Silver Creek Real Estate Blog » Blog Archive » Cashiers, Highlands …
Here are this week’s real estate estate sales for the week of August 3, 2009 in the greater Cashiers, Highlands, Lake Toxaway and Sapphire Valley NC area. For additional information on any of these sales or assistance in purchasing or selling property, please call our office at (828) 743-1999 or email me at jlucke@ncliving.com. A 4 bedroom, 8.5 bath home in Highlands Point sold for $1500000. A 4 bedroom, 3.5 bath home in Cullasaja Club sold for $ 825000. …  read more…

Where In The World Is The Kniss Family: Family Time: Smokies …
July 27 we arrived in Waynesville, NC and spent the next few days with Carl’s sister, Sonya and her family (Ellis, Nathan, Kirstin and Logan) near the Great Smoky Mountains. …. The Finger Lakes region seems to have lots of wild flowers and we looked to our left and saw a deer standing in a thick field of flowers, just looking at us. The noise of getting the camera scared it off before we could “shoot” it, but we got to see the deer run and jump through those flowers. …  read more…

A Corker's Life: Free to be me
I packed up my Grandpa’s old Minolta 35mm film camera, b&w film, some sketchpads and pencils, and lots of water and headed to the Lake. I was so excited to put on my hiking boots because I hadn’t worn them in the 2 years I’ve been down here . … This is an essential part of who I am that I have blatantly ignored since I’ve lived in North Carolina. And it is showing through stress and discontent. When I lived in New England, I went outside on a regular basis and could be …  read more…

From Google Blog Search

Western North Carolina Realty
There is a reason why realty in western North Carolina is so desirable. The weather is always just right, the scenery is unbelievable, and the communities are very friendly and family oriented.

To be…  read more…

Private Community – For Both The Retirees And Young Couples And Families With Kids As Well
Living in a private community has become the preferred choice of nearly 8 million people in the United states since the beginning of this millennium. But what is it that has urged so many pe…  read more…

We Buy Houses North Carolina
Wilmington North Carolina!www.homesolutionsgroupinc.com is now in Your Location! We Can Buy Your House Quickly
We can buy your house fast in: Wilmington | Carolina Bea…  read more…

From GoArticles.com

Powered by Revver

Resolved Question: Real Estate Laws Builder Liability in North Carolina?
I have a few questions but the most important question is What can I do?

Situation

My husband and I bought a house brand new in 2004 from the builder Pine Grove Corporation

There was a drainage stream about 4 foot wide and maybe two feet deep when we purchased the home in the far back corner of the property. Since my family home has a creek that floods we asked if this creek would flood (The answer to that was no it will not flood the stream it is just a run off for rain} Well it floods and floods bad one neighbor just lost their house over their little run off and I had to be taken from my house in a rescue boat even though the water never made it into the house itself just up to the porch) On our survey from the builder it states that there in no creeks, streams, lakes, river, or running water near the property,

Question How can they state this when it goes through everyone’s property?

Next Situation
The family that lost their house the insurance company is still going through their case but they found out the builder did not have the permits to build our houses where he did, his company built 20 house in wetland?

Question
What if anything can the home owners do? Can we sue the builder? And what are the odds of us winning?

I think he should at least buy the houses back with the land since it came in a package deal when he sold it. I don’t even care about the thousands I have put into this house I just want the builder to reimburse the homeowners on what we paid him.

  read more…

Resolved Question: looking for team real estate co in north carolina?
this company sells waterfront property in rowan county on high rock lake

  read more…

Powered by Yahoo! Answers

 Buying North Carolina Lake Property With 401(k) or IRA Funds … http://bit.ly/5JFQF
Posted by prfinancial via Twitter  

 Just posted on ActiveRain: Welcome to Catawba Shores, Lake Hickory, North Carolina – NC Real Estate P… http://activerain.com/t/1159971
Posted by nclakefront via Twitter  

 Lakefront Properties at Lake Hiwassee, North Carolina Lake Property – NC Real Estate
Posted by blog01 via Vinzari Auto  

 Welcome to Buck Knob Island, Lake Glenville, North Carolina – NC Real Estate Property
Posted by blog01 via Vinzari Auto  

 Welcome to Glenshore, Lake Glenville, North Carolina – NC Real Estate Property
Posted by blog01 via Vinzari Auto  

 Welcome to Glen Point, Lake Glenville, North Carolina – NC Real Estate Property
Posted by blog01 via Vinzari Auto  

 Lakefront Properties at Lake Glenville, North Carolina Lake Property – NC Real Estate
Posted by blog01 via Vinzari Auto  

 Welcome to Bear Paw, Lake Hiwassee, North Carolina – NC Real Estate Property
Posted by blog01 via Vinzari Auto  

Recently Being Discussed on FriendFeed

Technorati Tags: North Carolina Lake Property

Big Bear Lake, CA has been a great place to call home since I was a child. I am also a realtor in Big Bea Lake, CA homes for sale. Big Bear homes are very charming in the way they are built. But one of the best things about Big Bear Lake, CA homes for sale is Big Bear Lake, CA itself.

