BEST Custom Home Builders Charlotte NC 2024 | New Construction Homes in Charlotte NC

BEST Custom Home Builders Charlotte NC 2024 | New Construction Homes in Charlotte NC

Dreaming of a luxury home that goes beyond just being a place to live, but rather, a masterpiece reflecting your unique style? A home that resonates with your personality in every brick, beam, and detail? You’re not alone.

Many of our clients yearn for a dream home tailored to their every need. The key question they ask is, “Who can make this dream a tangible reality?” The answer lies in finding a builder who doesn’t just construct houses, but crafts them with the finest details, where excellence is not just a feature, but a standard.

 

The Best Custom Home Builders in the Charlotte NC Area:

Today, we’re delving into something truly exciting – the top six custom home builders in the Charlotte area. These aren’t just any builders; they are artisans who understand that your home is more than a dwelling. It’s your sanctuary, a place where every detail contributes to your personal narrative.

To identify these top builders, we’re drawing on insights from Home Builder Digest, which meticulously reviewed 14 of the finest in Charlotte. We’re focusing on the crème de la crème – the top six. 

Homes For Sale in Charlotte, NC:

How Builders Digest Ranks Builders:   

Compiling this list of Charlotte’s finest custom home builders wasn’t a quick or easy task. Home Builder Digest dedicated over 40 hours to meticulously evaluate each builder. Their comprehensive approach included analyzing various data sources, scrutinizing work histories, customer reviews, and the awards and recognitions each builder has received.

They also considered the geographic scope of each builder’s work, the costs they charge, the building permits obtained, and the types of clientele they serve. This rigorous process was essential to sift through the data and identify the truly top custom home builders in the Charlotte area.

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#6 Shea Homes:

Diving into our list at number six, we find Shea Homes, a name synonymous with longevity and excellence in the U.S. custom home building scene. Renowned for their outstanding customer service, durable quality, and innovative designs, Shea Homes has a rich history of creating remarkable homes and communities throughout the Carolinas.

Their notable achievements have garnered numerous awards. A current highlight from Shea Homes is Trilogy Lake Norman– a 55+ resort-style haven located in Denver, North Carolina, near the scenic Lake Norman.

However, their footprint extends beyond this, with their exemplary craftsmanship visible in various locations across the Charlotte area, including The  Palisades in Steel Creek, Providence Plantation in South Charlotte, and McKendry in Fort Mill, South Carolina.

Shea Homes

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#5 Simonini Homes:

At number five, we spotlight Simonini Homes, a distinguished custom home builder with an impressive five-decade legacy in the Charlotte area. Their expertise lies in creating homes that are not just aesthetically captivating but also enduring in their construction.

Simoneni Homes prides itself on timeless design and exceptional craftsmanship, evident in their European colonial, craftsman, and English manor-style homes. Committed to outstanding customer service, they strive to create homes that not only embody individual elegance but also enhance the beauty of the entire neighborhood.

Unique in their achievements, Simoneni Homes is the only builder in the region to have won the prestigious “Triple Crown” of builder awards: National Builder of the Year, America’s Best Builder, and the National Housing Gold Quality Award. Their handiwork graces some of the most prominent neighborhoods in Charlotte, including Myers Park, Eastover, The Peninsula, and Hayden Hall.

Excitingly, Simoneni Homes is now introducing a luxury townhome community in Cotswold. Starting at $1.54 million, these townhomes will offer around 3,000 sq ft of luxurious living space, blending sophistication with the latest in home design.

 

Simonini Homes

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#4 Niblock Homes

At number four on our list is Niblock Homes, a name that resonates with distinction in the Charlotte area’s homebuilding scene. Since 1979, their unique approach to home construction has earned them accolades like the prestigious Diamond Builder Award and Foundation Builder Award.

Each Niblock home embodies their four core ideals: integrity, value, fairness, and quality, ensuring that every structure is more than just a house – it’s a testament to superior design and craftsmanship.

Niblock Homes has an array of homes currently available in various communities across Charlotte. For instance, in Olde Homestead (located in Concord) and In Ardley (located in Mint Hill). You can also find homes in Addison Park (located in Harrisburg). Each of these homes reflects the builder’s commitment to excellence and their reputation as one of the most prominent builders in the area.

 

Niblock Homes

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#3 Augusta Homes:

Number three on our list is Augusta Homes, a standout builder in the Charlotte area, known for their bespoke custom homes. From provincial European to trendy courtyard designs, their range is as diverse as it is exquisite. Augusta Homes is celebrated for their unsurpassed quality, unwavering commitment to excellence, and fine craftsmanship. This has earned them a place as one of the most coveted home builders in the southeast.

Their prestigious work has graced the covers of popular local and national magazines, such as Luxury Home Magazine and Lake Norman Currents, showcasing their mastery in homebuilding. Augusta Homes has made its mark in some of Charlotte’s most esteemed neighborhoods, including Seven Eagles, Myers Park, and Foxcroft. Moreover, many of their magnificent homes can be found adorning the shores of Lake Norman, particularly in the Cornelius and Davidson areas, offering breathtaking views and luxurious living.

Click here for more information on Augusta Homes.

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#2 Artistic Contractors:

Ranked at number two, Artistic Contractors distinguish themselves as a creative force in custom home building. Known for utilizing state-of-the-art technology and design standards, they create breathtaking luxury homes that range from modern and contemporary to the classic farmhouse style.

These multimillion-dollar luxury marvels, found throughout North Carolina and especially in the Charlotte area, stand as testaments to their craftsmanship. Notably, one of their most impressive projects is beautifully situated on Lake Norman in Denver, North Carolina.Their homes aren’t just structures; they’re works of art that distinctly stand out.

Artistic Contractors excel in transforming luxury home dreams into tangible realities, ensuring that each project intimately reflects the personal preferences and styles of their clients. For those seeking a unique home, Artistic Contractors is a must-consider. Their professionalism, honesty, and exceptional customer service consistently earn high praise from their clients.

Currently, Artistic Contractors have two spectacular homes available for purchase in West Charlotte, both nestled on the shores of Lake Wylie. One is listed at $3.3 million, and the other at $3.6 million, offering luxurious living in serene, picturesque settings.

Artistic Contractors

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#1 Kingswood Custom Homes:

Topping the list at number one is Kingswood Custom Homes, a premier builder renowned in both North Carolina and South Carolina. Synonymous with luxury and exclusivity, Kingswood Custom Homes stands out for crafting bespoke residences that push the boundaries of elegance and sophistication in custom home building.Since 1996, they have been constructing estate homes with a flair for unique and elegant styles, including 19th century colonial, southern revival, and English manor.

