Cucalorus 19 Film Festival| November 13-17 | Wilmington NC

Cucalorus Annual Film Festival Starts Tonight  November 13 – 17

There are some great films being offered, something for everyone.  For a full list visit http://www.cucalorus.org/filmlist.asp

cucalorus

welcome to cucalorus.
is it a film festival? well, not really
it’s a gathering, a congregation of creatives
an ensemble of artmakers
energy sources, swamp surfers
rolling down the cape fear river

Get your tickets and passes online http://www.cucalorus.org/tickets.asp or at the TicketBox. The TicketBox, your top top spot for festival info, is located in the Thalian Ballroom, at 310 Chestnut Street.

For schedule visit – http://www.cucalorus.org/calendar.asp

http://www.cucalorus.org/

First Time? How To Buy The Most Home For YOUR Money | Wilmington NC

 

             www.cbbaker.com

{short description of image}You’re neither rich nor poor, and you’re ready to buy your first home. You look around. All those homes on the market! All seemingly priced out of reach!

Cheer up. You’re not alone. With some solid real estate counseling and some help from your lender and/or sellers and others, you can not only get your toe in the door, but you can own the house too. It just takes some creativity, a few inside tips and a bit of homework to buy a Wilmington NC home.

For starters:

Examine your goals

How ironclad are your dreams? Can your ideal of a formal dining room or a hot tub on a redwood deck be postponed? Must you have a two-car garage? Lowering your expectations and starting out modestly (in decent housing that meets your needs) can lead to owning those dreams — in time.

Start saving

Get your priorities straight. Without taking all the fun out of life, what’s more important to you, weekends on the road and dinners out or stashing away at least part of your down payment? (Most lenders want to see that some of the money you invest is your own.)

Keep your credit record clean

When you go mortgage shopping, lenders will be looking over your payment records. Don’t let a late-payment habit rise to haunt you. (Reformed late-payers can request creditors to erase the blots on their records — for a small fee.)

Look for financial assistance

Your parents and other relatives may be able and willing to give you gifts that will get you over the down payment hurdle. (Loans from relatives will be counted as debts and will lower the amount of mortgage payments your lender will allow you to carry.)

Get some co-signers

Parents, relatives (and unrelated investors) can either co-sign a loan or share the ownership of your home. With shared ownership, you’ll be the resident but your co-investor may share specified expenses (plus tax advantages and equity accrual), and will share in your profit on sale.

Shop for mortgage loans

Qualifying for a mortgage can be managed in several ways to fit your down payment and monthly-payment abilities. FHA and VA loans come with low down payment requirements, and lenders offer ARMs (adjustable-rate mortgages) at initially low interest rates. (Look for an ARM that can be converted to a fixed rate should rates drop.)

Consider creative financing

Also, new-home builders and other sellers may offer buy-downs that lower your interest rate in the first few years of a mortgage, thereby making a home more affordable. Balloon loans (if they have at least a 7-year term) can often bridge gaps and give you time to accumulate equity and/or cash to pay them off. Home sellers can sometimes help you financially — with a lease-purchase arrangement or a take-back loan. Lenders and sellers are constantly creating new ways to help buyers buy homes. We can help you check them out.

Look at starter homes

Once freed of the vision of “instant dream home,” you can look for housing that will start you on the equity-building path to realizing your dream. Condominiums and townhouses are often much less expensive than detached houses and buying one now can serve well as a stepping stone.

Search for bargains

If you’re handy with tools, a fixer-upper home gives you the opportunity to buy inexpensively, fix up and, in a few years, trade up. And if you’re adventurous, auctioned properties in suitable neighborhoods can also be good values. If you don’t mind a longer commute to work, outlying areas frequently offer homes at lower prices than those found close to town.

Whatever route you choose toward buying your first home, keep cool. It may take time to find the right combination of elements, but there is a home out there for you and a way to obtain it. We’ll be most happy to help you create your path to its door.

Call or e-mail us for more information on buying your first home.

