The Safari Group Launches New Foreclosure Help Division

CHARLOTTE, NC – Nov 01, 2014 – REALTOR® Chrystal Safari Roy, Broker in Charge, and The Safari Group of Charlotte, NC are proud to announce the addition of a new foreclosure relief division to their real estate practice earlier this month. Carolinas Foreclosure Help division expands the practice due to its continued growth and commitment in delivering quality customer service combined with the latest strategies to assist home owners in the sale of their homes and to assist new home buyers in purchasing homes at a great value in the Charlotte, Fort Mill, Waxhaw and Weddington areas for a growing number of clients.

Chrystal Roy is owner of the local boutique real estate firm and has been a REALTOR® for 14 years practicing real estate in the Charlotte Metro area for that time.  She is licensed in North and South Carolina. The Safari Group is a full service brokerage firm specializing in listings, sales, tenant procurement and rental portfolio development.  Her mission with the new division follows years of experience with clients who attempted to avoid foreclosure on their own, falling victim to the banks’ superior knowledge and know-how, is to educate customers and clients on all aspects of real options for home owners who are in distress leading to a smoother transition from a home owner at risk of foreclosure, to avoiding foreclosure and the credit and tax liability that comes with it.  In addition to pre-foreclosure counseling, Mrs. Roy will make recommendations on approaches to renewed home ownership as a part of the client’s recommended recovery plan.

The Safari Group’s website, TheSafariGroup.com, and its associated blog include information on how customers can, not just get the most out of their financial situation, but avoid the decade-long stigma of foreclosure and also how they can help themselves speed up credit recovery times.

“I’m happy to be part of debt relief and recovery in the Charlotte and surrounding areas, and to be part of Mr. and Mrs. Homeowners’ solution to foreclosure at such a difficult time for their families,” said Mrs. Roy. “In my years of experience, there’s never been such an advocate for homeowners with approaches that both avoid foreclosure for the homeowner and provide a quick opportunity for returning to home ownership.”

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Chrystal Safari Roy has over 20 years experience in personal property management and residential real estate sales and is a licensed REALTOR® in North and South Carolina.  As a MASTERS Designation holder, she is a specialist in New Construction, Finance, Marketing, Objection Handling, Relocation, Technology, and is a multi-million dollar producer.  Chrystal is a member in good standing of the Charlotte Regional Association of REALTORS®, North Carolina Association of REALTORS®, and National Association of REALTORS®.

Luxury Homes

Luxury. Elegance. Refinement. Many words come to mind when thinking of luxury. The same is true when thinking of Luxury Homes. Luxury Homes in our market are defined by their presence, spaces, materials, features, and locations.

So, what makes a home a luxury home? If luxury is something enjoyable or comfortable beyond life’s necessities, in many ways, we all live in some level of luxury.

I know Luxury Homes. In our market, luxury homes begin at about $700,000. Of course, at the moment, $1.5 million is the new $700,000.

A true luxury home is not just one of size, but of presence. It must look grand from the curb and include the look of comfort and pleasure from the lawn to the exterior building materials. In our market, most houses over $500,000 include hardcoat stucco as a building material, either as an accent or main feature. Other building materials included are stone, and brick. Special features such as a circular drive, fountain, or guard house add to the persona of the home.

There are large homes with upgrades that may approach $700,000, but in contrast, a Charlotte area luxury home is defined by its spaces. A paneled den or study is a must for true luxury homes in our area. So, too, is a media room. Some of the best I’ve seen rival high end hotel or private club media rooms. Other spaces typical of luxury homes include walk-in pantries, wine rooms, wine cellars and libraries. I personally don’t like to see Jack and Jill baths (two bedrooms joined by a common bathroom) in anything over $1,000,000.

In the good ole days, a true luxury home in the Charlotte market began at $180 per square foot and beyond. In this current climate, few are being built, but those that are still include custom floor plans and are still being up fitted with well-appointed features and materials.

Some unique materials included in luxury homes consist of on-site hand milled paneling, such as would be seen in a paneled den or study, or a custom handcrafted stained glass ceiling feature. Others feature award-winning hand hewn stone fireplaces carved from such exotic places as the Yucatan Peninsula, and fashioned on-site. Media rooms feature the highest resolution projectors available on the market, and some feature whole-house Smart House systems, integrating IT, Surveillance, and Energy Efficiency.