While these homes come with multimillion-dollar price tags, they are true masterpieces in every sense. Kingswood’s exceptional work is prominently featured in some of the most prestigious neighborhoods in the Charlotte area, such as Myers Park, Eastover, Carmel Park, The Point, and The Peninsula. Their exquisite homes have graced the pages of many publications, including SouthPark Magazine and the Charlotte Business Journal.

When you explore the luxury estates built by Kingswood Custom Homes, it’s immediately clear why they have earned the top spot on Home Builders Digest’s list. Their commitment to unparalleled craftsmanship and design excellence truly sets them apart as the pinnacle of custom home builders.

Kingswood Custom Homes

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Choosing the Best Luxury Home Builder in Charlotte NC: 

Each of these top six builders in the Charlotte area brings a unique style and process to the table, united by a shared commitment to providing exemplary customer service and focusing intently on their clients’ vision of a luxury dream home. Their distinctive approaches set them apart in the realm of custom home building.

  • Shea Homes stands out with their dedication to sustainability and fostering community spirit.
  • Simonini Homes is synonymous with timeless elegance, crafting homes that are both classic and enduring.
  • Niblock Homes distinguishes itself with a focus on innovative designs, pushing the boundaries of modern home architecture.
  • Augusta Homes excels in bespoke luxury, offering tailor-made solutions for the most discerning clients.
  • Artistic Contractors brings cutting-edge creativity to their projects, blending art and architecture seamlessly.
  • Kingswood Custom Homes is known for their meticulous attention to detail, ensuring every aspect of the home is perfected.

Building your dream home is more than a project; it’s a journey that requires a builder who shares your vision and passion. Whether you’re just starting to conceptualize your dream or you’re ready to embark on the first steps of building, let this guide be your compass, helping you navigate towards the realization of your dream home.

FAQ: Building a Luxury Home: 

 

What should I consider when choosing a custom home builder?

Answer: When selecting a custom home builder, consider their experience, reputation, and portfolio of past projects. Evaluate their communication style, transparency in pricing, and willingness to accommodate your specific needs. It’s also essential to check their licenses, insurance, and references from previous clients.

How do I ensure the quality of my custom home?

Answer: Ensure quality by choosing a builder with a strong track record of excellence. Request to visit their previous projects, inspect the materials and craftsmanship, and inquire about their quality control processes. Also, consider hiring an independent inspector during and after construction.

Can I customize every aspect of my home?

Answer: While custom homes offer a high degree of personalization, there may be limitations based on your budget, zoning laws, and the builder’s capabilities. Discuss your vision in detail with your builder to understand what is feasible.

How long does it take to build a custom home?

Answer: The timeline varies depending on the complexity of the design, size of the home, permitting process, and the builder’s schedule. Typically, it can take anywhere from several months to over a year. Your builder should provide a realistic timeline upfront.

How do I manage my budget during the building process?

Answer: To manage your budget, start with a clear financial plan and keep a contingency fund for unexpected expenses. Communicate your budget constraints to your builder and regularly review the expenses. Be prepared to make compromises if necessary to stay within budget.

What are the common challenges in building a custom home?

Answer: Common challenges include delays due to weather, permitting issues, changes in design during construction, and unforeseen construction challenges. Effective communication with your builder and flexibility are key to navigating these challenges.

How do I communicate my vision effectively to the builder?

Answer: Communicate your vision by providing detailed descriptions, inspirational images, and specific requirements. Regular meetings and clear, documented communication will help ensure your vision is accurately understood and executed.

What should be included in the contract with a home builder?

Answer: The contract should include detailed specifications of the project, materials to be used, a clear payment schedule, timelines, warranty information, and provisions for handling changes or disputes.

How do I handle changes in design or materials during construction?

Answer: Address changes by discussing them as soon as possible with your builder. Understand that changes can affect the budget and timeline. Ensure all changes are documented and reflected in an updated contract or change order.

What kind of warranty should I expect from a custom home builder?

Answer: Expect a warranty that covers major structural elements, typically for a period of up to 10 years. Also, look for warranties on materials and workmanship, usually for shorter periods. Clarify what is covered and the process for addressing issues under warranty.

Would you like to explore some other fantastic neighborhoods in the Charlotte area? Check out our Neighborhood Guide:

Let’s Connect Today!

Phone:

704-631-3977

Email:

info@thefinigangroup.com

Visit Us:

3440 Toringdon Way, ste 205

Charlotte NC 28277

Home Ownership Education, Home Sellers and Buyers, Moving to Charlotte NC, Selling My House, Uncategorized

How do rich people become wealthy?  How do successful individuals become generationally wealth?

How do rich people become wealthy?  How do successful individuals become generationally wealth? Well, I was recently asked by a wise sage, "do you know how rich people become wealthy?"  Join Adam Kelly & I as we reveal how the wealthy build generational wealth!...

Featured Suburbs

Featured Neighborhoods

Best Suburbs in Charlotte, North Carolina [ 2024]

Best Suburbs in Charlotte, North Carolina [ 2024]

What’s the best city to live in Near Charlotte, NC? Thats exactly what we will discuss below!

Each city on the list offers unique charms, from quaint small town atmospheres to bustling suburban communities, all within proximity of the metropolitan buzz of Charlotte. Whether you’re seeking excellent school systems, lively entertainment districts, or simply peaceful neighborhoods, these cities cater to varied lifestyles.  

In order to review the top 10 suburbs in the Charlotte area we reviewed the information compiled by Niche.com.  Every year they put together a list ranking the top suburbs in the Charlotte area. Niche.com ranks these suburbs by using dozens of public data sets and millions of reviews. They take this data and give each community an overall grade.

They also grade different aspects of the community like schools, median price range, activities, lifestyle, and safety. They take this information and rank the top suburbs in the area. Here’s Niche.com’s top 10 suburb list:

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Homes For Sale in Charlotte, NC:

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1. Davidson, North Carolina

Discover the allure of living in Davidson, North Carolina, where small town charm meets modern convenience. Nestled near scenic Lake Norman, Davidson offers a vibrant community and a plethora of amenities. With its picturesque streets and historic architecture, this town exudes a welcoming atmosphere that appeals to families, professionals, and retirees alike. Home to prestigious Davidson College, residents enjoy a thriving cultural scene and intellectual stimulation.

