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The Money Rules

The time has finally come: you are ready to purchase a home! To ensure a smooth process, there are a 10 things you should avoid from application to closing. DO NOT:

1. Change jobs, become self-employed or quit your job

2. Buy a car, truck or van (or you may be living in it!)

3. Use credit cards excessively or let current accounts fall behind

4. Spend money you set aside for closing

5. Omit debts or liabilities from your loan application

6. Buy furniture

7. Originate any inquiries into your credit

8. Make large bank deposits without checking with your loan officer

9. Change bank accounts

10. Co-sign a loan for anyone

If you avoid these 10 things, your journey from application to closing will be smooth and easy!

~Celeste

Ross-Haigler Group 4Hismove.com

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Market Update: Closed Home Sales in Union County, NC up 40.8% YTD

local market update march ross haigler group keller williams

Maybe you’ve heard about how our local Real Estate Market is improving…here’s proof that the trend continues. A few highlights to note from the report above:

  • Closed Home Sales are up 40.8% Year-to-date from 2012 to 2013
  • The average Days on Market have decreased over 15% Year-to-date from 2012 to 2013
  • The Inventory of Homes for Sale in Union County is down 34.4% compared to March of 2012
  • The Months Supply of Inventory continues to decrease and is currently only 4.2 months – that’s a decrease of over 53% compared to last year!

The numbers above tell a story. We are definitely seeing the movement in homes that are priced to sell and also in a shortage of homes for our buyer clients that are currently searching. If you want help understanding what all the numbers mean and to see what this means for your home, give us a call or email our team today. We’d love to join you for coffee and chat about how we can serve you in all your Real Estate needs.

We’re here to help you navigate this active market!

~Starr
Ross-Haigler Group
4Hismove.com

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_______________________

The Ross-Haigler Group at Keller Williams Realty
Full Service Team of Licensed Real Estate Professionals servicing the region surrounding Charlotte, NC

Our Vision
The Ross-Haigler Group exists to achieve a higher standard in the Real Estate industry by: continually exceeding our client’s expectations, treating others with respect and honesty, and living our company values – God. Family. Business.

1st Day of Spring: Outdoor Living Inspiration

RossHaiglerGroupOutdoorLiving

Do you ever wish that you had an amazing outdoor living room? Me too! Well, in honor of the 1st day of Spring, we’re highlighting our “Outdoor Living” board on Pinterest! Here you can find all kinds of outdoor inspiration – for all budgets, small DIY (my favorite) to extensive renovations.

Here’s just a few of my favorite pins so far on our page:

This slideshow requires JavaScript.

Happy 1st Day of Spring, ya’ll – and happy pinning 🙂

~Starr
Ross-Haigler Group
4Hismove.com

FacebookPinterestLinkedinYoutubeTwitterE-mail

_______________________

The Ross-Haigler Group at Keller Williams Realty
Full Service Team of Licensed Real Estate Professionals servicing the region surrounding Charlotte, NC

Our Vision
The Ross-Haigler Group exists to achieve a higher standard in the Real Estate industry by: continually exceeding our client’s expectations, treating others with respect and honesty, and living our company values – God. Family. Business.

Tuesday’s Tip: What’s My Home Worth?

RossHaiglerGroupKellerWilliamsUnionCounty

Tuesday’s Tip: What’s My Home Worth?

With the current activity in the Real Estate market, you may be wondering, “What’s my home worth?”

The Ross-Haigler Group at Keller Williams Realty is here to help! Receive a custom evaluation for your home, including comparisons to other homes that have recently sold or are on the market. This guarantees you receive the most accurate information available. To find out what your home is worth, fill out the required information. We’ll complete a personalized report for your home, with absolutely no obligation.

~Starr
Ross-Haigler Group
4Hismove.com

FacebookPinterestLinkedinYoutubeTwitterE-mail

_______________________

The Ross-Haigler Group at Keller Williams Realty
Full Service Team of Licensed Real Estate Professionals servicing the region surrounding Charlotte, NC

Our Vision
The Ross-Haigler Group exists to achieve a higher standard in the Real Estate industry by: continually exceeding our client’s expectations, treating others with respect and honesty, and living our company values – God. Family. Business.

