Charlotte Metro, Charlotte Uptown and Matthews North Carolina real estate listings, home buying, selling and relocation information

Charlotte Metro, Charlotte Uptown and Matthews real estate and homes for sale in North Carolina, condos, townhomes, golf course properties, waterfront properties - Natalie Terry, REALTOR®

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Natalie Terry, REALTOR®, real estate agent and broker for Charlotte Metro, Charlotte Uptown and Matthews North Carolina home listings, property and land for sale - NUMBER1EXPERT(tm)

Natilie and Tim Terry would like to use their expertise to help you. Call them at: 704.575.5400 - or email them!

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Resources: Charlotte Metro, Charlotte Uptown and Matthews North Carolina home buying, real estate listings, and homes for sale in Mecklenburg County, NC

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REAL ESTATE RESOURCES:

	Special Offers: Special offers for Charlotte Metro, Charlotte Uptown and Matthews homeowners from Natalie Terry, top Realtor
	Affiliates: Natalie Terry's real estate web site affiliates
	eNewsletter: Natalie Terry's Charlotte Metro, Charlotte Uptown and Matthews newsletter email will send you the latest real estate information
	Today's Real Estate News: Daily real estate news for this neighborhood, North Carolina, and United States
	Market Conditions Report: Market conditions report for this area, North Carolina, and United States
	Monthly Payments & Schedule: Monthly loan payments java mortgage calculator
	How Much Can You Afford?: Calculate how much home you can afford with this financial calculator
	Determine Tax Savings: Calculate how much your monthly Charlotte Metro, Charlotte Uptown and Matthews North Carolina mortgage payments save you on your taxes because of loan interest
	Should You Rent or Buy?: Is it better to rent a home in North Carolina or buy your own Charlotte Metro, Charlotte Uptown and Matthews house, ranch, luxury property, condominium, acreage, or other real estate?
	Adjustable Rate Mortgages: Adjustable rate Charlotte Metro, Charlotte Uptown and Matthews mortgages information and interest rate java calculator
	What Is Your APR?: Determine the Annual Percentage Rate (APR) for your mortgage.
	Fixed or Adjustable Rate Mortgage?: Use this calculator to compare a fixed rate mortgage to two types of ARMs, a Fully Amortizing ARM and an Interest Only ARM.
	Are Balloon Mortgages For You?: Balloon mortgage calculator. A balloon mortgage can be an excellent option for many home buyers.
	15 vs. 30 Yr Mortgages: With a 15 year mortgage you will pay significantly less interest, but only if you can afford the higher monthly payment. Use this calculator to compare these two mortgage terms.
	How Much Should Your Income Be?: What income is required to qualify for a mortgage? Use this calculator to find out.
	What's Your Maximum Mortgage?:This calculator will help you determine your maximum monthly housing payment and the resulting mortgage amount.
	Will Buying Points Save You Money?:This calculator helps you determine if you should pay for points, or use the money to increase your down payment.
	TripleCalc: FREE Software Download: TripleCalc lets you compare three loans at one time for your property or other North Carolina real estate
	Top National Real Estate Web Sites: Real Estate Web Sites that include some unique sources of realty information, listings, and more
	Ask Anything: Ask Natalie Terry anything real estate
	NUMBER1EXPERTS: List of all the NUMBER1EXPERT real estate agents and realty professionals and brokers in the USA and Canada with links to their personal web sites with homes for sale
	Real Estate Tips: Natalie Terry's realty library of real estate tips and advice on everything from preparing your home for sale to negotiating with home buyers to escrow, closing costs, property inspections, and mortgage brokers
	Real Estate Trivia: Natalie Terry's collection of real estate trivia questions and answers that include real estate topics such as the most expensive home, largest swimming pool, and more
	Real Estate Dictionary: Complete real estate dictionary and glossary of realty words you'll use when you list and sell your Charlotte Metro, Charlotte Uptown and Matthews property in North Carolina, including legal terms definitions, and more

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Financing Your Home >Hybrids Offer Low Rates

In the field of home financing, "hybrid" mortgages have grown in popularity with homebuyers. With interest rates gradually rising in today's market, the hybrid mortgage product saves money, provides a period of fixed-rate security and helps buyers qualify for financing.

Hybrid mortgage loans offer a very low fixed-rate for a period of time, usually from 5 to 7 years, then revert to an adjustable rate mortgage (ARM) for the remainder of the term of the loan. The interest rate is typically lower than with a 30-year fixed-rate loan, and the borrower has the assurance that the rate will not change for a period of years. Such a loan works well for buyers who plan on reselling the home within a finite period.

Other specialty mortgages now available include an ARM loan with a provision allowing it to be converted to a fixed-rate loan when that is a practical step for the borrower. Still others offer an interest-only loan that requires payments to be made on the interest only for a specified number of years, then reverts to an amortized loan with interest and principal payments each month. Consult with an experienced mortgage professional to determine whether one of these loan products will meet your needs.

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Q	What is the average price for a home in the United States?
A	According to recent data published by the NAR, the national median price for existing single-family homes is now $230,000.
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Colleagues with expertise and a desire to help!
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Natalie Terry
Keller Williams Realty
3430 Toringdon Way, Suite 101
Charlotte, NC 28277
Tel: 704-575-5400
Fax: 704-602-0552
Natalie's Terry's Email: natalieterry@NUMBER1EXPERT.com
Tim Terry's Email: timterry@kwcharlotte.com
Real estate has been my passion for the last five years and I wouldn't change a thing. After all, coming into Real Estate is how I met my husband Tim. We've been married for two years and when we're not selling homes and teaching new agents, we enjoy traveling, spending time at our beach condo, cookouts with our family and friends and Bobcats Basketball.

My family moved from Paris, France to Charlotte when I was 10 years old. I consider myself a Charlotte native, having grown up here and gone to the College of Nursing at UNCC. I was an RN in a busy ICU and ER for 5 years and enjoyed 10 years in the Army Reserves and Army Nurse Corps. I'm proud to have served our country in Desert Storm.

In order to better serve all of my buyer and seller clients, I have furthered my education in real estate by earning the highly coveted Certified Residential Specialist (CRS) designation, awarded to less than 5% of all Realtors® nationwide.

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