Sharpe Mortgage Team Educational Articles

The Cost of Waiting to Buy a Home in North Carolina

Mon, 20 Apr 2026 20:15:04 GMT

If you’re thinking about buying a home in Winston-Salem, Greensboro, High Point, or the greater Triad area, chances are you’ve been watching mortgage rates closely. And yes, interest rates matter. They affect affordability, monthly payments, and overall buying power. But the real cost of waiting isn’t just about the rate. It’s also about what happens when more buyers jump back into the market.

As more people begin the homebuying journey, competition tends to pick up quickly. Homes start receiving multiple offers, sellers become less open to negotiation, and listings can go under contract almost as soon as they go live. In other words, waiting could mean stepping into a much more competitive market than the one you see today.

Why Buying a Home in the Triad is Getting More Competitive

Across North Carolina’s Triad housing market, inventory is already tightening in certain areas. Buyers are starting to re-engage as rates stabilize, and sellers are gaining more leverage. In a market like this, one buyer has a clear advantage: the one who starts the homebuying process with a pre-approval and a solid plan.

Being prepared doesn’t just help you move faster. It helps you make stronger decisions, write more confident offers, and avoid scrambling when the right home comes along.

Here are 3 Smart Steps to Prepare for Buying a Home in Today's Market

1) Plan Before You Start House Hunting

One of the biggest mistakes buyers make is starting the search before they fully understand their budget, timeline, and loan options.

At The Sharpe Mortgage Team, we help buyers create a personalized mortgage profile before they ever go looking. That way, when they find the right home, they’re ready to act quickly and confidently.

2) Know Your Numbers Before the Market Moves

To stay ahead of the curve, here’s what you need to know:

A realistic monthly payment you can comfortably afford
How much you need to save for a down payment (or if there is a no-down payment option available to you)
How much to set aside for closing costs
What your credit score looks like and how your overall financial profile affects loan options
What your debt-to-income ratio looks like

In fast-moving markets like Winston-Salem and surrounding areas, there usually isn’t time to sort these details out after you’ve found the house you want. So let’s get started planning right now.

3) Be Ready for Any Market Scenario

A lot of buyers get stuck waiting for the “perfect” moment to buy. Maybe they’re hoping for lower interest rates, more homes for sale, or less competition. But the market rarely lines up perfectly, and it can change fast.

Instead of waiting for ideal conditions, focus on what you can control: your financial readiness, your loan strategy, and your pre-approval. Those are the things that put you in a stronger position when the right opportunity comes along.

In some cases, it may even make sense to buy now at a higher rate and refinance later when rates drop. The key is to be ready to go so you can act quickly.

Ready to Buy a Home in the Triad? Start Here.

If you’re considering buying in Winston-Salem, Greensboro, High Point, or anywhere in the North Carolina Triad area, now is the time to start preparing.

At The Sharpe Mortgage Team, we help buyers strategize and build a personalized homebuying plan, including getting pre-approved so they know how much home they can afford. We promise it makes house hunting way more fun when you have that much insight into what you can comfortably afford.

If you’re considering buying in Winston-Salem, Greensboro, High Point, or anywhere in the North Carolina Triad area, now is the time to start preparing.

Reach out by call or text to (336) 575-9448 , or apply online for a quick, no-pressure pre-approval. In this market, being prepared can make all the difference.

The Market Gave Buyers a Window... and It Shifted

Fri, 17 Apr 2026 16:37:03 GMT

Earlier this year, homebuyers across the North Carolina Triad saw a welcome shift in the market. Homes sat a little longer, sellers became more flexible, and buyers had more room to negotiate closing costs, repairs, and timing. But that window shifted quickly and left a lot of hopeful buyers standing out in the cold.

The good news is there are still plenty of options it just means you don’t have the luxury of waiting for the “perfect” market. Getting prepared now so you are ready when the next opportunity appears will not only put you in a stronger buying position, it also takes away a lot of that homebuying stress. Longterm, it will sharpen those skills and train you to become a better hunter of homes in the future.

Here are three steps that can help you approach the market like a smarter, more prepared buyer.

Step 1: Stop Waiting for Perfect Conditions

It is tempting to wait until rates improve, inventory grows, or competition cools down. But real estate markets are changing quickly these days, especially in places like Greensboro, Winston-Salem, High Point, and surrounding Triad communities.

Instead of trying to time everything perfectly, focus on what you can control. Buyers who prepare early are usually in a much better position than those who wait and hope for the right moment.

If you come to the table with all your numbers aligned, you’ll be in a much better position to purchase that perfect home when it comes along.

Step 2: Know Your Numbers

Before you ever start looking, get a handle on your buying power and what you can afford.

That means understanding:

What your monthly payment would be and how much home you can comfortably afford
What you have saved for a down payment
What to expect for closing costs
Whether there are steps you should take to strengthen your finances

This kind of clarity helps you shop with confidence and avoid surprises later.

Step 3: Build a Strategy, Not a Wishlist

Many buyers think the first step is finding a house. We know how fun it can be to search the market for a new home. Opening up those listings and imaging your family having BBQ’s in this backyard or what the holidays will feel like in that family room. But how sad would you be if you did come across that “perfect home” only to find out that you don’t qualify or the payment exceeds what your budget allows.

Avoid the “home heartbreak” by creating a solid plan with us at The Shape Team. Let’s sit down together now and map out your finances. Let’s look for the strengths and also where you could improve credit, reduce debt, or save more. Let’s get you pre-approved so that you can start the fun step of looking, without the added stress of not knowing.

Then with that pre-approval you’ll have a clear understanding of your buying power. You’ll know exactly which houses to get excited about and which ones you’ll get to buy when you win the lottery. It will also help you to show sellers just how serious you are because you’ll be able to move quickly to close with no surprises.

Work With a Team That Knows the Triad

The market is not the same in every Triad community. Conditions in Kernersville may look different from Greensboro or Winston-Salem, and local knowledge can make a real difference.

Working with a mortgage team that understands the market in each neighborhood can help you make informed decisions based on your timeline, budget, and goals.

How The Sharpe Mortgage Team Helps

The Sharpe Mortgage Team helps buyers do more than just get pre-approved. They help buyers create a plan.

That may include:

Understanding loan options
Setting a realistic budget
Preparing for a down payment and closing costs
Identifying ways to strengthen your buying position
Deciding whether it makes sense to buy now or give it more time

The bottom line: markets shift, and opportunities come and go. But buyers who stay informed, make a plan, and get prepared are always in a stronger position than those who wait without a strategy.

If you are thinking about buying in the North Carolina Triad, now is a great time to get clear on your options. The Sharpe Mortgage Team can help you understand where you stand, what steps to take next, and how to be ready when the next market window opens. Reach out today! Call (336) 575-9448 to start creating your plan today!

Why This Isn't a Declining Rate Market—It's a Volatile One

Tue, 14 Apr 2026 14:32:48 GMT

If you’ve been keeping an eye on mortgage rates lately and thinking, “Shouldn’t they be coming down by now?” you’re definitely not alone. Many homebuyers and homeowners across the Triad expected 2026 to bring some relief after the higher rates of the past few years. But instead of a steady decline or a more stable, encouraging pattern, we’re seeing a market that can shift quickly. In fact, if you spot a rate you like, there’s a good chance it may not still be there the next day.

And understanding how and when to act when you see a rate you like matters more than ever if you’re thinking about buying, refinancing, or making a move.

Expectation vs. Reality

Coming into this year, there was a widespread belief that mortgage rates would gradually decline as inflation cooled down and the economy stabilized. While inflation has improved slightly, it hasn’t settled consistently enough to support a smooth or rather a secure drop in interest rates just yet.

Instead, rates change quickly, sometimes week to week, even day to day, based on economic reports, Federal Reserve signals, and global events. The result? An unpredictable market.

Game Changer

In a declining rate market, it’s easier to feel confident playing the waiting game—if you just hold out a little longer, you’ll get the better rate, right? But in a volatile market, waiting can just as easily cost you as it benefits you.

In today’s market, we’re seeing short windows where rates dip, sometimes for a matter of days, before rising again. Buyers who are prepared can take advantage of these dips, whereas those who are waiting for “the perfect rate” often miss those golden opportunities.

This can also drastically change the housing market. When rates drop suddenly, demand can spike, leading to increased competition.

When they rise, activity may slow and leave desperate sellers forced to lower their price and forfeit the equity. Buying or selling a home is stressful enough without the added pressure of never quite knowing what the market will look like from day to day.

What Can Our Triad Neighbors Do?

Locally, North Carolina continues to be an attractive and relatively affordable market compared to many parts of the country which keep demand steady, even with fluctuating rates.

For buyers, this means a few key things:

Preparation is critical. Having your pre-approval ready today allows you to act quickly when rates dip or the right home hits the market.
Flexibility matters. You may not lock in the absolute lowest rate of the year, but you can still secure a home that fits your long-term goals.
Strategy beats timing. Instead of trying to predict the market perfectly, focus on what works for your financial situation right now. Talk to our team about a range you would be comfortable with rather than an exact percentage to give some flexibility to your plan which will allow you to move forward when it gets close enough.

What About Refinancing

For homeowners this just might be the right time to refinance, especially if you purchased when rates were at their peak. Consider cashing out some of your equity to spruce up your home this Spring as well as dialing your mortgage payment back.

The key is to stay informed and be ready to act when those windows open. Waiting for rates to drop dramatically could mean missing smaller, but still meaningful, savings.

The Bottom Line

This isn’t a market where rates are simply heading downward in a straight line. It’s a market where rates are reacting constantly to new information—and that creates both challenges and opportunities.

If you’re in the Triad area and thinking about your next move, don’t try to outguess the market. Give me a call and let’s strategize and be proactive today. Because the people who succeed aren’t the ones who wait for perfect conditions, they’re the ones who are prepared to act when the moment is right.

The Sharpe Mortgage Team can help you look at the numbers, talk through your options, and understand what buying or refinancing could realistically look like based on your goals and timeline. Reach out today! Call (336) 575-9448 to start the conversation.

Renting vs. Buying in 2026: When Does It Actually Make Sense to Buy

Mon, 06 Apr 2026 15:37:04 GMT

If you’ve been asking yourself whether 2026 is finally the year to stop renting and buy a home, you’re not alone. Many renters are doing the same math right now, especially here in the Triad. In many cases, the best answer comes down to how long you plan to stay, how stable your finances are, and whether buying fits your life right now—not just what headlines say about the market.

Quick answer: In 2026, buying may make sense if you plan to stay put for a few years, have room in your budget for more than just the mortgage payment, and are financially prepared for upfront costs and ongoing homeownership expenses. Renting may be the more sensible choice if you need flexibility, expect to move soon, or would be stretching your budget too thin to buy. While the gap between renting and buying has narrowed compared to the last few years, buying still works best when the timing makes sense for you, not just the market, whether you're in Winston-Salem or anywhere across North Carolina.

The real question is not "Is buying cheaper than renting?"

It’s become common to compare rent to a mortgage payment and stop there. But that’s really only part of the picture.

