Charlotte area and all of our surrounding counties (including South Carolina). Visit Charlotte Real Estate to discover more about the greater Charlotte Housing Market. I will work with you through the the entire process including Foreclosures, short sales, new homes, financing, home inspections and much more. Let me know how I can help.
What is a short sale?	11/9/2011 9:01 PM
Many people are struggling with bills and behind on their mortgages. It leaves many feeling helpless and the calls continue making you feel worse. Keep in mind that there are options but every day counts. You do have options. Do you owe more on your home than the current market value? You really need to call the lender and discuss options. Is there a possibility to rework your mortgage? Did you consider a short sale? You need to qualify for a short sale with your lender. Ultimately, you are asking the bank to accept the loss and allow you to sell your home at current market value. As you begin, the first step is to confirm you have a legitimate financial hardship. As a Realtor in the greater Charlotte area, I have worked with multiple home owners that are in a short sale situation and help them work through the process. I help throughout the process. How do we make the best of a bad situation? I am here to help. Give me a call today and I will help guide you through these difficult times.
Fort Mill Homes for Sale and Foreclosures	11/5/2011 8:00 PM
The Fort Mill Real Estate market remains strong. How can I make this statement? The rule of measure that I am using, based on the current national real estate market, is the ratio of home sales to distressed home sales. Distressed sales are Foreclosures (transfer due to loan default), short sales, HUD homes and VA homes. Each region of the country is different but I compare Fort Mill SC Real Estate to the greater Charlotte Real Estate region. This ratio allow us to compare "apples to apples" and allows you to actually see how the markets compare. The Fort Mill distressed sales I am comparing are the homes in York County SC. There are also homes in Lancaster County with a Fort Mill mailing address. This area is actually "Indian Land" but Indian Land does not have a US post office. 16% of the current Charlotte Real Estate listings are distressed sales. In October 2011, of the total homes that sold in the greater Charlotte Real Estate region, 32.6% were distressed sales. This shows that a disproportional amount of the home sales in October were distressed sales. Now let's see how this compares to Fort Mill SC. Currently, 11.6% of the current Fort Mill Real Estate listings are distressed sales. The distressed Fort Mill Homes that sold in October 2011 were 11.1%. This is almost 1/3 of the rate as compared to the greater Charlotte Real Estate region! The ratio also shows that the vast majority of the Fort Mill Real Estate Sales are regular sales (not foreclosures or short sales). This is based on an abundance of reasons including low property taxes, great schools, low gasoline tax and convenience to uptown Charlotte. Distressed sales are ultimately the result of more people wanting to move from an area than want to buy a home in the same area. This is a very basic economic principle of supply and demand. The less the demand, the lower the home prices and the higher the foreclosure rates. Contact me today and discover the ideal home in the area that best suits your real estate needs. Keep in mind that each area is different. The best deal is the home that exceeds all of your expectations but the most important factor is your quality of life. What do you want in your Charlotte area home?
Charlotte Short Sales Continue to Improve	10/21/2011 12:15 PM
Many buyers of Charlotte area short sales (and short sales throughout the nation) are noticing that short sales are having shorter and shorter wait times. Short Sales were taking 6 plus months to compete back in 2008. Times have changed. Many short sales are closing in 3 to 4 months in our market. This is largely the result of both improved lender processes/procedures in addition to more and more Realtors gaining invaluable experience to expedite the sales. There are many steps to purchasing a short sale but all you need is patience. The benefits of a short sale is that you can still purchase a home below market value without the competition of a Charlotte area Foreclosure. The key of a successful short sale is to make the offer reasonable and be certain that this is your ideal home. If your short sale home is not your "dream home" then you will likely get tired of waiting and want another home prior to ever getting a response from the bank. If you are interested in finding a great deal in the Charlotte Real Estate market, consider Charlotte area foreclosures. Visit Charlotte Real Estate and begin your Charlotte Home Search and discover the opportunity in our market!

Charlotte Homes for Sale Blogs

Keep up to date via my various blogs on Charlotte Foreclosures, Short Sales, New Construction and overall market trends.

