If you’re the owner of a North Carolina home that’s more than 5 years old and you do not presently have a “termite bond” in place, you may be risking infestation by subterranean termites and other wood-boring insects. Wood boring insects destroy more structures in the United States than any other disasters combined. There are several categories of wood destroying organisms. They are, subterranean termites, non-subterranean termites, wood boring beetles, carpenter ants, and carpenter bees.

Carpenter bees resemble large bumblebees. In the east, the carpenter bee is black in color and marked with areas of yellow hair, but the dorsal sides of the abdominal segments have no area of hair. Other species of carpenter bees will be black, green, or purplish in color, and are marked with whitish, yellowish, or reddish hair. They build their nest by boring long tunnels into wood and divide these tunnels into cells, where they leave their eggs and food. Their nest is noticeable by the presence of a 5/8 inch perfect hole (as if someone took a drill and made the hole) along with yellowish droppings near the hole.

Carpenter ants are the largest ants in North America. “Frass” is sawdust-type material that the carpenter ant and other wood boring insects leave behind when making their nests. This sawdust-type material will be mixed with small pieces of ants and other insects and will help in locating the nest.

Wood boring beetles can be very destructive to structures.  They often enter wood when the adult female lays eggs in crevices of the wood. The larvae enter the wood and eat the starch content inside the wood. They grow into adult beetles and burrow out of the wood, leaving behind exit holes. The presence of this exit hole and fine “frass” usually indicates that there is or has been a wood boring beetle infestation.

Subterranean termites are the most common termites in the United States. They live underground and come out of the ground to feed on cellulose material (wood and wood by products). The presence of mud tunnels on your foundation and mud inside the galleries (tunnels chewed away inside the wood) indicate that subterranean termites are present in the home. Subterranean termites use their mud tunnels to keep their work areas temperature and humidity controlled.

Contact a licensed exterminator to arrange an inspection of your property to determine what action is needed to protect your home from potentially expensive insect damage. If you need a referral of a qualified inspector call me. I can help.

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Colin A. Moody REALTOR®, Broker, RCA, CREN

P.S. Over 80% of my business is accomplished through my personal relationships with people like you. If you do not presently have a real estate professional in mind that you would refer, I would love to be that person. I promise to provide anyone you send me with excellent service before, during, and after the sale.

Relocation Certified Agents (RCA)

Certified Real Estate Negotiator (CREN)

Gold Executive Council

FONVILLE MORISEY REALTY

A LONG & FOSTER COMPANY

cmoody@fmrealty.com

Phone: 919-491-0739

Efax:     919-595-0508

CHAPEL HILL REAL ESTATE CARY REAL ESTATE    DURHAM REAL ESTATE    RALEIGH REAL ESTATE

We’ve all heard or seen the ad’s on radio, TV or in print media that encourage you to call for “FREE FORECLOSURE LISTINGS” or visit a certain web-site to sign up to see foreclosure and short sale homes in your area. Often when you call the provided number or visit the website listed you must provide a credit card number in order to access the properties, or the information provided is incomplete and missing key bits of data like the address or zip code of the properties listed. If you decide to take the plunge and provide your credit card info you may be able to access a list of homes, but often the information provided is outdated and many or the properties listed have been sold and not presently available for purchase. You’re next encouraged to sign up for regular updates of new foreclosure properties as they become available and your credit card will be billed monthly to receive these “free” listings.

Many of these ads are just slick marketing campaigns designed to make money by selling lists which are readily available if you know where to look.

Are you interested in finding great foreclosure and short sale deals in the Chapel Hill, Durham, Cary, Raleigh and greater Triangle North Carolina area..I will provide this info free of charge..My only requirement is that you provide a valid email address and telephone number in order to deliver this info to your inbox as soon as these listings become available.

Since banks pay me to bring them offers on their foreclosed and short sale properties, I have a vested interest in providing this info and my goal is simple. I hope to build a relationship with qualified buyers so that when a property comes up on their list that meets their criteria they’ll contact me to further investigate the property and set up a showing to view the listing.

If you’d like to receive truly free foreclosure and short sale information including pictures when available, call or email me directly…I can help.