For a complete list of luxury homes available in the Charlotte Metro area, email your request with phone number. I’ll follow up after you’ve had a chance to review the offerings.

Room for Negotiations

One of the most important rooms in your listing is room for negotiation.  It is critical in every market to set your list price accurately.  In any market, if your listing isn’t priced right, you price yourself out of showings.  Pricing with room for negotiations can be a dangerous practice and may sabotage your chances to make the sale.

Here’s where a trained and experienced broker is instrumental in getting the property priced right, not only to achieve vigorous showings, but also to elicit that all important high offer.  A skilled broker is trained by appraisers who are actively working in your market and who partner with lending institutions in providing their professional services to set market value once the property is under contract. 

Once your broker has researched your neighborhood’s recent sales of properties most similar to yours, several line-item adjustments will equalize the subject (your property) and the comparables (homes sold in the last 6 – 12 months in or near your neighborhood) for a suggested list price range.  Then the competition will be evaluated.  If new construction is in the area, the product, incentives, and desirability will also be considered.  Any home, in addition to yours, that would be included in a buyer’s tour must be carefully considered.

Once a range of value is determined using several calculations, it’s time to discuss price.  If your home is found to be a unique value, then its suggested list price would be on the upper range of calculated value.  This unique value may include condition, location, or the fact that there’s nothing like it available in your price range.  Here’s where sellers sometimes are tempted to become greedy. 

It’s just not worth the potential sabotage to your sale to price your property greater than ten percent above the suggested list price of your broker.  Buyers are out touring the listed homes and generally getting a better hands-on look at competing inventory than most sellers, and will see the inequity.  Most won’t make the offer even if they like the house.  What seller wants lots of showings, but no offer? What buyer wants to make an offer, only to hear “No?”

Take your broker’s advice in pricing your listing.  The result will be a quicker sale at a higher percentage of the list price.  Who wants the deal to fall apart when the appraisal is returned?

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I love what I do, I’m good at it, & I’d love to work with you! My personal best is 8th with foreclosure bid; we not only won (it was NOT more $), but listing agent complimented me on my complete package, & asked permission to use my secret weapon! 

My listing was on Google, first page, number three position, ‘above the fold’ within minutes of my blog post featuring it!

Chrystal is a REALTOR® and principal of The Safari Group, a local, homegrown real estate firm, specializing in all phases of the residential and small business real estate market, including New Construction, Finance, Marketing, Objection Handling, Relocation, Technology, Foreclosures, Short Sales, and Luxury Homes and GREEN Features.  Contact her at 704.562.1030 TXT/PH or Chrystal@TheSafariGroup.com

TheSafariGroup.com

FOR IMMEDIATE RELEASE

CHRYSTAL SAFARI ANNOUNCES THE LAUNCH OF HER NEW REAL ESTATE FIRM, THE SAFARI GROUP

May 12, 2010 (Charlotte, NC)  Chrystal Safari, real estate broker and principal, announced today the launch of The Safari Group, a local, homegrown real estate firm, specializing in all phases of the residential and small business real estate market, including New Construction, Finance, Marketing, Objection Handling, Relocation, Technology, Foreclosures, Short Sales, and Luxury Homes.

The Safari Group consults on all aspects of real estate ownership from acquisition to liquidation, portfolio development, and property management.  As an internationally recognized Certified EcoBroker®, Chrystal offers guidelines to assist home buyers and sellers in evaluating true green features and their benefits to real property value, home ownership, tax savings and mortgage closing table capital contributions.  Chrystal is backed by certified and insured professionals to assess and protect your energy utilizing investments based upon your personal needs.

Seasoned homeowners Rick and Scherel Fisher shared, “Chrystal’s suggested listing price had us a showing and an offer within hours of the house being listed.  We had no trouble getting an adequate appraisal for the house and added on closing costs.  She helped us get to closing with difficult buyers with bad credit that we could have never managed on our own.  We highly recommend her real estate services.”

About Chrystal Safari:

Chrystal Safari has over 16 years experience in personal property management and residential real estate sales and is a licensed REALTOR® in North and South Carolina.  As a MASTERS Designation holder, she is a specialist in New Construction, Finance, Marketing, Objection Handling, Relocation, Technology, and is a multi-million dollar producer.  Chrystal is a member in good standing of the Charlotte Regional Association of REALTORS®, North Carolina Association of REALTORS®, and National Association of REALTORS®.