Outdoor enthusiasts relish in the abundant recreational opportunities, from boating on the lake to exploring nearby nature parks. Main Street showcases an eclectic mix of local shops, boutiques, and delectable dining options, creating a unique shopping and culinary experience. Davidson’s proximity to Charlotte grants easy access to urban amenities while retaining its distinct identity. Embrace the perfect blend of a laid back lifestyle and progress in Davidson, North Carolina, a true embodiment of community spirit and the good life.

Would you like more information on Davidson, North Carolina? 

2. Tega Cay, South Carolina 

Welcome to Tega Cay, South Carolina, where exceptional living meets natural beauty. Nestled on the shores of Lake Wylie, Tega Cay offers a captivating lifestyle with a touch of luxury. Immerse yourself in a community renowned for its waterfront living, scenic golf courses, and abundant green spaces. Tega Cay boasts top rated schools, making it an ideal destination for families seeking an exceptional education.

Enjoy a plethora of outdoor activities, from boating and fishing on the lake to exploring the extensive trail system. Indulge in a vibrant social scene, with community events and festivals that bring neighbors together. With its close proximity to Charlotte, Tega Cay provides easy access to urban amenities while preserving its small town charm. Discover the perfect balance of serenity and convenience in Tega Cay, South Carolina, a hidden gem for those seeking a captivating place to call home. Experience the enchantment of Tega Cay today and unlock a life of endless possibilities. 

Would you like more information on Tega Cay, South Carolina

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3. Weddington, North Carolina

 

Experience the epitome of Southern charm in Weddington, North Carolina. Nestled just outside of Charlotte, this idyllic town offers a tranquil escape with a touch of sophistication. Immerse yourself in the beauty of Weddington’s lush landscapes, where rolling hills and majestic trees create a picturesque backdrop. Discover top rated schools, making Weddington an ideal destination for families seeking an exceptional education.

Indulge in a wealth of outdoor activities, from exploring local parks and trails to tee off at prestigious golf courses. Immerse yourself in a thriving community, where neighbors become lifelong friends and annual events foster a strong sense of belonging. With its convenient location near Charlotte, Weddington provides easy access to urban amenities while maintaining its serene ambiance. Uncover a world of endless possibilities in Weddington, North Carolina, a hidden gem for those seeking a harmonious blend of luxury and tranquility. Begin your journey to a fulfilling life in Weddington today.

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4. Fort Mill, South Carolina 

Discover the vibrant lifestyle of Fort Mill, South Carolina. Located just minutes from Charlotte, this thriving town offers the perfect blend of small town charm and modern amenities. Immerse yourself in a community known for its friendly atmosphere and strong sense of belonging. Fort Mill boasts top rated schools, making it an ideal destination for families. Enjoy a plethora of outdoor activities, from exploring scenic parks and nature trails to boating on nearby lakes.

Indulge in a rich cultural scene with art galleries, theaters, and annual festivals. Fort Mill’s historic downtown showcases a variety of local shops, boutiques, and dining options, offering a unique shopping and culinary experience. With its close proximity to Charlotte, residents can easily access urban amenities while enjoying the tranquility of suburban living. Whether you seek a thriving social scene or a peaceful retreat, Fort Mill has it all. Start your new chapter in Fort Mill, South Carolina, a place where community and opportunity thrive.

 

Would you like more information on Fort Mill, South Carolina

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5. Marvin, North Carolina  

Experience the pinnacle of upscale living in Marvin, North Carolina. Nestled in the heart of Union County, this affluent town offers a serene and sophisticated lifestyle. Discover spacious estates, picturesque landscapes, and a tight knit community. Marvin’s top rated schools make it an ideal choice for families seeking exceptional education. Immerse yourself in the beauty of nature with nearby parks and green spaces. Indulge in a thriving equestrian culture, with prestigious riding facilities and trails.

Marvin’s proximity to Charlotte allows for easy access to urban amenities while enjoying the tranquility of suburban living. Unwind in luxurious country clubs, savor fine dining experiences, and embrace a refined social scene. Immerse yourself in the charm of Marvin, a hidden gem for those seeking an elegant and exclusive community. Live a life of prestige and sophistication in Marvin, North Carolina. Begin your journey to the epitome of refined living today.

 

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6. Harrisburg, North Carolina 

Discover the hidden gem of Harrisburg, North Carolina, a vibrant community that blends small town charm with modern conveniences. Located just outside Charlotte, Harrisburg offers a peaceful and family friendly environment. Enjoy top rated schools, making it an ideal destination for education focused families. Immerse yourself in the great outdoors with nearby parks, hiking trails, and picturesque landscapes.

Experience a thriving local economy, with a range of shops, restaurants, and entertainment options. Harrisburg’s convenient location provides easy access to Charlotte’s urban amenities while offering a quieter and more relaxed pace of life. Whether you seek a close knit community or a suburban retreat, Harrisburg has it all. Embrace the essence of Southern living in Harrisburg, North Carolina, a place where neighbors become friends and memories are made. Start your new chapter in Harrisburg today and unlock a fulfilling and enriching lifestyle.

 

7. Cornelius, North Carolina

Discover the allure of living in Cornelius, North Carolina, a waterfront paradise on the shores of Lake Norman. With its breathtaking views and vibrant community, Cornelius offers an exceptional quality of life. Immerse yourself in a boater’s haven, where water sports and leisure activities abound. Explore scenic parks, hike nature trails, and enjoy a wealth of outdoor recreational opportunities.

Cornelius boasts top rated schools, making it an ideal choice for families. Indulge in a thriving culinary scene, with diverse dining options that cater to every palate. Experience a dynamic arts and culture scene, with galleries, theaters, and live performances. Cornelius’s proximity to Charlotte provides easy access to urban amenities while maintaining a relaxed and laid back atmosphere. Whether you seek lakeside living or a tight knit community, Cornelius has it all. Dive into the beauty of Cornelius, North Carolina, a place where adventure meets tranquility. Begin your journey to a truly extraordinary lifestyle in Cornelius today.

 

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8. Matthews, North Carolina

Experience the vibrant charm of Matthews, North Carolina, an enchanting town just minutes from Charlotte. Nestled in Mecklenburg County, Matthews offers a perfect blend of suburban tranquility and urban conveniences. Immerse yourself in a thriving community known for its friendly atmosphere and strong sense of belonging. Discover top rated schools, making Matthews an ideal choice for families seeking quality education.

Indulge in a variety of outdoor activities, from exploring green spaces and parks to biking on scenic trails. Matthews boasts a bustling downtown area with local shops, boutiques, and a diverse culinary scene. With its proximity to Charlotte, residents can easily access cultural attractions, entertainment venues, and employment opportunities. Embrace the laid back Southern lifestyle while enjoying the convenience of city amenities. Whether you seek a close knit community or a suburban retreat, Matthews has it all. Start your new chapter in Matthews, North Carolina, a place where community and opportunity thrive.

