Melissa Moore Your Morrisville, NC Real Estate Agent

Have you checked out CARPENTER VILLAGE IN CARY YET? You should.

Single family homes, condominiums, townhomes, and an affordable lifestyle are currently being offered.

This charming community is close to RTP, restaurants, shopping, Green Hope Elementary School and the Western Wake Regional Library. Cedar Fork Elementary, West Cary Middle and Panther Creek High schools are also nearby. A short commute to Research Triangle Park, I-540, I-40 and RDU make this area a highly desirable place to live.

Prices range from $170,000 (1,400 sq ft) 2 bedroom, 2.5 bath townhouse to $600,000 (4,400+ sq ft) 6 bedroom, 4 bath single family detached. Amenities include a pool and cabana, tennis courts, walking trails around the lake, a gazebo and a host of friendly neighbors.

The neighborhood bodes many different home styles that complement the charming old town feel you will undoubtedly get when you visit this unique community.

Carpenter Village can be found at: I-40 East to Aviation Parkway/Morrisville Carpenter Road (Exit 285). Travel west 4.4 miles to Legacy at Carpenter Village on the right.

Click here for Carpenter Village Neighborhood Homes Currently Listed for Sale:

Call me today to setup a showing for YOUR NEW HOME!
Melissa Moore - REALTOR
919-610-1585
melissa.moore55@yahoo.com
My Website - More Homes

Have you been trying to decide when the best time to buy your first home? Waiting for the housing market to hit the bottom? Well, it's here. Economists indicate that the worst is over. Read more here.

Once you decide to jump off the fence, here are a few tips to consider when preparing your home search.

1. When is your lease up? When CAN you move? Are you allowed to sublet? It may take up to six months, to talk to a lender to get pre-approved, find your agent, view homes, let your agent negotiate the best price/terms for you, setup closing and get the KEYS to YOUR NEW HOME.

2. Think long term. Are you looking for a starter home for a few years or are you hoping to stay in this home for longer? This decision may dictate what type of home you will buy as well as the type of mortgage terms that suit you best.

3. Don't let yourself be house poor. If you max yourself out to buy the biggest home you can afford, you'll have no money left for maintenance or decoration or to save money for other financial goals.

4. Don't be naive. Insist on a home inspection and if possible get a warranty from the seller to cover defects within one year.

5. Get help. Consider hiring a REALTOR as a buyer's representative. He/She will help you buy your home at the best possible price and terms. And most often, buyer's reps are paid out of the seller's commission payment. You should also use your own representative when purchasing New Construction. Read more here. REALTORS are professionals. It's our job. Let us work for you.

Will you take advantage of the new Federal New Home Buyer Tax Credit.

What are you waiting for? The time is NOW!!!

Consider Exit Select Realty
www.melissamoores.com
melissa.moore55@yahoo.com

I hear this alot, "I'm buying new contruction. I don't need a Buyers Agent" ...or do you? You want to get the best possible deal you can, right?

Well, here's my reply...It's always best to have your own professional representation, no matter the buying situation (resale or new contruction). The sellers (listing) agent is just that, the sellers agent. They owe their fudiciary to the builder/seller and will work in their best interest. They are required by agency law to do so. Therefore, they, by law, must share any knowledge they have about you that may be advantageous to the seller. You may provide this information without really realizing. Therefore, it is always best to have a Buyers Agent handle all negotiations and communications with the sellers agent on your behalf. As a Buyers Agent, I am required to provide the Buyer with what I like to refer to as LOADS of responsibility...Loyalty to you, Obey your lawful instructions, Accountable for monies, deposits, forms, etc, Disclosure of all material facts that could influence your decision making and Skill, care and deligence in respresenting and negotiating on your behalf. Let me represent YOUR best interest.

If you are thinking of purchasing New Construction or a resale, please consider Exit Select Realty for all your real estate needs. www.melissamoores.com

May your day be full of blessings!
Melissa Moore - REALTOR/Broker
melissa.moore55@yahoo.com

Here are a few tips to help you increase your credit score. Especially if you plan on purchasing a new home in the near future or even just as good practice to make sure you get the best rates.

1. Make all your payments on time. If you have had past due payments on your report in the past, make sure all payments made within the last 6 to 12 mos have been made on time. Lates make up 35% of your score.

2. Outstanding Debt makes up another 30%. Payoff whatever you can prior to applying for a loan. If that's not possible, call your credit card companies and ask for an increase in your limit. This will increase your available credit thus increasing your debt ratio. Now don't go charging up a bunch of stuff just because your limits have increased. The goal is to increase the gap from what you owe to what credit you have available to you. You can also get a GIFT to payoff any debt prior to applying for a loan.

3. Length of Credit History makes up another 15%. Do not close out your old accounts or any for that matter. This also increases your available credit. Even if you don't use the cards, keep them open. If you close one card with a $10,000 limit that will reduce your available credit by that same 10k possibly making your outstanding debt ratio reduce your score. Use and payoff balances on all cards at least once a year to keep the companies from closing your cards. Just make sure to payoff.

4. Have a good mix of cards. You want a few department store cards, like Home Depot or Wal-Mart (just to name a few, not recommending over any others). Also installment loans like car loans, and a Visa and a MasterCard. Again, just make sure you have the discipline to payoff the cards monthly or within a short period of time.

5. Review your credit report at least once a year. Get scores from all three bureaus. They may differ depending on their criteria, but you should know what each report contains and the scores.

6. There shouldn't be anything on your report over 7 years old unless it's a bankruptcy or such. If there is, you can request that information be removed. Also look for incorrect information and have that fixed.

Here's some DON'Ts after you have applied and been approved for your loan, prior to the closing.

1. Don't miss payments or pay late.

2. Don't make any big purchases like a vehicle or second home.

3. Don't open any new accounts.

Hope these tips help. If you have others you would like to add, please comment on them!

If you are thinking of buying or selling, please consider Exit Select Realty.

Melissa Moore REALTOR
Exit Select Realty
melissa.moore55@yahoo.com
www.melissamoores.com
919-610-1585

8 Reason why you should Hire a Realtor

Why it's a good idea to hire a REALTOR®.

1. You will have a professional to guide you through the process. Buying and Selling a home requires disclosures, forms and setup of inspections, mortgage loans, etc and a REALTOR® has experience to help you get the best deal.

2. You can receive objective information and opinions from an unbiased professional that knows the area and the market. They do not have an emotional tie to the property.

3. REALTOR® can help you find the best property out there to fit your needs. We have access to databases of thousands of qualified agents that specialize in buying and/or selling.

4. You can benefit from your REALTORs® negotiating skills. They have been there and done that. It's part of the job. We will work to get you the best deal possible.

5. We have marketing power. Real estate doesn't usually sell on advertising alone. It mostly sells due to the vast network of past clients, referrals and friends and family of REALTORs®.

6. Real Estate, like most professions, has it's own language. We are familiar with the acronyms that most may cringe to see.

7. Buying and Selling is emotional for most homeowners and buyers. See No. 2 above.

8. REALTORs®, those that are members of NAR (National Association of Realtors) are committed
to adhere to a strict code of ethics, which is based on professionalism and the protection of the public. We are also required to complete refresher courses to stay current on the changes to laws, forms, etc.

Are you ready to HIRE your REALTOR®? My Website