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Contact:

Chrystal Safari
The Safari Group
PO Box 1192
Pineville, NC 28134
704.562.1030
http://www.ChrystalSafari.com

Dreaming of a Custom Built Waterfront Country Home Getaway on 2.2 Acres?

Wake up and call me now, I have just what you’re looking for!

Rear Waterfront View from 2 Acre Pond

Dreaming of a spacious, well-appointed country-home getaway on private pond? Retreat to this 2 acre retreat with 2 acre pond and custom, luxurious fit and finishes, Grand Room, Gourmet Kitchen, 2 Story Foyer with Spiral Stair and Stained Glass Dome Ceiling, Master Suite w/Cave Shower, Sitting Room w/fireplace, Man Cave w/Wet Bar, Home Theatre and Wine Cellar, all overlooking pond sanctuary.

8000 Harpers Grove is an incredible country retreat like no other. Nestled in the back of a quiet cul-de-sac and positioned perfectly on a tranquil 2 acre pond, there is nothing quite like this Union County estate. If you are looking for extraordinary, you’ve found it. For a private viewing of this exquisite, one of a kind estate, please contact me at 704.562.1030.

Handsomely appointed with many GREEN features, visit http://8000harpersgrove.com/SPECS.html for a complete list of all the specifications of the entire property.

Welcome Home to 8000 Harpers Grove

Situated on over two acres, this country getaway washes away the city with each homeward mile as you travel closer and closer to home.

Elegant Heart of pine wood floors, elegant Spiral Stair with Stain Glass Dome Ceiling, Arched openings, columns & rounded wall corners, Extensive Trim & Moldings, Elegant Ceiling details in many rooms, & Extensive Lighting Package Greet you as you Enter This stunning retreat.

Grand Spiral Stair with Stained Glass Dome in Foyer

The Gracious floor plan is great for Everyday living and for entertaining, with Fantastic Natural views from every window.

Gallery and Formal Living Room

The spacious Dining Room creates the perfect atmosphere for fine dining. The room boasts a multi-tiered ceiling, large double window with views of the front courtyard garden as well as chair rail and solid raised wood panels. Wall sconces, tray lighting and a tiered iron and crystal chandelier, crowned by a large elegantly detailed ceiling medallion enhance the ambiance of this lovely room.

Formal Dining for 8

Travertine Tile in the Versailles Pattern adorns the grand eat-in kitchen with stone flanked pantry with built-in Serving Hutch and comfortable Seats 12 with ample Space for additional seating.

Spacious Eat In Kitchen Seats 12

2 Car Garage attached currently exists; additional detached 2 Car Garage and completion of 3rd floor walk-up bedroom & bonus areas to be completed prior to closing. Home Theatre seating & equipment, and Washer/Dryer stay as Buyer Bonus!

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Chrystal Safari has over 15 years experience in personal property management, portfolio development and residential real estate sales, and is one of only 35 EcoBrokers® in the Charlotte Metro market. Specializing in Luxury Homes, Foreclosures, and Short Sales, she is a MASTERS Designation holder and licensed REALTOR® who services North and South Carolina.

As EcoBroker®, she offers guidelines to assist home buyers and sellers in evaluating true green features and their benefits to real property value, home ownership, tax savings and mortgage closing table capital contributions and is backed by certified and insured professionals to assess and protect your investments based upon your personal needs.

As a MASTERS Designation holder, she is a specialist in New Construction, Finance, Marketing, Objection Handling, Relocation, Technology, and is a multi-million dollar producer.

Chrystal is a member in good standing of the Charlotte Regional Association of REALTORS®, North Carolina Association of REALTORS®, and National Association of REALTORS®.

 

 

 

How Good is Your Good Faith Estimate?

The Real Estate Settlement Procedures Act, known as RESPA, requires mortgage lenders and brokers to provide a good faith estimate to customers outlining a list of fees and costs associated with obtaining a mortgage within three business days of applying for a loan. RESPA outlaws kickbacks that increase the cost of settlement services. RESPA is a HUD consumer protection statute designed to help home buyers be better shoppers in the home loan buying process, and is enforced by HUD.