Buying a home usually comes with a down payment, closing costs, prepaid taxes and insurance, maintenance, repairs, and the day-to-day reality of owning the place instead of calling a landlord. Renting can feel more expensive month to month because you’re not building equity, but it also offers predictability in some areas. If the water heater breaks, that problem typically is not yours.

The question that tends to lead to a better decision is: Does buying make sense for your finances, your timeline, and your lifestyle in 2026.

When buying can make sense in 2026

For many renters, buying starts to make more sense when a few key pieces are in place.

1) You plan to stay in the home for a while

If there’s a good chance you’ll move again in a year or two, renting may still be the better fit. Buying usually makes more sense when you expect to stay put long enough to spread out upfront costs and give yourself time to benefit from building equity, something many buyers across Winston-Salem and the greater Triad are thinking through right now.

That doesn’t mean you need to promise you’ll stay forever, but buying tends to work better when it’s tied to some level of stability

2) Your monthly budget can handle the full cost of ownership

This is a big one. A mortgage payment is only one part of the monthly cost. You also need to think about property taxes, homeowners’ insurance, utilities, maintenance, HOA dues if applicable, and the reality that unexpected repairs happen.

If buying would leave you house-rich and cash-poor, that’s usually a sign to pause

3) You have savings beyond just the down payment

Many first-time buyers may focus on the down payment, but cash to close can include more than that. Depending on the loan and the transaction, buyers may also need funds for closing costs, prepaid items, earnest money, inspections, moving expenses, and reserves after closing.

Being able to buy is not always the same as being comfortably ready to buy.

4) Your credit, income, and overall financial picture support the purchase

You don’t need perfect finances to buy a home, but you do want a financial foundation that supports the payment comfortably.

That can include things like steady income, manageable debt, a credit profile that helps you qualify for financing, and a purchase price that fits your real-life budget—not just the maximum number on paper.

5) You are ready for the responsibilities of homeownership

Owning a home can bring freedom, pride, and stability. It can also bring maintenance, repairs, and ongoing decisions that renters may not have to deal with.

For some people, that tradeoff is worth it right now. For others, renting is still the better lifestyle fit for the season they are in.

When renting may still make more sense

Sometimes the smartest move is to keep renting a little longer.

Renting may still make more sense in 2026 if:

you expect to relocate in the near future
your emergency savings would be wiped out by buying
you are still working on credit, debt, or budgeting goals
your job situation or income is in transition
you want more time to decide where you truly want to live, whether that’s in Winston-Salem, another part of the Triad, or elsewhere in North Carolina
the monthly cost of buying would stretch you too far

The good news is that you do not have to perfectly predict the market to make a smart decision..

A good buying decision is more than timing the market

Trying to perfectly time mortgage rates, home prices, or the broader market can keep people stuck.

In reality, the better move is often to understand what buying would look like for you now, what it might look like if you wait, and whether moving forward fits your goals.

That’s where a real conversation can help. Sometimes buyers are closer than they think. Others need a little more time and a clear plan. Either way, knowing where you stand is usually better than guessing.

Bottom line: In 2026, buying a home makes the most sense when you are financially prepared, plan to stay for a while, and can comfortably handle the full cost of homeownership. Renting may still be the better option if you need flexibility or feel like buying requires a bit more planning on your end. The goal is not to buy just because the market looks a little better but rather to buy when the move makes sense for your life

FAQs About Renting vs. Buying in 2026

Is it better to rent or buy in 2026?

There is not a one-size-fits-all answer. Buying may make sense if you have stable finances, plan to stay put, and are ready for the full costs of ownership. Renting may be better if you need flexibility or are still building your financial foundation.

Does buying a home always cost less than renting?

Not always. In some cases, renting may be less expensive month to month, especially in the short term. Buying can still make sense for other reasons, like stability, building equity over time, or having more control over your space.

How long should I plan to stay in a home before buying makes sense?

That can vary, but in general, buying tends to make more sense when you expect to stay in the home for at least a few years. That gives you more time to absorb upfront costs and benefit from ownership.

What costs should I consider besides the mortgage payment?

Buyers should also think about property taxes, homeowners’ insurance, maintenance, repairs, utilities, HOA dues if applicable, closing costs, prepaid items, and moving expenses.

Should I wait for rates to drop more before buying?

Not necessarily. Waiting only for rates can keep buyers on the sidelines too long. A better approach is to understand what you qualify for now, what payment feels comfortable, and whether buying fits your current goals.

Can I buy a home in 2026 if I do not have a huge down payment?

Many buyers are surprised to learn that a large down payment is not always required. The right loan option depends on your qualifications, financial picture, and the type of financing available.

Wondering whether renting or buying makes more sense for you in 2026? The Sharpe Mortgage Team can help you look at the numbers, talk through your options, and understand what buying could realistically look like based on your goals and timeline. Reach out today! Call (336) 575-9448 to start the conversation..

What to Do 90 Days Before Buying a House

Mon, 30 Mar 2026 16:21:08 GMT

If you’re hoping to buy a home in the Winston-Salem area in next three months, now is the time to get organized. The 90 days before you buy can make a big difference in how smooth the process feels. This is the time to tighten up your budget, avoid money moves that could cause issues, gather documents, and talk with a lender before you start making offers. A little preparation now can help you shop with more confidence and fewer surprises later.

Quick Answer: Ninety days before buying a house, focus on getting financially ready. That usually means checking your credit, reviewing your budget, saving for upfront costs, organizing documents, avoiding major financial changes, and talking with a lender about pre-approval. Buyers who prepare early are often in a better position to move quickly and make stronger offers when the right home comes along .

Why the 90-Day Mark Matters

Three months out is usually a great time to get serious about preparing. It gives you enough time to improve a few things before applying, but it’s close enough that your planning can be specific and practical.

For example, this is a good time to:

tighten up spending
build or protect your savings
gather income and asset documents
ask questions about loan options
spot any issues before they become last-minute problems

Mortgage pre-approval typically requires documentation related to income, assets, and financial history, so getting organized ahead of time can save stress once you’re ready to moves.

What to Do 90 Days Before Buying a House in the Triad

1) Review your budget honestly

Before you start browsing homes, take a close look at your monthly finances. This isn’t just about whether you can afford a mortgage payment. It’s also about whether homeownership fits comfortably into your overall budget.

Think beyond just the mortgage payment. You may also need to account for property taxes, homeowners insurance, HOA dues if applicable, maintenance, and other monthly obligations. Freddie Mac specifically encourages buyers to budget for ongoing housing costs and maintenance, not just the loan payment itself.

This is a good time to ask:

What payment range feels manageable each month?
How much do I want to keep in savings after closing?
What other financial goals do I need to protect?

2) Start building your cash-to-close plan

One of the biggest mistakes first-time buyers make is focusing only on the down payment. In reality, you may also need money for closing costs, earnest money, inspections, appraisal-related fees, and moving expenses.

The CFPB and Fannie Mae both note that buyers should plan for upfront costs beyond the down payment, including closing costs and estimated cash to close.

If you are 90 days out, start getting clear on:

how much you already have saved
how much you want to add before buying
what funds need to stay untouched for reserves or emergencies

3) Check your credit and avoid careless mistakes

This is a smart time to review your credit and make sure everything looks accurate. If something is off, you may still have time to address it before applying. Even if there are no errors, the next 90 days are not the time to open new credit cards, finance furniture, buy a car, or miss payments.

Lenders evaluate your credit, debt, work history, down payment, and other financial details during pre-approval, so keeping things stable matters.

4) Keep your employment and bank activity steady

When you’re getting ready to buy, consistency matters more than a lot of people realize. Large unexplained deposits, job changes, new debt, or unusual spending patterns can create questions during underwriting.

That doesn’t mean you can’t live your life. It just means this is a good season to keep your finances clean and well documented. If money is being moved around between accounts, or if you receive a gift from family later in the process, it’s better to talk with your lender early so you understand how to document it properly.

5) Gather your paperwork now

Mortgage paperwork feels a lot less overwhelming when you’re not scrambling at the last minute. Fannie Mae and Freddie Mac both highlight the importance of gathering documents before pre-approval, including items tied to income, assets, tax records, and employment.

Depending on your situation, that may include:

recent pay stubs
W-2s or tax returns
bank statements
identification
records for other assets or income sources

If you are self-employed, receive bonus or commission income, or have a more complex financial picture, giving yourself extra prep time is especially helpful.

6) Talk with a lender before you start seriously shopping

A lot of buyers wait until they have found a house to start the financing conversation. That usually creates unnecessary stress.

A better move is to talk with a lender first so you can understand:

what you may qualify for
what payment range makes sense
what loan options may fit your situation
what you may want to improve before making an offer

The CFPB notes that getting pre-approved can help show sellers you are serious, while Freddie Mac notes that pre-approval requires a more detailed review of your financial picture.

7) Learn what not to do before closing

Even before you are under contract, it helps to know the habits that can create problems later. Once buyers get serious about purchasing, the goal is usually to avoid financial moves that could change their qualification picture.

That means holding off on:

opening new credit accounts
making large purchases on credit
moving money around without documentation
quitting or changing jobs without talking to your lender
assuming the online payment estimate is the full story

Preparation isn’t just about what you should do. It’s also about what you should avoid.

A Simple 90-Day Homebuying Checklist

If you want to keep it simple, focus on these priorities:

90 days before buying a house:

review your monthly budget
estimate your available cash for down payment and closing costs
check your credit
avoid taking on new debt
gather important documents
keep income and bank activity stable
talk with a lender about pre-approval and loan options

It may not be the exciting part of buying a home, but this kind of prep can make the whole process feel a lot more manageable.

FAQs

Is 90 days before buying a house too early to talk to a lender?

No. In many cases, 90 days out is a great time to start the conversation. It gives you time to understand your options, gather documents, and make any needed adjustments before you are ready to write an offer. The CFPB also notes that buyers may have very little time to line up financing once an offer is accepted, which is one reason shopping and preparing beforehand is important.

What should I avoid doing 90 days before buying a house?

Try to avoid opening new credit accounts, financing large purchases, missing payments, making unexplained large deposits, or making major employment changes without talking with your lender first. Stability in your finances can help the approval process go more smoothly.

Do I need to save more than just the down payment?

Usually, yes. Many buyers also need funds for closing costs and other upfront expenses. Depending on the transaction, you may also need earnest money and money set aside for moving or immediate home-related expenses.

Should I get pre-approved before looking at homes?

Usually, yes. It’s often the better move. Pre-approval can help you understand your price range and can also strengthen your position when you are ready to make an offer. It doesn’t necessarily lock you into one lender, but it does give you a clear idea of where you stand.

What documents do I usually need before getting pre-approved?

Buyers are often asked for documents related to income, assets, taxes, and employment. Common examples can include pay stubs, W-2s, tax returns, and bank statements, though the exact list depends on the borrower and loan scenario.

Bottom Line: The 90 days before buying a house are less about house hunting and more about getting yourself ready. When your budget is clear, your documents are organized, and your financing questions are answered early, the rest of the process tends to feel a lot more manageable.