Moving On Up | New Buyer Wish List

www.WilmingtonNC-realestate.com

MOVING UP


Today’s Move-Up Buyers Differ From Yesterday’s

If you already own a Wilmington NC real estate home and you’re looking to buy a larger home, you’re a “move-up buyer.” You’re probably a bit different from move-up buyers of yesterday though. Some move-up buyers today are a lot more cautious — and for good reason.

Move-up buyers today are looking for a home to fit their needs because remodeling an existing home to add more space is often more expensive than buying a different home that’s already large enough. That wasn’t the case before and during the housing boom.

Convenience is the name of the game today. Many move-up buyers want to exchange their move-in-ready home for a bigger one in the same, move-in-ready condition. Most move-up buyers today want the ease of simply moving, but not managing a large or potentially complex remodeling project.

Typically, move-up buyers are confident that their personal financial situation is stable and secure enough to allow them to afford a larger property than in the past, but they still demand good value and know home prices intimately. During boom times, move-up buyers counted on steadily increasing salaries (or bonuses) and ongoing, often unrealistic home appreciation to finance their property purchase and upgrades.

Today’s move-up buyers are realistic. Even if they must sell their home for less than they thought they would get (or are underwater with the mortgage and need to come to the closing table with funds), they realize that the move-up home they’re buying is also being sold to them at a lower price than it would have sold for several years ago. Sell for less, buy for less equals a good outcome overall.

Smart move-up buyers of today have learned the mistakes of yesterday’s move-up buyers to take advantage of good values in the real estate market. No matter what your home needs are today, we can guide your home search to find the best value to meet your financial goals and family needs.

Moving? Steps to save money….

www.cbbaker.com 

Wilmington NC

Moving services can be costly, but there are some things you can do to help keep down the cost of moving your household goods:

  • Do as much yourself as possible. Rent a van, pack, load and move with help from family and friends. At least do the packing to cut mover’s charges considerably.
  • Move off-season. If possible, schedule your move after September 30 and before May 1 for lower moving or truck rental rates.
  • Get the floor plan of your future home to ensure your furniture will fit-get rid of what won’t.
  • Toss old clothes. A full wardrobe carton weighs 75 pounds. Why ship items you won’t ever wear again? Instead, hold a tag sale and give someone else the chance to enjoy them.
  • Toss or sell low-value, heavy and large items you no longer need or want. Items such as weight-lifting equipment, bird baths, appliances, a pool table, etc. have a way of weighing you down.
  • Be generous. Donate items you don’t want to a charity and take a deduction at tax time. Many charities will be happy to pick up heavier items at your home.
  • Avoid storage expenses by coordinating move-out and move-in dates so you can transfer possessions directly from the old home to the new one.

Wilmington Housing Summit | September 9/6/143

From wilmingtonncgov.com

 

The city, in partnership with the Affordable Housing Coalition of Southeastern North Carolina, is hosting the summit, which will be held at the Terraces on Sir Tyler, located at 1826 Sir Tyler Dr.

The registration fee is $25 per person, including lunch, and is limited to the first 250 people who sign up. Interested citizens can register here online.

Who should attend: Local community leaders, realtors, developers/builders, architects/planners, non-profits, human resource professionals, real estate attorneys, lenders and interested citizens who are impacted by the complexities of the emerging housing market.

The summit will spotlight the demographic shifts, changing market demands, rising energy costs, and new economic realities for families, government, and the development community. It will also include an interactive forum about the impact of these changes on future development and redevelopment of housing in Wilmington.

 

The summit will include nationally recognized speakers as well as panels of state and local experts in the areas of residential and commercial development, government, finance and business. Attendees will participate in round-table discussions about the future for housing and development in Wilmington.
For more information, call 341-3239.