Charlotte Homes for Sale
Charlotte Short Sales Tips	1/19/2012 12:41 PM
I visited the Charlotte Court House again this week. One crucial thing that many agents neglect are the Hearing dates for pending foreclosures. I have a couple of Sort Sale listings that are under contract. The court dates are very important; communication is essential. I spoke at the hearing and request an extension so that we have time to close on homes already under contract. The courts are very flexible and very much prefer you to sell your home on a short sale. Again, the key is communication. But doesn't the "foreclosing bank" already know there is a foreclosure and control the dates? Yes, the bank is very much aware of the pending dates. The best way to understand a process is to stand in someone else's shoes. The lender has a Foreclosure Department and a Short Sale Department (the actual department names vary but their primary function is the same). The departments operate independently. The foreclosure department has a checklist to follow to assure all processes and procedures are followed. Many short sales fall through due to buyers losing patience and walking away from the deal. "IF" the short sale employee tells his employer to hold off on the foreclosure and then the deal falls through, then the employee lost more money for the bank (by postponing the foreclosure and to get the bad debt off of their books). As a Charlotte area Realtor, I attend the hearings to assure no deal falls through the cracks. I have not been told by the Short Sale Departments that my interaction helps them but ultimately, it helps assure that a short sale actually happens. Charlotte area Homes for Sale have many short sales and foreclosures in addition to new homes and resales. Each sector of the market is unique. The most popular areas and price ranges sell quickly (and very near list price). Homes in more challenged areas/neighborhoods take longer to sell. It all depends. If you are considering a short sale, call your lender first and then call me, Rick Waite at 704-770-6559. Honesty is essential; it is a process and I will help you understand the process and help sell your home. Visit Charlotte Real Estate to learn more about me and anything about the greater Charlotte Real Estate market! http://www.FindMyCarolinaHome.com
Is it possible to get 100% Financing on a Mortgage?	11/27/2011 8:01 AM
Many people still would like to buy a home but have been unable to save up enough money for a down payment plus closing costs. In today's mortgage environment the FHA loan is a popular option. An FHA loan requires 3.5% down payment in addition to closing costs and funding fees. This can be a challenge for some but it is still a great option. There are VA loans for our Veterans. Our Veterans are familiar with these loans which will provide 100% financing but there is a large funding fee required. How about another 100% Mortgage Loan? The USDA Mortgage loan still provides 100% of your mortgage. In addition the USDA Mortgage Loan can include most of your closing costs in the loan! How does this work and who qualifies? First, the USDA Mortgage program is from the United States Department of Agriculture. This program provides mortgages for rural properties. There is a USDA map that dictates what areas are still considered rural and which areas do not qualify. There are also income limits; the program is intended to help home owners get into home ownership. How does this program still exist? Does any properties in or around Charlotte qualify? The USDA Mortgage program still survives. The people borrowing in the rural communities help because they continue to pay their mortgages. In addition, many rural areas were benefited by a very stable housing market (not subject to the steep rise and falls of major cities). There are still areas both east and west of Charlotte (still within the city limits) that qualify in addition. There are naturally many surrounding areas that also qualify. How does some of the city of Charlotte qualify as rural? Charlotte NC is still a new and developing city. The area has changes tremendously over the past decade. Many of the areas that qualify today will not qualify 5 or 10 years from now. Ultimately, they qualify today and it is a great option for purchasing a Charlotte home. As a Charlotte Realtor, I make it my business to understand all options that help you own a home. I do not want you over extended into a mortgage you realistically can not afford; nor do I want to see someone feeling trapped renting when they can actually own their own home. Contact me at rjwaite1@gmail.com, 704.770.6559 or visit one of my Charlotte Real Estate websites; discover all of your options and lets consider the best Charlotte Homes for sale for you and your family! http://www.FindMyCarolinaHome.com