A Ross-Haigler Group Listing: 12336 Tantallon Court, Pineville NC

Ross Haigler Group Keller Williams Union County 12336 Tantallon Court Pineville NC 28134 MLS2137707 Jay Ross Brian Haigler-34

Presenting our new listing in Pineville, NC – 12336 Tantallon Court

This beautiful 4 bedroom, 3.5 bath home is approximately 3,167 sq. feet and features a walk-out basement. Convenient to shopping, dining & businesses. Abundant storage areas in basement, walk-in attic storage over garage & upstairs pull down. 2 story entry way & family room. Granite counter tops, hardwood flooring, upper deck & lower patio, irrigation system. Master suite on main floor with bay window, jacuzzi tub, separate shower & dual sinks.

Here’s a quick walk-thru video, enjoy ~

If you would like more details on this home:
http://www.homesinindiantrail.com/listing/mlsid/460/propertyid/2137707/

We look forward to seeing you soon in Pineville!

~Starr
Ross-Haigler Group
4Hismove.com

FacebookPinterestLinkedinYoutubeTwitterE-mail

_______________________

The Ross-Haigler Group at Keller Williams Realty
Full Service Team of Licensed Real Estate Professionals servicing the region surrounding Charlotte, NC

Our Vision
The Ross-Haigler Group exists to achieve a higher standard in the Real Estate industry by: continually exceeding our client’s expectations, treating others with respect and honesty, and living our company values – God. Family. Business.

Community Update: Chick-fil-A Indian Trail Now Hiring & Mercy Animal Hospital

We ventured out into Indian Trail this week to update you on two local businesses coming soon! First, Chick-fil-A of Indian Trail is scheduled to open on June 27 and they are now hiring 100 team members for their new location. If you are interested, you can apply in person every Monday from 1pm to 5pm at the Chick-fil-A in Wesley Chapel.

Next, Mercy Animal Hospital will be opening soon at their new location in Indian Trail behind the QT Gas Station and across from Lowe’s Home Improvement Store – this is at the intersection of Hwy 74 and Sardis Church Road.

Stay tuned for more details!

~Starr
Ross-Haigler Group
4Hismove.com

_______________________

The Ross Haigler Group at Keller Williams Realty

The Ross-Haigler Group at Keller Williams Realty
Full Service Team of Licensed Real Estate Professionals servicing the region surrounding Charlotte, NC

Our Vision
The Ross-Haigler Group exists to achieve a higher standard in the Real Estate industry by: continually exceeding our client’s expectations, treating others with respect and honesty, and living our company values – God. Family. Business.

Do you Pinterest? We do!

pinterest

Maybe you’ve seen this cute little Pinterest Ross Haigler Group Keller Williams Union County Real Estate and wondered what it was all about? Or, maybe like me – you awkwardly referred to this in all your southern charm as “pin-ter-est” ahhh!

This online pin board serves as great inspiration for your home (and really anything else you could imagine!). The most popular items found on Pinterest seem to revolve around DIY crafts, home decor, photography and food. No matter what you’re looking for, you can almost be assured that Pinterest will tell you how to do it, make it, arrange it, paint it and more! I was caught off guard recently as I walked through an airport and overheard a conversation. The man said, “The ladies don’t go to Google anymore, they go to Pinterest to do their searches!” Wow – this statement struck me and a light bulb went off in my mind. I absolutely fit into this category for many items related to our home. I am more likely to go to Pinterest before trying to sort out Google on things like painting a cabinet for my daughter’s room, organizing our pantry, or ideas for re-arranging our living room.

I also find myself answering questions for clients all the time about staging their home that is about to be listed, or just wanting an opinion for updates and renovations in our client’s homes. As I sat in a conference hallway a few weeks ago helping one of my best friends talk through paint colors, it dawned on me that I should start documenting these ideas on a page to help our clients anytime they need assistance. Thus, you have our new Ross-Haigler Group Pinterest page!

On our page, you’ll find topics such as Bathroom Makeovers, Kitchens, Lighting, Flooring, Paint Colors, Family Rooms, Mud Rooms and more. We’ve even included a few pages related to our area – Union County and North Carolina.

Special thanks to the random man in the airport, Monica Watts for inspiring me with her paint questions, and to Joanie Hunter for helping me bring this idea to life (she’s our main pinner for the items you see listed on the page :))

Happy Pinning, friends!

