When you are buying or selling property in today's real estate market, it's important to have confidence in your real estate professional. My commitment as your local REALTOR is to provide you with the specialized real estate service you deserve.
When you are an informed buyer or seller, you'll make the best decisions for the most important purchase or sale in your lifetime. That's why my goal is to keep you informed on trends in the marketplace using the latest statistics in your local area. With property values now on the rise, and interest rates at a historic low, you really need to be considering the local market as an investment.
As a local area expert with knowledge of the communities, my objective is to work diligently to assist you in meeting your Carteret County real estate goals.
If you are considering buying or selling a home or would just like to have additional information about real estate in your area, please don't hesitate to call or e-mail me.
Again,Thank you for visiting my website. Please consider it as your online source for local real estate information, and return often for the latest property listing updates !
Remember,Whether you are a first time buyer or an experienced investor, you will find useful information about how to choose the "right" property, making an offer, negotiating, financing, mortgage rates, moving, and everything involved in making an informed real estate decision in today market...
Bookmark this website & visit often as there is always updated useful,
local information being added !
Consider Michele Your "Coastal Carolina Connection" !
Overview of Making an Offer to Purchase in NC
Understanding the Buying Process once you find the right property with Michele:
Every state seems to have a different purchase process.
This is generally how it is done in North Carolina using a
Make an Offer:
When you find the right home, the next step is to make an offer.Michele's experience plays a critical role in this process and she will advise you if the asking price of the home is acceptable, given current market conditions. Knowledge of the market and expertise is invaluable during the negotiations.She will do a competitive market analysis, to make sure the home price is right. When you arrive at the offer amount,Michele will write a purchase agreement. Your purchase agreement includes any conditions that need to be satisfied including inspections and loan qualifications. We set this with a due diligence date. At this time, you will be asked for a check for "earnest" money, which will go to toward your down payment at closing. This amount, set by the seller, may be non-refundable if the contract falls through. There is also an option for a due diligence fee which is directly paid to seller for such period . Both will be reviewed and discussed with Michele upon writing offer to seller.
Upon acceptance of offer ( once all terms up front are negotiated) the Due Diligence starts and we follow guidelines noted below:
Order an Inspection:
When an offer is accepted, we will order inspections. Typical: Mechanical, structural, wood destroying insects, septic and well .Any conditions that have been placed on the agreement must be satisfied and removed. An inspection may reveal repair items that may be another condition of the offer.
* also-the Environmental Protection Agency has a pamphlet for homes built prior to 1978.
The other link below also is great information for septic care.
Lead based Paint Disclosure
Septic Tank Info & Care
Notify Loan Officer to Begin Appraisal, Lock-In Interest Rate &
Send Good Faith Estimate:
After the offer has been accepted, your loan officer must begin the processing of your loan.They will take your application and verify your sources of funds and other informationorders an appraisal on the property andprepares a good faith estimate that indicates how much money you will need to bring to closing. This is also when you can lock-in your interest rate.
Have a homeowners insurance policy in place prior to closing.
Very critical especially in the beach areas but please note that all of Carteret County is in the wind and hail zone.
Your Insurance agent will advise you on the policy necessary . If obtaining a loan the lender will need proof of coverage as a condition of loan approval.
Some properties will also need a flood insurance policy. Carteret County Flood Info
NC Division of Coastal management
Notify Your Phone, Utilities and Other Service Providers of Your Move-In Date:
The seller will ask all utilities for a final reading the day of closing. Those bills forward to the sellers new address.
You must request all utilities reconnected in your namefor this property
beginning the day of closing. This allows for an uninterrupted service.
This should be done at least a week prior to the scheduled closing date.
For Local Utilities click here
Change your Address Online here
NCDMV Link here
Go to Closing:
In North Carolina we don't normally use an Escrow or Title company for
the closing, we use an attorney. Your real estate agent, Michele will help you
select a closing attorney. At the closing, he/she will represent you and help explain
all of the settlement statements and individual charges and fees and assure all your contract conditions have been met. You must bring a certified check for your down payment and closing costs. When all of the settlement papers have been signed and when the deed is recorded in the court house, you will be given the keys to your new home!
Buyers Closing Checklist:
A certified check made payable to your attorneys trust account, for the amount specified by your attorney (if applicable) Your personal checkbook in the unlikely event other charges come up at closing Your new homeowners' insurance binder with receipt of one years' payment Your lender'sgood faith estimate
Make Your Move!
Through our Coldwell Banker Concierge program and our many local contacts, we can
assist you with all of your move-related needs including moving van lines, boxes, home warranty, security, locksmith and more. We reduce time and stress my recommending trusted companies who provide great service and value.
Michele will make your move simple! Congratulations on the purchase of your new home!