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Colin A. Moody REALTOR®, Broker, RCA, CREN

P.S. Over 80% of my business is accomplished through my personal relationships with people like you. If you do not presently have a real estate professional in mind that you would refer, I would love to be that person. I promise to provide anyone you send me with excellent service before, during, and after the sale.

Relocation Certified Agents (RCA)

Certified Real Estate Negotiator (CREN)

Gold Executive Council

FONVILLE MORISEY REALTY

A LONG & FOSTER COMPANY

cmoody@fmrealty.com

Phone: 919-491-0739

Efax:     919-595-0508

CHAPEL HILL REAL ESTATE CARY REAL ESTATE    DURHAM REAL ESTATE    RALEIGH REAL ESTATE

In today’s competitive real estate environment first impressions are everything. If you’re a homeowner who is considering or needs to sell your home, look at it as if you were seeing it for the first time and be as critical as a potential buyer.  Open up space, closets and storage as much as possible because openness creates a positive impression with buyers.  Repair what strikes you as the least bit shoddy.  Check out the competition, visit open houses or builder models in your area to see how they are being presented. Your ideal goal is to show the property in “move-in condition” – without a thing to fix.  From experience we know that property in poor condition incites low offers and take longer to sell.

Exterior

·   Paint the front door and railings, this is the first impression formed by a buyer, and you want it to be the best.

·   Paint siding, windows, shutters, even the mailbox and post if needed.

·   Generally, improve your home’s “curb appeal” by adding fresh mulch and flowering potted plants, cutting and edging the lawn and trimming the shrubs.

·   Power wash the walkways, driveways, decks and exterior of the house.

·   Replace stray, warped, or broken roofing shingles.

·   Check under the house… don’t be caught unaware of mold, torn barriers, standing water or defective crawl space vents. If you don’t have a termite bond in place contact an exterminator to inspect for wood boring insects.

·   Replace a worn doorbell button.  Polish any door brass and exterior lights or replace them.

·   Remove screens from the windows on the front side of the house so they will sparkle.

Indoors

·   Clean the kitchen, including oven, exhaust hood, appliances, and inside of dishwasher.  Remove clutter from counters and cabinets.

·   Few thing increase marketability and give you a better cost return than new paint.

·   Touch up any worn or soiled walls.  You may want to repaint to a lighter color if you have dark colors on your walls.

·   Polish wood floors and stairs and steam clean or replace worn carpeting.

·   Repair dripping faucets, crooked drawers, sticking doors.  Tighten the hardware, especially doorknobs.

·   Repair or replace worn appliances.

·   Clean windows inside and out.

·   Scrub counters bathroom fixtures and tiles.

·   Have your heating and air conditioning units serviced, and be sure to replace the air filters and clean the vents as dirty filters can signal a poorly maintained HVAC system.

·   Minor flaws in your home suggest neglect and deferred maintenance. When the things that a buyer can see have been taken care of, it usually indicates that the things that they can’t see have been maintained.

·   The ideal garage holds only cars.  If yours has become a two-car attic, throw out the excess and organize the rest.

Depending on the age and condition of your property there may be additional items that need attention or updating. Consider contacting a licensed home inspector to look over your home prior to putting it on the market. It’s much better to know what’s going on with your property before the buyer’s home inspector uncovers issues that you may be unaware of.

If you’re ready to sell your home in the Chapel Hill, Durham, Cary or Raleigh area, contact me. I can help

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Colin A. Moody REALTOR®, Broker, RCA, CREN

P.S. Over 80% of my business is accomplished through my personal relationships with people like you. If you do not presently have a real estate professional in mind that you would refer, I would love to be that person. I promise to provide anyone you send me with excellent service before, during, and after the sale.

Relocation Certified Agents (RCA)

Certified Real Estate Negotiator (CREN)

Gold Executive Council

FONVILLE MORISEY REALTY

A LONG & FOSTER COMPANY

cmoody@fmrealty.com

Phone: 919-491-0739

Efax:     919-595-0508

CHAPEL HILL REAL ESTATE CARY REAL ESTATE    DURHAM REAL ESTATE    RALEIGH REAL ESTATE

This typically requires at least one month to complete so the sooner the process begins, the sooner the property can be sold. In the event that site conditions prevent the complete removal of contaminated soils.  A Notice of Residual Petroleum must be filed with the applicable county register of deeds office prior to conveyance of the property. This Notice will remain on the Deed and be visible to the next purchaser of the property.