Because Big Bear only has around 9,000 full time residents, it is very quiet up here during the week. If you want to go out to dinner or catch a movie, there is never a wait. I love the ability to go out and not be crowded or rushed. Since we are a second home/vacation home market, you can count on at least 50% of the homes in your area being vacant at any given time. This really lends itself to being able to get away from the noise and crowds of the city. Did I mention the clean air? Big Bear has the best air quality in The Inland Empire.

Take a trip to Big Bear Lake, CA and inhale the fresh, clean air. The air quality is virtually devoid of yuck. And do you now what else that means besides healthy lungs? More stars. So many stars that you won’t know where to look first. We have an amazing night sky unlike anything I have ever seen anywhere else.

Big Bear isn’t the only city in the San Bernadino mountains. But it is the best, if I do say so myself. It’s not too small and not too big. You can find all the quaint shops you want or go shopping at major retailers like Vons, Kmart or Payless, pick up a movie at Blockbuster or stop in for a bite at Taco Bell or McDonalds.

Big Bear Lake, CA has much more than just fats food restaurants. We have some of the finest fine dining you’ll find on the mountain. We have two cinemas, bowling, dancing, bars and more. So you don’t really have to leave it all behind. Bu the great thing about Big Bear is that you have the choice. It’s all right here in one perfect place.

Finally, a Big Bear home is a good place to invest your money. Because we are comprised of mainly second and vacation homes, we have not been hit as hard as other areas by the current recession. As a whole, Big Bear Lake, CA homes have held their value much better than the rest of San Bernardino County. Bank Owned Properties are only making up between 5-10% of our current MLS.

Other places have a tremendous rate of foreclosure on their homes. Big Bear home sales are even improving. More Big Bear Lake, CA homes for sale are actually selling because of their value, 40% more than the previous year. These homes are even receiving ore than one offer which is a great sign of a healthy market.

I hope this helps shed a little more light on Big Bear Lake, CA homes. If you want to know more about Big Bear Lake, CA homes for sale, I will be writing more soon. So keep your eye out.

Technorati Tags: big bear lake, big bear lake ca, big bear lake ca homesfor sale, big bear lake rentals, big bear lake vacation, big bear mountain, big bear real estate, mountain property, Real Estate, vacation, vacation homes

You’ve probably seen a lot of things that say you can fix your own credit, and that’s true to a point, but it’s not always as easy as it seems for most people. However, you can certainly take steps to make your credit rating better and more acceptable to lenders in the future if you’re willing to put in the work to improve your credit and your chances of borrowing later on. That starts with step one – knowing what’s on your credit report right now and why. If you don’t know what’s there, how are you supposed to work at making it better?

Step two is to take a careful look at all three of your credit reports – you should have one from Equifax, TransUnion, and Experian – and see if they match up or if there are some different things on some of them that are not on the others. A discrepancy could mean that some of your credit information was incorrectly reported or that some of the information on your report isn’t even yours, and that could be hurting your credit score. Contacting the credit bureaus and asking that these things be removed is what you should do, and they have to remove the items if they cannot absolutely prove that they are yours, after which they’ll send you a new credit report so you can see that the correction has been made.

For step three, you should find out how many active accounts you have, because you’ll need at least three if you’re going to have a good credit score. People who only have one or two active credit accounts haven’t really shown that they are capable of handling credit correctly, especially if these credit accounts are all credit cards and there aren’t any accounts that are more lasting, like a mortgage or a vehicle loan. If you don’t have enough accounts you can get more, but how you go about doing that could actually make your credit worse, so don’t just run out and get more credit cards – see step four instead.