If you’re planning to buy a home in the next few months, the Sharpe Mortgage Team is here to help you get prepared before the pressure is on. We can help you understand your options, talk through your timeline, and take the next steps with more clarity and confidence.

Ready to start preparing for your home purchase? Call the Sharpe Mortgage Team today at (336) 575-9448 to plan your next move.

How Much Money Do You Really Need to Buy Your First Home?

Tue, 17 Mar 2026 16:41:31 GMT

Buying your first home can feel overwhelming, especially when you’re trying to figure out how much money you actually need to have upfront. One of the biggest myths out there is that you need a large down payment before you can even think about buying, but that’s not always true.

Quick Answer: You don’t always need 20% down to buy your first home. Depending on the loan program and your qualifications, some first-time buyers may be able to buy with as little as 3% down on certain conventional loans, 3.5% down with FHA, or even 0% down with VA or USDA-eligible financing. But your down payment is only part of the equation. Buyers also need to consider closing costs, prepaid taxes and insurance, moving expenses, and the size of their cash cushion after closing.

The better question is not just, “How much do I need for a down payment?” It’s, “How much do I need to buy smart and still feel comfortable?” Your upfront costs may include more than just the down payment, which is why it helps to look at the full picture before you start house hunting.

The 20% Down Myth

Many first-time buyers assume they need to put 20% down. While that can lower your loan balance and may help you avoid monthly mortgage insurance on some loans, it’s not the only path to homeownership.

For many buyers, waiting years to save 20% is not always the best move, especially if home prices or rent continue to rise. Sometimes the better strategy is understanding your real options now, then deciding what works best for your budget and goals.

What You May Need to Pay Up Front

When you buy your first home, the cash you need upfront usually falls into a few main buckets:

1) Down Payment

Your down payment depends on the loan type, your financial profile, and the property. In general, some buyers may qualify for:

3% down on certain conventional loan options
3.5% down with FHA
0% down for eligible VA borrowers
0% down for eligible USDA borrowers

2) Closing Costs

Closing costs are separate from your down payment. These can include lender fees, appraisal , title work, recording fees, prepaid taxes, prepaid homeowners’ insurance, and other settlement costs.

3) Earnest Money

Depending on the market and the contract terms, you may also need earnest money when you go under contract. That money is typically credited toward your purchase at closing, but you still need to have it available early in the process.

4) Moving and Setup Costs

Even if your loan allows a lower down payment, you’ll still want to leave room in your budget for movers, utility setup, small repairs, appliances, furniture, and the random costs that tend to pop up once you get the keys.

A Simple Example

Let’s say you’re looking at a $300,000 home.

Here’s what the down payment alone could look like at different levels:

3% down = $9,000
3.5% down = $10,500
5% down = $15,000
20% down = $60,000

Then you also need to think about closing costs and other out-of-pocket expenses. That’s why the real number is often different from what buyers expect when they focus only on the down payment.

Why the Cheapest Possible Entry Is Not Always the Best Option

Buying with the lowest possible cash out of pocket can be a great strategy for some buyers, but it is not automatically the right one for everyone.

A smaller down payment can mean:

a larger loan amount,
a higher monthly payment,
mortgage insurance depending on the loan,
and less equity on day one.

On the other hand, putting too much down can leave you with less flexibility after closing. The goal is usually not to put down the maximum possible amount. It is to choose a strategy that helps you buy comfortably and stay financially stable after you move in.

Don't Forget About Assistance Programs

Some first-time buyers may also qualify for down payment assistance or other homebuyer programs. Depending on where you live and your qualifications, these programs may help reduce the amount of cash you need upfront.

FAQs

Do I need 20% down to buy my first home?

No. Many first-time buyers purchase with less than 20% down. The minimum required depends on the loan program, the property, and your qualifications.

What is the minimum down payment for a first-time homebuyer?

It depends on the loan. Some conventional options may allow 3% down, FHA may allow 3.5% down, and eligible VA or USDA borrowers may qualify for 0% down financing.

Is the down payment the only upfront cost?

No. Buyers may also need to plan for closing costs, earnest money, prepaid taxes and insurance, moving expenses, and cash reserves after closing.

How much should I save before buying a home?

There’s no one-size-fits-all number. The right amount depends on your price range, loan type, expected closing costs, and how much financial cushion you want to keep after closing.

Are there programs that help first-time buyers with upfront costs?

Yes. Some buyers may qualify for down payment assistance or other local, state, or program-specific homebuyer assistance.

Bottom Line: You may not need as much money as you think to buy your first home—but you do need a plan. The right strategy is not just about getting into a home. It’s about getting into a home in a way that still leaves you with breathing room afterward.

If you’re wondering what it might actually take to buy your first home, the Sharpe Mortgage Team can help you break down the numbers, explore your options, and build a plan based on your goals. Give us a call at (336) 575-9448 to start the conversation.

Buying Your First Home as a Medical Professional: What You Should Know

Fri, 13 Mar 2026 19:56:34 GMT

Starting a career in medicine comes with a lot of big milestones, and buying your first home may be one of them. But for many medical professionals, the timing can feel a little tricky. You may be stepping into a strong career path while also balancing student loan debt, a recent job offer, a move, or the desire to keep more cash on hand.

That can make the homebuying process feel less straightforward than it does for other first-time buyers. The good news is that it doesn’t necessarily mean you have to wait. It just means you need to understand how your income, debt, savings, and timeline fit together before you get too far into the process.

Quick Answer: Medical professionals buying their first home may have more options than they realize. Even if you have student loan debt, a new job contract, or limited savings for a large down payment, there may be mortgage solutions that fit your situation. The best first step is understanding your numbers and your options before you start shopping.

Why Buying a First Home Can Feel Different in Medicine

Buying your first home comes with a learning curve for almost everyone. But for medical professionals, there are often a few extra factors in play.

You may be moving for a new role, buying before your first day on the job, or balancing student loan debt alongside a promising income trajectory. That doesn’t mean homeownership is out of reach. It just means your situation may need a more tailored approach.

Looking at the full picture early can make the process feel more manageable and help you see which options may fit best.

What Medical Professionals Should Think About Before Buying

Student loan debt is important, but it’s not the whole story

A lot of medical professionals assume they need to wait until their student loan balance is much lower before buying a home. In reality, the bigger question is often how that debt is viewed in the mortgage process.

Depending on the loan program, student debt may be treated differently than you expect. That’s one reason it helps to have a conversation early instead of ruling yourself out.

A big down payment may not always be necessary

Many first-time buyers still assume they need 20% down to purchase a home. That isn’t always the case. Depending on the loan type and your qualifications, there may be lower down payment options available.

For medical professionals early in their careers, preserving cash can be just as important as buying the home itself. Moving expenses, emergency savings, furnishing a new place, and career-related costs can all add up quickly.

Your employment contract may matter

If you’re finishing training or preparing to start a new role, you may not have the long employment history some buyers assume is required. In some cases, an employment contract or offer letter may help support the loan process, depending on the details and the program.

That’s one of the biggest reasons it makes sense to talk with a lender before assuming you need to wait.

Your monthly comfort matters more than your maximum approval

There can be a big difference between what you qualify for and what feels comfortable. When you’re buying your first home, it helps to look beyond the sales price and focus on the full monthly picture, including taxes, insurance, HOA dues if applicable, and the role homeownership will play in your overall financial life.

That’s especially important if you’re stepping into a new job, a new city, or a new stage of life at the same time.

The smartest first move is usually planning, not browsing

Looking at homes online is the exciting part, but clarity upfront can save a lot of stress later. Before you seriously start house hunting, it helps to understand your price range, how your student loans may be evaluated, whether your job contract can be used, and how much cash you may want to keep in reserve.

That kind of preparation can help you move forward with more confidence and fewer surprises.

Why a Doctor Loan May Fit In

For some medical professionals, a doctor loan may be worth exploring because it is designed with common early-career challenges in mind. Depending on the program, that can include flexibility around student loan debt, employment contracts, and down payment requirements.

At the same time, a doctor loan isn’t the only path to homeownership, and it may not be the best fit for every buyer. It helps to look at the full picture before deciding which loan option makes the most sense.

For a closer look at how doctor loans work and who they may be designed for, read: What Is a Doctor Loan and How Does It Work?

Bottom Line: Buying your first home as a medical professional can come with a few unique questions, but it may also come with more flexibility than you expect. The key is understanding your options early, so you can make informed decisions based on your career stage, financial goals, and timeline.

With the right plan, buying your first home can feel a lot more approachable.

FAQs

Can a medical professional buy a home with student loan debt?

Yes, potentially. Student loan debt does not automatically prevent you from qualifying for a mortgage, but how that debt is calculated can affect your options.

Do medical professionals need a 20% down payment to buy a home?

No. Many buyers, including some medical professionals, purchase with less than 20% down depending on the loan program, their qualifications, and the type of financing they choose.

Can I buy a home with a job offer or employment contract?

In some cases, yes. Certain mortgage programs may allow an employment contract or offer letter to help support qualification.

Is a doctor loan the only option for medical professionals buying a home?

No. A doctor loan can be a helpful option for some buyers, but it’s not the only path to homeownership. Other loan programs may also be worth considering depending on your financial picture, timeline, and goals.

When should I talk to a lender if I am thinking about buying?

Ideally before you begin seriously shopping for a home. Early guidance can help you understand your budget, timing, and loan options before you make a move.

Whether you’re just starting to explore your options or ready to take the next step, the Sharpe Mortgage Team is here to help make the process feel more approachable. Call (336) 575-9448 to start the conversation.

What Is a Doctor Loan and How Does It Work?

Fri, 06 Mar 2026 17:07:44 GMT

If you’re a medical professional—physician, dentist, pharmacist, CRNA, veterinarian, podiatrist, or currently in residency or fellowship—you’ve probably seen how traditional mortgage guidelines don’t always fit real life in medicine.

You may have strong income potential, but you’re also managing student loans, starting a new role under contract, or relocating quickly. That’s exactly why Highlands Residential Mortgage and the Sharpe Mortgage Team offer a Doctor Loan Program. It’s a financing option built specifically for medical professionals.

Quick Answer: A Doctor Loan is a mortgage designed to help eligible medical professionals purchase a home with up to 100% financing, no monthly mortgage insurance, and underwriting built to account for common medical-career realities like student loan debt and employment contracts.

What Is a Doctor Loan?

A Doctor Loan (also called a Medical Professional Loan) is a mortgage program created for qualifying medical professionals. It’s built to support career paths that look different from traditional W-2 borrowers, especially early in your career.

When you finance through the Sharpe Mortgage Team using this program, you can access benefits that include:

Up to 100% financing (maximum LTV)
No monthly mortgage insurance (MI)
Flexible underwriting designed to account for student loans and contract-based careers
Fixed-rate and adjustable-rate (ARM) options
Conforming and jumbo loan amounts available
Purchase and refinance available.

Who Is This Program For?

