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Worried about losing your home? I will help you explore options. Call me: (704)737-7653.
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Find Out About the Latest Homes for Sale First!
I add my newest homes and other real estate listings to this web site first. It can be some time before they appear in the MLS.
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"Facing relocation, we're glad we hired Neal"
"Neal's suggestions got our house sold in 16 days..."
Jim and Tracy Fowler
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 Compare three mortgages at one time.
Download TripleCalc now. It's free. |
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**As a Certified Distress Property Expert, I am trained in the procedures and strategies it takes to negotiate a successful short sale transaction. If someone you know is behind in their payments or is about to be and needs advice on solutions to this problem, give me a call or email. I'll gladly discuss their options and get them started toward a way out of this scary situation. My direct line is 704-737-7653 and email: neal.pender@remax.net** We handle real estate in greater Cabarrus County (Concord, Harrisburg, Kannapolis), Lake Norman (Huntersville, Cornelius, Mooresville, Davidson) and greater Charlotte, North Carolina. Since 1996, I've helped first time buyers and sellers, upsizers, downsizers, out of town relocating buyers and sellers, investors and "distressed sellers" (those in danger of foreclosure).
The way we do business is different from most agents. We take a "counselor" approach where we give honest advice about all your options (whether buying or selling) and keep you informed along the way. You won't get a pushy sales pitch from us. Just educated, seasoned advice and negotiating skills working on your behalf. I look forward to helping you and your family. 
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Looking for homes? Search everything the web has to offer, right here! Don't miss my Feature Homes. Need local real estate information? I've summarized much of what is important about the Concord, Lake Norman and University City real estate market in this site. Need expert advice? No web site, large or small, can take the place of a top real estate agent. Not even mine! This site is filled with ways that you can contact me for one-on-one expert help and advice. That's my job. Contact me with confidence! I guarantee your privacy will be respected. And I offer the services on this site for free and without obligation. Why? I want to be YOUR real estate agent. As your trusted, professional real estate partner, I will help you find the best home in your area within your price range. And together we will sell your home, for as much as the market will bear, and as quickly as possible. Buying and selling a home is one of the biggest events in your life. As a top Concord, Lake Norman and University City real estate agent, I have the experience and track record you are looking for. Please let me help. - Neal Pender |
Closing or Settlement >Estimated Closing Costs
There is a federal law that requires mortgage lenders to give prospective buyers an itemized, "good-faith" estimate of their closing costs. Sometimes buyers arrive at the closing with this document in hand and proceed to question each item on the final closing statement that does not match the estimate exactly.
These "good-faith" estimates are just that--estimates. The lender's charges will be fairly accurate, but the charges for attorneys, termite inspections, title insurance, and other items that appear on the closing sheet may vary from the estimate. Some pro-rated items, such as taxes or homeowner's association fees, will also be different if you don't close on the date that was used to calculate the estimate. The purpose of the disclosure law is to give you a ball park figure of your closing costs. But the estimate you are given won't be to the penny--probably not even to the dollar!
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What area was designed to look like a 1940s southeastern town with traditional architecture?
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Disney's "Celebration" in Orlando, FL, will eventually have 8,000 houses and many commercial tourist attractions. |
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Gary's Home Services--Your Own Personal Handyman
Gary's Home Services is a locally owned repair service specializing in issues including wood repair, roofing, and carpentry. Phone: 704-773-1630
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- NUMBER1EXPERT™ 