Greater Charlotte Real Estate Property Tax Values	10/22/2011 10:48 AM
Property taxes and Assessed Tax Values of Property is a huge concern and lends to much confusion when relocating to North and South Carolina! Consider property taxes to be "market value" at a random time. What? Let us begin with North Carolina. North Carolina requires each county to reassess values (basically to update market values) every 4 to 8 years. Naturally, the values on homes 6 or 7 years ago may be very different. Each NC County decides when and how often to assess their property. For example, Mecklenburg County reassessed for 2011. This includes Charlotte, Huntersville, Cornelius, Davidson, Matthews, Pineville and Mint Hill. The tax values should be close to fair market value of the home. To the south in Union County, the last assessment was in 2008. This was when the economy began to falter. These values are lower than they would have been in 2007 but still not reflective of today's true market value. The County rejected a plan to reassess in 2012 so the current values will stand for at least another year. Cabarrus County also last reassessed in 2008, Iredell reassessed in 2011 and Gaston County reassessed in 2007. Keep this in mind as you compare "list price" to "tax value". Gaston County provides a great baseline to how much the market has changed since 2007. Expect to pay closer to tax value in Iredell or Mecklenburg County but keep in mind these assessments are not actually appraisals. Each county assesses based on "Mass Property Evaluations". There is a good possibility that certain facts are not truly factored in such as updates, recent changes, redistricting of schools and other real factors that determine property values. The assessments are typically close but do not rely too heavily. I have seen the tax records exaggerate the square footage (typically not considering 2 story great rooms and foyers) along with underestimating square footage (not realizing the basement, attic or sun room is now finished. South Carolina Property taxes are different. The assessments are every 5 years and your primary residence has a lower tax rate than investment homes (does not impact assessed value but does directly impact your pocket book. I will leave that for a future blog. When considering Charlotte area real estate, be sure not to weigh too heavily of tax value. Tax value can be helpful when comparing within the same county as a base line. There are many factors to consider to assure you are getting a great property value. Visit Charlotte Real Estate or Charlotte Homes for Sale to consider your understanding of greater the greater Charlotte Real Estate market! http://www.FindMyCarolinaHome.com
Charlotte Real Estate Market Activity	9/22/2011 6:05 PM
The Charlotte Real Estate market is improving based on sales in 2010. The data in this blog is from August 1 though Sept 22nd. I wanted over a month of data and wanted information that is timely (today is September 22nd). The Charlotte Real Estate homes sold last year (2010) during the same time period has increased 22%. August 1- September 22 2010 Foreclosure Sales: 26% of all sales Short Sales: 4.7% of all sales New Homes: 14% of all sales August 1 - September 22 2011 Foreclosures: 17% of all sales Short Sales: 5.5% of all sales New Homes: 14% of all sales The trends have improved over the past year in Charlotte Real Estate. Short Sales have increased slightly (in comparison to the Charlotte Foreclosures) but this is also because lenders are improving their short sale process and it is becoming more efficient. Overall, this is very positive news for the greater Charlotte Real Estate market! everyone wants to purchase a home "at the bottom". Unfortunately, by the time you discover where the bottom "was" you missed it! Mortgage Interest rates are at historical low and Charlotte Homes are prices aggressively. It is time to buy! http://www.FindMyCarolinaHome.com
Townhome in Ballantyne for Sale	8/23/2011 10:16 AM
Looking for brick townhome in Ballantyne? How about a 2 car garage, Master Bedroom on main floor with 3 bedrooms? Walk to shopping at Stonecrest at Piper Glen! What an amazing quality of life! Visit the Virtual tour of 11182 Villa Trace Place and see what you have been missing! There is a townhome for sale in the Villas of Ballantyne Trace that is sure to exceed your expectations! Enjoy the affluence of South Charlotte homes! It is hard to believe this home is listed at $245,000! It is time to take advantage of this opportunity! The pride of home ownership is reflected throughout this home! The closets are organized with California Closets (closet organizers). The deck is incredible! This home has been maintained with quality and meticulous detail. You are sure to be impressed! Call me, Rick Waite today at 704-770-6559 to see this amazing home! http://www.FindMyCarolinaHome.com