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9. Waxhaw, North Carolina

Discover the enchanting beauty of Waxhaw, North Carolina, a charming town that captures the essence of Southern living. Nestled in Union County, Waxhaw offers a perfect blend of small town charm and modern comforts. Immerse yourself in a close knit community known for its warm hospitality and rich heritage. Enjoy top rated schools, making Waxhaw an ideal destination for families seeking an exceptional education.

Indulge in a variety of outdoor activities, from exploring scenic parks and nature trails to shopping at local farmers’ markets. Waxhaw’s historic downtown beckons with unique boutiques, art galleries, and delicious dining options. Experience a vibrant arts scene, with local theaters and annual festivals that showcase local talent. With its proximity to Charlotte, Waxhaw provides easy access to urban amenities while preserving its peaceful ambiance. Discover the allure of small town living in Waxhaw, North Carolina, a place where community and tradition thrive. Begin your journey to a fulfilling and picturesque lifestyle in Waxhaw today.

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10. Stallings, North Carolina

Experience the tranquil allure of Stallings, North Carolina, a hidden gem in Union County. Nestled just outside Charlotte, Stallings offers a perfect blend of suburban charm and modern convenience. Immerse yourself in a welcoming community known for its family friendly atmosphere and strong sense of belonging. Enjoy top rated schools, making Stallings an ideal choice for families seeking quality education. Indulge in outdoor activities with numerous parks, walking trails, and recreational facilities.

Stallings boasts a thriving local economy, with a variety of shops, restaurants, and entertainment options. Its close proximity to Charlotte allows for easy access to urban amenities while enjoying the peace and serenity of suburban living. Whether you seek a tight knit community or a peaceful retreat, Stallings has it all. Discover the beauty of Stallings, North Carolina, a place where community and convenience intersect. Begin your journey to a fulfilling and enriching lifestyle in Stallings today.

 

What are your thoughts of the top 10 best suburbs in the Charlotte area, based on Niche.com’s rankings? From the vibrant community of Matthews to the waterfront paradise of Cornelius, each suburb offers its own unique charm and amenities.

If you’re interested in learning more about any of these suburbs or if you’re looking to buy or sell a property in the Charlotte area, our expert team is here to assist you every step of the way. We have in depth knowledge of these suburbs, from the local market trends to the best neighborhoods and school districts. Contact us today to schedule a consultation or to receive more information. Our dedicated team is ready to provide you with personalized assistance and help you make informed decisions.

Whether you’re a first time homebuyer, a growing family, or looking to downsize, we understand that finding the perfect suburb is a significant decision. Let us guide you towards the suburb that aligns with your lifestyle and preferences. Get in touch with us now and let’s start your real estate journey together!

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Call: (704)-631-3977

Email: info@thefinigangroup.com

 

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Let’s schedule a meeting! During this initial consultation, we’ll learn more about your situation and what you’re seeking in a home.  We’ll provide advice and address any concerns you may have in order to determine the best approach to achieving your goals.  by the end of our conversation, we’ll have a solid plan of action and next steps for moving forward. 

Let’s Connect Today!

Phone:

704-631-3977

Email:

info@thefinigangroup.com

Visit Us:

3440 Toringdon Way, ste 205

Charlotte NC 28277

Home Ownership Education, Home Sellers and Buyers, Moving to Charlotte NC, Selling My House, Uncategorized

How do rich people become wealthy?  How do successful individuals become generationally wealth?

How do rich people become wealthy?  How do successful individuals become generationally wealth? Well, I was recently asked by a wise sage, "do you know how rich people become wealthy?"  Join Adam Kelly & I as we reveal how the wealthy build generational wealth!...

Featured Suburbs

Featured Neighborhoods

How do rich people become wealthy?  How do successful individuals become generationally wealth?

How do rich people become wealthy?  How do successful individuals become generationally wealth?

How do rich people become wealthy?  How do successful individuals become generationally wealth? Well, I was recently asked by a wise sage, “do you know how rich people become wealthy?”  Join Adam Kelly & I as we reveal how the wealthy build generational wealth!

Today we will  walk you through the different ways that you’re able to utilize your equity to better your financial position, invest, and pay off debt. They will also discuss the different tools and methods of extracting wealth from your home’s equity. Here’s a few things that we will cover: 

In This Article We’ll Cover:

1. Ways to Use Your Home’s Equity to Build Wealth

2. Ways to Access Your Home’s Equity

3. How to Save Thousands on Your Mortgage

4. Private Mortgage Insurance

5. What’s Your Homes’ TRUE Value?

Homes For Sale in Charlotte, NC:

1. Ways to Use Your Home’s Equity to Build Wealth

 

Home equity is often the largest asset for many American families, yet many are unaware of the incredible opportunities to leverage this asset to build wealth. However, with the right approach, your home equity can work for you and your family to unlock the potential of your property’s value.

One of the most effective ways to increase your overall wealth while still enjoying the benefits of homeownership is by building your home equity. With refinancing, you can access the equity in your home and utilize it to pursue a variety of investment strategies to increase your total wealth. Whether you want to invest in your business, pay off debts, or make home improvements, home equity refinancing can be an excellent option for you.

By unlocking the value of your home equity, you can invest in strategies that align with your financial goals, which could potentially help you build significant wealth over time. With careful planning and expert guidance, you can make the most of your home equity to create a stronger financial future for you and your family. Here’s a few of the ways you can use your equity to better your financial position:

1. Paying off credit card bills: The average credit card APR is now about 16%, so using a home equity loan to pay off high-interest credit card bills can be smart.

After all, some banks offer home equity loans with rates around 6%. If you transfer high-interest credit card bills to a home equity loan with a rate that’s less than a third of what you’re paying on your credit cards, you could save money and pay down debt faster.

2. Consolidate other debt: While credit card debt is one option for debt consolidation, don’t forget you can use home equity to consolidate other types of debts. The key is choosing debts that have a higher interest rate than you could get with a home equity loan.

If you have a high-interest personal loan, auto loan, or private student loan and have a lot of equity in your home, for example, using your home equity could be smart. Consolidate all your debts with a home equity loan with low or no fees and a lower APR, and you could save big over the long haul.

3. Home improvements: Did you know that you can use your home equity to increase the value of your property and build your wealth? Many homeowners are leveraging this opportunity by using home equity loans to make important home improvements or upgrades.

