How To Look For The Most Affordable Mortgage | #Wilmington NC real estate

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With lenders quoting a wide variety of interest rates and points, smart mortgage shoppers take a close look when comparing borrowing costs. Sometimes it turns out that the lowest interest rate isn’t necessarily the best buy. Here are some tips: Loupe

  • Compare borrowing costs.
      The simplest way to compare borrowing costs is to ask the lender for the actual annual percentage rate (APR) – the true interest on the loan. The APR consists of the simple interest rate, plus all other charges imposed by the lender. It’s not at all unusual for the APR to be substantially higher than the rate quoted by the lender. What’s more, a simple rate quoted by one lender, although higher than another lender’s advertised simple interest rate, may turn out to have the lower APR.
  • Count the points.
      For the shopper who wants to take into account the cost of points (each point is equal to 1% of the loan amount), an simplified rule of thumb comes in handy: Each point is roughly equal to an interest rate increase of 1/8 of 1% over a payback period of 30 years. Thus, a lender offering a 10% rate with no extra points is offering a better deal than the lender offering, say, a loan at 9 7/8% plus two points. Which is best for you depends on how long you plan to live in the house.

Please call or e-mail us today. We can help you get through all the steps of home buying and selling with the least amount of confusion possible.  Search All Wilmington NC real estate on http://www.cbbaker.com

Fixtures Can Add Beauty, Value And Convenience To Your Home

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Little things do count — sometimes a lot! Adding or replacing some of your home’s fixtures — which will stay with it when you eventually sell — can give your home an attractive up-to-date look, more functionality and a higher market value. Here are a few ideas to get you started:

  • Distinctive exterior light fixtures, perhaps with motion sensors or timers. Think about floodlights and path lights, too!
  • A new mailbox and address plate.
  • A new water hose holder or winder.
  • A beautiful sounding doorbell.
  • A polished brass door plate, door knocker or handle-and-lock set for your front door.
  • New knobs or levered handles for interior doors.
  • Up-to-date interior light fixtures — chandeliers, sconces, ceiling globes, under-cabinet lights in the kitchen, etc.
  • Fresh faceplates for wall outlets and light switches (especially replacing the painted-over ones!)
  • Decorative curtain and drapery fixtures and rods.
  • Attractive kitchen and bathroom drawer pulls and cupboard handles.
  • Shiny new water taps and faucets for sinks, tubs and showers.
  • New towel racks (why not towels too?).
  • Quieter bathroom exhaust fans.
  • A sturdy, unstained laundry tub.
  • A pegboard and clips for hanging tools in the garage or work room.

Location. Location. Location | Wilmington NC real estate

What do Wilmington NC real estate  agents mean when they say the  three most important factors in  selecting a house are  “location, location, location”?
 
Door Knocker The house is wonderful! But before you buy, carefully check the location to be sure this is the house you want to buy.

  • Consider destinations
      Where will family members go most often from this new location? How easy is it to reach those places from here? How accessible are schools, churches, grocery stores, medical care, public transportation, shopping malls, and neighborhood services?
  • Be sure rooms have a view
      What is the view from the house and yard? Is the yard right for your anticipated activities? What uses are possible for nearby undeveloped land? Is a new road planned?
  • Check around the clock
      Is rush hour traffic a problem? What will be the impact of special events like local high school games or church picnics?
  • Crash test the driveway
      How easy is it to get into and out of the driveway?
  • Be service conscious
      What utilities serve this property? Are the rates competitive? Do you want an all-electric house, or do you want gas or oil heat? Where will you get your mail? Where are the easements?
  • Dig below the surface
      Is the soil stable? Is part of the property on a flood plain — if so, what is the history of floods on the property?
  • Visit the neighbors
      How will you fit in with the neighbors? Do people seem to be friendly? Are houses well-maintained?
  • Read the fine print
      If the community has special by-laws or architectural controls over changes to a house, what are the pros and cons?
    Make a list of the positive and negative aspects of each property as you tour it. Assign priorities to important elements of the house’s location.

Do you have home questions about a specific location? We can help. Call or e-mail us now,  910-202-3607 or bakerwayneassociates@ec.rr.com

Here is our Coldwell Banker Homebuyer guide to help you.
 
www.cbbaker.com for all your Wilmington NC real estate needs.
 
