Soothing Medicine for your CONCIENCE | Volunteer Concience Fair 2012 | Wilmington NC real estate

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 “Volunteer” itch you have been having. 
Wilmington NC is an awesome city and it is mainly because of it’s great people and giving attitude.  Join in, you will not be sorry.The 2012 StarNews Media Conscience Fair is 10 a.m. to 3 p.m. Saturday, Feb. 4, in the McKeithan Center at Cape Fear Community College’s North Campus, 4500 Blue Clay Road.

Nonprofit organizations present information about volunteer opportunities. To reserve a space – it’s free – visit fill out the signup form.

The following nonprofits have signed up as of 3 p.m. Friday, Jan. 20.ORGANIZATION NAME:   CONTACT PERSON   PHONE NUMBER   E-MAIL ADDRESS  
International Seamen’s Center Ron Casterline 910-681-1603

St. Mary Health Center Laura Vinson-Garvey (910) 279-0643

Armor of God Ministries Debi Tucker 910-259-5062

Love Is Bald Kelli N. Russell 910-264-6097

CUE Center for Missing Persons Melissa Neu 910.541.1626

Wilmington Area Rebuilding Ministry, Inc. JC Skane 910.399.7563

disAbility Resource Center Gloria Garton 910-815-6618

Moores Creek Conservation Alliance Nancy Keith 910-540-0179

Cameron Art Museum Bo Dean 910-599-3995 ext 1010

WHQR Public Radio Laura Hunsberger (910) 343-1640

Church World Service/ CROP Walk Janet Magelli 910-616-1342

Arts Council of Wilmington and N.H.Co. Owen Wexler 910.790.3989

Foreign Exchange Student Program -PAX /STEP Tracy Bickel 910-632-4293


Greater Porters Neck Area Foundation Yona Bar-Zeev 910n 686-5191
The Arc of NC-Benefit Bank/ Volunteer Income Tax Assistance (VITA) site Brian Moeller (9100 538-9421

The Full Belly Project Daniel Ling (910) 452-0975

WINGS MINISTRY Missy Settlemyre 910-512-7643

Religion News Wilmington Amanda Greene, local editor and community manager 910-471-9152 or 910-520-3958

Wilmington Health Access for Teens Emily Henley 910-202-4605

Lifeguide  ( We will be sharing a booth with Guardian ad LItem as in the past two years.) Denny Smith 793-3472

ACCESS of Wilmington Inc. Dan Johnson, Chair  AND/OR  David Morrison, Vice Chair 910-962-3659

League of Women Voters of Lower Cape Fear Carole Ellis 910-791-0922

OLD BRIDGE PRESERVATION SOCIETY Karen Dombrowski 910.579.9021

First Book – New Hanover Co. Carol Barre 910-200-1441

First Book New Hanover County John Osinski 910-962-4271

The Affordable Housing Coalition ofSoutheastern NC Toni Melvin Whitaker  Acting Executive Director (910) 599-0348

Buy Local ILM Gayle Tabor 910.471.7627

S.H.A.R.E. Briana Kelly 910-431-6418

Trinity Grove Ms. Noel Schuler 910-442-3016

MADGRL  Mid-Atlantic Great Dane Rescue League Arlene Hubner 910-845-5143

The Warrior Ride Debra/Bob Racine 910-278-4612

Elderhaus PACE Amy Derck (910) 338-2757

KAIROS Prison Ministries Intl. Gordon Keifer 256-5781

Wilmington Prostate Cancer Support Group, Us TOO George Gardner 792-9953

Bellamy Mansion Museum Gareth Evans 910.251.3700

Oceana Zachary Keith 321-356-6603 

Junior Achievement of the Cape Fear Region Courtney Hickman 910-462-3690

Project Linus Sharon Black 910-681-0452

Guardian ad Litem Program of the 5th Judicial District Lynne Fender or Liz Kachris-Jones 910-616-8960 or 910-520-4035 or

Wilmington Multiple Sclerosis (MS) Support Group Burt Masters, Co-Leader, Wilmington MS Spt Gp (910) 383-1368