A move has been made to make the Good Faith Estimate a standard form which makes it easier for buyers to compare different brokers’ and lenders’ quotes and charges associated with closing the transaction.

The closing or settlement costs are the mortgage fees associated with the purchase and closing on a property and should include every expense associated with a mortgage loan, including title insurance, taxes, inspections, and other charges required to close the loan.

A good Good Faith Estimate should be fully itemized and include fees which fall into six basic categories:

• Loan fees, including loan origination fees which should not exceed 2%, appraisal, credit report, etc.

• Fees to be paid in advance, such as interest on the loan

• Reserves the lender requires to be escrowed, such as 1 – 3 months homeowner’s insurance and 1 – 3 months pro-rated real property tax if those items are escrowed with the monthly mortgage

• Title charges, such as attorney fees and title insurance

• Government charges, such as recordation fees

• Additional charges, such as survey, home inspection, wood destroying organism inspection, and home warranty are usually provided by your REALTOR® and may not be reflected on the Good Faith Estimate originated by your lender representative.

The Good Faith Estimate also includes information that is not an estimate, but states facts such as the type of loan applied for, such as VA, FHA or Conventional; proposed mortgage payment including escrowed amounts, if any; total loan amount; down payment; seller paid closing costs or agent rebates; and interest rate.

The Good Faith Estimate is only an estimate. Though it’s not uncommon for buyers to wait in the bank parking lot before closing for final figures from the attorney’s office, the final closing costs can easily be calculated by an astute real estate broker to assure your peace of mind in the final days prior to closing.

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As an accomplished real estate broker, Chrystal Safari has earned the internationally recognized EcoBroker® Certification which allows her to better serve your wants, desires, and motivations to bring added benefits to your every real estate transaction. As your Preferred Real Estate Broker, she provides a new level of service in addition to already full-service standard real estate offerings. As one of only 35 certified EcoBrokers® in the Charlotte Metro area, she offers guidelines to assist home buyers and sellers in evaluating true green features and their benefits to real property value, home ownership, tax savings and mortgage closing table capital contributions. After over 25 years of dedication to stream and undeveloped land clean up, storm drain marking, and as an avid whole house recycler, Chrystal finds it very fulfilling and exciting to have mastered this program to become one of a select few certified EcoBrokers® in our market! Call her to add the Environmental, Energy, and Green Market Advantage in your next transaction.

What Should Your Listing Agent Do For You?

 When interviewing for the right agent to list and sell your home, be sure you know what your duties are to your real estate agent, and what his or hers are to you.  Ask how he or she has personally overcome objections during similar transactions and during negotiations, saving the deal.  

As your agent educates you on market conditions in your area, how to make the property’s condition market ready, the suggested list price, request a marketing and PR activity summary for your listing. To help with that, I have compiled the following. Your REALTOR®’s Marketing Plan should include 3 very important facets:

1. Expose your property and highlight all benefits to buyers and REALTOR®s in your area interested in your price point.

2. Provide exceptional service through communication and follow-up during your entire listing period.

3. Negotiate on your behalf and bring your transaction to a smooth and successful closing.

The 2008 National Association of REALTOR®’s Profile of Home Buyers and Sellers reports that ‘buyers used a variety of resources in searching for a home: 87 percent used the Internet, 85 percent used a real estate agent, 62 percent yard signs, 48 percent attended open houses and 47 percent looked at print or newspaper ads. Fewer buyers rely on a home book or magazine, home builders, television, billboards and relocation companies. Buyers most commonly start their search process online and then contact a real estate agent.’ (Excerpt)

Savvy home buyers are not picking up days and weeks old marketing materials (print ads have deadlines for materials from weeks to months out) to find their next home.  Your agent should be skilled with all aspects of online and social utility marketing.

Promoting Your Property

The beginning of a listing period is work-intensive with a common list of activities required to prepare your listing for launch to the public. Your REALTOR®’s Twelve Month Marketing Plan Should Include:

Week One

 • Immediate processing of required documentation and professional quality digital photos should be taken so that no time is lost in getting your home into the local MLS system and distributed to every REALTOR® in the area.

• Color brochures should be designed and delivered to your home and strategic sites throughout the community containing all the pertinent information a potential buyer will need to develop interest and make an offer.

• Instructions on showings should be submitted to a centralized showing service and a lockbox installed to facilitate showings.