According to Remodeling Magazine, the top three improvements that yield the highest return on investment are garage door replacement (93.8% cost recouped), manufactured stone veneer (92.1%), and a minor kitchen remodel (72.2%). By investing in these upgrades, you can boost the value of your property and enjoy a higher return on your investment.

But it’s not just about the numbers – any remodeling project can pay off if you personally find value in it. If you’ve always wanted a new kitchen and need to borrow to make it happen, a home equity loan is a smart and affordable option. And if you qualify according to IRS rules, you can even deduct the interest on home equity loans when the funds are used to “buy, build, or substantially improve the taxpayer’s home that secures the loan.”

4. Home additions: Are you running out of space in your beloved home? Well, don’t let limited square footage hold you back! With home equity, you can add an addition to your property and increase its value while also avoiding a pricey move.

Whether you need a new family room, bathroom, mudroom, or bedroom, adding some extra space could be just what you need. And the good news is that you don’t have to dip into your personal savings to make it happen. A home equity loan is an affordable and accessible option that can help you fund your dream addition.

By expanding your living space, you’ll not only enhance your daily life but also increase the overall value of your property. And let’s face it – who doesn’t want a little extra room to breathe and relax in their own home?

5. Down payment for investment property: Looking to level up your real estate game and become a landlord or commercial property owner? Well, get ready to dish out a hefty down payment! But before you start dipping into your personal savings, there’s a smarter way to get the cash you need – with home equity.

By tapping into the value of your property, you can secure a home equity loan with a competitive interest rate, allowing you to pursue your real estate dreams without breaking the bank. And let’s be real – who wouldn’t want to make passive income from a rental property or have a commercial space to call their own?

With a home equity loan, you can unlock the value of your property and use the funds to invest in real estate ventures that align with your financial goals. And since home equity loans are secured by your property’s value, you’ll likely qualify for a more affordable interest rate than other types of loans.

6. Starting a business: Ready to turn your entrepreneurial dreams into reality? Look no further than your own home! By tapping into your home equity, you can access the funds you need to start a business – whether that means opening a franchise or starting your own company from scratch.

With a home equity loan, you can get a sizable chunk of money upfront without having to drain your personal savings or take out an expensive small business loan. And let’s be real – every entrepreneur knows that startup costs can quickly add up, so having access to affordable funding is crucial.

And with careful planning and expert guidance, you can use your home equity to start a successful and thriving business. So don’t let a lack of funding hold you back from pursuing your entrepreneurial dreams.

7. Use for an emergency:When life throws you a curveball, having a backup plan can make all the difference. That’s where home equity comes in handy. While home equity loans offer a fixed lump sum, fixed interest rate, and fixed monthly payment, a home equity line of credit (HELOC) works like a credit card, giving you the flexibility to borrow against your equity as needed. 

With a HELOC, you can rest easy knowing that you have a financial safety net to fall back on in case of emergencies. Whether it’s unexpected medical bills, a job loss, or a health scare, a HELOC can provide you with the funds you need to weather the storm.

And the best part? If you don’t use your HELOC, there’s no need to worry about repayment. Plus, since any cash you borrow is secured by the equity in your home, you can enjoy much lower rates than traditional credit cards or loans.

Of course, it’s always best to have an emergency fund in place, but a home equity loan or HELOC can be a reliable backup plan if you don’t yet have one. Just be sure to compare HELOCs and watch out for fees to ensure you get the best deal.

Home equity is a powerful asset that many families underestimate when it comes to building wealth. By refinancing and unlocking the value of your property, you can use your home equity to pursue various investment strategies. Whether it’s paying off credit card bills, consolidating debt, making home improvements or adding an addition to your home, you can use your home equity to increase your wealth and financial stability. You can also tap into your home equity to fund your real estate ventures, start your own business or have a financial safety net in case of emergencies. With careful planning and expert guidance, home equity can be a valuable tool for creating a stronger financial future for you and your family. 

 

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2.  Ways to Access Your Home’s Equity:

Now, how do we access your home’s equity? There’s a few popular methods for tapping into the butt load of cash you’re currently sitting on: cash-out refinancing, refinancing, and Home Equity Lines of Credit (HELOCs). By understanding these options, you can make informed decisions that best suit your financial goals, whether you’re upgrading your living space, managing debt, or embarking on new endeavors. 

 

1. Cash-out Refinancing: Sail Away with Extra Cash Cash-out refinancing is like discovering a hidden island filled with gold. You replace your current mortgage with a new loan for more than you owe on your home, and then pocket the difference. It’s a popular choice for homeowners looking to access their equity while potentially lowering their interest rate or changing their loan term.

Advantages:

1. One loan to manage: By consolidating your mortgage and home equity, you’ll only have one monthly payment to worry about.

2.Tax benefits: In some cases, the interest you pay on a cash-out refinance could be tax-deductible.

Disadvantages:

1. Closing costs: Just like with your original mortgage, you’ll need to cover closing costs, which can be 2-5% of the loan amount.

2. Long-term commitment: If you extend the loan term, you might end up paying more interest over time.

2. Refinancing: Smooth Sailing to a Better Mortgage Refinancing is like swapping your old rowboat for a shiny new yacht. It involves replacing your current mortgage with a new one, typically to secure a lower interest rate, reduce your monthly payments, or change your loan term.

Advantages:

1. Save money: Lowering your interest rate can save you thousands over the life of your loan.

2. Flexibility: You can choose a new loan term that better suits your financial needs.

Disadvantages:

1. Closing costs: Just like with cash-out refinancing, you’ll need to pay closing costs on a new loan.

2. Time-consuming: The refinancing process can take several weeks or even months to complete.

3. HELOCs: Float on a Flexible Line of Credit A Home Equity Line of Credit (HELOC) is like having a trusty life raft on hand. It’s a revolving line of credit that uses your home as collateral. You can borrow against your home’s equity, repay the funds, and borrow again as needed during the draw period, usually 5-10 years.

Advantages:

1. Flexibility: You only borrow what you need, when you need it, making it perfect for ongoing expenses or projects.

2. Interest-only payments: During the draw period, you may have the option to make interest-only payments, keeping monthly costs low.

Disadvantages:

1. Variable interest rates: HELOCs typically have variable interest rates, meaning your payments could rise if rates increase.

2. Risk of foreclosure: Failing to repay your HELOC could result in the loss of your home.

Unlocking your home’s equity can be a fantastic way to achieve your financial goals, but it’s essential to weigh the pros and cons of cash-out refinancing, refinancing, and HELOCs. Consider consulting a financial advisor or mortgage professional to help you decide which option is the best fit for your unique circumstances. With the right strategy, you’ll soon be sailing the high seas of financial freedom!