Interfaith Refugee Ministry Sarah Kingsley 910-538-0714

Carolina Vocal Arts Ensemble Beverly Cree 910.799.9977

Occupy Wilmington NC Roxanne Kirtright 910 380 1690

The Friends of the New Hanover County Public Library Ruth M. Brown 910-256-5482

Cape Fear Coalition for a Drug-Free Tomorrow Diane Edwards 962-7432

The Carousel Center Tira Hanrahan (910) 254 – 9898 ext. 218

Monty’s Home Barb Raab 910-259-7911

Cape Fear Clinic, Inc.  (Formerly Tileston Health Clinic) John Devaney, Executive Director 910-343-8736

American Red Cross- Cape Fear Chapter Wendy Flynn (910) 762-2683 ext 328

Food Bank of Central & Eastern North Carolina at Wilmington Jeff Rose 910-251-1465 ext 2205

(WRAAP) Wilmington’s Residential Adolescent Achievement Place, Inc. Daryl Dockery 910.392.6007

Airlie Gardens Flo Berry 910-798-7566

NC Coastal Federation Ted Wilgis 910-509-2838

Phoenix Employment Ministry Don Skinner 910-343-8469

Lower Cape Fear Hospice & LifeCareCenter Tracy Register / Jason Clamme 910-512-7559 or 910-796-7981 or

Domestic Violence Shelter and Services, Inc. Andrea Stough 910-343-0703

Wrightsville Beach Museum of History Madeline Flagler 910-256-2569

Muscular Dystrophy Association (MDA) Melissa Clary 910-763-3114

Wilmington SCORE Sara Raleigh 910-409-9865

Coastal Horizons Center, Inc.  Crisis Intervention Services Julie Ozier, LCSW or   Celine Adair, LMFT (910) 392-6936

American Red Cross – Cape Fear Chapter Wendy Flynn 910-762-2683 ext.328

Brunswick County Volunteer Center Jayne W. Mathews 910-253-2574

YWCA Lower Cape Fear Katie Nelson 910-799-6820 ext 104

New Hanover High School Army JROTC LTC James M. Chaffins (910) 520 – 7244

Comfort Socks Theresa Tese 9102698577


SEACC (Southeastern Alliance for Community Change) Steve Lee 910-791-4877

Brunswick Christian Recovery Center Ouida Hewett 910-842-6017


Elderhaus Adult Day Care Trudy Tann (910)251-0660

Brunswick Family Assistance Agency Lora Moree 910-754-4777x 103

Amercan Radio Relay League Glenn Cox 910 431 3875

“Bread for Life….” Ministry Claudette Fiskin, MSW 910-343-5276

Cape Fear Literacy Council Rachel LaCoe 910-251-0911

Canines for Service (formerly Carolina Canines for Service) Laura Kranchalk 910-362-8181

Pretty In Pink Foundation Joy Wade 910-620-9871

Paws Place Inc.  3701 E. Boiling Spring Rd.  Winnabow, NC 28479 Peggy Durso 910-253-9258

New Hanover Regional Medical Center Eileen McConville 815.5317

A.R.R.L. The Amercican Radio Relay League Glenn Cox 910 431 3875

Cape Fear Volunteer Center Annie Anthony 910-392-8180

Ten Savvy Ways To Pay For A House Today | Wilmington NC real estate

Different buyers have different mortgage needs. Fortunately, lenders today offer many mortgage options to choose from. Chances are you’ll find a mortgage plan that works for you.

Because points, fees and interest rates vary, check with us or your lender for specific information on the type of loan you are considering. The “snapshot” interest rate examples shown here are for illustrative purposes only and may not reflect current rates. For simplicity, all examples here use a $100,000 sales price. Monthly payments are for principal and interest only (taxes, insurance and condo/homeowner fees would increase your payment).

Adjustable-Rate Mortgage.

The interest rate is adjusted up or down periodically based on a financial market index (such as Treasury bills). Monthly payments start lower than for fixed-rate mortgages. The initial rate is set for a specified period — 1, 3, 5, 7, or 10 years — and then rates adjust on a schedule, say, annually. The adjustments generally are limited by annual caps and a life-of-the-loan cap.

Down Payment: $10,000
Mortgage Amount: $90,000
Term of Loan: 30 years
Interest Rate: 7% (until first rate adjustment)
Monthly Payment: $599 (until first rate adjustment)

Fixed-Rate 30-Year Conventional Mortgage.

A fixed-rate conventional loan is made by a commercial lender for 30 years. Monthly payments (excluding taxes) remain unchanged for the life of the loan. Some lenders allow mortgages with as little as 5% down, but require private mortgage insurance for loans with less than 20% down.