Step four is a crucial one if you know someone who has good credit and who trusts you, because it’s not a step that you can do on your own. What you want to do here is get that trusted person to add you as an authorized user on their credit cards without actually giving you the card to use – that way you won’t be spending or adding up debt, but you will be getting the benefit of their good credit added to your credit report. Only do this with a person who has had the card for at least two years and who has not been late with a payment, though, because their credit problems with that card would also attach to your report, as well.

In step five, you have to start paying down your debt, because having high balances on things will really hurt you in the long run – it makes you look irresponsible. Your credit card debt, for example, should be no more than 30% of the amount that you’re actually allowed to borrow on your credit cards, but even if you can’t get them to that point work to get them down below 50% of the available credit. Having balances that are low and that stay low means that your lenders will see that you’re taking good care of the credit you’ve been offered, so you’ll have a better chance of getting even more credit.

Another important step, the sixth one on the list, is to not take a step at all, in the sense that you don’t want to close out the credit accounts that you have paid off. Accounts that are in good standing and that are still open give you points on your credit report and if you close those accounts out you might actually see your credit score drop by a little bit instead of rising. Some accounts you won’t have control over and they will automatically close out when they are paid off, like mortgages and car loans, but keep those good-standing, paid off credit card accounts open.

Step seven is the easiest one: maintain what you’ve done and are doing to keep your credit score high by making sure things get paid on time. Don’t start adding up a bunch of new debt once you’ve gotten rid of the old debt, and you’ll soon see that your credit score will stay high, allowing you to get the credit that you need when you need it. If you only get and use credit when you need it, and you don’t overextend yourself, you’ll have a much better chance of keeping a great credit score for years to come and being able to buy what you need without worrying that you won’t qualify for any kind of low-interest credit.

Technorati Tags: credit help, credit repair, finance, loan modification, loans, money, Mortgage, personal finance, Real Estate

Closing on a new abode is an enthralling occasion moment in anyone’s life. At the same time, purchasing a home is a serious transaction that requires getting a great deal of paperwork in proper order. Therefore, in order to ensure the house closing process goes smoothly, there are a few steps you should take beforehand.

Get Your Insurance in Order

You will need to demonstrate that you have house insurance in place, when you go to the closing for your home. Therefore, be certain to bring a copy of your policy as well as the name and telephone number of your agent. To prove your identity, take your driver’s license or some other official form of identification with you.

Certified Funds

When closing on a home in Texas, you must bring certified funds. The Texas Department of Insurance needs your certified funds to pay for your closing costs. In Texas, you have three ways to pay with certified fundsYou have three ways to pay with certified funds in TexasThere are three ways to pay with certified funds in Texas: via a certified check, with a cashier’s check, or with wired funds. If the closing costs are low, some closing officers may accept a personal check as well. Prior to your going to the closing, your realtor or your closing officer will contact you with the amount of the certified funds.

Look Over the Documents

A number of documents need to be reviewed and signed when you go to the closing. You can take a closer look at the documents before the actual closing It is it best to ask the mortgage company to provide the title company with the documents at least one time before closing, if you wish to take advantage of this right.

Closing from Afar

You might not be able to be present when you close on your home in some cases. In this case, you might choose to use Power Of Attorney or you might use express mail. If you plan to use Power Of Attorney, the lender will need to agree this method and you will need to make arrangements ahead of time. You will also need to provide a phone number that can be used to verify that you are still alive and that the Power Of Attorney is still valid.

You will need to provide the closing officer with a forwarding address as well as a contact number in case you need to be reached if you use express mail. In addition, when you do sign the papers, you need to be certain to do so in front of a notary.

Technorati Tags: Real Estate

If you think you are ready to purchase a new home, there are several steps you should take before you start your house search. Most importantly, you need to get your finances organized. Apart from organizing your finances so you can establish how much you can afford, you also need to provide specific information to the mortgage lender that will be used to resolve whether or not you qualify for a loan and what rates and terms you will receive.

Check into Your Credit

The first step you should take toward organizing your finances is taking a look at your credit report. You are entitled to a free credit report once per year and you can get it by going to www.annualcreditreport.com. Since there are no strings attached, this is the best place to go for your free credit report.

Once you obtain your free credit report, look through it in order to make sure all of the information is accurate.

If you notice anything that is incorrect, contact the credit reporting bureau and notify them of the error. Then, wait until the problems have been resolved before you start the process of applying for a mortgage loan.

