Relocating to Charlotte North Carolina?

Complimentary Charlotte DVD

Email; Rich@RichFerretti.com

About The Author

His testimonials speak volumes about his work ethic.

Rich Ferretti is a Charlotte NC Residential Real Estate Professional that can assist you with the purchase and/or sale of real estate in Charlotte, North Carolina and surrounding areas, from bank owned homes to new construction to waterfront property, and everything in between.

• Rich Ferretti is a Relocation Specialist that has created a network of real estate professionals throughout the country in an effort to assist people relocating to Charlotte NC.
• Rich Ferretti is a professional and expert in the field of relocation and can serve many purposes beyond a simple home search.
• In addition to being a Relocation Specialist, Rich also holds the designations of Broker, Accredited Buyer Representative (ABR), and e-PRO and is licensed in North Carolina, South Carolina and New Jersey.

If you are considering Homes for Sale in Charlotte NC, Rich can help!

Please visit www.RichFerretti.com for your Real Estate Needs.

Rich Ferretti – Broker/Realtor - 704-564-0807 – Rich@RichFerretti.com

The Importance of Pre-Approval-The Mortgage Process

Subject: The Importance of Pre-approval

Pre-approval can be a very valuable step towards purchasing a home. Many home buyers get pre-qualified for a home loan early on, and then become pre-approved before beginning a serious home search. By completing your mortgage application prior to choosing a home, you can get a pre-approval letter stating how much home you can afford.

• Your pre-approval letter lets you know exactly how much you can spend, and it shows home sellers and real estate agents that you’re serious about buying a home.
• This may give you leverage in the negotiation process.
• Many sellers actually prefer to work with pre-approved buyers, especially in hot real estate markets.

To find a mortgage professional and get started with your pre-approval for a loan, please call or email me. My goal is to provide you with practical information as you consider your next move, and I look forward to working with you.

                     Complimentary Charlotte DVD

Email; Rich@RichFerretti.com

About Rich Ferretti

His testimonials speak volumes about his work ethic.

Rich Ferretti is a Charlotte NC Residential Real Estate Professional that can assist you with the purchase and/or sale of real estate in Charlotte, North Carolina and surrounding areas, from bank owned homes to new construction to waterfront property, and everything in between. Rich is a Relocation Specialist that has created a network of real estate professionals throughout the country in an effort to assist people relocating to Charlotte NC. This professional is an expert in the field of relocation and can serve many purposes beyond a simple home search. In addition to being a Relocation Specialist, Rich also holds the designations of Broker, Accredited Buyer Representative (ABR), and e-PRO.

If you are considering Homes for Sale in Charlotte NC, Rich can help!

Please visit www.RichFerretti.com for your Real Estate Needs.

Rich Ferretti – Broker/Realtor - 704-564-0807 – Rich@RichFerretti.com

Mint Hill NC ~ Hidden Hills Subdivision

Just Listed Home in HIGHLY DESIRABLE area of Mint Hill North Carolina.

This home has all the upgrades!!!!

• Park Like Grounds
• Irrigation System
• Granite Counter
• Wall to Wall, Marble, Tile and Hardwood flooring
• 4 Full bedrooms
• 3 Full Baths
• HUGE Walk in closet
• Master on 1st Floor
• Luxurious Master Bath

 

You've Got to see this home

Call Rich Ferretti, Broker/Realtor

704-564-0807

Mint Hill North Carolina

Mint Hill North Carolina is where I call home. I often refer to Mint Hill as where Mayberry meets the 21st Century.

• Small town feel where I can take my grandkids for some home made ice cream at Carolina Creamery.
• How about our fall festival, Mint Hill Madness!!! Unfortunately, we had some rainy weather this year and had to cancel the Friday night festivities.

However, Saturday morning the parade went off with some lingering showers but everyone young and old enjoyed the parade with various floats, beauty queens and of course the local High School Bands. It's always a crowd favorite and it kicks off Madness.

Saturday night was in full swing with games, rides and Great food. Everyone hung around for the fireworks. The Mint Hill Chamber does a great job with this project and president Tony Long should be commended for his organizational skills to make this one of Mecklenburg County's big events.

Didn't make it this year, mark your calendar for next year or send me an email so I can send you a reminder.