To use this program, at least one borrower must hold (and provide proof of) an eligible professional designation. Eligible designations include:

Medical Doctor (MD)
Doctor of Osteopathy (DO)
Doctor of Dental Surgery (DDS)
Doctor of Dental Medicine (DMD)
Doctor of Ophthalmology (MD or DO)
Doctor of Psychiatry (MD or DO)
Doctor of Pharmacy (PharmD)
Doctor of Veterinary Medicine (VMD)
Doctor of Podiatric Medicine (DPM)
Certified Registered Nurse Anesthetist (CRNA)
Medical residents, fellows, or interns with one of the above degree

How Does a Doctor Loan Work?

The process looks a lot like a standard mortgage—application, documentation, underwriting, appraisal, and closing. The difference is how the program is structured around common medical-career realities.

1) You can finance up to 100% of the purchase price

Qualified borrowers can finance up to 100%, which means you may be able to buy while preserving cash for moving expenses, reserves, and life costs during a transition.

2) You don’t pay monthly mortgage insurance

Many low-down-payment loans come with monthly mortgage insurance. With this Doctor Loan program, monthly MI is not required, which can help keep the monthly payment more comfortable.

3) Student loans are treated with medical-career realities in mind

Student loan balances are common in the medical field. This program is designed to evaluate student loans in a way that supports qualified borrowers, rather than automatically sidelining them.

4) It supports contract-based income and relocation timelines

Medical professionals often start new roles under contract and may need to relocate quickly. This program is built to align with those situations so financing can move forward with clarity.

Program Guidelines at a Glance

Here are the key guidelines for the Doctor Loan Program:

Up to 100% maximum LTV
680 minimum FICO
50% maximum DTI
$100,000 minimum loan amount
$2,000,000 maximum loan amount
No MI required
Fixed-rate and ARM options available
Conforming and jumbo options available
Purchase and refinance available

Why Medical Professionals Like This Option

This loan program can be especially helpful if you want to:

Keep more cash in the bank
Avoid monthly mortgage insurance
Buy while navigating student loan debt
Purchase while relocating for a new role
Move forward even if traditional guidelines feel tighter than your real-life scenario

Doctor Loan FAQs

What is a Doctor Loan?

A Doctor Loan is a mortgage designed for eligible medical professionals. When you finance through the Sharpe Mortgage Team using this program, you can access benefits like up to 100% financing, no monthly mortgage insurance, and an underwriting approach built for medical-career realities.

Who qualifies?

Eligible designations include MD, DO, DDS, DMD, PharmD, CRNA, VMD, DPM, and certain residents/fellows/interns with qualifying degrees. At least one borrower must provide proof of the eligible designation.

Do I need a down payment?

Qualified borrowers can finance up to 100%, which may reduce or eliminate the need for a down payment depending on your scenario.

Is mortgage insurance required?

No—monthly mortgage insurance is not required with this Doctor Loan program.

What credit score do I need?

The program guideline is a 680 minimum FICO.

What loan amounts are available?

Loan amounts range from $100,000 up to $2,000,000, with conforming and jumbo options available.

Can I refinance using this program?

Yes, refinance transactions are available (subject to guidelines and approval).

If you’re a medical professional thinking about buying a home now or planning a move soon, the Sharpe Mortgage Team can help you understand how the Doctor Loan works, what you may qualify for, and how to structure financing in a way that protects your cash flow.

Call the Sharpe Mortgage Team at (336) 575-9448 to get started.

How to Avoid the Most Common VA Construction Pitfalls

Mon, 02 Mar 2026 18:35:47 GMT

Building a home with your VA benefit can be an incredible move, especially in North Carolina, where many veterans are choosing to build across the Triad to get the layout, land, and long-term fit they actually want.

But construction financing has more moving parts than a typical purchase loan. The good news: most problems aren’t surprises; they’re predictable pinch points. When you plan for them early, you protect your timeline, your budget, and your peace of mind.

Quick Answer: Avoiding VA construction pitfalls comes down to three things: managing change orders with a clear process, keeping your credit/employment/debt stable during the build, and confirming timeline and communication expectations with your builder and lender before you break ground.

With local North Carolina experience (including the Triad), the Sharpe Mortgage Team helps keep the paperwork, draw schedule, and next steps predictable as your home comes together.

New to VA construction? Start with Part 1: VA Construction Loans 101 in North Carolina , then come back here to avoid the common pitfalls.

Pitfall #1: Change Orders That Blow Up the Budget (and the Timeline)

A change order is any modification to the original scope of work. including finish upgrades, layout tweaks, additional features, material substitutions, and sometimes surprises tied to site conditions.

In real life, change orders happen. The pitfall is when they happen often or late, without a clear process.

Why change orders can be a big deal in VA construction financing

VA construction lending is documentation-heavy by design: plans, specs, cost breakdowns, and the builder contract all matter. When the scope changes, the paperwork and approvals may need to catch up, especially if the changes affect cost, value, or the completion timeline.

Best practices to keep change orders from derailing your build

Decide early where you’ll “splurge” and where you won’t.
Before you sign, identify your non-negotiables (example: larger garage, extra bath, specific accessibility features) and lock them into the original scope.

Ask your builder how they price and approve change orders.

In the Triad market, builder processes can vary widely. Get clarity on:

Who authorizes the change (and how)
How pricing is calculated (cost + markup, flat fees, etc.)
Whether the change impacts the schedule
How quickly you’ll get documentation back

Build in a contingency buffer.
Even with a well-planned build, there can be legitimate surprises—site work, material availability, small plan adjustments. A buffer helps you stay calm and avoid reactive decisions.

Create a “Change Order Rule” for yourself.

A simple guideline like:

No change orders after framing (or after drywall)
Only one batch of changes per phase
Anything over $X requires a 24-hour pause before signing

A change-order rule like this keeps decisions early and predictable, so your budget and timeline don’t take a hit.

Confirm how upgrades are handled (and when they must be selected).
Many issues happen when selections are made late. If you want different flooring, cabinets, lighting, tile, or appliances, ask for the deadline for each category upfront.

Pitfall #2: Borrower Changes During Construction (Debt, Job, Credit)

This is the one most buyers underestimate, because the build timeline can stretch longer than a standard purchase.

Even if you’re already approved, construction financing still cares about your borrower profile staying stable. In a two-closing structure , it can be especially sensitive because there’s another approval step later.

Common borrower changes that cause issues

New debt:

Car purchase/lease
New credit cards or large financed furniture purchases
Co-signing for someone else

Job/income changes:

Switching employers
Going from W-2 to self-employed
Commission/bonus structure changes
Gaps in employment

Credit hits:

Late payments
Increased utilization (balances creeping up)
New inquiries
Collections/charge-offs

How to protect your approval while your home is being built

Freeze big financial decisions until the build is complete.
Avoid taking on new debt, like a car loan, new credit cards, or promotional financing, until the loan process is fully complete.

Keep utilization boring.
Even if you pay in full monthly, large balances reporting can impact your score. Keep balances low where possible.

Don’t change jobs without talking to your lender first.
Sometimes a change is workable, but timing and documentation matter. A quick conversation beforehand can save major frustration later.

Set “construction season rules” with your household.
This is where experienced local guidance matters. We’ve seen buyers in Winston-Salem and across the Triad do everything right on the construction side—then unintentionally create a last-minute issue with a vehicle purchase or a job change. A shared plan prevents that.

Pitfall #3: Timeline Confusion and Communication Breakdowns

Construction loans don’t run into trouble because the financing is complicated. They run into trouble when expectations aren’t aligned early, especially around who does what, when, and how updates happen.

The core truth: You’re managing two timelines at once.

Construction financing works best when the build schedule and loan schedule stay in sync.

1) The build timeline (builder-driven):
This is the day-to-day progress of the home—permits, site work, foundation, framing, rough-ins, drywall, finishes, and final punch-list. It’s influenced by trade availability, inspections, weather, material lead times, and change orders.

2) The financing timeline (lender-driven):
This is everything tied to the loan process during construction—builder documentation, required approvals, draw requests, inspections (when applicable), and the timing of fund releases so the builder can keep the project moving.

When those two timelines aren’t coordinated, the friction shows up fast.
A build phase may be ready for the next step, but if a draw request is missing paperwork, an inspection can’t be scheduled in time, or approvals lag. The project can pause, creating delays in funding, inspections, and key milestones on the path to closing.

What to ask your lender upfront (before you’re deep into the build)

1) Who is my point of contact during construction?
Ask whether you’ll have a construction lending contact (or team) to help with the draw process and document flow.

2) What’s your draw process, step-by-step?
Get clarity on:

How draw requests are submitted
What inspections are required
How long it typically takes from request → inspection → funds release
What can slow it down (missing documentation, incomplete work, etc.)

3) What documents do you need from my builder, and when?
A smooth VA construction experience often comes down to the builder package being complete and accurate.

4) How do you handle change orders?
Ask what must be documented, when approvals are required, and whether certain changes can be paid outside the loan (if applicable).

5) What are the most common “gotchas” you see with VA construction in North Carolina?
This is where local expertise pays off. The Triad market has its own rhythm; builders, municipalities, inspection timing, and trade availability can all influence the flow.

What to ask your builder upfront (before you sign)

1) What is your realistic timeline, and what causes delays?
Ask them to walk you through major phases and typical bottlenecks (permits, materials, trades).

2) How do you communicate updates?

Weekly update cadence?
Who sends it?
What format (email, portal, text)?
How are schedule changes communicated?

3) What selections do I need to make, and what are the deadlines?
Late selections create change orders, which may create delays.

4) Who coordinates inspections, and how much notice do you need?
This matters because inspections are tied to draws and draws keep the project moving.

5) What do you need from me to keep things moving fast?
Sometimes the delay is as simple as unanswered questions or waiting on a decision.

A "No Surprises" Plan for VA Builds in the Triad

In our experience across North Carolina and the Triad, a predictable build comes from clear expectations, especially around changes, timing, and communication. Here’s the approach that helps keep everyone aligned:

Make your must-have decisions early (scope + selections)
Keep your finances steady during construction
Get clarity on draws, inspections, and timelines before you start
Confirm updates and approvals in writing
Maintain a consistent check-in schedule with your builder (and your lender when needed)

FAQs: VA Construction Pitfalls (North Carolina)

What is the biggest mistake people make with a VA construction loan?
The biggest mistake is allowing too many mid-build changes (change orders) while also making personal financial changes (new debt or job changes). These two issues together can impact both the budget and the final approval process.

Do change orders affect a VA construction loan in North Carolina?
They can. Change orders may require updated documentation and approvals, especially if they increase the total project cost, affect the appraised value, or change the build timeline.

Can I buy a car while my VA construction loan is in progress?
It’s risky. A new auto loan changes your debt-to-income ratio and can impact approval. If you’re considering it, talk to your lender before you sign anything.

Can I change jobs during the construction phase?
Sometimes, but timing and documentation matter. Changes in income type (commission, bonus, self-employed) or employment gaps can create complications. Always consult your lender before changing jobs during a construction loan.