Gather Your Paperwork

Once you have made sure your credit report is looking as good as possible, you need to start gathering paperwork to share with the mortgage lender. The paperwork you should gather includes:

Income tax returns for the past three years Bank statements from the past three months Copies of your current pay stubs and records of any additional income you may have Receipt of credit issues that have been resolved Copies of bankruptcy or divorce settlements

These details will help the mortgage lender form an overall picture of your financial situation. If you do have some red marks on your credit history, you want to be certain to bring in as much documentation as possible to demonstrate that you are on track and doing better where your finances are concerned.

Pay Your Debts and Save Up

If you have buried yourself in a large amount of debt, you should take steps to remedy that problem before you apply for a mortgage loan. Even small debts should be paid off if possible.

Apart from this, you should avoid acquiring new debt. If you have a low debt when applying for a mortgage loan, your chances of getting approved increases.

The assets you have will also play a role in determining whether or not you are approved for a loan.

Areas the mortgage lender will consider include:

Your savings account Any investments you have, including bonds, stocks, and mutual funds The cash value of your insurance policies Monetary gifts provided by family members Your monthly salary

Although it is possible to get a mortgage loan with a less-than-desirable credit history and with little money in savings, you will receive better terms and a better interest rate if you take these steps prior to applying for a loan.

Technorati Tags: Budgeting, Real Estate

I’m a pretty conservative investor. I knew about the hot stocks market, but I’ve always felt that it was pretty risky. I was willing to take lower returns and keep my capital as safe as possible. I was talking to friend who is at least as conservative as me and he told me about Today’s Hot Stocks newsletter. I thought maybe he’d been out on the golf course too long.

He insisted that he was skeptical about hot stocks trading too, but he found this newsletter that predicted stock trends with a software program and that he was actually getting a great return on hot stock investments by following their advice. I thought it was probably some kind of scam, so I looked it up. I just didn’t see how software could figure all the angles in the hot stock market.

Since the site offered a sixty day money back guarantee, I decided to see if my friend was right. That was three months ago and I have to admit, I am impressed. Using the Today’s Hot Stocks newsletter and email alerts, has helped me make good returns on my investments. Nothing’s perfect and I have had a couple of duds, but I really didn’t lose much since I was able to get out quickly.

Investing in hot stocks is a risky business and I’d never recommend it as a single strategy for investing. That said, as part of an overall investment strategy, hot stocks can be very profitable if you choose your issues carefully. Today’s Hot Stocks newsletter and email alerts help you do just that. In addition, it is crucial to know when to sell, and Today’s Hot Stocks takes away a lot of the guesswork. Intuition is great, but notoriously unreliable for most people.

The newsletter isn’t free. Some people may have a problem with that. I consider my monthly fee as part of my investment. I’m making more than enough to cover the fee by using the hot stocks information, so it’s certainly proved worth the investment to me.

For me, the money back guarantee was an incentive to try the newsletter. You really have nothing to lose, and if the information is good, the newsletter pays for itself and you have more money than before you started following the advice. I’m happy to pay for the information now because I’m making a lot more on hot stocks than I did before.

There are a lot of places, including your broker, where you can get advice on hot stocks. Most of the time they got their information from another source, so the data you’re getting isn’t fresh and may have missed something in the translation. The data from Today’s Hot Stocks comes directly from them to you, so there is less chance of a miscommunication.

I’m still a pretty conservative investor, but I’m glad i added hot stocks to my strategy. The 37% return I’ve made over the las three months is impressive and I plan to keep trading in this market for the foreseeable future. Even if you’re conservative like me, I suggest you try Today’s Hot Stocks newsletter and discover a new, lucrative investment strategy.

Technorati Tags: business, credit, currency, finance, forex, Investing, market, money, news, personal finance, Real Estate, stocks, trading

When you are a real estate agent, real estate internet marketing is one of the most important parts of your job. Marketing on the internet gives you access to another world of clients that you never had before. It is something that takes time, but is well worth the amount of time that you put in.

With some individuals, there have been the bad experiences with the internet. At times things happen that deter people from wanting to use the internet. The internet however, should not looked upon as a negative thing but as a place to generate leads.

It is a good idea to always keep in mind that when you have a website that you want it to be something that is easy for the user to use. Don’t have too many things on it that take away from the things that you are trying to advertising. When you have a person come to your site, you want them to look at what you mean them to look at. If there is too much going on, people will leave your site and you don’t want that to happen.

In your site you should have a resource section for potential clients and for increasing website ranking. Keep this information as well as your sites information regularly update. Continuously check for any mistakes that you are making with your advertising.