If a tank has been previously removed from the property but no assessment of possible soil contamination has been performed, then a liability for cleanup of soil contamination may exist on the property and the new owner may be wholly or partly responsible for its cleanup. Likewise, if a tank is said to have been abandoned by filling with sand, foam etc., and there is little or no documentation of the work that was done then you should assume that a liability for contamination might still exist on the property.

Leakage from above ground storage tanks must also be dealt with by the property owner or responsible party, as defined under NC State Regulations. Leakage from an above ground tank can also pose serious difficulty in complying with State cleanup and assessment standards.

Attention to the environmental issues relating to past heating oil use and its potential impacts to a property can save you from becoming liable for a mandatory and expensive cleanup.

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Chapel Hill, Durham & Raleigh area Real Estate on Facebook

Colin A. Moody REALTOR®, Broker, RCA, CREN

P.S. Over 80% of my business is accomplished through my personal relationships with people like you. If you do not presently have a real estate professional in mind that you would refer, I would love to be that person. I promise to provide anyone you send me with excellent service before, during, and after the sale.

Relocation Certified Agents (RCA)

Certified Real Estate Negotiator (CREN)

Gold Executive Council

FONVILLE MORISEY REALTY

A LONG & FOSTER COMPANY

cmoody@fmrealty.com

Phone: 919-491-0739

Efax:     919-595-0508

Water quality is probably the most common concern and the one most often tested for. Typically, a basic water quality test will check pH, water hardness, the presence of fluoride, sodium, iron and manganese, plus bacteria such as E-coli. Additionally, water may be tested for the presence of lead or arsenic.

In homes built before 1978, lead based paint may be present. Generally, if the lead based paint is in good condition, not cracking or peeling, it is not a hazard. If the condition is hazardous, the paint will either need to be removed or sealed in such a manner as to eliminate the hazard.

Another common environmental concern with the home is radon. Radon is a radioactive gas that comes from the natural decay of uranium in the soil. Pretty much all homes have some radon present, tests can determine if the level present is higher than what is considered safe. If the level is too high, a radon reduction system will need to be installed.

In older homes built more than 30 years ago, asbestos was used in many types of insulation and other building materials. If the asbestos is releasing fibers into the air, it needs to be removed or repaired by a professional contractor specializing in asbestos cleanup. But, if the asbestos material is in good repair, and not releasing fibers, it poses no hazard and can be left alone.

Navigating through the home buying and selling process can be daunting, given the large number of potential issues that could come up. Contact me today. I’ll make sure your home buying or selling process is smooth and without remorse.

CHAPEL HILL REAL ESTATE CARY REAL ESTATE    DURHAM REAL ESTATE    RALEIGH REAL ESTATE

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Chapel Hill, Durham & Raleigh area Real Estate on Facebook

Colin A. Moody REALTOR®, Broker, RCA, CREN

P.S. Over 80% of my business is accomplished through my personal relationships with people like you. If you do not presently have a real estate professional in mind that you would refer, I would love to be that person. I promise to provide anyone you send me with excellent service before, during, and after the sale.

Relocation Certified Agents (RCA)

Certified Real Estate Negotiator (CREN)

Gold Executive Council

FONVILLE MORISEY REALTY

A LONG & FOSTER COMPANY

cmoody@fmrealty.com

Phone: 919-491-0739

Efax:     919-595-0508

Tax Credits for Solar Water Heaters

A federal tax credit makes energy-efficient solar water heaters a more affordable and sustainable option for many homeowners. Read

Tax Credits for Replacing Heating and Cooling Systems

Upgrading to an energy-efficient heating and cooling system can save hundreds on your utility bills and earn you a tax credit worth as much as $1,500. Read

Tax Credits for Replacing Your Roof

Replacing your roof with a qualifying energy-efficient metal or asphalt roof can cut your cooling bill and earn you a $1,500 tax credit. Read

Tax Credits for Adding or Replacing Insulation

A federal tax credit makes adding insulation an even cheaper way to improve your home’s energy efficiency and cut your heating and cooling bills. Read

Tax Credits for Replacing Windows, Doors, and Skylights

If money seems to be escaping through drafty windows, doors, and skylights, this federal tax credit might make energy-efficient replacements more affordable. Read

Visit houselogic.com for more articles like this.