Charlotte Real Estate Relocation

Charlotte Relocation: There are multiple factors to consider before you purchase Charlotte Homes for Sale. The success of your Charlotte Real Estate relocation is dependent upon several factors including the cost of your ideal Charlotte Home, your New Charlotte neighborhood, Charlotte Schools, your commute, Charlotte Property Tax Rates and many other real estate related factors. Commute times to and from your home is a factor frequently overlooked for new Charlotte homes for sale. Visit Charlotte Real Estate blog to discover information about our Charlotte Real Estate Market. Charlotte Realtors should be much more than a sales person. Let's dig deeper into Charlotte NC Homes for Sale. You deserve more in your Charlotte Real Estate quest.

First Tip: Before purchasing or deciding upon your Charlotte Real Estate purchase, visit the local grocery store! This will be reflective of your new neighborhood and Charlotte home.

Charlotte Homes for Sale Search

Homes for Sale in Charlotte Real Estate can be searched in multiple ways. One popular way to search Charlotte real estate is via zip codes or cities. Here are some popular cities, town and suburbs surrounding Charlotte NC Real Estate:

For North Carolina, I sell homes in Charlotte Real Estate including Mecklenburg County: Ballantyne/South Charlotte Real Estate (28277), South Park Area Real Estate (28209, 28210, 28211), Myers Park Homes and surrounding communities (28207, 28209, 28211), Matthews NC Real Estate is in both Mecklenburg and Union Counties (28104, 28105, 28106), Cotswold Real Estate (28211), Huntersville Homes for Sale (28070, 28078), Pineville (28134), Cornelius (28031), Davidson (28035, 28036), Mountain Island Lake, Lake Wylie (28278 in NC) and Mint Hill (28227). In Union County: Weddington (28173, 28104), Marvin (28173), Waxhaw (28173), Wesley Chapel (28110, 28079, 28104), Stallings Homes for Sale (28104), Indian Trail Real Estate (28079), Lake Park Real Estate, Monroe NC Real Estate (28110, 28111, 28112), Mineral Springs and Unionville Real estate. In Iredell County: Lake Norman Real Estate and Mooresville Real Estate (28115, 28117), Statesville Homes for Sale (28677, 28625) and Troutman Real Estate (28166). In Cabarrus County: Concord Homes (28025, 28026, 28027), Gold Hill Real Estate, Harrisburg (28075), Kannapolis (28081,28082, 28083). In Rowan County: Salisbury (28144, 28147), Kannapolis (28081, 28083), Gold Hill (28071), China Grove (28023), Rockwell (28128-borders Cabarrus and Rowan Counties) and Granite Falls (borders Rowan and Caldwell Counties). In Gaston County: Gastonia (28052, 28053, 28054, 28056), Belmont (28012), Dallas (28034), Mount Holly (28120), Cherryville (28021), Stanley and McAdenville. In Lincoln County: Denver (28037), Lincolnton (28092, 28093), Stanley (28164) and Iron Station (28080). In Catawba County: Sherrills Ford (28673), Denver (28037), Catawba (28609), Maiden (28650), Terrell (28682) and Albemarle (28001), Locust (28907) in Stanly County.

To find homes in South Carolina Real Estate, I work in primarily in York County and Lancaster County. Within York County there is Fort Mill Real Estate (29708, 29715), Rock Hill Real Estate (29730, 29732), Tega Cay Real Estate (29708), Lake Wylie SC Homes (29710), York Real Estate, Clover (29710) and Fort Lawn. In Lancaster County there is: Indian Land (29707 typically with a Fort Mill mailing address), Lancaster and Van Wyk.

Let me know if you would like a pesonally taylored Charlotte Homes for Sale zip code search. Together we will find the perfect homes around the greater Charlotte Real Estate Market for you!

Charlotte Real Estate Associations

Charlotte Realtor
North Carolina Real Estate Broker
North Carolina Realtor
Broker in Charge
South Carolina Realtor
SFR - Short Sale Foreclosure Resource Certified
e-Pro - Internet Certified Professional
ABR - Accredited Buyers Representative
SRES - Seniors Real Estate Specialist
North Carolina Real Estate Agent
South Carolina Real Estate Agent
Member of Carolina MLS
Member of Piedmont MLS
Member National Association of Realtors
Member North Carolina Association of Realtors
Member Charlotte Regional Realtors Association
Member Real Estate Buyers Agent Council
Member of Realtors Land Institute (RLI)
Land Brokerage Certification (Realtors University)
Certified 1031 Tax Deferred Exchange
ReMax Realtor
Wilkinson and Associates Real Estate Agent

Charlotte Real Estate Maps - The Greater Charlotte Real Estate Region

Charlotte NC Maps Charlotte NC Real Estate Maps Search Charlotte Real Estate NC Suburbs Search Charlotte Subdivisions

Charlotte Real Estate related search terms are: Charlotte North Carolina, Charlotte foreclosures, bank owned homes in Charlotte, HUD homes, land, NC homes for sale by owner, home owners, Charlotte new homes, house, NC houses, property, properties, property for sale, Homes for Sale, local listings, listing, sales, for sale, realty agent, agency, agencies, Realtor, houses, NC land, SC land, neighborhoods, subdivisions, neighborhood, subdivision, lots for sale, moving, relocation information, move, moving, info guides, company, companies, selling, buying, buyer, buyer's, buyers', buyers only, buy, sell, development, developments, free on line search info, free home search, free real estate listings, Charlotte NC, Realty, Real Estate, Charlotte MLS search and more.

You will discover my Charlotte Real Estate website to be comprehensive and the best Charlotte Property Search. Keep in mind that the national real estate websites are a few days behind for new Charlotte properties for sale. We will find the "hottest" Charlotte Real Estate for sale for you.

Also when Charlotte Homes For Sale are aggressively priced (priced below actual market value), the Charlotte homes sell quickly. Do not allow your ideal home and/or Charlotte Property will come on the market and never know. Let's establish a customized Charlotte real estate homes search today!

Greater Charlotte Area Homes for Sale

Return to Charlotte Real Estate Charlotte Homes For Sale to learn more about our greater Real Estate Market. As the national economy improves, Charlotte Home prices along with mortgage interest rates are destined to increase. There has never been a better time to purchase Charlotte homes or Charlotte Foreclosures! Banks are also becoming more responsive to Short Sales! There are many fantastic deals in Charlotte area Real estate!

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Charlotte Real Estate Market

Rick Waite
Charlotte Realtor
Phone: 704.770.6559
RJWaite1@GMail.com

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