17th Annual Lumina Daze | Wrightsville Beach NC real estate

lumina wrigthsville beach
Lumina Daze at Wrightsville Beach

17th Lumina Daze


Sunday, August 25, 2013

Blockade Runner Beach Resort

Wilmington Big Band, Dixieland All-Stars, 
The Imitations

From the Wrightsville Beach Museum website:

Click here for 2013 EVENT SCHEDULE

Live auction in addition to the popular Silent Auction.  Live Auction Items Include:

    • Historic Downtown Package – 4 trolley passes, 4 Historic House Museum 3-House passes, an item from the gift shop from each of the 3 houses.
    • Marine Max – boat cruise for an evening
    • Shrimperoo for up to 25:  Courtesy of Lackey Builders, Inc., DC North, Middle of the Island Catering, and Greenville Loop Seafood
    • Painting by Betty Brown
    • Jamis Earth Beach Cruiser Bike
    • Kingoff’s Jewelers – diamond bezel pendant, 14K white gold
    • Stand Up Paddleboard and Paddle
    • Recognition / Memorial Plank in Wrightsville Beach Museum Boardwalk

Silent auction items include:

    • Airlie Gardens – “Summer Fun for Four” includes cooler, blanket, 4 coozies and 4 tickets to one concert in the Airlie Concert Series or admissions to the Gardens
    • Harbor Island Garden Club Harbor Way Gardens Pathway Brick and a HIGC Cookbook
    • Motts Channel Seafood gift basket – gift certificate, t-shirt, cheese grits, cocktail sauce, seafood breading.
    • LM Restaurants gift certificates, t-shirts, canvas bags, coozies, key rings
    • Bill Creasy – photo of Harbor Island, circa 1929
    • Las Olas Mexi-Q Grill gift certificate
    • One Hour Tennis Lesson – with Charlie Owens
    • Necklace by Kay Morgan
    • Two tickets to Wrightsville Beach Scenic Tour Sunset Cruise
    • “Day at the Beach” photo art by Mike Bryand
    • Green Goddess Essentials Basket from Green Goddess Essentials
    • Taste of Wrightsville Beach  – two passes, from Wrightsville Beach Foundation
    • Gift Certificate from Great Outdoor Provision Company
    • Four Personal Training Sessions with Shay Duval – “A Body to Live For”
    • Four Guest passes to the Children’s Museum of Wilmington
    • Three full-day passes for Deep Sea Fishing on “Vonda Kay”
    • Gift Certificate and Dog Treats from Unleashed – the dog and cat store
    • Men’s Seiko Divers Watch
    • Lady’s Seiko Divers Watch
    • Handmade Sterling Silver and Inlaid Opal Surfboard Pendant with Chain
    • Handmade Sterling Silver and Inlaid Opal Dolphin Pendant with Neck Wire
    • Sterling/Gold Mahdi pendant with chain
    • Greenville Loop Seafood Gift Certificate
    • Personal Chef for an evening meal
    • Lovey’s Natural Foods and Cafe Gift Basket

TIMING: Seven Buying and Selling Secrets To Know Before You Relocate | Wilmington NC

 

www.WilmingtonNC-RealEstate.com

The secret to a successful relocation is timing — synchronized buying, moving and selling. Good timing just takes a little advance planning that puts you in control. Here are seven relocation secrets to make your move work smoothly for you.

Wilmington NC real estate

 

 

1. Sell First

Ideally, you should sell your current home first in order to have all your financial resources available to purchase your next home. You want to avoid waiting until the closing on your new home forces you to sell your old home under the gun. Note that in some markets today, houses are moving so quickly that sellers will not even consider taking a contingency clause that postpones their sale until the buyer’s home sells. Setting the right price for your home and having a customized marketing plan are your best bets for bringing about a quick sale.

2. Find Out What You Can Afford

{short description of image} While your house is on the market, look at what’s available to buy within your price range in your destination area. Your perfect house is out there, but take as much time as you can to find it. It’s not just the house you’ll have to live with — you’ll want to find out about the neighborhood, the schools, proximity to shopping, etc. before you commit to your next home.

3. Shop For A Loan Before You Shop For A House

Try to lock in the best rate you can find. Get pre-approved for financing so you have more bargaining power when you bid on a house. With a pre-approved loan, you’ll be able to go to closing on your new house faster.