Copyright 2010 NATIONAL ASSOCIATION OF REALTORS

CHAPEL HILL REAL ESTATE CARY REAL ESTATE    DURHAM REAL ESTATE    RALEIGH REAL ESTATE

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Colin A. Moody REALTOR®, Broker, RCA, CREN

P.S. Over 80% of my business is accomplished through my personal relationships with people like you. If you do not presently have a real estate professional in mind that you would refer, I would love to be that person. I promise to provide anyone you send me with excellent service before, during, and after the sale.

Relocation Certified Agents (RCA)

Certified Real Estate Negotiator (CREN)

Gold Executive Council

FONVILLE MORISEY REALTY

A LONG & FOSTER COMPANY

cmoody@fmrealty.com

Phone: 919-491-0739

Efax:     919-595-0508

Understanding Closing Costs

There are certain standard costs associated with closing on the purchase of a new home. These costs are typically divided up between the buyer and the seller as spelled out in the sales contract.  We will assist you in negotiating these terms working diligently to not only get the sales price you want, but also to limit the amount of these closing costs for which you will be responsible.  We will also work closely with your mortgage professional to make sure the terms of the sales contract, and the costs you will pay, fit in with your specific financial goals and objectives and the mortgage plan you have chosen.

Once your Mortgage Consultant has discussed with you the appropriate mortgage plan and strategy to buy your new home, they will provide you with a written estimate of the costs you will likely incur, and an estimate of the total amount of cash you will need to buy your new home.  Keep in mind, this is an estimate.  Prior to your closing date, the attorney responsible for the closing of your home will prepare the final “HUD1 Settlement Statement” which will itemize the exact costs that you will incur at closing.

The Good Faith Estimate

By law, lenders are required to provide you with the Good Faith Estimate of Closing Costs within 3 days after formal loan application.  The estimate is based on certain known standard fees and costs as well as the Mortgage Consultant’s past experience.  The estimate will likely not include all costs because it is virtually impossible to know every single expense associated with the purchase.  Each property and circumstance is unique.  A skilled mortgage consultant, however, should be able to provide a reasonable estimate that is pretty close to the actual final total.

It is important to understand the nature of closing costs so that you can make an informed comparison as you shop around with various lenders.  Costs on the Good Faith Estimate are broken down into 3 general areas as follows:

Lender Specific Fees (sometimes referred to as…)

• Loan Origination Fee
• Discount Points
• Application Fee (sometimes covers the cost of other fees)
• Underwriting Fee
• Processing Fee
• Broker Fee
• Commitment Fee
• Tax Service Fee
• Flood Zone Cert Fee 
• Appraisal Fee
• Credit Report

These Lender Specific Fees may sometimes be described in other terms as well.  They are fees charged by the lender in connection with obtaining the mortgage loan.  These are the only fees that have the potential to be different between each lender.

Vendor Related Fees

• Attorney Closing
• Title Insurance
• Recording Fees
• Survey
• Termite Inspections
• Home Inspection
• Courier or Overnight Delivery Fees
• Home Warranty

These are fees that you pay to someone to render some sort of service to you in connection with the purchase, and this list is only a sample of some of the types of services and costs you may incur.  These fees have nothing to do with the mortgage lender.

Prepaid Expenses/Escrows

• Prepaid Interest
• 1st Year Homeowners Insurance Premium
• Escrows for Real Estate Taxes
• Escrows for Homeowners Insurance and/or Flood Insurance
• Prorations of Homeowners and/or Condo Dues
• Proration of any assessments

You are typically required to fund an escrow account at closing for the lender to begin collecting taxes and insurance for you so they can pay these costs for you annually.  You also must pay interest from the day of closing until the end of the month in which you close (prepaid interest).  You may also have to prorate some fees between you and the seller.  Again these fees will not vary between lenders.

When you add these three categories together, you have the total amount of costs related to buying the new home with a new mortgage.  The problem for most borrowers with comparing costs between lenders is they focus solely on the total, bottom line cost number.  This is not the appropriate comparison to make, however, and the problem has to do with the nature of the details of Good Faith Estimates.

