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Real Estate Resources:

• Special Offers - Special offers for New Bern, Havelock and Carteret County homeowners from Christina Ward & The Carolina Home Team.

• Affiliates - Christina Ward & The Carolina Home Team's real estate web site affiliates.

• eNewsletter - Christina Ward & The Carolina Home Team'sNew Bern, Havelock and Carteret County newsletter email will send you the latest real estate information.

• Today's Real Estate News - Daily real estate news for this neighborhood, North Carolina, and United States.

• Market Conditions Report - Market conditions report for this area, North Carolina, and United States.

• Monthly Payments & Schedule - Monthly loan payments java mortgage calculator.

• How Much Can You Afford? - Calculate how much home you can afford with this financial calculator.

• Determine Tax Savings - Calculate how much your monthly New Bern, Havelock and Carteret CountyNorth Carolina mortgage payments save you on your taxes because of loan interest.

• Should You Rent or Buy? - Is it better to rent a home in North Carolina or buy your own New Bern, Havelock and Carteret County house, ranch, luxury property, condominium, acreage, or other real estate?

• Adjustable Rate Mortgages - Adjustable rate New Bern, Havelock and Carteret County mortgages information and interest rate java calculator.

• What Is Your APR? - Determine the Annual Percentage Rate (APR) for your mortgage.

• Fixed or Adjustable Rate Mortgage? - Use this calculator to compare a fixed rate mortgage to two types of ARMs, a Fully Amortizing ARM and an Interest Only ARM.

• Are Balloon Mortgages For You? - Balloon mortgage calculator. A balloon mortgage can be an excellent option for many home buyers.

• 15 vs. 30 Yr Mortgages - With a 15 year mortgage you will pay significantly less interest, but only if you can afford the higher monthly payment. Use this calculator to compare these two mortgage terms.

• How Much Should Your Income Be? - What income is required to qualify for a mortgage? Use this calculator to find out.

• What's Your Maximum Mortgage? - This calculator will help you determine your maximum monthly housing payment and the resulting mortgage amount.

• Will Buying Points Save You Money? - This calculator helps you determine if you should pay for points, or use the money to increase your down payment.

• TripleCalc - FREE Software Download: TripleCalc lets you compare three loans at one time for your property or other North Carolina real estate.

• Top National Real Estate Web Sites - Real Estate Web Sites that include some unique sources of realty information, listings, and more.

• Ask Anything - Ask Christina Ward & The Carolina Home Team anything real estate.

• NUMBER1EXPERTS™ - List of all the NUMBER1EXPERT™ real estate agentss and realty professionals and brokers in the USA and Canada with links to their personal web sites with homes for sale.

• Real Estate Tips - Christina Ward & The Carolina Home Team's realty library of real estate tips and advice on everything from preparing your home for sale to negotiating with home buyers to escrow, closing costs, property inspections, and mortgage brokers.

• Real Estate Trivia - Christina Ward & The Carolina Home Team's collection of real estate trivia questions and answers that include real estate topics such as the most expensive home, largest swimming pool, and more.

• Real Estate Dictionary - Complete real estate dictionary and glossary of realty words you'll use when you list and sell your New Bern, Havelock and Carteret County property in North Carolina, including legal terms definitions, and more.

• Go to Main Sitemap - Main sitemap sections include Find New Bern, Havelock and Carteret County Homes, For Home Buyers, For Home Sellers, New Bern, Havelock and Carteret County Information, Real Estate Resources, and About Christina Ward & The Carolina Home Team.

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"A model of how the Internet can facilitate the process of deciding where to send your children to school" - America's Best School Profiles by The Heritage Foundation North Carolina Public, Private and Charter Schools: Compare them using these top-rated, comprehensive reports.   Schools in New Bern, Havelock and Carteret County

About Appraisals >Three Caballeros When you buy a house or refinance your present home, your lender will ask you to pay for an appraisal to help ensure that the sales price and mortgage amount is consistent with the property's market value. The appraiser will look for "three caballeros" or three "comparables" -- homes that are very similar to the one you are buying -- and will make adjustments to reflect the differences between the properties. Housing patterns tend to be homogenous, meaning that homes worth $300,000 are usually located in $300,000 neighborhoods. It is important for properties to be within the general pricing patterns of their neighborhoods because over-valued homes, even if they are exceptional, are sometimes difficult to sell at full market price. This is not the only factor considered in determining the worth of a property, but it is an important one. The buyer or seller may view the property as a home or an investment, but lenders view it in a completely different way. To a lender, property means security in the event a borrower fails to repay a mortgage. Therefore, lenders must know real estate values in order to limit their risks. See All Tips In The "About Appraisals" Category > See Complete Library Of Hundreds Of Tips In 30+ Categories >

Q  What famous antebellum mansion was known as the "Queen of Tennessee Plantations"? A  Belle Meade Plantation was a prosperous 5,400-acre thoroughbred horse farm in the mid 1800's. The Civil War Battle of Nashville was fought in its front yard. See More Real Estate Trivia >

Christina Ward & The Carolina Home Team Licensed to practice real estate in North Carolina Keller Williams Realty 2117 S. Glenburnie Rd., Suite 14 New Bern, NC 28562 Tel: 252-639-2202 Tel: 888-KWNEWBERN Fax: 252-637-7175 Email: Ward@NCPropertiesOnline.com www.ncpropertiesonline.com is brought to you by Christina Ward & The Carolina Home Team NUMBER1EXPERTS™ in real estate for New Bern, Havelock and Carteret County, North Carolina, waterfront properties, golf communities Read Christina Ward & The Carolina Home Team's Privacy Guarantee, Terms of Service, and Free & Without Obligation Pledge

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