Mint Hill, my home town.

Charlotte NC Market UpDate

Now that the bail out program has been approved, what is going to happen next. Well, I don't think anyone is quite sure yet.

FOX News' Chad Pergram offer's his owner’s manual to the House floor vote Friday on the $700 billion financial bailout bill, an adventure he calls, "Episode IV: A New Hope."

It is a period of civil war.

Rebel Blue Dogs, striking from a fiscal base, have…

Well, it's not quite "Star Wars." But struggle over the financial crisis legislation is just as dramatic. And as episodic in nature.

But here’s what you need to know about how things will unfold in the House on Friday as we try this yet again.

Where are the votes? Click here for full story.

How Much Home Can you Afford?

Subject: How Much Home You Can Afford


First-time buyers are often unsure about the financial aspects of buying a home, and you may have many questions swirling in your head. How much can I afford? Do I need a large down payment?

Your home price range will be determined by your income, credit history, the cash you have for a down payment and closing costs, and your debt. How much you earn compared to how much you owe will likely determine how much the bank allows you to borrow.

The financial rule of thumb is: your total monthly debt service, which will include your monthly mortgage, shouldn’t be more than about 36 percent of your gross monthly income. Most experts say that your monthly housing expense, including taxes and insurance, should not exceed about 28 percent of your gross monthly income.

Naturally, every situation is different, and each lender has different rules about working with buyers. A number of choices within your control can affect your monthly payment as well. For example, you might choose an adjustable rate loan, which has a lower initial payment than a fixed rate program. Similarly, a larger down payment may lower your monthly payment.

If you’d like more information about how much home you can afford, please call or email. I can help you get the mortgage information you need.

Want more information about the Charlotte area real estate market? Check out www.richferretti.com

Achieving Financial Freedom

THE MONEY MERGE ACCOUNT PROGRAM
What would you do if you could build wealth and eliminate debt simultaneously, by putting your money to work for you? Would you take a family vacation? Start a college fund? Invest in real estate?
United First Financial™ can help you achieve your financial goals through the strategic interest cancellation and wealth-building power of the revolutionary Money Merge Account™ program.
You can save time and interest on nearly every debt you have. The key is to make your money work smarter with little impact to your standard of living. The Money Merge Account program calculates the fastest way to pay off your mortgage and consumer debt, and build a substantial savings nest egg based on your specific income, payments, living expenses and financial goals. You never have to guess which loans to pay off first, when to pay or how much extra to send.

Eliminate Your Mortgage The Money Merge Account program pays off mortgages faster using an interest-cancellation strategy. While many homeowners realize that they can save money by reducing the interest rate they pay on their loans, few think about the length of time they will be paying. The Money Merge Account program combines innovative software with traditional banking systems and personal coaching to drastically reduce your mortgage term and minimize your interest.
Put Your Finances on the Fast Track The Money Merge Account program pays off consumer debt using an interest-cancellation strategy similar to that used to pay off a mortgage.
If you have less than $80,000 in debt from no more than 10 total creditors, you may qualify for the Money Merge Account Express program, which is specifically designed to cancel smaller amounts of debt. Stop paying unnecessary interest for months or even years on end. Instead, let the Money Merge Account software calculate the best way to pay off your financial obligations in a fraction of the time!
Increase Equity, Build Assets, Create Wealth The Money Merge Account program goes beyond helping individuals and families achieve success paying down debt—it also makes it possible to accumulate wealth targeted to each client’s personal financial goals. Simply enter your financial goals, whether it’s to pay off a vacation home, fund early retirement or pursue your wildest dream. Enter all the variables: principal, interest rate, term—even cash rewards on credit cards


Using this information, the Money Merge Account program calculates how to pay off debt with some of the fastest payoff results imaginable—and build a substantial savings nest egg.
So Much More Is Possible The Money Merge Account program offers enhanced features that truly take your financial life to a new level:
• Comprehensive budgeting system, fine-tuned to the sensitivity of your goals • Enhanced calculations to pay down debt • Software settings that allow how aggressively to pay down debt & build wealth • Ability to pay down multiple properties at the same time • Text messaging bill pay • User-friendly software interface • Financial education and coaching • Toll-free client support



Want more information about the Charlotte area real estate market? Check out www.richferretti.com