Selling A House Shouldn’t be Stressful

There is a pro-active way to sell your home that gets results

3. How to Save Thousands on Your Mortgage:

 

There is a simple yet powerful strategy to save you tens of thousands of dollars: paying a little extra towards your mortgage each month. This small step can save you thousands of dollars over the life of the loan and help you become mortgage-free sooner.

When you pay more than the required monthly payment, the extra amount goes directly towards the principal balance of your loan. This reduces the overall balance and, in turn, the interest accrued on that balance. The benefits are twofold: you’ll pay less interest over time and shorten the term of your mortgage.

Let’s illustrate this with an example. Imagine you have a 30-year mortgage for $250,000 at a 4% fixed interest rate. Your monthly principal and interest payment would be approximately $1,193. If you were to pay an additional $100 per month, you would save over $26,000 in interest and shave off more than four years from your loan term!

If you’re considering this approach, check with your lender to ensure there are no prepayment penalties and confirm that the extra payments will be applied to the principal. You can also use online mortgage calculators to help visualize the long-term savings this strategy offers.

By consistently paying a little extra each month, you’re investing in your financial future. The thousands of dollars saved in interest can be redirected towards other financial goals, such as retirement, education, or home improvements.

 

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4. Private Mortgage Insurance 

Private Mortgage Insurance (PMI) is an insurance policy that protects lenders from potential losses if a borrower defaults on their mortgage. It’s typically required when a borrower puts down less than 20% on a conventional home loan. PMI reassures lenders, making it possible for more people to qualify for mortgages with smaller down payments.

The cost of PMI varies based on the size of your down payment and credit score, and it’s usually added to your monthly mortgage payment. The good news is that PMI isn’t permanent. There are several ways to remove it:

1. Automatic cancellation: Under the Homeowners Protection Act, lenders must automatically cancel PMI when your loan balance reaches 78% of the original property value, provided you’re current on your payments.

2. Request cancellation: Once your loan balance falls to 80% of the original property value, you can request PMI cancellation in writing. Your lender may require a home appraisal to verify the value.

3. Refinancing: If your home has appreciated in value or you’ve made significant improvements, you might be eligible to refinance your mortgage without PMI, provided your new loan balance is 80% or less of the home’s current value.

Keep track of your mortgage payments and home’s value to ensure you’re not paying PMI longer than necessary. Removing PMI can save you money, allowing you to reach your financial goals faster.

Selling A House Shouldn’t be Stressful

There is a pro-active way to sell your home that gets results

5.  What’s Your Homes TRUE Value?

 

If you’re curious on what your home’s TRUE value is? Want to know how much it could be worth on the market? Sign up for a free home evaluation today! Our expert team will provide you with an accurate and comprehensive report, giving you insight into the current market and helping you make informed decisions about your property. Sign up now and take the first step towards unlocking the TRUE potential of your home!

 

 

In conclusion, the secrets of the top 1% are within your grasp. By leveraging your home’s equity and utilizing strategies like cash-out refinancing, HELOCs, and real estate investments, you can create generational wealth for your family. We hope this article has inspired you to take action and explore the possibilities that your home’s equity offers.

As your trusted realtor, I’m here to help you make the most of your assets and guide you on this rewarding journey. If you’re ready to explore the possibilities that your home’s equity offers, don’t hesitate to reach out.

Thank you for taking the time to read this article. I’m excited to assist you in unlocking the full potential of your home’s equity and creating a lasting legacy for your family.

 

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Home Ownership Education, Home Sellers and Buyers, Moving to Charlotte NC, Selling My House, Uncategorized

How do rich people become wealthy?  How do successful individuals become generationally wealth?

How do rich people become wealthy?  How do successful individuals become generationally wealth? Well, I was recently asked by a wise sage, "do you know how rich people become wealthy?"  Join Adam Kelly & I as we reveal how the wealthy build generational wealth!...

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7 Towns Near Charlotte NC that have a ‘Main Street’ Vibe

7 Towns Near Charlotte NC that have a ‘Main Street’ Vibe

Are you looking for that downtown, walkable, atmosphere?  That Small Town near Charlotte NC that still offers restaurants & entertainment When you start shopping for a home in one of the Charlotte suburbs, you might be surprised at what you find: wide sidewalks, ice cream shops, coffee cafes, fine dining restaurants and plenty of shopping will greet you in these downtown burrows. 

Just outside of the thriving metropolis of Charlotte, “Main Street” still exists. Many of Charlotte’s best suburbs are actually best-kept secrets, offering a glimpse of simpler days and southern charm. Many of these towns were built around the old mill’s & have seen extensive revitalization throughout the past decades.

We love strolling the wide sidewalks of our favorite downtown havens, visiting the great eateries & breweries, smiling at passersby and soaking one of the best parts of living in Charlotte.

The Right Agent Will Make Your Real Estate Experience BETTER!

Want to live in an area that still has that “Main Street” vibe? These seven towns near Charlotte NC offer the best of both worlds: 

Homes for Sale in Charlotte, NC:

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1. Living in Matthews NC: 

Matthews has one of the most vibrant downtown communities of any area near Charlotte. I may be a bit bias, as I do live downtown Matthews :). From its weekly year-round farmer’s market to a dizzying array of retail establishments, restaurants (You have to check out Seaboard Brewery) and small businesses.

Main Street right by Stumptown Park, a cute little slice of greenery that’s host to events like movies on the lawn and various festivals throughout the year. And who can forget about all the great events Matthews hosts year-round.

Thanks to its proximity to both Charlotte proper and south CLT neighborhoods like Ballantyne & Waverly, Matthews has actually become one of the most popular commuter “suburbs” in the state. Still, part of the CMS school system and home to juggernauts Family Dollar and Harris Teeter, the city is a smart choice for professionals and families alike. Homes for sale in Matthews range from two-story brick traditional’s to new construction to ranch-style, and more.

For more information on Matthews NC, visit our webpage:

Living in Matthews NC

The Right Agent Will Make Your Real Estate Experience BETTER!

2. Living in Davidson NC: 

Downtown Davidson is literally the picture-perfect version of southern Main Street, lined with antique stores, clothing shops, and even a revered “restaurant row.” You have the check out Kindred, one of the most touted eateries in the state.

Adjacent to the gorgeous grounds of historical Davidson College, the downtown area is actually paved mostly with bricks, and exceptionally clean. Every year visitors and locals alike enjoy May Day, Movies on the Green, and a glittering “Christmas in Davidson” festival.

