Convenient Fletcher Home

A convenient, well-loved Fletcher location.  2 story traditional home with 4 bedrooms and 2 ½ baths. The main level has hard wood floors throughout with the kitchen and living space open to each other; some of the other features on the main floor are granite countertops in the kitchen with newer  appliances throughout, breakfast nook, wood burning stove, formal dining room, ½ bath, laundry, screen porch and office. The master bedroom with is tray ceiling, 2 closets and master bath is located on the 2nd level along with the other 3 bedrooms. The seller used the 4th bedroom as a media room, but this room has ample closet space for it to be the 4th bedroom. This light filled home is a solid contender in the choices of today’s market place.

Minutes from Lake Fontana

Affordable 2/2 with a daylight basement that sits above Panther Creek on 13 plus acres. Located in Graham County but a stone’s throw from Swain County, this well-maintained home features include, new kitchen cabinets, granite countertops, propane gas stove, refinished oak hardwoods, thermostatically controlled attic fan, 2012 metal roof, pressure tank, water heater, tiled bathroom/shower, wood fireplace in the living room along with a wood stove in the generously sized basement/work shop that has a 3 piece bath. Conveniently located 1 mile from the Tsali bike trail and Lake Fontana, 5 mi to Nantahala Outdoor Center and less than 20 mi from Cherokee and Smokey National Park. Store your playthings in the barn/garage building along with a RV/boat covered port that sits at the beginning of the drive. Come hear the sounds of Panther Creek in your screen porch. This is a perfect tree house for adventurers and for those who want to slow down. Call LA for combo.

Spring has come to the mountains

This is your opportunity to own 93 acres in a premier cove in Sandy Mush. This land has lovingly been placed in a Conservation easement- there is a total of 93.04 aces, within that acreage there is an allowable 5 acres that can be developed and has some premier home sites. This cove is as quiet as quiet can be, south facing with several natural springs, bath house, cabin, out house and an out building. Electricity is connected to the bath house and the cables have been buried at the top of the drive for unobstructed views. This natural water shed has an abundance of native flora and fauna. Get up in the morning and hike through the splendor of your own cove. To receive additional information in regards to the conservation easement, please contact the listing agent. This is not a drive by property and requires a code to access. Survey and Ariel can be found on the MLS. Call LA to schedule an appointment.

A stones throw from Lake James!

5 bedrooms and 5 1/2 baths. It is all here- Master bedroom has two baths, eat in kitchen is overly generous and has walk out patio space, formal dining room, gas fireplace in living room, office right off the front door, lower level great room with wood burning fireplace, sauna, in-ground pool; pool house, patio, lighted tennis court, 4 bay heated garage just to name a few features of this home. There is also a 7 stall barn, wash rack & 1/2 bath loft drops, fenced pastures, on 12 plus rolling acres. This property borders the Pisgah National Forest, the Fish Hatchery is across the road, and you’d be minutes from Lake James. One of a kind and unique, bring your imagination, your family, and your livestock. Offered 3 different ways- call listing agent for information.

Top 10 Facts About Buying Your First House

Buying your first house is an exciting milestone in a person’s life. Read on for the top 10 facts about buying your first house.

  1. Three out of four homeowners say their home is their biggest source of wealth. The statistic comes from the National Association of REALTORS® (NAR) survey and demonstrates just why it is so important to become a home owner in America. Remember, this means your house is not just a place to live, but also an investment in your future.
  2. Stretching to get into a home you can’t afford is a bad idea: Millions of homeowners lost their homes to foreclosure in 2008 and 2009 as a result of using creative financing to get into a house that they couldn’t really afford. Make sure you figure out your budget and determine exactly how much you can afford to spend. Then, take a mortgage loan that makes sense to you and that is not likely to increase to such a high level you can’t possibly pay (as may happen with some adjustable rate mortgages).
  3. You should have a down payment: Banks and mortgage lenders want buyers to have a down payment because that protects the lenders. If you have a down payment, you have equity, which means you own a portion of the home. If property values fall, you are thus less likely to end up owing more on the home than it is worth. The down payment is so important to lenders that if you don’t have one, you will be required to pay private mortgage insurance (PMI).
  4. You may have to pay closing costs to get a mortgage: These costs include appraisal costs, inspection costs, application fees for your mortgage loan, a title search and various other expenses. You usually either have to pay them up front or they are added to the cost of your mortgage and you have to pay them over time. Occasionally you can negotiate a deal wherein the seller pays the closing costs, but this is not very common.
  5. You can get pre-approved to find out how much you can afford: Before you even begin looking at houses, you can go to a bank or mortgage lender with your financial information and find out just how much they are willing to lend you. That way, you can look only at houses in your price range and you won’t end up falling in love with a home you can’t afford.
  6. The seller may pay the commission for your real estate agent: In most cases, buyers do not pay for their agents. Instead, the seller pays three percent to the agent who helped sell the house and three percent to the buyer’s agent who helped you buy it.
  7. Real estate investments are widely considered a hedge against inflation: Inflation refers to the falling value of the dollar. In other words, the purchasing power of $1 will be less tomorrow than it is today, since goods tomorrow may cost slightly more. Since real estate is a tangible asset that rises in value, it is usually considered to protect you against this phenomenon, at least to the extent of what your real estate is worth.
  8. Mortgage interest is generally tax deductible: This means you can reduce your taxable income by the amount of interest you pay. If you make $50,000 for example, and your mortgage interest is $9000 per year, you can deduct that $9000 to reduce your income to $41,000.
  9. Be prepared for property taxes: Property taxes are determined by the assessed value of your home. They have to be paid to the county every year or the tax collectors could take your house.
  10. Know when buying makes sense: Generally, it only makes sense to buy a house if you plan to stay put for at least two years. That is normally how long it takes for your property to rise in value enough to make up for what you spent on closing costs and on originating the mortgage loan. Furthermore, if you live in a house for less than two years, you may have to pay more taxes on the amount you make on the sale. This, and other factors- such as what the housing market in your area is doing- should be considered before you decide to buy.