The United States Department of Agriculture is trying to encourage rural development by providing buyers with lower incomes a source of financing for the purchase of their home.

USDA home loans around Charlotte, NC do have a few restrictions such as area in which the home resides, income limitations, and credit scores. The home must be located in an eligible rural area that is determined by the USDA. Some portions of Charlotte and Mecklenburg County qualify for USDA home loans, and much of the areas in surrounding counties of North Carolina & South Carolina such as York, Lancaster, Union, Gaston, Lincoln, Catawba, Iredell, Rowan, and Cabarrus qualify for the USDA financing.

With financing becoming tougher to obtain on your new home, USDA may be the perfect choice for your next home. To find out more about homes around Charlotte, NC that qualify for USDA home loans or to find a lender that can offer you USDA financing, call or email me today. I would be happy to help you find the perfect home in a USDA eligible area.

1. An Advocate for You
In the state of North Carolina, a listing agent(the sellers real estate agent) works in the seller’s best interest at all times during the selling of the home.  This means if you call a phone number on a “For Sale” sign and ask the agent to view the home, you should be cautious what you tell the agent, as the agent will relay any important information back to their sellers.  A buyers agent can be your advocate during the process and will keep all information confidential. An example of this that I really like is referees in the Super Bowl.  If your team was playing in the Super Bowl, you would not like the idea of the opposing team’s coaches acting as the referees for the game, would you?  Keep in mind that the other team would love it if their coaches were the referees… Just like a listing agent loves it when they get to work with buyers that are not working with a buyer’s agent.  It lets them control the situation and have the upper hand at all times for their seller.

2. Education & Experience
In North Carolina, a real estate buyers agent has many hours of education in the local real estate laws.  They can navigate the real estate waters and explain each step of the process in terms you can understand as a buyer. Experienced buyers agents will have the knowledge to advise you when tough decisions arise during the home buying process.

3. Neighborhood Knowledge
Charlotte Real Estate agents are constantly taking a communities pulse and understand the real estate dynamics of individual neighborhoods.  The knowledge of specific areas will help you as a buyer to make the most informed decision when purchasing a home.

4. Expert Negotiator
Having an experienced negotiator working for you can mean the difference between saving thousands of dollars on your home purchase and possibly not getting the home at all.  A Real Estate buyers agent knows the ins and outs of negotiations and will work to get you the best terms and price on your home.

5. Price Guidance
Determining whether the listing price of your dream home is a good deal or not can be a confusing concept.  A buyers agent will research comparable homes in the area that sold recently and inform you of their expert opinion as to the value of the home.

6. REALTOR® Resources
A Charlotte buyers agent will use all available resources as an agent and a REALTOR® to help you search for and find that absolute perfect home.  A good buyers agent will have previewed many of the homes you’re interested in and will be able to provide you with details about the property that you can not find through a simple internet search.

7. Discuss your Financing Needs
A real estate agent can discuss your financial situation with you, and help guide you to the proper experts to help you accomplish your goal of buying a home.

8. Professional Networking
As real estate agent in the Charlotte area, it is a must to network with other industry professionals regularly.  A buyers agent can provide you with contacts for experts you will need when buying a home, like real estate attorneys, home inspectors, surveyors, and lenders.

9. Loads of Paperwork
Paperwork is a necessary evil when buying or selling a home.  A real estate agent will complete much of the paperwork for you, keep it all organized, and always keep your abreast of key dates you may need to remember in the contract and throughout the closing process.

10. You closed on your Charlotte Home, Now What?
After you’ve closed on your new Charlotte home, it is almost guaranteed you will have questions about something.  When you’ve worked with a buyers agent on the purchase of your home, they continue to be your real estate resource even after closing.  You can go to them anytime for expert real estate advice.

Ayrsley real estate offers great townhomes built by some of Charlotte’s finest home builders, Ryan Homes and Calloway Homes.  They offer two and three story plans to fit almost any budget. 

One of the big attractions of living in Ayrsley is the terrific selection of restaurants all located within walking distance of the townhomes.  Restaurants include a wide variety of tastes such as Wild Wing Cafe, The Red Lion, Portofino’s Italian Restaurant, Pan China, Bel Caffe Italian Coffee House, Saffron Indian Cuisine, Salsa’s Mexico’s Cuisine, Moe’s, Eat Here Now, and McHealthy Cafe.  Also, adjacent to Ayrsley along South Tryon Street  is a shopping center with several other restaurants and shops all within walking distance of the town houses. 

Ayrsley Grand Cinemas 14 is great entertainment for the residents of the Town.  It is a very large theater, and one of the best in the areas.  Beside the theater you will find the Hilton Garden Inn, a very nice hotel convenient for guests.

The Steele Creek YMCA is located in the heart of Ayrsley and provides residents with a place to work out by using the weights and cardio equipment, or by enrolling in one of their many classes like yoga, tai chi, aerobics, martial arts, studio spinning, and many other classes.

Commuting from Ayrsley to uptown Charlotte is a short drive, only about ten miles, and because it’s situated at the I-485 & South Tryon juncturer, it is convenient to many other restraunts and shopping.

Begin your Ayrsley real estate search by clicking the link to your right.  For more information about townhomes for sale in Ayrsley, or if you’re thinking about selling your townhome and would like assistance, feel free to give me a call anytime at 980-230-9618.

I went back to the office and started to research the property.  My findings determined that the home was a modular home.  My first thought was that this home could not possibly be a modular home; the details of the home were far too intricate to be a modular home.  After a bit more digging, I determined that the home was built 2 years ago by a local Carolina company that specializes in building custom modular homes. 

We are seeing more of these companies around Charlotte that build custom modular homes that look as good or better than our local home builders that build stick built homes on site.   In many instances these homes are better quality because they are built in a factory under strict guidelines using computer technology to ensure precise measurements.  Because of the building process, these homes often cost far less, sometimes as much as 30% cost savings.  The picture to the right is a perfect example of a home built by a national custom modular home builder called Custom Modular Direct.

If you’re thinking about building your own home, you may want to consider building a custom modular home.  With quick build times, huge cost savings, and a quality built home, a modular home may be the perfect solution.  If you have questions about the modular home building process or would like to begin to search for the perfect land to build your new custom home on, give me a call today!