Great news, it’s actually surprisingly easy to find homes for sale in Davidson within walking distance of downtown. The surrounding streets are lined with historic homes ranging from brick colonials to single-story craftsmans. Between the college and the vintage charm, though, Davidson is in high demand, so it won’t be affordable here for long.

 

For more information on Davidson, visit our webpage:

Moving to Davidson North Carolina

3. Living in Fort Mill SC:

Fort Mill has it all! No, really. The township of Fort Mill, just over the South Carolina line from Charlotte, is an absolute boom town. Fort Mill is one of the fastest growing cities in South Carolina.  Thankfully, despite the rapid development of the once-farmland surrounding this community, it’s charming downtown has stayed largely intact, and even been improved.

Main Street in downtown Fort Mill is still the heart of the city, and it shows. Some of the buildings in downtown date back to the late 1800s, including large mill buildings that were used for textiles in years past.

As you stroll through historic Fort Mill downtown, you’ll feel like you’ve stepped back in time. Many of the buildings on Main Street were built in the late 19th Century and provide evidence of the business district’s growth during this period in time. If you find yourselves downtown Fort Mill you have to stop by and visit our friend Smokin’ Ed Currie, owner of Puckerbutt Pepper Company. Puckerbutt Pepper Company is home to the Worlds Hottest Pepper, The Carolina Reaper. Click Here to see an interview with the mad scientist himself, Ed Currie. 

For a bargain, downtown Fort Mill homes for sale offer a lot to think about; live, work, play in every sense of the word!

 

For more information on Fort Mill SC, visit our webpage:

Fort Mill SC

4. Living in Belmont NC: 

The charming city of Belmont sits about 15 miles west of Uptown Charlotte. Belmont is surrounded by the natural beauty of rolling hills, robust forests and the rambling banks of Lake Wylie. When you visit Downtown Belmont, it feels like you are stepping back in time.   

Once a community where the textile industry served as the lifeblood, Belmont is a burgeoning success story of thriving growth and redevelopment. A picturesque blend of old-fashioned nuances, Belmont offers historical homes, streetlamps, brick sidewalks and the simpler times of “back then.” These are the branches that support a budding business atmosphere of today, that embrace the beautiful Daniel Stowe Botanical Garden, and that help to nourish arts, culture, shopping and an assortment of fascinations for all ages to enjoy.

You can spend an entire day strolling through Downtown Belmont visiting all of the shops, stores, & restaurants. For some great southern food you have to check out  Nellie’s Southern Kitchen, owned by the Jonas Family. Or grab a craft beer at Jekyll & Hyde Taphouse & Grill

Settled all the way back in the 1750s, houses for sale in Belmont, as well as downtown itself, have a lot of rich history. Just a few miles from the beautiful Belmont Abbey College, downtown teems with locals and students alike. There are actually a variety of events held in and around downtown each year including the Belmont Boo Fest, a downtown Christmas Village, and even a Summer Concert Series on Friday nights! 

For more information on Belmont NC, visit our webpage:

Living in Belmont NC

5. Living in Waxhaw NC: 

Thirty miles south of Charlotte is a small but celebrated city. While being home to only about 13,000 people, this place packs a big punch (especially in the restaurant arena). With a charming downtown sprinkled with shops, boutiques and elegant restaurants as well as a bustling market on Saturday mornings, you can’t miss wonderful Waxhaw.

While downtown, you have to check out The DreamChaser’s BreweryUnion County’s First and Waxhaw’s only Brewery. This brewery is known for its transformed space, once served as a fire station and now hosts music bingo on Tuesday nights from 7-9 p.m, trivia on Wednesday from 7-9 p.m, and the occasional build your own mimosa bar on Sunday.

The downtown area of Waxhaw was once surrounded by large tracts of farm land and pastures. Today, the landscape takes on a new look, as those farmlands have turned into substantial subdivisions. The rapidly growing town of Waxhaw is located about 23 miles southeast of downtown Charlotte.

For more information on Waxhaw NC, visit our webpage:

Living in Waxhaw NC

6. Living in McAdenville NC:

McAdenville is most famous for their Christmas traditions.  Many places worldwide claim to have the best Christmas celebrations, but no holiday location is quite like McAdenville, North Carolina. Brought to the public’s attention in 1980, the Charles Kuralt Morning Show featured McAdenville and continues to be a popular place for visitors.

During the year, McAdenville, a small town home to around 1,000 full-time residents, and its streets are as charming as any place you can imagine. This town becomes a beacon for those looking for a head-to-toe holiday spirit. The town, dubbed Christmas Town U.S.A.,” puts on a light show that draws in an estimated 600,000 visitors each year.

For more information on McAdenville NC, visit our webpage:

McAdenville NC

7. Living in Salisbury NC

7 Towns Near Charlotte NC that have a 'Main Street' Vibe

Located only 45 minutes north of downtown Charlotte, Salisbury is known for its diverse Victorian-styled architecture and small-town feel.  Founded in 1753, Salisbury has been the home to many well-known events, such as the creation of the beloved southern soda, “Cheerwine”, in 1917, and even the founding of the “Food Lion” grocery store chain in 1957.

Salisbury’s Main Street is always the high point of any visitor’s trip, with its yummy ice cream parlor, fantastic live events, and perfect restaurants! Downtown Salisbury, Inc. has even been accredited by the Main Street America™ program as meeting a set of requirements that serve to better the community through its local economic growth.

Let’s Connect Today!

Phone:

704-631-3977

Email:

info@thefinigangroup.com

Visit Us:

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Charlotte NC 28277

Home Ownership Education, Home Sellers and Buyers, Moving to Charlotte NC, Selling My House, Uncategorized

How do rich people become wealthy?  How do successful individuals become generationally wealth?

How do rich people become wealthy?  How do successful individuals become generationally wealth? Well, I was recently asked by a wise sage, "do you know how rich people become wealthy?"  Join Adam Kelly & I as we reveal how the wealthy build generational wealth!...

Featured Suburbs

Featured Neighborhoods

Ahhhh, Main Street. Who doesn’t sometimes wish we could step back in time, when everything seemed so…simple? The good news is, the Charlotte area has all that, plus the amenities of a world-class city, too. 

Interested in one of these downtown areas? We hear you. Give our team a call!

CONNECT WITH THE FINIGAN GROUP

READY TO TAKE THE NEXT STEP?

Let’s schedule a meeting! During this initial consultation, we’ll learn more about your situation and what you’re seeking in a home.  We’ll provide advice and address any concerns you may have in order to determine the best approach to achieving your goals.  by the end of our conversation, we’ll have a solid plan of action and next steps for moving forward. 