4. Coordinate Settlements And Moving Dates

Try to move directly from the old home to the new one. Sometimes you can rent back the old property for a few days or weeks if closing on the new one is delayed. Another alternative is an interim move to an apartment for a short time while waiting to close on the new house.

5. Begin Fix-Ups And Pre-Sale Improvements Early

Have any needed work completed before your house goes on the market. Consider having a home inspection early in the fix-up process so you know what’s important to repair or replace before you set the sales price for your house.

6. Work Closely With Your Agent

Make sure every “i” is dotted and every “t” crossed on time for both closings. You may save time and money for the buyer of your old home with lower “re-issue” fees by referring them to the previous providers of inspections, surveys, title insurance, etc. The information is in your settlement papers. And, if it’s a busy season, line up appointments in advance with the people you’ll need to close on your new house.

7. Avoid The Last-Minute Rush

Call us early. We’ll gather information and provide it to you quickly so you can make informed decisions and workable plans.  910-202-3607 or bakerwayneassociates@ec.rr.com

Live on the water….Believe you can and you’re halfway there. Theodore Roosevelt

Wilmington NC Waterfront Properties
For Advanced Search click “Search Properties Now” Silver Button

Waterfront Homes from $100,000 – $200,000 – Find Here

Waterfront Townhomes and Condo’s from $100,000 – $200,000 – Find Here

Waterfront Homes from $200,000 – $400,000 – Find Here

Waterfront Townhomes and Condo’s from $200.000 –  $400,000 – Find Here

Waterfront Homes from $400,000 – Find Here

 Waterfront Townhomes and Condo’s from $400,000 – Find Here

 Waterview Homes, Townhomes and Condo’s – Find Here

Waterfront and Waterview Foreclosures – Find Here
Waterfront and Waterview Shortsales – Find Here
To Search Different Criteria and Want’s – Find Here 

 To live by the water is devine…

Waterfront Wilmington NC

Real Estate Listings – www.WilmingtonNC-realestate.com

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.

Waterfront Real Estate in Wilmington NC

Please feel free to contact us with any questions or requests about waterfront homes for sale or waterfront real estate in Wilmington, NC, or any location in the Cape Fear Region. We have lived here all our lives and can help match a neighborhood with a home and schools. We  know where the best shopping is and all the main attractions. If you are looking for a second home or investment property in Wilmington, NC, there are still real deals in the great coastal area, but you will need a real estate expert to help you. We are experienced real estate professional’s who has decades of home buying and selling experience in waterfront properties in Wilmington, NC area.

Marinas and Yacht Clubs

 click here for list

Wilmington NC offers an assortment of Marinas and Yacht Clubs for your boating enjoyment. They are located from Carolina Beach north to Scotts Hill. You can get the details about specifics on each one right here.

For true local and knowledgable service in waterfront homes in Wilmington, NC please contact us today at 1-800-497-7325 Ex. 3607 or email atmailto:kaybaker@seacoastrealty.com

Wilmington, NC Waterfront Neighborhoods

 

Arjean by the Sound
Avalon West
Avenel
Bald Head Island*
Bay Harbor
Bluepoint
Bradley Creek Point
Bridgewater Bluffs
Carolina Bay
Cedar Island
Cedar Landing
Chanel Haven
Channelwalk
Charleston Landing
Demarest Landing
Dolphin Bay
Dunbar Landing
Driftwood Villas
Edgewater Subd
Egret Landing
Elliott Place
Figure Eight Harbour
Figure Eight Island*
Greymarsh Crossing*
Harbor Villa
Headwater Cove
Hickory Knoll
Holiday Hills
Hollyholm
Inlet Park
Inlet Point Harbor Sub*
Inlet Watch Estates*
Intracoastal Watch
John’s Creek
Landfall*
Loder Landing
Marywood
Masonboro Bluffs
Masonboro Harbour*
Masons Bluff
Middle Oaks
Old Chimney
Osprey Point
Oyster Bay
Pelican Reef*
Porter’s Neck
Purviance
Sanddollar Shores
Sandfiddler Point
Saponas Point
Scotts Hill Bluff
Shal-a-Moor
Shandy Point
Shinn Creek Estates*
Shinn Point*
Sounds Edge at Bradley Creek
South East Harbor
Register Place
River Island
Tangle Oaks
The Tides* 
Timber Creek
Towles*
Tidalwalk*
Turtle Hall*
Waterway Lodge
Westportt

