FHA loan limits in 2013 are now $295,000 in Wake County to . They are scheduled to change in 2014, and the maximum loan limit for FHA Mortgage Raleigh NC will go down to $280,600 staring 1/1/2014.  The FHA Mortgage loan is not limited to First Time Home Buyers, and will allow for lower credit scores! Does that mean every loan officer in North Carolina can help you with a FHA loan? No. FHA loans are only offered through a Mortgage Banker or broker approved to do business through the FHA. Because of the audits, and additional costly quality controls required to have your FHA designation, many brokers have not gone through the process to be approved for FHA Mortgage Raleigh NC. Those mortgage companies that priimarily did sub-prime loans in the last 10 years - certainly have not done an F... 12/16/2013

Listen to my invitation     Cost:  Nada - Gratis Nothing being sold. Accept Invitation and we'll see you Tuesday @ Noon   12/06/2013

Condos For Sale in Brier Creek Raleigh NC 27617 Full details and all photos of all available Condos and Townhomes For Sale in Brier Creek. Our for sale property information is a direct feed from Triangle MLS and is updated several times daily. These Condos in Northeast Raleigh, NC 27617 have a super convenient location that is close to RTP, Wake Med Healthplex, RDU and every type of Shopping you can imagine in the heart of Brier Creek Commons. You are 20 minutes to both downtown Raleigh or downtown Durham where you will find live theater, live sporting events and seasonal festivals. You will feel right at home in any of the Condos For Sale in Brier Creek. Low or No Down Payment Options! Most of the Condos in Brier Creek are approved for FHA 3.5% down payment financing, Conventional 3% d... 12/05/2013

Listen to my invitation     Cost:  Nada - Gratis Nothing being sold. Accept Invitation and we'll see you Tuesday @ Noon   11/18/2013

Take a tour of 6209 OConner in N. Raleigh which features a 1st floor Master Suite w/walk-in shower and closet. Gourmet kitchen w/quartz countertops, SS Appliances, tile backsplash, island breakfast bar, & pantry. The tasteful great room features vaulted ceilings, gas fireplace, and designer ceiling fan. Sunny sunroom. Paver stone patio. Fenced yard.  11/13/2013

I'm Loving the New "I Voted" Stickers They Give You Here In the Raleigh, Cary, Apex Area! Find out where you too can get one of these new "I Voted" stickers. at your local Raleigh, Cary, Apex area polling place by clicking here. I'm Loving the New "I Voted" Stickers They Give You Here In the Raleigh, Cary, Apex Area! About The Author Craig Rutman is a North Carolina Residential Real Estate Specialist that can assist you with the purchase and/or sale of real estate in the Raleigh - Cary – Apex metro areas; or any place else in the country by connecting you with a relocation professional in your destination of choice.   To find all available homes for sale in the Triangle area of North Carolina, please visit www.justnchomes.com Call me TODAY at 919-349-9530 11/05/2013

Listen to my invitation   Cost:  Nada - Gratis Nothing being sold. Accept Invitation and we'll see you Tuesday @ Noon     10/13/2013

Charming ranch in great location! OverviewMapsPhotosFeaturesDescriptionNeighborhood $189,900 Single Family Home Main Features 3 Bedrooms2 BathroomsInterior: 1,697 sqftLot: 0.26 acre(s) Location 5304 Applegate CourtRaleigh, NC 27609USA Don Anthony Don Anthony Realty(919) 972-8448clientsupport@DonAnthonyRealty.comhttp://www.DonAnthonyRealty.com        Listed by: Don Anthony Realty Our recent listings Charming ranch in great location!Stunning home in amazing location!5 bedroom house in Cary Park!Great layout! Move-in ready!Two story home features great curb appeal from it's professional landscaping to impressive stone facade! Subscribe to our listing feed Nearby properties for sale 10/08/2013

What is there to Love about Raleigh, North Carolina!!   We Moved to the Raleigh Cary NC area over 16 years ago. We chose to move to this area after a brief visit to the Asheville NC area. When we returned home, we did a little research about North Carolina. Our research provided so many reasons to move to the North Carolina area. At the time, had a toddler and one child on the way. My husband was offered a position with a company in downtown Raleigh. The job was good but, the area was even better! So, why did we move here? Raleigh NC offers mild climate, affordable housing, great job security in many different career choices, great schools, top universities, beautiful scenery and wonderful people. Maybe it is just a southern thing (yes, I know we're talking about "North" Carolina) but, ... 10/07/2013

The Surprise is How86% of Homebuyers Use Video   Listen to my invitation   Cost:  Nada - Gratis Nothing being sold. Accept Invitation and we'll see you Tuesday @ Noon   09/30/2013

Slash Time Spent on eMail Now Listen to my invitation   Cost:  Nada - Gratis Nothing being sold. Accept Invitation and we'll see you Tuesday @ Noon   09/26/2013

Housing wire magazine reports : "lock and shop" programs are back!   Lock and shop programs--are designed for buyers who want to lock in an interest rate while shopping for their home..without the fear of it rising before they can make the final purchase.   The Buyer is credit approved at the rate--and then can continue to shop--if rates go up...they buyer is still approved and locked in at the lower rate.  (And if the rates decline, the home-buyer will have an option to float down to lower rates)     Lenders are reviving this market competitive tool to beat out their competitors and get more business (alleviates buyers scared to enter the market due to rising interest rates)       Looking for an agent that cares? Contact me at agentlisamichael@gmail.com  (your Raleigh, NC and Wake Fore... 09/21/2013