 
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Historic Italianate Bowden – Foard House | Wilmington NC real estate

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114 N. 7th St.
Wilmington, NC 28401

Historic Italianate Bowden – Foard House

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114 N. 7th St. Wilmington NC 28401 

 
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 Historic District | Wilmington NC

114 N. 7th St. | Bowden – Foard House

Property Description

Delight in this Circa 1883 Bowden-Foard house in the Historic District of downtown Wilmington. The owners have done an exceptional job in updating the necessary features of this home including all new plumbing lines and bathroom fixtures, a new roof and HVAC in 2006, and much of the electrical system while respectfully preserving many of the details and features that keep this home true to its heritage. Most light fixtures are original as are the heart pine and maple floors. The family room is a private sanctuary that can be closed off by French doors or open to the magnificent 30′ long grand foyer with high ceilings that add a touch of elegance and grandeur to this historic jewel. All rooms have cable and phone access and the home is full electric. The kitchen has been tastefully updated with a glass cook top, cast iron sink, tumbled mosaic marble counter tops tying in the historic elements of this gracious home. A landscaped patio area awaits your down time. Steeped
in history, this Circa 1882-83 Italianate Cottage has been updated and brought into the 20th century while maintaining the integrity of many details of the original construction.

114 North 7th Street | Wilmington NC 28401 Historic Bowen – Foard House Circa 1882-1883 Wilmington NC Finest Real Estate
 

To send a virtual tour to your cell phone –

text 14071 to 44133

Call Robin Jones| Baker Wayne Associates for more information 910-619-0491 or robinjones@ec.rr.com

 

Historic Wilmington NC Real Estate

 

GOOGLE www.cbbaker.com WILMINGTON NC

to see what Baker Wayne Associates can do for you. 
Please visit www.cbbaker.com

<!– Wilmington NC Real Estate Information –>

For Sale

US $368,000

MLS#: 468685

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65th NC Azalea Festival Wilmington NC 2012 | Wilmington NC real estate

 Join us for the 65th NC Azalea Festival in Wilmington NC.  Kenny Logins kicks off the festivities on Thursday night with a concert.   Here is a sampling of the schedule for this weeks festival from the festival website.

 
Azalea Festival Schedule

 
Show events for: Wednesday | Thursday | Friday | Saturday | Sunday

Queen’s Coronation
4/11/2012
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Concert
4/11/2012 – 4/15/2012
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Circus
4/12/2012 – 4/15/2012
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Juried Art Show
4/13/2012 – 4/15/2012
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Cape Fear Garden Club Azalea Garden Tour
4/13/2012 – 4/15/2012
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Street Fair
4/13/2012 – 4/15/2012
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Visiting Ships
4/13/2012 – 4/15/2012
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Parade
4/14/2012
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Coin Show
4/14/2012 – 4/15/2012
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Boxing
4/14/2012 – 4/15/2012
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Historic Home Tour
4/14/2012 – 4/15/2012
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Street Fair Main Stage
4/14/2012 – 4/15/2012
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Street Fair Multicultural Stage

 For more information please visit http://www.ncazaleafestival.org/default.asp

To look at real estate when you are in town, please feel free to visit www.cbbaker.com   Enjoy…. Kay Baker & Associates

Video of Wilmington NC Azalea Festival

Wilmington NC Real Estate, Wilmington NC Homes, Wrightsville Beach Homes

Wilmington NC Real Estate, Wilmington NC Homes, Wrightsville Beach Homes.

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Do the math on this exceptional deal in Whitney Pines. Over 1250 heated square feet, 3 bedrooms, 2 baths, 2-car garage situated on a large lot at the end of the cul-de-sac. Great location near Wrightsville Beach, UNCW, Corning, I-40, NC 140, GE, Airport, Mayfaire and shopping. 100% financing available through USDA upon qualifying. Quick access to Market Street from Torchwood for Jacksonville residents. LOW HOA dues! All appliances convey. Excellent primary residence or investment property. INTEREST RATES ARE LOW!! DON’T DELAY! WON’T LAST LONG AT THIS PRICE!  For more details please visit here http://www.cbbaker.com/idx/residential/107084/
 

Wilmington NC Community leaders tackle downtown issues | Wilmington NC real estate

Community leaders tackle downtown issues.

The power breakfast meeting Wednesday with community leaders was held to discuss improving Downtown Wilmington NC.  Most everyone was optimistic on the future of Downtown, but not always on the remedies to the existing problems. 

The panel included Wilmington Mayor Bill Saffo, District Attorney Ben David, William Sharbaugh, chief operating officer of PPD Inc., Chris Boney of Cape Fear Future and David Spetrino, chairman of Wilmington Downtown Inc.

The new convention center is now open and Cape Fear Community College is expanding at a great rate.  This has helped revitalize the area.  Saffo says ” that more needs to be done by the private sector.”

Attorney Ben David discussed the crime in the area and what can be done to bring the rates down.  Education of our young people about getting in trouble is high on David’s list of concerns.  The Dreams Center for Arts is one of the educational programs that was touted.  More cultural centers are needed and that is one area that maybe the private sector could start to help the entire downtown cultural feel. 

To search Wilmington NC real estate in the downtown area, please visit Downtown Real estate