What credit score issues can cause problems during construction?
Late payments, increased credit card balances/utilization, new accounts, and hard inquiries can all impact your score. Keeping credit stable throughout the build is one of the easiest ways to avoid delays.

How can I prevent construction timeline delays?
Align expectations early: confirm the builder’s timeline, understand the lender’s draw and inspection process, and establish a communication cadence. Delays are most often caused by missing documents, late selections, inspection scheduling gaps, or unclear responsibilities.

What should I ask my lender before starting a VA construction loan?
Ask about the draw process, who manages construction administration, how change orders are handled, expected timelines for inspections/funding, and what builder documentation is required upfront.

Ready to Build in North Carolina Without the Headaches?

If you’re planning a VA construction build in Winston-Salem or anywhere across the Triad, the Sharpe Mortgage Team can help you map the process before you break ground—so change orders stay manageable, your loan stays on track, and everyone stays aligned from plans to move-in day.

Ready to map your build before you break ground? Call the Sharpe Mortgage Team at (336) 575-9448 to talk through your VA construction loan options

Why Experience Matters in Construction Lending

Thu, 19 Feb 2026 17:40:01 GMT

Building a home is one of the most exciting projects you’ll ever take on, because you’re not just buying a house. You’re bringing a vision to life.

And while construction lending has more moving parts than a traditional mortgage, the right lending team makes the process feel clear and steady from the start. That’s where experience matters most: we keep the loan process supported and the build on track, so you’re never wondering what comes next as your home comes together.

Quick Answer: Experience matters in construction lending because it helps keep the build organized, the timeline clearer, and the process moving—from builder documentation to draw coordination. The Sharpe Mortgage Team guides buyers through each phase with a construction-focused process and support designed specifically for construction financing, so you can stay excited about your build instead of managing the logistics.

Construction Lending Is a Guided Process (Not a Guessing Game)

A construction loan isn’t a regular mortgage with extra steps. It’s a financing plan that supports a build over time, typically with stages of funding tied to construction progress.

That’s why experience matters: construction lending works best when the process is planned, explained, and managed—not improvised.

A seasoned construction lender helps bring structure to the moving parts, including:

Builder documentation and approvals
Plans, specs, and a line-item budget
Appraisal requirements based on the completed home
Draw scheduling tied to construction milestones
Timeline coordination between buyer, builder, and lender

When this is handled well, construction lending doesn’t feel complicated. It feels supported.

What Does a Smooth Construction Loan Process Look Like?

Most construction buyers aren’t asking for perfection. They’re asking for clarity. With an experienced team, you can expect:

Clear expectations early

You’ll know what’s coming next, what we need from you, and when—so nothing feels last-minute.

An organized path to closing

Construction lending requires a different set of documentation than a standard purchase. When your team knows what to gather upfront, your file can move more efficiently.

A draw process that keeps your build moving

Draws (staged releases of funds during construction) are part of how the builder gets paid and how progress stays aligned with the budget. A well-run draw process supports steady momentum.

Clear communication that reduces stress

A great construction lending experience is built on clear, consistent communication. That means you’re not piecing together updates from different people. We help keep everyone aligned and the next steps easy to follow. The result is a smoother experience with fewer last-minute surprises, even if the schedule adjusts along the way

How Does the Sharpe Mortgage Team Keep Construction Loans on Track?

Construction lending is a specialty, and buyers feel the difference when they work with a team that does it consistently.

The Sharpe Mortgage Team helps clients build with confidence by guiding you step-by-step and keeping the process on track.

From builder review to draw coordination, you’re supported by a team and a construction-focused process designed to keep things moving forward.

Construction Lending Experience Matters in North Carolina

Construction timelines, builder processes, and documentation expectations can vary, especially when you’re building across different communities in the Triad and throughout North Carolina.

That’s why experience matters here: it helps keep the process aligned, sets expectations early, and supports both the buyer and the builder.

A construction loan should feel like a roadmap, not a maze.

FAQs

Why does experience matter in construction lending?
Construction loans involve coordinating builder documentation, plans and budgets, appraisals, draws, and timelines. An experienced team helps keep the process organized, communicates clearly, and supports steady progress throughout the build.

What are “draws” in a construction loan?
Draws are staged releases of funds during the build, often tied to construction milestones. They help keep financing aligned with progress and support payments to the builder as work is completed.

Do construction loans require more paperwork than a standard mortgage?
Yes. Because you’re financing a project that isn’t complete yet, lenders typically need builder information, a construction contract, and a detailed build budget in addition to standard borrower documentation.

When do payments start on a construction loan?
During construction, payments are often structured differently than a standard mortgage. They are commonly interest-only based on the amount drawn. Your loan team will explain what to expect based on how your construction loan is set up.

How do I know if a lender is experienced with construction loans?

Ask how builder approval works, how draws are managed, what’s needed up front, and who supports the process internally. A seasoned construction lender can explain the timeline and requirements clearly.

Bottom Line

If you’re thinking about building in Winston-Salem or anywhere in the Triad, we’d love to help you map out your first steps and set expectations early, so you can enjoy the build without feeling like you have to manage every detail yourself.

Ready to build with a clear plan and a steady process? Call the Sharpe Mortgage Team at (336) 575-9448 to talk through your construction loan options.

VA Construction Loans 101 in North Carolina

Wed, 11 Feb 2026 22:32:25 GMT

Building a home from the ground up is exciting, especially when you can use your VA benefit to do it. Construction financing is different from a typical purchase loan, and in North Carolina, getting the structure right from the start goes a long way toward keeping the build moving smoothly.

In Part 1 of our VA Construction series, we’ll cover the essentials for North Carolina buyers (including those building across the Triad): what a VA construction loan is, who it’s for, the high-level difference between One-Time Close and Two-Time Close, and the big-picture timeline you can expect as your build gets underway.

What Is a VA Construction Loan (and Who Is It For)?

A VA construction loan allows eligible VA borrowers to finance the construction of a new primary residence using their VA benefit, rather than purchasing an existing home.

This option is typically a fit if you:

Want to build a primary residence (not an investment property)
Have already found land, or are still deciding how land will be handled in the financing
Want one plan for the whole project (land + construction + long-term mortgage), depending on the structure you choose
Prefer guidance from a team that understands the moving parts: builder paperwork, plans/specs, budgets, draw schedules, and inspections

Across the Triad—Winston-Salem, Clemmons, Lewisville, Kernersville, High Point, and Greensboro—we see many VA buyers choose construction because it gives them more control over layout, finishes, and function from day one.

One-Time Close vs. Two-Time Close: What's the Difference?

One of the first decisions you’ll make is whether your construction loan is structured with one closing or two.

One-Time Close (OTC): One Loan, One Closing

A One-Time Close (sometimes called “single close”) combines the construction phase and the permanent mortgage into one loan with one closing . Depending on the program, that can mean:

One set of closing costs
A more streamlined process since you are not completing a second closing later
Financing that is set up upfront for both construction and the long-term mortgage

During construction, funds are typically released in stages as work is completed (draws), and payments are often based on the amount drawn.

Two-Time Close (TTC): Two Loans, Two Closings

A One-Time Close (sometimes called “single close”) combines the construction phase and the permanent mortgage into one loan with one closing . Depending on the program, that can mean:

One set of closing costs
A more streamlined process since you are not completing a second closing later
Financing that is set up upfront for both construction and the long-term mortgage

During construction, funds are typically released in stages as work is completed (draws), and payments are often based on the amount drawn.

A Two-Time Close uses two separate closings : one for the construction loan and a second closing later for the permanent mortgage once the home is complete. At a high level, that can mean:

Two sets of closing costs/fees
A second approval step tied to the permanent mortgage
More sensitivity to changes in credit, income, or debt between the first and second closing

Which option is right?

There is no one-size-fits-all answer. The best structure depends on your build plans, your timeline, and the specific guidelines for the loan program and project. We’ll help you compare the options and choose the structure that fits your situation.

The Big-Picture Timeline: What to Expect (Start to Finish)

Construction loans can feel complicated until you see the full picture. Here’s the high-level timeline we walk through with VA construction buyers in North Carolina.

Early Planning and Pre-Qualification

This is where we look at the basics. We’ll start by reviewing VA eligibility basics, your budget range, and your target timeline. Then we’ll talk through the moving parts that are unique to a construction loan.
Choose Your Builder (and Align the Plan)

Construction financing requires more upfront detail than a standard purchase. Once you select a builder, you’ll align on the core items the loan will be built around:

- Plans and specifications
- Budget
- Construction timeline
- Contract terms
Land: How it Fits into Your Construction Loan

Some buyers already own land, while others plan to purchase land as part of the overall project. For some buyers, land is still the part of the plan that needs to be finalized. The important part is making sure the land approach aligns with the loan structure and your overall budget, since construction financing can accommodate land in more than one way depending on how the loan is set up.
Submit Plans, Specs, and Contract for Review

By this stage, all the details come together for formal review. You’ll submit the plans, specifications, and contract so the full scope of the project can be evaluated. Underwriting and the construction team need a clear picture of what’s being built, who’s building it, and how the budget is structured.
Full Loan Application and Approval

Once the builder and project documents are in, you’ll complete the full loan application and the file moves into underwriting. During this phase, your qualifications and the construction details are reviewed together so everyone is working from the same complete picture.
Closing

When underwriting is complete, you’ll move to closing. Depending on whether you’re using a One-Time Close or a Two-Time Close structure, this is either the single closing that sets the full project in motion, or the first of two.
Construction Begins and the Draw Process Starts

Once construction begins, funds are typically released in stages called draws, as work is completed and verified. During the build, payments are often structured as interest-only based on the amount drawn, rather than the full loan amount. The draw schedule and inspection process help keep the project aligned with the budget and build progress.
Final Inspection and Closeout

When the home is built, a final inspection is completed, and the construction phase is closed out. From there, the financing transitions into the long-term mortgage based on the structure used, and the project is finalized for move-in.

Construction Lending Experience Matters in NC

In North Carolina—especially across the Triad— construction financing tends to move more smoothly when you work with a team that’s comfortable with the process.

Construction loans involve builder documentation, detailed plans and budgets, and a draw process that has to stay aligned with the build timeline. The goal isn’t just getting approved, it’s setting the project up with clear expectations so the build can stay on track.

FAQs

Can you use a VA loan to build a house in North Carolina?
Yes. Eligible VA borrowers may be able to use their VA benefit to finance the construction of a new primary residence in North Carolina, depending on the loan structure and program guidelines.

Do you have to own land before getting a construction loan?
Not always. Some borrowers already own land, while others purchase land as part of the overall construction plan, depending on how the loan is set up.

When do payments start on a construction loan?
During the construction phase, payments are typically interest-only and based on the amount that has been drawn, not the full loan amount.

What’s the difference between a One-Time Close and a Two-Time Close?
A One-Time Close combines construction and the permanent mortgage into one closing, while a Two-Time Close uses a separate construction loan and a second closing for the permanent mortgage once the home is complete.

A quick way to remember it: OTC = one closing . TTC = two closings (one to build, one when it’s finished).