How can a home seller know if a Buyer Loves their Home?   They Love You... They Love You Not!!   Selling Your Home can be a very Daunting Process. There are so many steps you need to take to make it to the "SOLD" Status.  One of the first things you need to do is Get your House Ready to Sell or in other Words, *Make Home Buyers Fall in Love with your Home and Buy it*. That's correct, you need to Get your House Ready so When Your Realtor Pushes the Enter Button for All the World to See, There are Home Buyers who will Fall in Love with Your House. How Do you Make a Home Buyer Fall in Love with Your House? How Do you Get a Home Buyer to Choose Your House to Buy? **Here are 10 Steps to Making a Home Buyer Fall in Love with your Home and Choose Your Home to Buy: Neutralize: Remember - You're... 09/10/2013

Who does Raleigh real estate market favor in June 2013 –buyer or seller?  Media sound bites are normally national in scope.   Here’s Raleigh, NC trends. What are media comments based on?  In my experience, it's usually a comparison between the current month and the prior month or the current month compared with the same month a year ago.  More comprehensive data is needed by those who will actively participate in the real estate market.  In response to that need, I present you the following market analysis. Market divided into four segments: Red Line: Represents Top Market Segment - Most Expensive HomesGreen Line: Represents Upper Middle Segment of MarketOrange Line: Represents Lower Middle Segment of MarketBlue Line: Represents Least Expensive Homes Because all real estate markets are ... 09/05/2013

  Building a Business 6 Core Skills Listen to my invitation   Cost:  Nada - Gratis Nothing being sold. Accept Invitation and we'll see you Tuesday @ Noon   08/30/2013

Breaking News! Yet Another Home Sold by Craig Rutman, Your Raleigh, Cary, Apex area Real Estate agent! This beautiful home in Raleigh, NC is now sold. But don't worry folks. Even though this one is no longer available, YOUR new Raleigh, Cary, Apex area home is out there. If you're looking to buy or sell a Raleigh, Cary, Apex area home, you're just a click or a phone call away. 919-349-9530 is the number! Prefer to click? www.justNChomes.com is your one stop resource for all your Real Estate needs in the Triangle area. I'm here and I'm ready to help you get your home sold, or to help you begin the search for your new Raleigh, Cary, Apex area home.   About The Author Craig Rutman is a North Carolina Residential Real Estate Specialist that can assist you with the purchase and/or sale of re... 08/29/2013

The Federal Housing Administration (FHA) 203k loan allows buyers to wrap repairs/upgrades into their mortgage.  Make sure you avoid this FHA 203k deal killer. Actually, the 203k streamline program includes a refinance option.  This program poses an increased risk for lenders and FHA.  Special appraisal process used to control this risk. Previous blog provides more details.  I will focus today on how FHA calculates the maximum amount and how to avoid this FHA 203k deal killer. In addition to maximum loan amounts set by FHA (varies by county and its $295,000 in Wake County NC) these criteria apply: = Rehab cost limit: $35,000 = Loan amount cannot exceed purchase price + rehab costs = Above limited to 110% of “after improved” value This last requirement (110% of after improved value) is in... 08/29/2013

INSIDE THE BELTLINE RALEIGH   Inside the Beltline Homes inside the Beltline are those skirting the inside of the I-440 and I-40 forming an imaginary "belt line" around the City of Raleigh. It is made up of diverse neighborhoods, with real estate prices varying from luxury homes in the millions to condo's and town homes at a more affordable price.   There are numerous parks, greenways and country clubs with hiking and walking trails within the Raleigh Beltline, which is a huge attraction for the locals, who value the convenience of Raleigh and the business districts and yet have the feeling of open space on their doorstep.   There are wonderful restaurants and shopping inside the beltline. Business is also relocating into the beltline area - creating a great appeal for folks to move back... 08/27/2013

People are attracted to VA and FHA loans since they’re designed to make it easier to purchase a home.  The surprise comes when home is appraised.  Why?  How? I’ll deal with why this is true first.  VA and FHA assume the borrower is a first-time buyer and requires an additional layer of protection.  So loan qualifications guidelines and down payment requirements make borrowing easier, but the house faces stiffer level of scrutiny. How do VA and FHA appraisals differ from normal appraisals?  The list is long, but here are some examples: = Electrical and plumbing in good repair with usable life remaining and meet current standards. = Heating adequate and safe. = Roof sound with usable life remaining. = Water:  Safe drinking, safe sewage disposal and hot water. = Structurally sound. = Suita... 08/26/2013

Buying your first home?  IRS tax credit helps first time home buyers and you may be eligible to save up to $2,000 a year every year.  Here’s how it works. I’ve recently been approved by the North Carolina Housing Finance Agency (NCHFA) to provide home buyers with access to tax credit.  Only approved loan officers can assist buyers obtain a Mortgage Credit Certificate (needed to claim tax credit). Purpose of this program is to make buying a home more affordable by putting more money in your pocket.  Where does this ‘money’ come from?  The IRS tax credit helps first time home buyers by providing eligible buyers with up to $2,000 cash money.   Before going any further, let me clarify the difference between a tax ‘credit’ and a ‘deduction.’  = Tax deduction of $2,000 puts $300 in your pocke... 08/19/2013