• Install a For Sale sign, when allowed, which includes your REALTOR®’s contact information. This allows buyers to call him or her directly – he or she is most familiar with your home.

• “Just Listed” postcards should be mailed out to your surrounding area. This allows your neighbors to be aware that your home is for sale so they can help sell the house and choose their new neighbor.

• Your property should be exposed to relocating companies through a national RELO Division, an extensive network of top REALTORS®.

• Your property’s full description and accompanying photos should be uploaded to several hundred of the top regional, national, and internation real estate sites.

Immediately Following Showings

• Follow up feedback exposing a potentially negative ongoing problem should immediately be communicated to you for resolution.

Bi-Monthly

• Bi-Monthly contact should be made with you to discuss the market and to summarize follow up feedback on all showings keeps you abreast of your position in the market.

• Keep you informed of all marketing and advertising efforts.

Monthly

• Email monthly market updates to keep you up-to-date on the local activity of your neighborhood and like properties.

• Monthly refresh copy and photographs shown online to keep listing fresh.

• Blog with photos your listing information with invitation to make an appointment to tour.

• Arrange print advertising as appropriate.

Regularly

• Arrange regular events such as Open Houses and other similar events to targeted audiences who are your buyer or your buyer’s agent who can keep the ‘word of mouth’ buzz going. Announce the listing to local or move-up buyers such as high profile CEO’s, CFO’s, etc., website registrants, and buyer walk-in traffic from personal visits to similar home communities who may be interested in a property such as yours and regularly (every 1 – 2 weeks, as appropriate) send them updated information about the listing or related information about lifestyle, neighborhood, or schools, as appropriate.

• Email, Blog, Twitter, and Facebook all activities with teasers and invitations to strategic audiences.

FROM CONTRACT TO CLOSE:

Your REALTOR®’s goal is to pave and negotiate the road to a smooth closing through:

Monitoring closely all lender and escrow activities to ensure a successful closing.

Assuring that all inspections and repairs are completed.

Concentrating on and creating solutions, not problems.

Representing your best interests at all times and in all negotiations.

Accompanying you to the closing.

 As an informed seller, your partnership with your agent, like any personal or professional relationship, should be based on trust.  If you develop questions, don’t hesitate to ask your broker, and call immediately if a problem arises. Step back and evaluate when problems arise and always remember, WHY people do things is more important than what they do. 

If you encounter problems with your agent during the listing period, such as lack of knowledge, professionalism, or rudeness, document all your concerns and speak with the agent before contacting the agent’s broker-in-charge.  Your local real estate commission will not allow the release of an exclusive listing agreement without obvious and just cause. 

Good luck with your sale!

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Chrystal Safari’s job? she gives great advice! She is a full-time real estate broker with Peters & Associates, a boutique firm in Charlotte, North Carolina, specializing in luxury homes from $700,000 and up, and is a MASTERS Designee specializing in New Construction, Finance, Marketing, Objection Handling, Relocation, and Technology. Visit ChrystalSafari.com for more information on luxury real estate, and Mark it your new Favorite!

Can pending home sales in the Northeastern U. S. impact our market?

 

Tuesday, June 2, 2009, 11:00am EDT  |  Modified: Tuesday, June 2, 2009, 5:30pm                     

Lower prices and attractive mortgage rates are breathing new life into housing, with one measure of sales posting its fourth increase in the last five months reports the Washington Business Journal’s staff reporter Jeff Clabaugh.

Pending sales of existing homes, or contracts signed but not closed, rose 6.7 percent in April, according to the National Association of Realtors. April’s pending sales were up 3.2 percent from a year ago, the NAR says.

The biggest increase in April was in the Northeast, where pending sales jumped 32.6 percent from the previous month. 

This is great news for our real estate market because many of the folks who have already relocated to the Charlotte area from the Northeast areas where pending sales bring promise of closure are renting and will soon be free to move forward in the purchase of their Charlotte home, added Chrystal Safari of Peters & Associates, Inc.

The NAR’s pending home sales index is a forward looking gauge, and the group cautions that it is more volatile than actual closed sales.

“The relationship between contracts on pending home sales and closings on existing home sales is taking longer than in the past for several reasons,” says NAR chief economist Lawrence Yun. “Mortgage processing time has increased, it is taking many months to close on those homes requiring short sales with lender approval, and some sales are falling through at the last moment.”