~Starr
Ross-Haigler Group
4Hismove.com

_______________________

The Ross Haigler Group at Keller Williams Realty

The Ross-Haigler Group at Keller Williams Realty
Full Service Team of Licensed Real Estate Professionals servicing the region surrounding Charlotte, NC

Our Vision
The Ross-Haigler Group exists to achieve a higher standard in the Real Estate industry by: continually exceeding our client’s expectations, treating others with respect and honesty, and living our company values – God. Family. Business.

Tuesday’s Tip: 8 Steps to Buying a Home

Ross Haigler Group Keller Williams Union County 8 Steps to Buying a Home

Think you’re ready to buy a home? Take a look at this guide on 8 Steps to Buying a Home to see if you’re ready.

#1 – Decide to Buy (easy enough?)

Although there are many good reasons for you to buy a home, wealth building ranks among the top of the list. We call home ownership the best “accidental investment” most people ever make. But, we believe when it is done right, home ownership becomes an “intentional investment” that lays the foundation for a life of financial security and personal choice. There are solid financial reasons to support your decision to buy a home, and, among these, equity buildup, value appreciation, and tax benefits stand out.

#2 – Hire Your Agent – we can help with that!

Eight important questions to ask your agent

Qualifications are important. However, finding a solid, professional agent means getting beyond the resume, and into what makes an agent effective. Use the following questions as your starting point in hiring your licensed, professional real estate agent:

  1. Why did you become a real estate agent?
  2. Why should I work with you?
  3. What do you do better than other real estate agents?
  4. What process will you use to help me find the right home for my particular wants and needs?
  5. What are the most common things that go wrong in a transaction and how would you handle them?
  6. What are some mistakes that you think people make when buying their first home?
  7. What other professionals do you suggest we work with and what are their credentials?
  8. Can you provide me with references or testimonials from past clients?

#3 – Secure Financing – rates are lower than ever

From start to finish, you will follow a six-step, easy-to-understand process to securing the financing for your first home.

  1. Choose a loan officer (or mortgage specialist).
  2. Make a loan application and get preapproved.
  3. Determine what you want to pay and select a loan option.
  4. Submit to the lender an accepted purchase offer contract.
  5. Get an appraisal and title commitment.
  6. Obtain funding at closing.

#4 – Find Your Home

Questions to ask yourself

  1. What do I want my home to be close to?
  2. How much space do I need and why?
  3. Which is more critical: location or size?
  4. Would I be interested in a fixer-upper?
  5. How important is home value appreciation?
  6. Is neighborhood stability and priority?
  7. Would I be interested in a condo?
  8. Would I be interested in new home construction?
  9. What features and amenities do I want? Which do I really need?

#5 – Make an Offer

When searching for your dream home, you were just that – a dreamer. Now that you’re writing an offer, you need to be a businessperson. You need to approach this process with a cool head and a realistic perspective of your market. The three basic components of an offer are price, terms, and contingencies.

#6 – Perform Due Diligence

Unlike most major purchases, once you buy a home, you can’t return it if something breaks or doesn’t quite work like it’s supposed to. That’s why home owner’s insurance and property inspections are so important.

#7 – Close

The final stage of the home buying process is the lender’s confirmation of the home’s value and legal statue, and your continued credit-worthiness. This entails a survey, appraisal, title search, and a final check of your credit and finance. Your agent will keep you posted on how each if progressing, but your work is pretty much done.

#8 – Protect Your Investment

Even after you close on your house, you agent can still help you:

  1. Handle your first tax return as a home owner.
  2. Find contractors to help with home maintenance or remodeling.
  3. Help your friends find homes.
  4. Keep track of your home’s current market value.

Attention to you home’s maintenance needs is essential to protecting the long-term value of your investment.

Home maintenance falls into two categories:

  1. Keeping it clean: Perform routine maintenance on your home’s systems, depending on their age and style.
  2. Keeping an eye on it: Watch for signs of leaks, damage, and wear. Fixing small problems early can save you big money later.

~Starr
Ross-Haigler Group
4Hismove.com

_______________________

The Ross Haigler Group at Keller Williams Realty

The Ross-Haigler Group at Keller Williams Realty
Full Service Team of Licensed Real Estate Professionals servicing the region surrounding Charlotte, NC

Our Vision
The Ross-Haigler Group exists to achieve a higher standard in the Real Estate industry by: continually exceeding our client’s expectations, treating others with respect and honesty, and living our company values – God. Family. Business.