Down Payment: $10,000
Mortgage Amount: $90,000
Term of Loan: 30 years
Interest Rate: 8 1/2%
Monthly Payment: $692

Fixed-Rate 15-Year Conventional Mortgage.

This is similar to the 30-year conventional mortgage, except the loan is repaid in half the time. Interest rates are typically lower than for a 30-year loan, and interest paid over the life of the loan is less, but the monthly payments are usually slightly higher. Government-backed loans — VA and FHA — are also available in 15-year terms.

Down Payment: $10,000
Mortgage Amount: $90,000
Term of Loan: 15 years
Interest Rate: 8 1/4%
Monthly Payment: $873

Two-Step Loan.

This 30-year loan is a cross between the ARM and a conventional loan. The mortgage carries a fixed rate for 5, 7 or 10 years and then adjusts to market interest rates once for the remainder of the loan. The initial rate is generally lower than a fixed-rate conventional mortgage, but the second step of the two-step mortgage is often conditional on the lender’s approval.

Down Payment: $10,000
Mortgage Amount: $90,000
Term of Loan: 30 years
Interest Rate: 8 1/8% (for first 2 steps)
Monthly Payment: $668 (until adjustment)

Federal Housing Authority (FHA) Loan.

These are government-insured loans so homeowners can make a smaller down payment than on conventional loans. The limits on FHA loans are high enough to handle moderately priced homes in many parts of the country. FHA loans are assumable for future buyers who qualify.

Down Payment: $10,000
Mortgage Amount: $90,000
Term of Loan: 30 years
Interest Rate: 8 1/4%
Monthly Payment: $676

VA Loan.

These are loans for qualified veterans backed by the Department of Veterans Affairs with low or no down payment required. These mortgages are subject to the VA mortgage funding fee, depending on the size of the down payment. VA loans can be combined with second mortgages and are assumable to qualified buyers.

Down Payment: $10,000
Mortgage Amount: $100,000
Term of Loan: 30 years
Interest Rate: 8 1/4%
Monthly Payment: $751

Seller Financing.

Sellers may take back a loan against their equity in the property in the form of a first or second mortgage. One approach to owner financing is to use a balloon mortgage calculated and repaid for 5 or 7 years as a 30-year mortgage, but then the balance of the loan is due in a lump sum.

Down Payment: $15,000
Mortgage Amount: $85,000
Term of Loan: 5 years
Interest Rate: Negotiable
Monthly Payment: Depends on rate

Assumable Mortgage.

A buyer takes over the existing mortgage — usually FHA, VA or ARM — at its current interest rate, with the concurrence of the lender. An assumption may have a lower rate than those currently available, and taking over the mortgage may save on closing costs. The down payment makes up the difference between the sales price and the balance on the loan.

Down Payment: $30,000
Mortgage Amount: $70,000
Term of Loan: Time remaining on loan
Interest Rate: Same as seller had
Monthly Payment: Same as seller was paying

Wrap-Around Mortgage.

Here a new mortgage incorporates an older, assumable loan to help bridge the gap between the loan balance and home sales price. The interest rate is often below market, but higher than the rate the old mortgage carries. Payments are made to the new lender or the seller, who forwards part of the payment to the first lender. The term of the mortgage is the time remaining on the original loan.

Down Payment: $10,000
Mortgage Amount: $90,000
Term of Loan: Time remaining on original loan
Interest Rate: 9%
Monthly Payment: $724

Buy-Down Mortgage Plan.

The seller or a third party provides additional cash to the lender in exchange for a lower interest rate for the buyer. Approaches vary among permanent buy-downs, multi-year and graduated plans.

Down Payment: $10,000
Mortgage Amount: $90,000
Term of Loan: 30 years
Interest Rate: 6 1/2% (initial)
Monthly Payment: $568 (until subsidy diminishes or expires)

In addition to these loan scenarios, Wilmington NC has USDA 100% financing loans on certain areas in New Hanover, Pender and Brunswick counties.  For a map of  New Hanover County click here.  The areas outside the orange sections are in the USDA loan eligibility zone.  Let us know what area you would like to search for homes in and we will supply you a list of 100% financing USDA homes.