Still, Yun says he believes the housing market has already bottomed out in some areas.

The group last week reported closed sales of existing homes rose 2.9 percent in April.

The NAR’s housing affordability index was also at its second-highest level on record in April.

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Chrystal Safari has over 15 years experience in personal property management and residential real estate sales and is a Luxury Home Specialist and licensed REALTOR® in North and South Carolina.  As a MASTERS Designation holder, she is a specialist in New Construction, Finance, Marketing, Objection Handling, Relocation, Technology, and is a multi-million dollar producer.  Chrystal is a member in good standing of the Charlotte Regional Association of REALTORS®, North Carolina Association of REALTORS®, and National Association of REALTORS®.

Your Rich Uncle Sam Wants to Give You $8,000!*

IRS.Gov reports that for 2009 owner occupant home purchases, the American Recovery and Reinvestment Act of 2009 expanded the first-time homebuyer credit by increasing the credit amount to $8,000 for purchases made in 2009 before Dec. 1, 2009.

A first-time home buyer is one who has not owned a home in the last three years.

*For home purchased in 2009, the credit does not have to be paid back unless the home ceases to be the taxpayer’s main residence within a three-year period following the purchase.

First-time homebuyers who purchase a home in 2009 can claim the credit on either a 2008 tax return, due April 15, 2009, or a 2009 tax return, due April 15, 2010. The credit may not be claimed before the closing date. But, if the closing occurs after April 15, 2009, a taxpayer can still claim it on a 2008 tax return by requesting an extension of time to file or by filing an amended return. News release 2009-27 has more information on these options.

 The IRS reminds taxpayers the amount of the credit begins to phase out for taxpayers whose modified adjusted gross income is more than $75,000, or $150,000 for joint filers. Taxpayers can claim 10 percent of the purchase price up to $8,000, or $4,000 for married individuals filing separately.

For more information on the tax credit, visit here: http://www.irs.gov/newsroom/article/0,,id=204671,00.html

For more information on property listings that meet your real estate needs, call me at 704.562.1030.  I’ll get an idea of your big picture and send emailed property listings that meet your criteria and introduce you to a lending officer who can guide you through pre-qulaifying and credit repair, if needed. 

Rates are low, list prices are low, and inventory is high.  It’s a great time to buy low for future increased home equity when the market recovers.

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A Charlotte area native, and licensed in NC & SC, Chrystal is very experienced with international relocation, home buying and selling and with rental portfolio development and holds MASTERS Designation specializing in New Construction, Finance, Marketing, Objection Handling, Relocation, and Technology and is a member in good standing with Charlotte Regional Association of REALTORS®, North Carolina Association of REALTORS® and National Association of REALTORS®

N.C. foreclosures fall 42% in 1Q

Thursday, April 16, 2009, 9:48am EDT

According to data from RealtyTrac Inc., the state had 5,988 foreclosures in the latest quarter, with one in every 689 homeowners receiving a default notice, auction-sale notice or bank-repossession filing.  North Carolina ranked 36th in the nation for foreclosure filings in the latest quarter.  Nevada, Arizona and California posted the top foreclosure rates.  Foreclosure filings in North Carolina fell 40 percent in March from the same period last year. Filings were down 3 percent last month from February. 

Across the country, foreclosure filings rose 24 percent in the first quarter from a year ago. There were 803,489 foreclosure filings, which affected one in every 159 U.S. households. Filings rose 46 percent in March from a year ago and 17 percent from February. Irvine, Calif.-based RealtyTrac tracks default notices, auction-sale notices and bank repossessions.

Its figures exceed those compiled by the N.C. Commissioner of Banks. The company counts every foreclosure filing, including multiple filings for a single household, while the commissioner counts each household only once, regardless of the number of filings it receives.

Rates are low, listings high, prices slashed.  Now is the time to make your move to buy low and sell high, when the market recovers.  Call me to discuss your big picture and for a full listing of foreclosed homes that meet your criteria.  704.562.1030/800.243.6670 x 110

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Living, playing, and working in south Charlotte for over 27 years, and with over 14 years experience in the real estate field as an investor and Luxury Home Specialist, I have the knowledge, experience and discretion you need to maximize your return on investment whether for your personal home, investment portfolio, or small business property.  Contact me at Chrystal.Safari@gmail.com