Of the three categories of costs, Lender Fees, Vendor Related Fees, and Prepaid Expenses/Escrows, only Lender Fees will potentially vary in amount between each lender.  The other two categories, Vendor Related Fees, and Prepaid Expenses/Escrows will ultimately be the exact same cost at closing even though each lender will likely estimate the numbers differently.  It is also easy to manipulate these numbers, so it is important that you work with a mortgage professional who will provide you with reasonable numbers–even perhaps an estimate that is “padded” a little bit so you don’t have a bad surprise at closing.

So, how do you truly compare cost estimates and loan programs between lenders?  It’s easily confused but actually fairly simple.

You simply make sure that you compare only the Lender Specific Fees for each lender along with the basic interest rate for the same program and loan product for the same “lock period”.  The lock period is the time between the day your interest rate has been locked in and guaranteed up to and including at least the day of your closing or beyond.  Other factors are important of course.  Rates and Fees are only some.

What Information will be needed for the Loan application.

For all loans

Social Security Number, for borrower and co-borrower if any

Employment History
For the last two years, employment dates, addresses, salary.
Current pay stubs or W-2 forms.

Check and Savings Accounts and Certificates of Deposit
Location of bank accounts, account numbers and balances;
Address of bank if out of town
Last 3 months’ statements

Stocks, Bonds, and Investment Accounts
Broker’s name and address, description of stocks, bonds, etc.
Last 3 months’ statements or copies of stock certificates

Life Insurance Policies
Insurance company, policy number, face amount, cash value, if any

Retirement Plan
Approximate vested interest value
Copy of latest statement

Liabilities and Other Non-Mortgage Debt
Creditors names, addresses, account numbers
Monthly payments and balances

Other income information you may need

If you’re self-employed
Two years tax returns, profit and loss statements, both company and personal if separate.
Current balance sheet and profit and loss statement if more than two months into the new fiscal year, signed by CPA.

If you have income from:

Commission
Overtime
Bonus
Partnership
Rental Property
Trust
Notes Receivable
Interest/Dividends
You’ll need two years’ personal federal tax returns

If employed in family business

Personal federal income tax returns and all schedules for the past two years

If divorced or separated

Complete executed divorce decree and settlement agreement
Payment history of alimony/child support over the past 12 months, if it is a financial obligation.
If you choose to have this be considered as part of your income (you don’t have to), be prepared to provide 12 months canceled checks or bank statements reflecting income deposits.

If you own real estate

Name and address of all mortgage lenders for the past 24 months, account numbers, monthly payments and balances

If you’ve sold your home but not closed:

A copy of the sales contract

If you’ve sold your home, closed, and you will use the proceeds for your new down payment:

A copy of the HUD-1 Uniform Settlement Statement

If you rent

Name, address and phone number of landlords for the past 24 months

If you’re buying a home

Purchase sales contract or offer to purchase and all addenda
Furnish contract fully executed by buyer and seller

If a source of your down payment is a gift:

Name, address and relationship of donor.
Gift funds will be verified in both the donor and recipient’s accounts.
Note: Not all loan programs allow gifts to be part of your down payment.

For FHA Financing

Evidence of Social Security Number and photo identification

For VA Financing

DD214 and Certificate of Eligibility (COE may be ordered online by us)

For Construction/Perm Loan

Signed construction with cost breakdown, builder plan and specifications

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Colin A. Moody REALTOR®, Broker, RCA, CREN

P.S. Over 80% of my business is accomplished through my personal relationships with people like you. If you do not presently have a real estate professional in mind that you would refer, I would love to be that person. I promise to provide anyone you send me with excellent service before, during, and after the sale.

Relocation Certified Agents (RCA)

Certified Real Estate Negotiator (CREN)

Gold Executive Council

FONVILLE MORISEY REALTY

A LONG & FOSTER COMPANY

cmoody@fmrealty.com

Phone: 919-491-0739

Efax:     919-595-0508

The first thing to understand about mold is that there it’s everywhere – indoors and outdoors. It’s in the air and can be found on plants, foods, dry leaves, and other organic materials.

It’s common to find molds in homes and buildings as molds grow naturally indoors and can enter a home through heating and air conditioning systems,  doorways and windows. Mold spores also enter the home on pets, your clothing, shoes, bags and people.