Test Drive Your Potential New Home First | Wilmington NC real estate

You found a home that you think you would like to live in.  The neighborhood looks like the neighborhood that you would like to live in.  The next thing you need to do is literally before you buy your first home, drive from and to the new address from your work during morning and evening drive times. Are there alternate routes? How long does it take to get to work? Schools? Supermarket? Convenience stores? Is parking adequate on street, off street or in a garage? Will the morning or evening sun be a headache? Note your location 15 minutes and 30 minutes from your first home. Now use that distance on a map as a radius to get a sense of your circle of community. Many of us spend a lot of time in our cars. Knowing how much time can help you decide if a new home is right for you. You want to make the right decision for all the right reasons.  Finding out after the sale that you do not like the commute will take away part of the new found happiness of buying your new home.  In the Wilmington NC real estate market it is suggested that you go through this exercise before you put in a contract on a home.  To learn more buying tips see my Wilmington NC newsletter for buyers and sellers here.

To search Wilmington NC real estate and get advice please visit

So you want to buy a home | Twelve Step Program | Wilmington NC real estate

Home Buying Wilmington NC.

Home Buying Wilmington NC

Buying real estate can be one of the most significant investments in life. My goal is to provide you with detailed information to assist you in making an intelligent and informed decision.

There are many homes on the market today, possibly your dream home may not be on the internet yet. As a specialist in buying and selling Wilmington NC real estate, I have access to all properties currently for sale, and often others that are not officially listed, but still available for purchase. The best real estate properties go quickly. Now you can use my Weekly New Listings service. It’s free and easy. Instead of scouring the paper…you’ll get instant email notification containing the newest listings before other buyers even know about them.

You can also conduct your search right from my website. You can view my listings, or search the entire MLS. If you want timely, up to date, full service and full representation at no cost, call or email me!   Click here for your 12 Step Program to Buying a Home.

Coldwell Banker Launches First Real Estate iAd | Wilmington NC real estate

Coldwell Banker Launches First Real Estate iAd | Coldwell Banker Blue Matter.
Check it out…

Go Blue… Again.  Coldwell Banker is on the move as far as new techonology.  The latest is a iAd for iPads. iPhones are coming soon.  Per Coldwell Banker Marketing :

“You might be asking yourself, “What’s an iAd?” Well, for anyone that owns an iPhone or an iPad, it’s an interactive advertising unit within an app that does more than just send you to a website. It offers you an unique experience right within the app. Oh and by the way, Apple is the only one that builds them.

Coldwell Banker has announced that it is the first real estate brand to launch an iAd for iPad, the latest expansion of Apple’s revolutionary new mobile advertising platform.  Not only that, but Coldwell Banker is the first of only a handful of brands to be part of the launch of iAd for the iPad, and we’re the first brand to ever feature a full screen iAd banner.” Coldwell Banker is a leader in real estate and one Kay Baker & Associates are proud to work with.

Search all Wilmington NC real estate on real time with maps and videos.

Sparkling Waterfront Vistas | Wilmington NC Real Estate

Waterfront Wilmington NC Real Estate.

Real Estate Listings

The Cape Fear Region’s many miles of coastline, rivers and sounds offer a wide variety of fishing, watersports and boating activities. And, to maximize the regions waterfront enjoyment, there are many neighborhoods offering waterfront homes in Wilmington, NC with canals, boatslips, and or boatramps. We offer the latest, detailed information on all Wilmington NC waterfront homes and communities offered for sale in Wilmington, NC. So just sit back, relax and click any of these Wilmington waterfront communities to search for your waterfront dream home now. The water is clear and beautiful in the Wilmington area.  Between the Cape Fear River, ICWW, sounds, and 3 beach areas you can find  the perfect home or vacation home on  We would love to help you.

Wilmington NC real estate | 16th best building market in nation

Wilmington named 16th best building market in nation |

Haleys Wood Magazine has ranked the Wilmington NC building market the 16th healthiest in the nation.  Based on buidling permits, low housing costs, desirablility of living in Wilmington NC with it’s proximity to the ocean and waterways helped rank Wilmington.  The area was one of the four North Carolina Metropolitan areas to make the list.  The data is based on comparisons from actual 2010  data and projected 2011 data by Moody’s Economy. com then Haleys produces a Healthy Market index of the top 100 metropolitan areas which is based on the building permits activity of each area.  The housing prices in the Wilmington NC area are at a low, coupled with low interest rates the real estate industry is slowly holding on.  To search all the new construction in the Wilmington NC real estate area we invite you to visit