"Everyday there is an opportunity to learn." Michele adds, "Experience is definitely the best teacher, and 16 years in real estate has taught me that paying attention to even the smallest detail helps maintain a stress-free transaction for both Buyer and Seller."
Give me a call~ 252 342-7066~ and let me know you're coming to town !
Michele proudly affiliates her Real Estate Business
with the Highly trusted and Recognized name in Real Estate,
Coldwell Banker --a name you can trust !
CB First Realty- Carteret County
and CB Coastal Rivers Realty- Pitt County
Selling the Cystal Coast
Atlantic Beach Homes
Morehead City Homes
Indian Beach Homes
Pine Knoll Shores Homes
Emerald Isle Homes
Down East Homes
and Information on New Developments on the
North Carolina Agency and how it works:
NC Agency Disclosure Link
A sellers representative (also known as a listing agent or sellers
agent) is hired by and represents the best interests of the seller. The relationship usually is created by a listing contract.
This type of licensee (also known as a buyers agent) is hired by prospective buyers to represent them in a real estate transaction. The buyers rep works in the buyers best interest throughout the transaction. The buyers can pay the licensee directly through a negotiated fee, or the buyers rep may be paid by the seller or by a commission split with the listing broker.
** Michele has additional accreditation as an Accredited Buyers Representative (ABR)
Disclosed dual agent.
Dual agency is a relationship in which the brokerage represents both the buyer and the seller in the same real estate transaction. Dual agents typically owe limited duties to each of the parties. Because of the potential for conflicts of interest in a dual-agency relationship, its vital that all parties give their informed consent. In many states, this consent must be in writing. Disclosed dual agency, in which both the buyer and the seller consent to the brokerage representing both of them, is legal in most states
Designated agent. This is a brokerage practice that allows the managing broker to designate which licensee in the brokerage will act as a representative of the sellers and which will act as a representative of the buyers in a transaction in which the brokerage is representing both. Designated agency avoids the problem of dual agency. The designated agents give their respective clients full representation. The broker has the responsibility of supervising both licensees.
As a side note- buying a
"For Sale By Owner"
is often a "Buyer Beware"situation
By state law they are required to fill out a NC residential Property Disclosure but they are very limited in knowledge of the many other facets of Real Estate and RE law. Don't learn the hard way by paying too much or learning of material facts that were never disclosed until it is too late. If buying a home that is "FSBO" you can still ask the seller to let your
represent YOU and negotiate for you. Most FSBO sellers are agreeable to paying the buyers agent commission because they do not know the steps beyond showing the property and rely on that agent to keeping the deal together and on track for a smooth closing
Michele Connors, Broker Realtor
Coldwell Banker First Realty
Coldwell Banker Coastal Rivers Realty
252 342 7066 cell
Brokers License, N.C. 213723
Accredited Buyers Agent
Certified New Homes Specialist
Cartus Certified Agent:
*Cartus Relocation Agent for Marketing, Listing Inventory and Referrals
* includes Navy Federal and USAA programs
National Assn. of Realtors
NC Assn. of Realtors
Carteret County /Crystal Coast Assn Realtors & MLS
Pitt County /Pitt-Greenville Assn Realtors & MLS
"We make a living by what we get. We make a life by what we give."
Attention Home Owners :
I want to sell your property! I am always looking for new listings and would love to do a free market analysis on your home and discuss my marketing strategy with you...it is more than putting a sign in the yard~ It is my job and I take it seriously!
I promise to provide you the best service and that comes from the many years of experience and extended training to stay on top of the "game".
You will work directly with me as your Realtor...whether you are selling, buying or building from scratch...
my priorities are simple...They are YOURS !
A personal "Thank You " to every client I have had the opportunity to work with.
You are the reason I love my job!
If you have friends, family or neighbors/ co-workers that are thinking
of selling or buying, I'd love to know!
A NAME YOU CAN TRUST
Making a Corporate/ Company Transfer ?
Ask Michele about her extensive Relocation Training and Certification with
Cartus Broker Network:
Upon completion Michele was awarded accreditation for each field offering the advantage of proven expertise and Cartus resources in serving clients at the highest professional level.
Let Michele handle your next Corporate move!
** USAA and Navy Federal Programs are under this network
Michele Connors, Broker in Charge
Coldwell Banker First Realty
Coldwell Banker Coastal Rivers Realty
Michele DIRECT 252 342 7066
SELLING ALL OF CARTERET COUNTY & PITT COUNTY , N.C.
REAL ESTATE INTERNET WARNING
Despite advertising claims to the contrary, the internet is NOT an experienced Real Estate Professional.
It cannot consult, counsel, advise, have knowledge of local laws and market conditions, make judgments,
"own" the result, or most importantly, understand your individual goals and needs and care about you
as a Client.
Furthermore, data by itself can be very misleading....
To obtain an accurate interpretation of any information you're receiving from internet "surfing"
please contact :