Seven Smart Ways To Reduce Your Mortgage Rate | Wilmington NC real estate

After you get a comfort zone about shopping for a mortgage, start looking for Wilmington NC real estate online ~ http://www.WilmingtonNC-realestate.com
1. Compare Mortgage Companies
2. Float Down
Financial products introduced recently will lower your rate if market rates fall, but won’t raise it if rates creep up again.
3. Quick Close
If you can settle on your loan quickly (say, 30 days or less), some lenders will agree to shave percentage points off your rate.
4. Lock In
If you fear rates are going to rise, lock in early before they do. Some lenders allow a float-down option, but with an up-front fee.
5. Pay Points
If you’re willing to pay some interest up front (known as points), you can get a fixed-rate mortgage with a lower interest rate.
6. Stay Awhile
If you agree to keep the same loan for five years or longer, some lenders will cut their interest rate. If you do move or refinance before the agreed-upon deadline, you may have to pay a penalty of about 1% of your loan.
7. Use Good Credit To Negotiate
Do you have A-1 credit? If so, you’re a hot commodity for lenders. They may even be willing to reduce closing costs to get your business. If interest rates are firm, ask for a reduction in fees for document preparation, processing, courier services, copying, underwriting, appraisal or application. Other reductions might include: fewer or no points, lender’s attorney’s fee, commission rate (for mortgage brokers) and the credit check fee. On an adjustable rate mortgage, ask for a lower starting rate.

With so many options available, you may need a professional to help you choose the best program for your situation. Call us today to see what’s available in your area.  910-202-3607 or bakerwayneassociates@ec.rr.com.

USDA 100% Financing in Wilmington NC | Real Estate

Current list of homes in Wilmington NC here.

There is still USDA 100% financing money available on certain homes in the area. This is a possible Scenario –

$100000.00 Purchase Price

2% Guarantee Fee ($2000.00) added to the purchase price equals a financed amount of $102000.00

If the interest rate were 3.875% (APR 4.12%) the principal and interest would be $479.64

***then add the monthly amount of .03% which in this example would be $30.60***

The payment is $510.24 before taxes and insurance

Click Here for a partial list of USDA homes in New Hanover County –

USDA is still an amazing loan and this monthly fee should not discourage buyers from using this program because this is most often the most economical way to purchase a home.

Kristina McLeod

New American Mortgage

USDA Quick Guidelines

· 100% Financing on a low 30 year fixed rate
· No PMI
· 2% Guarantee Fee (Ex. Purchase price $100000.00 +2%=$102000.00)
· Monthly .03% USDA fee (Ex. $100000.00 at .03% =$30.60 per month)
· Borrower cannot own any other properties.
· 640 credit score minimum
· Up to 6% seller concession allowed
· Borrower must meet income restrictions per county. Use $73050.00 for New Hanover and Brunswick. If your income is close to that figure don’t assume they don’t qualify. There are a few exceptions to the rule.
· Try to avoid in ground swimming pools. These can be done on a case by case basis.
· Home must be located in a certain area. http://eligibility.sc.egov.usda.gov/eligibility/welcomeAction.do
This is the place to look to see if the property is eligible. As a general rule, in New Hanover County you would look north of Gordon Rd. and South of Monkey Junction. Almost all of Brunswick county is USDA eligible.To search all homes in Wilmington NC please visit http://www.cbbaker.com

For a quick list of some of the USDA homes in the area – let us know your wants in a home and neighborhood and we can email you a list of available homes asap.