Country Woods East, anyone?

Ross Haigler Group Country Woods East 1581 Hawthorne Drive Indian Trail NC 28079 MLS2135453 Brian Haigler Jay Ross

We’re finding that one of the most popular neighborhoods in our area is currently Country Woods East! If you’re not familiar, this well maintained neighborhood is located right off of Interstate 485 in Union County, at Lawyer’s Road. There are exceptional schools, low taxes, and what most people love most…no HOA in this community. The location is prime – close to shopping, dining and ease of access for travel.

How do we know it’s so popular? We’ve helped 4 clients buying or selling homes in this neighborhood in the last year and we have one additional client that is searching specifically for this area. There are only 7 homes currently listed and 4 of them are under contract.

This week, we are happy to introduce our newest listing on Hawthorne Drive (above – click the photo to view more info).

A few features that will help this home sell quickly:

  • No clutter; minimal furniture and majority of personal items removed
  • Neutral paint, carpet, and fixtures
  • Well maintained and clean home
  • Lots of natural light – blinds open for showings and lights turned on
  • Ranch floor plan – homes on one level appeal to lots of buyers
  • Cul-de-sac lot with quiet wooded areas
  • Priced to sell – correctly priced for the current market

Here’s the highlight video for 1581 Hawthorne Drive ~ enjoy 🙂

~Starr
Ross-Haigler Group
4Hismove.com

_______________________

The Ross Haigler Group at Keller Williams Realty

The Ross-Haigler Group at Keller Williams Realty
Full Service Team of Licensed Real Estate Professionals servicing the region surrounding Charlotte, NC

Our Vision
The Ross-Haigler Group exists to achieve a higher standard in the Real Estate industry by: continually exceeding our client’s expectations, treating others with respect and honesty, and living our company values – God. Family. Business.

Tuesday’s Tip: Find Foreclosures/Short Sales in Your Neighborhood

rosshaiglergroupnosyneighbor

Welcome to Tuesday’s Tip for Feb. 26

You don’t have to be a nosy neighbor anymore! Our website search tool allows you to search for foreclosures and short sales in your local zip code. The tool is free, easy to use and includes up-to-date information on local real estate property.

2 Steps to find the properties listed in your zip code:

Step 1: Enter Your Zip Code in the AREA Box on the left hand side

area

Step 2: Select “Foreclosure Listings” or “Short Sale Listings” from the left hand side of the page

next

That’s it ~ You can also save searches and set up email notifications to alert you as often as you like. We hope that you find this home search tip useful.

~Starr
Ross-Haigler Group
4Hismove.com

_______________________

The Ross Haigler Group at Keller Williams Realty

The Ross-Haigler Group at Keller Williams Realty
Full Service Team of Licensed Real Estate Professionals servicing the region surrounding Charlotte, NC

Our Vision
The Ross-Haigler Group exists to achieve a higher standard in the Real Estate industry by: continually exceeding our client’s expectations, treating others with respect and honesty, and living our company values – God. Family. Business.

Want to live in Indian Trail?

rosshaiglergroup marketinsiderfeb19

Considering a move to Indian Trail, NC? Here’s a snapshot from our Market Insider for Indian Trail, NC.

Our Market Insider tool provides free data, including:

Price Trends – Sold vs. Listed

Market Inventory Trends

Median Days on Market

Short sales/Foreclosures

Community Info

Local Schools and more!

If you would like to view information for Indian Trail or any other city/town, head on over to our website and enter the zip code. Our tool is free, easy to use and helps you navigate the local Real Estate world. You can even sign up to have updated information emailed to you on a monthly basis.

~Starr
The Ross-Haigler Group
Keller Williams Realty
www.4Hismove.com

_______________________

The Ross Haigler Group at Keller Williams Realty

The Ross-Haigler Group at Keller Williams Realty
Full Service Team of Licensed Real Estate Professionals servicing the region surrounding Charlotte, NC

Our Vision
The Ross-Haigler Group exists to achieve a higher standard in the Real Estate industry by: continually exceeding our client’s expectations, treating others with respect and honesty, and living our company values – God. Family. Business.

Rates are low! Can I afford a home?

ross haigler group affordability

Maybe you’ve been hearing about how Mortgage Rates are at an all time low? But, what does this mean when it comes to paying for a home? See the comparison above and you may be shocked to know that your payment on a more expensive home will actually be lower than it was 25 years ago – when rates were in the double digits. Affordability is becoming more common, especially for first time home owners.