When mold spores locate excessive moisture in your home, they will grow. Problem sites include humidifiers, leaky roofs and pipes, overflowing sinks, bath tubs and plant pots, steam from cooking, wet clothes drying indoors, dryers exhausting indoors, or where there has been flooding.

Materials chosen to build homes can provide suitable nutrients for mold, helping it to grow. Examples include paper and paper products, cardboard, ceiling tiles, wood, and wood products, dust, paints, wallpaper, insulation materials, drywall, carpet, fabric, and upholstery.

Exposure to mold

For some people, a small exposure to mold spores can trigger an asthma attack or lead to other health problems. For others, symptoms may only occur when exposure levels are much higher.

Should I be concerned about mold in my home?

Yes. If indoor mold is extensive, those in your home can be exposed to very high and persistent airborne mold spores. It is possible to become sensitized to these mold spores and develop allergies or other health concerns, even if one is not normally sensitive to mold.

Left unchecked, mold growth can cause structural damage to your home as well as permanent damage to furnishings and carpet.

According to the Centers for Disease Control*, “It is not necessary, however, to determine what type of mold you may have. All molds should be treated the same with respect to potential health risks and removal.”

Can my home be tested for mold?

Yes. An indoor air sample can be taken as well as an outdoor sample to determine whether the number of spores inside your home is significantly higher. If the indoor level is higher, it could mean that mold is growing inside your home. Reliable air sampling can be expensive, time consuming, and requires special equipment and a qualified technician.

If you can see or smell mold, then you should take steps to clean-up the mold. Mold growth is likely to continue unless the source of moisture is removed and the contamination is cleaned-up.

CHAPEL HILL REAL ESTATE CARY REAL ESTATE    DURHAM REAL ESTATE    RALEIGH REAL ESTATE

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Chapel Hill, Durham & Raleigh area Real Estate on Facebook

Colin A. Moody REALTOR®, Broker, RCA, CREN

P.S. Over 80% of my business is accomplished through my personal relationships with people like you. If you do not presently have a real estate professional in mind that you would refer, I would love to be that person. I promise to provide anyone you send me with excellent service before, during, and after the sale.

Relocation Certified Agents (RCA)

Certified Real Estate Negotiator (CREN)

Gold Executive Council

FONVILLE MORISEY REALTY

A LONG & FOSTER COMPANY

cmoody@fmrealty.com

Phone: 919-491-0739

Efax:     919-595-0508

Palladium Window

Home owners, do you have a large Palladium style window above your entry foyer, family room or master bedroom? Have you noticed condensation build up between the sealed panes or can you no longer see clearly due to foggy windows. If cleaning both the interior and exterior panes don’t resolve the problem, chances are your windows have lost their protective seal and with it much of its insulating (R) value. This can mean a loss of heated or cooled air resulting in increased utility costs. Over time if left without repair or replacement, the continued condensation can act like a dripping faucet gradually causing the window trim and frame to rot and if allowed, water from the condensation could drip into the supporting walls causing mildew, rot and warping of the underlying structure including the framing, exterior siding and interior sheetrock. Of course, rotting water logged wood can also attract unwanted insect infestations that could cause further damage, remediation and expensive repairs.

You can imagine that the effect of deferring this type of repair can result in a very expensive repair project. As spring and warmer weather approach be sure to inspect your home to insure that minor repairs don’t turn into overwhelming and expensive projects that could devalue your property if not resolved before excessive damage is done.

If you’re thinking about selling your Chapel Hill, Durham or Raleigh area home or you’re a buyer looking to purchase in this area. Call me. I can provide valuable information and services that will assist you in your selling or buying decision.

Colin A. Moody REALTOR®, Broker, RCA, CREN

P.S. Over 80% of my business is accomplished through my personal relationships with people like you. If you do not presently have a real estate professional in mind that you would refer, I would love to be that person. I promise to provide anyone you send me with excellent service before, during, and after the sale.

Relocation Certified Agents (RCA)

Certified Real Estate Negotiator (CREN)

Gold Executive Council

FONVILLE MORISEY REALTY

A LONG & FOSTER COMPANY

cmoody@fmrealty.com

Phone: 919-491-0739

Efax: 919-595-0508
Originally posted by the author on Active Rain.

Contact me for further details.