Is a One-Time Close or Two-Time Close better?

It depends on your build, timeline, and program guidelines. The best option is the one that fits your project and keeps expectations clear from day one.

If you’re thinking about building in Winston-Salem or anywhere in the Triad, we can walk through your VA eligibility, your land/build plan, and whether a One-Time Close or Two-Time Close structure makes the most sense for your timeline.

Ready to turn plans into your new address? Call the Sharpe Mortgage Team at (336) 575-9448 to talk through your VA construction loan options.

Why Construction Loans Fail in Underwriting (And How to Avoid It)!

Fri, 06 Feb 2026 15:58:13 GMT

Most construction loan issues don’t happen mid-build. They happen before construction ever starts . Here are the most common reasons construction loans fail — and how to avoid them.

Incomplete Builder Documentation
Missing licenses, insurance, or vague contracts can derail approval quickly.
Unrealistic Budgets
Appraisers rely on plans and specs. If costs aren’t realistic, the value won’t support the loan.
Borrower Qualification Changes
Because construction loans are underwritten upfront, job changes, new debt, or credit hits can cause problems later.
Poor Draw Planning
If draw schedules aren’t aligned with real construction timelines, cash flow issues arise

How to Avoid These Issues

Involve your lender early
Use experienced builders
Lock down plans, specs, and budgets
Don't treat construction financing like a standard mortgage

Bottom Line

Construction loans succeed when they’re structured properly from day one. The goal isn’t just approval—it’s a smooth build.

Call (336) 575-9448 to get started today.

Documents for a Smoother Loan Approval

Mon, 02 Feb 2026 19:35:49 GMT

One of the easiest ways to keep your loan on track is to have the right documents ready from the start.

Underwriting is a verification process. The goal is to confirm your income, assets, and overall financial picture so your loan can be approved with confidence. When the right documents are provided early (and in the right format), the process tends to feel smoother, faster, and a lot less stressful.

Below is what most buyers should be prepared to provide, along with a few tips that can help prevent delays.

Proof of Identity

This is the straightforward part, but it matters. Most buyers will need a valid driver’s license or state-issued ID, and your loan application will capture your Social Security number as part of the process.

Income Documents

Income is one of the biggest pieces of loan approval, and the documentation depends on how you’re paid. For W-2 employees, you’ll typically be asked for recent pay stubs (often covering about 30 days) and W-2s from the last couple of years.

Self-employed borrowers, commissioned earners, or anyone with variable income usually needs a bit more detail. In those cases, underwriting often requests personal tax returns (commonly two years), plus business tax returns when applicable. It’s also common to provide a year-to-date profit and loss statement, and sometimes a balance sheet depending on the scenario.

Other income sources may require their own supporting documents as well. For example, Social Security, pension, disability, rental income, or support payments you want included may call for award letters, leases, or documentation that shows the income is consistent and likely to continue.

One helpful tip here: if you already know your income is “non-standard,” tell us upfront. It’s not a problem, it just changes the document plan

Bank Statements and Assets

Underwriting also verifies your funds. That includes the money you’ll use for your down payment and closing costs, plus any reserves that may be required. Most buyers will provide recent bank statements, typically the last one to two months. If you’re using (or need to document) retirement or investment funds, you may also be asked for those statements.

A few things can create extra questions even when everything is perfectly fine: large deposits that aren’t clearly sourced, cash deposits, cropped statements, or screenshots that don’t show the full account details. Transfers between accounts can also slow things down because they create a paper trail that underwriting may need to follow. When possible, it’s best to keep funds steady once we’ve documented them.

Gift Funds

If a family member is helping with funds, that can be a great option, but it needs to be documented correctly. Typically, that includes a signed gift letter and a clear record showing the money leaving the donor’s account and arriving in yours (or being sent directly to closing, depending on the method). The most important advice here is simple: talk to us before money moves. That one step can prevent a lot of avoidable follow-up later.

Credit and Debt Follow-Ups

Even when your credit is solid, underwriting may still ask for clarification on certain items that appear on the credit report. That can include explanation letters for a recent inquiry or a late payment, documentation for a debt that doesn’t match what’s reporting, or proof that a debt has been paid off if it’s needed for qualification.

This isn’t a red flag. It’s just the underwriter making sure every part of the file is supported so the approval is clean.

Housing History (Sometimes Needed)

In some cases, underwriting may want to confirm housing history, especially if you’re currently renting. That might involve landlord contact information, a verification of rent, or proof of on-time payments depending on the loan scenario. Not every file requires this, but it’s good to be aware of it so it doesn’t catch you off guard.

A Few Tips That Help Everything Move Along

Gather documents early, even before you tour homes seriously
Reply quickly to document requests, even if it’s “I’ll have this tomorrow”
Keep big financial changes on pause during the process (new credit, new debt, job changes)
When in doubt, ask. We’d rather answer a quick question than untangle an avoidable issue later

One Quick Note for After You're Under Contract

Pre-approval is about you: income, assets, and credit. Once you’re under contract, we’ll also collect a couple quick items to keep underwriting moving, like earnest money verification and your homeowner's insurance information.

Bottom Line

Loan approval doesn’t have to feel overwhelming. Most delays happen when documents are missing, incomplete, or submitted in a way underwriting can’t use. A little preparation upfront can make the entire process feel calmer and more predictable.

Ready to get pre-approved with confidence? The Sharpe Mortgage Team will walk you through what you need based on your specific scenario, help you stay one step ahead of underwriting, and keep the process moving.

Call (336) 575-9448 to get started today.

VA Construction Loans in NC: What Veterans Need to Know Before They Build

Thu, 29 Jan 2026 12:31:36 GMT

Many Veterans don’t realize they can use their VA benefit to build a home. VA construction loans exist—but they are very different from traditional VA purchase loans.

Can You Build With a VA Loan?

Yes. A VA one-time close construction loan allows eligible Veterans to:

Buy land
Build a home
Convert to permanent VA financing all in one loan.

Key Benefits

0% down payment (in most cases)
No monthly mortgage insurance
Competitive interest rates
One closing instead of two

The Catch (and Why Lender Experience Matters)

VA construction loans require:

VA-approved builders
Detailed plans and specs
Strict draw inspections
Strong upfront structuring

Many lenders don’t offer these loans because of the complexity. Those that do must understand both VA guidelines and construction logistics.

Timeline Reality Check

VA construction loans take longer upfront than a standard purchase. Planning early avoids frustration later.

Bottom Line

If you’re a Veteran thinking about building, a VA construction loan can be an incredible benefit—but only with the right lender and builder team in place.

We’re here to help when you’re ready. Call (336) 575-9448 to get started today!

Construction vs. Buying a Completed Home: Which One Makes More Sense?

Mon, 26 Jan 2026 17:21:40 GMT

If you’re house hunting in the Triad, you’ve probably asked the question: Do we build, or do we buy something that’s already done? Both paths can be smart. They just come with different trade-offs, and the best choice usually depends on your timeline, budget, and comfort zone.

Below is a simple breakdown to help you decide which option may be the best fit for you.

Building a Home

Why it can be a great move

Building can be a great fit if you want more control over the end result. Even when you’re selecting from a builder’s existing plans, you may still have options for layout adjustments, finishes, and upgrades that help the home feel more like you from day one. Another perk is that everything is new, which often means fewer immediate repairs early on. Depending on the builder and the home, there may also be warranty coverage on certain items, which can add peace of mind. Plus, new construction typically includes updated materials and modern systems that can improve comfort, efficiency, and maintenance in those first few years of homeownership.

What to watch for

Building also comes with a few things to plan for on the front end. Timelines can shift due to weather, permitting, supply chain delays, or inspection scheduling, so if you have a firm move date, that uncertainty matters. Costs can move around too. Model homes are designed to impress, and it’s easy for “upgrade creep” to kick in once you start adding finishes, selections, and possible lot premiums. And depending on the type of build, financing may involve more steps than a standard purchase, with additional timing considerations along the way.

Buying a Completed Home (Move-In Ready)

Why buyers love it

Buying a completed home appeals to a lot of buyers because it’s usually simpler and more predictable. You can tour the home, schedule an inspection, and move forward with a more predictable closing timeline. What you see is what you get too. The neighborhood feel, commute, yard size, storage, and natural light are all right in front of you, rather than based on plans or a model. And depending on the home and the market, there may also be room to negotiate on price, repairs, or closing costs.

What to watch for

The trade-off with a completed home is that it can come with a little more history. Even well-cared-for homes may have older systems or maintenance needs, and some repair costs can pop up sooner than you’d like. You may also need to compromise — maybe you love the location, but the layout isn’t perfect, or the home checks most boxes but the kitchen isn’t your style. It often comes down to prioritizing what matters most and deciding what you’re willing to update over time.

A Simple Way to Choose

If you’re stuck between the two, ask yourself:

How flexible is our move timeline?
Do we want customization, or simplicity?
How comfortable are we with variable costs?
Are we set on a specific neighborhood or school zone?

When those answers are clear, the decision usually gets easier.

We're Here to Help

Whether you’re leaning toward new construction or trying to win a move-in ready home, the Sharpe Mortgage Team can help you compare scenarios and understand how each path impacts your budget, timing, and monthly payment.

Want to talk it through? Call (336) 575-9448. We’ll help you map out your next step.

How Construction-to-Perm Loans Work in North Carolina (From a Local Lender)

Thu, 22 Jan 2026 21:20:56 GMT

Building a home is exciting — financing it is where things often feel confusing. A construction-to-perm loan (also called a one-time close construction loan) is designed to simplify that process by combining construction financing and permanent financing into one loan.

Here’s how it works in North Carolina.

Step 1: One Loan, One Closing

Instead of taking out a short-term construction loan and refinancing later, a construction-to-perm loan closes once at the beginning. That means:

One set of closing costs
One approval process
No second underwriting after construction

Step 2: Construction Phase

Once the loan closes, funds are released to the builder in stages called draws . Draws correspond to construction milestones (foundation, framing, drywall, completion, etc.).

During construction:

You typically make interest-only payments
Payments are based only on funds that have been drawn
Inspections are completed before each draw is released

Step 3: Conversion to Permanent Mortgage

After the home is complete and receives a Certificate of Occupancy, the loan automatically converts into a standard mortgage — usually a 30-year or 15-year fixed, or ARM.

No re-qualifying. No re-closing.

What Makes NC Construction Loans Different

North Carolina construction lending is more documentation-heavy than many borrowers expect. Builder approval, detailed plans, specs, contracts, and timelines all matter. Working with a lender who does this regularly makes the difference between a smooth build and a stalled one.

Bottom Line

Construction-to-perm loans are powerful, but only when structured correctly from day one. The earlier the lender is involved, the smoother the entire build becomes.

We’re here to help when you’re ready. Call (336) 575-9448 to get started today!

Birkin's Top 3 Construction Loan Myths

Fri, 16 Jan 2026 18:16:48 GMT

Hi. Birkin here. I have two jobs: supervise treats and help humans simplify things that sound complicated.