The chart below shows the steady trend from 2006 to the end of 2012. You can see that in December, monthly interest rates hit an all time low of 3.35%.

ross haigler group mortgage rates

Our office has relationships with various Mortgage lenders and banks that would be happy to discuss lending options with current programs and rates. Email us today for more information.

~Starr

The Ross-Haigler Group
Keller Williams Realty
www.4Hismove.com

_______________________

The Ross Haigler Group at Keller Williams Realty

The Ross-Haigler Group at Keller Williams Realty
Full Service Team of Licensed Real Estate Professionals servicing the region surrounding Charlotte, NC

Our Vision
The Ross-Haigler Group exists to achieve a higher standard in the Real Estate industry by: continually exceeding our client’s expectations, treating others with respect and honesty, and living our company values – God. Family. Business.

Union County Market: Now vs. 1 Year Ago…WOW!

Ross Haigler Group Jan Union County Market Update

Have you heard about our local Real Estate market in Union County? The statistics above paint a dramatic picture of the shift we’ve seen over the past year. A few significant highlights that just might interest you:

Months Supply of Inventory: Down 48.9% to 4.5 months (Less than 6 months indicates a strong Seller’s Market)

Closed Sales: Up 48.4% from last year

If you or anyone that you know is considering listing your home, please let us know! We have a low inventory situation and need more homes on the market to meet the demands of buyers. Now is the time to take advantage of less homes on the market before the spring/summer rush of moving during school breaks. View more details on our current local market in Union County in the full January report.

We would appreciate the opportunity to serve you.

~Starr

The Ross-Haigler Group
Keller Williams Realty
http://www.4Hismove.com

_______________________

The Ross Haigler Group at Keller Williams Realty

The Ross-Haigler Group at Keller Williams Realty
Full Service Team of Licensed Real Estate Professionals servicing the region surrounding Charlotte, NC

Our Vision
The Ross-Haigler Group exists to achieve a higher standard in the Real Estate industry by: continually exceeding our client’s expectations, treating others with respect and honesty, and living our company values – God. Family. Business.

Chick-fil-A, Gander Mountain & Hickory Tavern, OH MY!!

Have you heard about the newest businesses locating to Union County, NC? The Ross-Haigler Group takes you on a street tour of the new locations ~

– Starr
Ross-Haigler Group
www.4Hismove.com

_______________________

The Ross Haigler Group at Keller Williams Realty

The Ross-Haigler Group at Keller Williams Realty
Full Service Team of Licensed Real Estate Professionals servicing the region surrounding Charlotte, NC

Our Vision
The Ross-Haigler Group exists to achieve a higher standard in the Real Estate industry by: continually exceeding our client’s expectations, treating others with respect and honesty, and living our company values – God. Family. Business.

Chick-fil-A Coming to Indian Trail

Ross Haigler Group Blog New Chickfila in Indian Trail

Photo by Town of Indian Trail Facebook Page

Have you heard about the latest major business coming to Indian Trail? Yes, we’re getting a new Chick-fil-A! The location will be at the corner of Hwy 74 and Indian Trail Fairview Rd – this same corner lot was previously home to East 74 Restaurant, a local favorite.

We’ve heard that East 74 has plans to reopen in another location soon, stay tuned.

Did you know that Chick-fil-A has a program called First 100? You could win food for a year!! I’m sure that Cubby Squires will be trying for this in Indian Trail 🙂

We’re pretty excited and we’ll keep you posted on the progress of the construction as it comes along. Here’s what it looked like earlier this week as the demolition was taking place:

Ross Haigler Group Blog New Chickfila in Indian Trail

Eat More Chicken 🙂
-Starr
Ross-Haigler Group

Enter our Contest and win FREE tickets: “My Funny Family Photo!”

______________________________________________________________

The Ross Haigler Group at Keller Williams Realty

The Ross-Haigler Group at Keller Williams Realty
Full Service Team of Licensed Real Estate Professionals servicing the region surrounding Charlotte, NC

Our Vision
The Ross-Haigler Group exists to achieve a higher standard in the Real Estate industry by: continually exceeding our client’s expectations, treating others with respect and honesty, and living our company values – God. Family. Business.