Networking is a great way to build clientele. Blogging and making comments on forums gives people a way to get to know you. As people start to know you, they get to know your name and think of you when thinking about purchasing or selling their home.

Over time you will learn more things which will contribute to the ease of your real estate marketing. Another thing you should think about too, is writing articles, which are a great marketing tool. They work really well at getting people to your site and so does as blog as long as you do it on a regular basis.

As with any marketing, there is a lot of time and effort that has to be invested. Unfortunately, it is not just something that you can do and then watch it grow over night. However, things will grow over time as you put the time into it. Remember, the more that you are willing to put into it, the more you are likely to get back in the end. Most don’t realize this, but it is something that you should keep in mind.

Technorati Tags: business, Internet, Real Estate, real estate agent, real estate internet marketing, realtor, realtors, social media, web 2.0

There are several things you need to get squared away in order to make certain you are paying the proper amount of property taxes as a new homeowner. If they are unaware of the need to take these steps, they might end up paying more on their property taxes than required. In order to get your taxes set straight make certain to follow these steps.

Getting a Tax Certificate

You should work with your mortgage company and obtain a tax certificate for the new home even before you even purchase it. Be sure to get a certificate from all jurisdictions that tax the property.

This certificate will prove if there are any delinquent taxes owed on the property. If there are any delinquent taxes, you won’t be able to get a clear property title. Therefore, you will need to work out something with the current homeowner in order to get these taxes paid or you will either need to pay these taxes. In certain instances, you may be responsible for paying the taxes but you can get the price of the house reduced according to the amount of the taxes owed. In this manner, the previous owner still pays the expense of the taxes.

Arrange for Escrow Billing

Certain property owners prefer to have the mortgage company pay for their property taxes from an escrow account. If you decide to set up an escrow account, make certain the taxing unit sends the original tax bills to the mortgage company. This way, they will receive the bill in a timely manner and your taxes will get paid. Requesting a receipt from the mortgage company that shows that the taxes were paid on time is a good idea.

Apply for Exemptions

Do not forget that you have to actually apply for the exemptions for which you are eligible. Therefore, be certain to apply to the appraisal district that is responsible for appraising your home. In case more than one appraisal district values your home, make sure to file an exemption with every district.

Pay On Time and In Full

Make certain to pay your property taxes in full and to pay them on time. If you do not, you will have to pay a 50% delinquent fee as a penalty. In addition, you will have to pay interest on the amount of money you owe. If you aren’t using an escrow service with your mortgage company, you should receive a bill in April or May. Contact the district and request the bill be sent to you if you don’t receive one.

Technorati Tags: Real Estate

For those who have never visited Utah, the sights and scenes are a new experience, and a wonderful one. There is a wealth of new discoveries and history in the Utah country, and visitors and residents alike report that the rich variety of things to do and see are an abiding joy.

Utah County real estate offers a resident a chance to live in country that is home to Civil War troops, Spanish explorers, mountain men, trappers, Native American tribes, and pioneers who were making their way to the new West.Many of the historical attractions in this lovely area are one hundred fifty years (or more) old and have been carefully preserved for those who want to see and experience them.

For those who are interested in military history, the Utah country offers a unique and varied selection attractions. Camp Floyd in Farifield Utah was home to over three thousand five hundred troops, which was over one third of the American military force at the time.

The incredible Timpanogos Peak border the Utah valley on the east. This beautiful Utah County real estate offers a wealth of natural beauty, culture, and activity. Diversity is also a major appeal in this area. At Brigham Young University, over six percent of students are from another country, and over three quarters of students speak a second language!

For those who have never visited Utah, the sights and scenes are a new experience, and a wonderful one. There is a wealth of new discoveries and history in the Utah country, and visitors and residents alike report that the rich variety of things to do and see are an abiding joy. Utah County real estate offers a resident a chance to live in country that is home to Civil War troops, Spanish explorers, mountain men, trappers, Native American tribes, and pioneers who were making their way to the new West.

Many of the historical attractions in this lovely area are one hundred fifty years (or more) old and have been carefully preserved for those who want to see and experience them.

Living in Utah provides residents with a wealth of opportunities to explore histoy, recreation, and diversity. Culture and fine arts are well represented, not only from the universities, but also from the residents of the area.

Utah County real estate tends to attract well educated and interesting people who take pride in their communities and the welfare of the area at large. The feel of the area is rural, yet the Utah Valley is a mere thirty five minutes from the major metropolitan area of Salt Lake City.

Technorati Tags: business, Real Estate, Utah County