Charlotte’s 5 Most Bike-Friendly Neighborhoods

Charlotte’s 5 Most Bike-Friendly Neighborhoods

Charlotte’s 5 Most Bike-Friendly Neighborhoods

Charlotte, North Carolina isn’t exactly known for being a biker’s paradise, but that is rapidly changing!

The city’s made huge strides in the last few years to become more bike-friendly, from community events to better bike lanes to a popular city-wide bike-sharing system. Whether you like to bike to work, ride the trails, or cycle for exercise, there’s a bike-friendly neighborhood in Charlotte that will work for you.

Where are Charlotte’s most bike-friendly neighborhoods? If you’re looking for a house that can serve as your launching point for some serious bike adventures, consider these five neighborhoods. You might be surprised.

 

Homes for Sale in Charlotte, NC:

Charlotte’s 5 Most Bike-Friendly Neighborhoods

The neighborhood of Dilworth is set up in a grid style for easy navigating, and it is considered one of the most walkable and bikable in the city. Established in the late 1800s, the Dilworth neighborhood is on the National Register of Historic Places, and it is bursting at the seams with vintage charm.

Dilworth is ground zero for biking in Charlotte. Yes, it’s a little hilly but they’re also shaded and dotted with wide streets; cars here move slower, too, because of the residential nature of the communities. The area is also home to the most popular part of Little Sugar Creek Greenway which itself pops out in Freedom Park. Whether you’re a weekend biker or want to commute to Uptown, this is your spot.

 

For more information on Dilworth, visit our webpage:

Dilworth Charlotte NC

Plaza Midwood - Charlotte’s 5 Most Bike-Friendly Neighborhoods

Plaza Midwood is well known for many things: The “trendiest,” the “foodiest,” and the “coolest” neighborhood in Charlotte, depending on who you ask. It’s also definitely one of the most bike-friendly neighborhood in Charlotte. Coming of age as a working class streetcar suburb, Midwood was always set up for bike transportation. Here you’ll find wide streets, plenty of long bike lanes, and lots of stop signs. 

 

For more information on Davidson, visit our webpage:

Plaza Midwood

Charlotte’s 5 Most Bike-Friendly Neighborhoods

Davidson is, of course, its own city, and it’s far enough from Charlotte that you can’t exactly bike a commute into Uptown. But if you work in Davidson or simply like to bike in your spare time it’s an affordable bike-friendly neighborhood in the Charlotte area. Adorable downtown Davidson has lots of bike lanes and drivers are very respectful. The Davidson Greenway covers 6 miles of ground (through downtown) covering a nature preserve and a biker’s hill known as “the Wall.” It’s a great place to bike as a family, too.

For more information on Davidson, visit our webpage:

Moving to Davidson North Carolina

Myers Park - Charlotte’s 5 Most Bike-Friendly Neighborhoods

Myers Park cycling is well known for The Booty Loop. The Booty Loop has simply become a defacto training loop for cyclists all over the Queen City. The three-mile course running through the heart of the beautiful Myers Park neighborhood is the site of the hugely popular 24 Hours of Booty ride and, at times, sees more bike than car traffic. 

But there’s something even more magical about the historic, oak tree-canopied neighborhood of Myers Park. Somehow, with no designated facilities or organizing body, a 3 mile loop of roads has emerged as one of the premier places to cycle in all of Charlotte.

Cruising past Tudor, colonial revival, and bungalow style homes, the loop offers a glimpse into Charlotte’s past and a tour of one of the most pleasant areas of the Queen City.

Whether they themselves are cyclists, they respect people getting fit, or out of shear resignation, the residents of Myers Park typically give way to riders, making this one of the safer areas to train. On any given day you’ll be joined by everything with two wheels and a couple peddles.

Every year the 24 hours of booty brings thousands of cyclists and volunteers to travel this loop over and over again. The event is a highlight in the Charlotte biking community and has raised millions of dollars in the fight against cancer.

For more information on Davidson, visit our webpage:

Myers Park Charlotte NC

South End

The best part about biking in South End? You don’t have to do it on South Blvd! Development in the neighborhood over the last few years has left South Boulevard congested & not the safest for bicyclists. Instead, ride your bike on the still-growing Charlotte Rail Trail path that goes along the light rail tracks. You can even take your bike onto the LYNX light rail to get all the way into Uptown or farther down into South Charlotte! Don’t forget to stop for a beer at one of the neighborhoods’ many bike-friendly breweries.

 

There are plenty of ‘micro neighborhoods’ in Charlotte that are excellent for biking. Seversville, Belmont, Chantilly, Cherry, and Commonwealth come to mind. If you just want to bike around the neighborhood, there’s a home for sale in Charlotte you can make work.

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Buying a home in Charlotte? 3 things you must do before you start your search!

Buying a home in Charlotte? 3 things you must do before you start your search!

It can be frustrating to be a first-time homebuyer if you aren’t prepared. Here are 3 tips from The Finigan Group on how to find your dream home-without losing your mind.

1. Get Pre-Approved for a Mortgage Before You Start

Know what you can afford before you start your search. By getting a pre-approval letter, you demonstrate to sellers that you are serious when you write your offer and it proves you can afford the home.

 

Benefits Of Preapproval

Some of the benefits of getting preapproved include:

  • You know exactly how much home you can afford. You and your real estate agent know your home-purchasing power once you have a preapproval letter in hand. This will help you shop within your budget.
  • You can make a stronger offer. Sellers need to know that the buyer they choose can afford their home. A preapproval shows a seller that you have the money needed to purchase the home.
  • You’ll experience fewer surprises. When you’re preapproved, you’re less likely to run into last-minute surprises or delays with your mortgage lender.

The bottom line? Request a preapproval before you start shopping for a home. Read on to learn why a preapproval may not reflect the final loan offer.

2. Focus On WHERE You Want To Live

They say the three most important things to think about when buying a home are location, location, location. You can change almost everything else, but you can’t change your home’s location. So when you go house hunting, consider proximity to your work, how the home is situated on the lot, ease of access, noise from neighbors, and traffic. Also think about access to parks, shopping, schools, and public transportation.

3. Choosing The Right Realtor.

Buying a house is a big deal, so you’ll want to select a qualified real estate professional to represent you in your transaction—someone who is both knowledgeable and will look out for your interests.

As a first-time buyer, you may not know there are differences in buyer’s representatives. If you select an aggressive buyer’s representative, you can be assured you’re working with someone who has received special training in representing buyers and has already established a track record with buyers. Find out who serves your area and interview more than one buyer’s agent before deciding who offers the best fit in helping you navigate your first home purchase.

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