“Construction loan” is one of those phrases that makes people assume the process is impossible unless you have unlimited money, unlimited patience, and a contractor who texts back within 3 minutes. The truth? It’s more straightforward than you might expect.

Let’s bust the three most common construction loan myths we hear, so you can decide if building is a real option for you.

Myth #1: "Construction loans are only for people with a massive down payment."

Reality: Construction loans often require more money down than a standard purchase loan, but “massive” is not a universal rule.

Down payment requirements can vary based on the lender, the program, your credit and income profile, and the details of the build. In some cases, land equity can help . If you already own the lot, that value may be able to offset part of what you’d otherwise need to bring in cash (depending on the loan program and how the land is titled/financed).

What to know: Down payment requirements vary, and the goal is clarity upfront. Think of it like my treat budget: we’re not guessing, we’re mapping out what’s needed for your build and what options you can use to get there.

Myth #2: "You get all the funds upfront, and you can change things anytime."

Reality: Construction financing is structured around a defined plan, and lenders do not typically hand you the full loan amount on day one.

Most construction loans work on a budget + timeline model. That means your plans, specs, and costs matter. The project is reviewed upfront, and the loan is set up with guardrails. Changes can happen, but they’re not always simple, because they can impact cost, timing, and approvals.

What to know: Construction loans run on a defined scope and budget, and changes can ripple into cost and timing. It’s like my daily walks: a little flexibility is fine, but the smoother builds start with a solid route and fewer surprise detours.

Myth #3: "It's just like a regular mortgage. You start paying the full payment right away."

Reality: Construction loans are typically funded in stages, and the payment structure during the build is often different than a traditional mortgage.

During construction, funds are usually released in draws as work is completed. That means the builder is paid in phases, not all at once. During the build, many borrowers make payments based on what has been drawn so far , which can look very different than a standard monthly mortgage payment.

What to know: The process is designed to match the build timeline, portioned and timed like my kibble. Funds are released in stages, and payments often reflect what’s been drawn, so it’s structured, not just guesswork.

A quick bonus myth Birkin hears a lot

Some buyers assume building always means two closings. Sometimes it does. Sometimes it doesn’t. There are construction loan structures that can be set up to reduce the number of times you close, depending on the program and the lender. Our One-Time Close (OTC) construction loan lets you close once upfront for both the construction phase and the permanent mortgage.

It's worth a quick conversation early so you’re not planning around the wrong version of the process.

Ready to build with less stress and confusion?

If you’re thinking about building in the Triad or surrounding area, the Sharpe Mortgage Team can help you understand how construction financing works, what the timeline typically looks like, and what you need from a builder to get started.

We’re here to help when you’re ready. Call (336) 575-9448 to get started today!

A Quick 2026 Update That Could Expand Your Options in the Triad

Tue, 06 Jan 2026 18:22:27 GMT

If buying a home in the Triad or surrounding area is on your 2026 to-do list, here’s an important update to know early.

Loan limits are officially higher for 2026. It sounds technical, but it can affect how much home you can finance and which loan options may fit your needs, especially if you’re shopping in a higher price range.

Here’s the simple breakdown.

Conventional Loans: Up to $832,750 in Many Areas

For many counties, the 2026 conforming (conventional) loan limit is now up to $832,750. If your budget is near last year’s ceiling, this update may help you:

Avoid jumbo financing
Qualify under more flexible guidelines
Use a lower down payment than you might expect

Bottom line: depending on where you’re buying, you may not need to move into a jumbo loan as quickly as you would have last year.

FHA Loans: $541,287 in Most Areas

For most areas, the 2026 FHA loan limit is $541,287 , with higher limits available in select counties. FHA can be a strong option if you’re looking for:

A low down payment (starting at 3.5% )
More flexible credit guidelines
The ability to use gift funds

If you assumed FHA wouldn’t work because of loan limits, this update may give you a little more breathing room.

VA Loans: Up to $832,750 in Most Areas

For eligible VA borrowers, limits are also higher in 2026. In most areas, that means up to $832,750 , higher limits may be available in certain markets. That can mean:

More buying power
No down payment required (for qualified borrowers)
Competitive rates and flexible guidelines

If you’re a Veteran or active-duty service member in the Triad and haven’t revisited your numbers recently, this is a great reason to.

Why This Matters

Many homebuyers are still working off last year’s numbers. With the new limits in place, you may have more flexibility than you think as you start your search.

These new limits are helpful, but the real question is how they apply to your plans. If you want clarity before you start touring homes, the Sharpe Mortgage Team can walk through your options and make sure you’re working with the right numbers.

 Ready when you are. Call (336) 575-9448 to get started!

New Year, New Home Goals: A Simple Plan to Make It Happen

Tue, 30 Dec 2025 17:41:44 GMT

There’s something about a new year that makes fresh starts feel possible. Maybe your “new home” goal is a bigger kitchen, a quieter street, or finally getting out of the rent cycle. Whatever your vision looks like, now is a great time to turn that idea into a homeownership plan you can follow.

Step 1: Define your goal (and your comfort zone)

Before you jump into listings, take a moment to get clear on what a “new home” really means to you. What would make your day-to-day life easier or better? More space, a shorter commute, a yard, a home office, a different school district?

Along with preferences, identify a monthly payment range that feels comfortable for your life, not just what a lender might approve. When you know your priorities and your comfort zone, you’ll be able to shop with more confidence and less stress.

Step 2: Get pre-approved (so you're shopping with real numbers)

Scrolling homes online is fun, but it’s smart to confirm your price point before you fall in love.

Pre-approval gives you a realistic estimate of your payment and puts you in a stronger position when you’re ready to make an offer. It’s also the perfect time to talk through options like down payment ranges, ways to structure closing costs, and what to expect with documentation.

Step 3: Shop with a strategy (not just a wish list)

Once you’re pre-approved, focus on homes that fit your goals.

A smart strategy includes a few practical decisions.

Non-negotiables vs. nice-to-haves: what you truly need, and what you’d love if the right home checks the rest of the boxes
Neighborhood priorities: commute time, schools, lifestyle, and resale considerations
Offer readiness: knowing what matters beyond price, like timelines, contingencies, and financing terms

This is where having the right team matters, because good strategy helps you compete without overextending.

Step 4: Close with confidence (and fewer surprises)

Once you’re under contract, there are a lot of moving pieces, like inspections, appraisal, underwriting, and the final walk-through. It may sound overwhelming, but with a clear plan and strong communication, the closing process becomes a series of manageable steps. Our team will keep you informed, organized, and moving forward so you’re not left wondering what’s next or stressed about every update.

Start where you are

Whether you’re ready to buy now or still exploring your options, getting clarity early helps you make confident decisions when the right opportunity comes along.

If a new home is on your goal list this year, the Sharpe Mortgage Team would love to help you take the next step. Whether you’re ready to start the pre-approval process or you simply want to talk through your options, reach out anytime. We’re here to answer questions, help you build a smart plan, and simplify your path to homeownership.

Ready to get started? Call us at (336) 575-9448 !

Happy Holidays from the Sharpe Mortgage Team

Tue, 23 Dec 2025 19:05:28 GMT

As the year winds down and holiday celebrations begin, we wanted to pause for a moment and simply say thank you.

Thank you for trusting us with such a meaningful part of your life.

Whether you bought a home this year, refinanced, started your pre-approval journey, or just reached out with questions, we’re grateful to be in your corner. Home is never just a transaction. It’s where real life happens. Family dinners, quiet mornings, loud game nights, and fresh starts. Getting to play even a small role in that is something we don’t take lightly.

This season also has a way of reminding us what “home” really means. For some, it’s a house filled with people, or a smaller space with a big sense of peace. For others, it’s a place that’s still being built, financially, emotionally, or literally. Wherever you are on that spectrum, we’re cheering you on.

We’re also especially thankful for our community here in Winston-Salem and throughout the Triad. The relationships we’ve built with local families, real estate partners, and small businesses are the reason we love what we do.

From all of us at the Sharpe Mortgage Team, we wish you a warm, happy holiday season and a healthy, hope-filled New Year. May your home feel extra cozy, your table feel full (in all the best ways), and your days include at least a few quiet moments to breathe .

Winter Homeowner Tips That Pay Off All Season Long

Thu, 18 Dec 2025 14:27:14 GMT

Winter has a way of revealing the “little things” in a home. The draft you never noticed in October. The gutter that was “fine” until the first cold rain. The door that suddenly won’t latch once the temperature drops.

The good news: a few simple habits (plus a couple of smart upgrades) can make your home more comfortable, safer, and easier on your wallet through the cold months. Here are some winter homeowner tips we love because they’re practical, doable, and they actually make a difference.

1. Stop drafts before they start spending your money

If your house feels chilly even with the heat running, air leaks are usually the culprit. Take a slow lap around exterior doors and windows and see where cold air is sneaking in. Replacing worn weatherstripping, adding a door sweep, or sealing small gaps can make your home feel noticeably warmer without touching the thermostat. And don’t forget the sneaky spots: the door from the garage into the house and attic access points are common draft zones.

2. Give your heating system a winter reset

Your HVAC has one job right now, and it’s working overtime. Swapping the air filter is a simple step that helps airflow and efficiency immediately. It’s also worth checking that vents aren’t blocked by furniture or rugs, which can make rooms feel uneven and force the system to work harder. If you have a maintenance plan (or it’s been a while), a seasonal checkup can prevent those mid-winter surprises no one wants to deal with on a freezing night.

3. Protect pipes before the temperature drops

Frozen pipes are one of those homeowner issues that can escalate fast. Disconnecting hoses and protecting outdoor spigots is a great start, but don’t stop there. If you have exposed pipes in a crawl space, basement, or garage, adding insulation can help prevent freezing during cold snaps. And if you’re traveling, keep the heat set to a safe temperature instead of turning it off completely. Protecting your plumbing is one of the most “boring-but-brilliant” winter moves you can make.

4. Do a quick roof and gutter check

Winter weather is unforgiving when it comes to small roof problems. A loose shingle or clogged gutter might not look like a big deal—until water ends up where it shouldn’t. From the ground, look for anything that seems out of place along the roofline and make sure gutters aren’t packed with debris. You’re aiming to help water move away from your home, not pool near the foundation or find a shortcut into your attic.

5. Prioritize fireplace and heater safety

If you’re using a fireplace or space heater, a few safety checks can keep “cozy” from becoming risky. Fireplaces and chimneys should be inspected and cleaned as recommended, and space heaters need space — keep them away from curtains, bedding, and anything flammable. This is also a great time to test smoke and carbon monoxide detectors and swap batteries if needed. It’s a five-minute task that protects your home and everyone in it.

6. Make walkways and entrances safer

Winter in the Triad can be unpredictable, and slick steps or dim walkways are an accident waiting to happen. Replace burned-out exterior bulbs, add a sturdy mat or traction strip where things get slippery, and keep ice melt or sand nearby so you’re not scrambling when temperatures dip. These are small upgrades that make coming and going easier all season long — especially with kids, pets, or arms full of groceries.

Bottom line

Winter homeownership isn’t about doing everything. It’s about handling the right things early so they don’t turn into expensive surprises later. And if you’re weighing your next step — whether that’s refinancing, renovating, or planning for a future purchase — the Sharpe Mortgage Team is here to help you run the numbers and talk through smart options. Have questions about home financing in Winston-Salem or the surrounding area? Reach out to the Sharpe Mortgage Team at (336) 575-9448 . We’re always happy to help.

Community Holiday Activities in Winston-Salem

Thu, 11 Dec 2025 13:03:38 GMT

From twinkling lights at Tanglewood to Moravian candles in Old Salem, Winston-Salem celebrates the holidays with serious style. Whether you’re new to the Triad or have been here for years, there are plenty of ways to soak up the season close to home.

Here are a few favorites to put on your list.

Tanglewood Festival of Lights

A classic for a reason. Each year, Tanglewood Park transforms into a drive-through winter wonderland with miles of light displays. Make it an easy weeknight outing with cozy clothes, a thermos of hot chocolate, and your favorite playlist. If you want to level it up, look into booking a horse-drawn carriage or hayride through the lights.

Holidays in Old Salem

Old Salem is charming any time of year, but the holidays are especially magical. Seasonal programming often includes Moravian music, decorations, and hands-on activities in the historic buildings. Keep an eye out for special events or evening tours if you want a deeper look at local traditions.

Downtown Christmas Tree and Skating

While you’re out enjoying downtown Winston-Salem this month, stop by the Christmas tree at Corpening Plaza. It’s a great spot for a quick photo, a short walk, and a little extra holiday spirit in the middle of a busy season. For more winter fun, you can lace up for public ice-skating sessions at the Winston-Salem Fairgrounds Annex .

Holiday Performances

If you love a good show, this is your season. Be sure to catch the local production of “A Christmas Carol” a beloved favorite put on by The Little Theater of Winston-Salem. It’s sure to be a great way to slow down for a couple of hours and enjoy the music, costumes, and seasonal story.

Home for the Holidays

For our team, these community events are part of what Winston-Salem feel like home. Its kids bundled in the backseat on the way to see the lights, neighbors meeting for the first time at a parade, or friends gathering in the kitchen after a show.

If you’re thinking about putting down roots in the Triad, the Sharpe Mortgage Team is here to help. We’ll walk you through your options, answer questions, and help you find a home base that fits your life in every season.

Ready to explore your next move? Call the Sharpe Mortgage Team at (336) 575-9448 to get started.

How to Use Gift Funds for a Down Payment on a Home

Tue, 02 Dec 2025 21:12:28 GMT

Saving for a down payment is often the biggest challenge buyers face. With rent, rising prices, and daily expenses, it can feel impossible. For many, a financial gift from family makes homeownership possible.

Around the holidays, some families choose to turn part of their gift-giving into something bigger, like helping with a down payment. But gift funds can be used at any time of year, and lenders work with them regularly. The key is knowing the rules and getting the details right from the start.

What Are Gift Funds?

Gift funds are money someone gives you to help purchase a home, with no expectation of being paid back.

Depending on your loan, gift funds may go toward your down payment, closing costs, and sometimes required reserves.

Gift funds cannot be treated as a secret loan. If there is an agreement to repay the money later, it may cause problems with your mortgage approval and could even violate the rules of the loan.

Who Can Give a Down Payment Gift?

Different loan programs have their own rules, but in general, acceptable donors are usually immediate family, which often includes:

Parents or step-parents
Grandparents
Siblings and children
Spouses and domestic partners
In many cases, a fiancé or longer-term romantic partner

Gift funds cannot come from anyone who benefits from the sale, such as:

The seller
Your real estate agent
The builder or developer
Anyone else who might be paid a commission on the transaction

Gift funds are generally for primary residences and sometimes second homes but are usually not allowed on investment properties. Your lender will look at who gave the money and how you are related, so be upfront about it early in the process.

How to Document Gift Funds the Right Way

Lenders are required to verify the source of your down payment and confirm that gift money is, in fact, a gift. That means a clear paper trail is a necessity.

Here’s what that usually involves:

Talk to Your Lender First

Before anyone writes a check or sends a wire, have a conversation with your loan officer. They will be able to tell you what your loan program requires, so you don’t have to guess.

Get a Gift Letter Signed

Most lenders require a signed gift letter with the following information:

Donor’s name and contact information
Their relationship with you
The exact amount of the gift
A statement that the funds are a gift and do not need to be repaid

Your lender will likely provide a simple template to make it easy.

Show Proof of the Donor’s Funds

In some cases, the donor may be asked to provide a recent bank statement or similar document to prove they had the funds available before the gift. This helps the lender verify that the money is legitimate and was not borrowed elsewhere.

Show Proof of the Transfer

You’ll also need to document how the money was deposited into your account. This can include:

A copy of the cashier’s check or wire confirmation
The donor’s bank statement showing the withdrawal
Your bank statement showing the deposit

It’s important to avoid large, unexplained cash deposits. Without clear documentation, it’s one of the most common reasons gift funds create delays.

How the Sharpe Mortgage Team Can Help

Using gift funds doesn’t need to be complicated. With the right guidance, it can be just another step in your homebuying plan.

If you’re thinking about using a financial gift for your down payment, don’t hesitate to reach out.

Our team can:

Explain how gift funds work for your loan type
Provide the right gift letter and documentation checklist
Help you and your family members feel comfortable with each step

Ready to talk through your options? Contact The Sharpe Mortgage Team at (336) 575-9448 to get started with a personalized plan.

Supporting Winston-Salem Small Business Owners for Small Business Saturday

Fri, 21 Nov 2025 16:43:41 GMT

Thanksgiving weekend is famous for Black Friday and Cyber Monday. Big-box deals, online carts, and doorbusters get most of the headlines.

But the most important shopping day for Winston-Salem might be the quiet one in the middle: Small Business Saturday , the Saturday after Thanksgiving, was created to encourage people to shop with small, local businesses.

When you choose local that day, you are not just crossing names off a gift list. You are helping your neighbors pay employees, renew their leases, sponsor youth sports, and keep our city’s favorite streets vibrant.

What Is Small Business Saturday?

Small Business Saturday began in 2010 as a national initiative to shine a spotlight on independently owned shops and services. It falls every year on the Saturday after Thanksgiving and sits right between the biggest days for national retailers and online giants.

In Winston-Salem, the “City of Arts and Innovation,” that mission fits perfectly. Our local economy is powered by artists, makers, restaurateurs, boutique owners, coffee shop baristas, fitness studios, and professional services that all call this community home.

Where to Shop Small in Winston-Salem

You could spend all weekend exploring Winston-Salem’s neighborhoods and still not hit every local gem, but here are a few good places to start.

Downtown Arts District and Trade Street

Stretching along Trade and Liberty Streets between Fifth and Seventh, the Downtown Arts District is packed with galleries, studios, boutiques, and restaurants. It is a colorful mix of vintage clothing, handmade jewelry, local art, candles, and one-of-a-kind gifts from Winston-Salem creatives.

If you want a gift that feels personal and unique, this is a great place to wander with a hot coffee in hand and see what catches your eye.

Reynolda Village and the Reynolda Road Shopping District

Reynolda Village sits on the historic R.J. Reynolds estate, with former working buildings now home to shops and restaurants. The area feels like a small English village and offers everything from clothing and home décor to student art galleries and cozy places to grab a bite.

It is a perfect spot to tackle your holiday list, then linger over lunch or a warm drink at a local café.

Local Markets and Pop-Up Events

Beyond shops and restaurants, Winston-Salem also has a strong market scene. Seasonal vendor markets like Winston Junction Market and the Water Tower Market at Radar Brewing bring together local makers, bakers, artists, and vintage sellers under one roof.

Around the holidays, you will often find special Small Business Saturday events, craft fairs, and markets. Before that weekend arrives, check the Visit Winston-Salem events calendar to see what is happening this year and plan your route.

And of course, do not forget the small businesses right in your own neighborhood: hair stylists, gyms, yoga studios, repair shops, and family-owned restaurants that rely on local support.

Every purchase and every review adds up. For small business owners, a busy Small Business Saturday can set the tone for their entire holiday season.

How the Sharpe Mortgage Team Supports Local Business

The Sharpe Mortgage Team is proud to count itself among Winston-Salem’s local businesses. Our team lives here, works here, and partners with other small businesses across the Triad.

When you work with a local mortgage team, you are doing more than getting a home loan:

You are tapping into a network of local real estate agents, attorneys, inspectors, insurance agents, and other professionals.
You are working with people who understand Winston-Salem neighborhoods, market trends, and property values.
You are helping keep more of your dollars in the local economy instead of sending your loan off to an anonymous call center in another state.

We see firsthand how homebuyers support small businesses once they settle in: they hire local movers, shop at nearby hardware stores, pick out décor from downtown boutiques, and become regulars at local restaurants and coffee shops.

Make Small Business Saturday a Winston-Salem Tradition

This Small Business Saturday, consider skipping at least a few of the big-box lines and spending that time exploring Winston-Salem’s streets, villages, and markets instead. You will find real stories behind the products, more personal service, and the satisfaction of knowing your dollars are staying close to home.

And if buying or refinancing a home is part of your plans this season, the Sharpe Mortgage Team is here to help you navigate your options and feel confident about your next steps.

Have questions about home financing in Winston-Salem or the surrounding area? Reach out to the Sharpe Mortgage Team at (336) 575-9448. We are always happy to talk about numbers, neighborhoods, and your next move.

Got a Rate in the 6s or 7s? Here's When a Refi (or Cash-Out) Start to Make Sense

Tue, 18 Nov 2025 21:53:56 GMT

If your mortgage rate starts with a 6 or a 7 , you’re not alone.

After the last few years of fluctuation, a lot of homeowners landed in that range and are now asking the same question:

“If I’m already in the 6s or 7s… is it even worth looking at a refinance or cash-out?”

The short answer: maybe.
The better answer: it depends on your goals, not just the number on your statement.

Let’s walk through when that 6- or 7-something rate might actually be an opportunity, when it makes sense to sit tight, and how to get clear answers without doing any math on your own.

Where Rates Are Sitting Now (and Why Your Number Might Feel "Stuck")

We’re still in a world where most 30-year fixed mortgage rates land somewhere in the 6s, and on some days in the 7s. That’s very different from the ultra-low rates we saw a few years ago, which is why so many homeowners feel like they missed out.

Now, even small shifts in the market can create windows of opportunity. The key is understanding what that opportunity looks like for you .

If Your Rate Starts with a 7, Don't Ignore It

Let’s say your current rate is 7-point-something. You make your payment every month, but you keep hearing that rates have eased a bit from their highs.

Here’s why refinancing is worth serious thought in that situation:

Small changes can add up.
Dropping even a fraction of a percent on a larger loan, over 20–30 years, can mean money back in your budget.
You might be able to reset your term.
Maybe you’re a few years into your 30-year loan. A refi could let you move into a new 30-year with a lower payment, or even a shorter term (20 or 15 years) while keeping your payment manageable.
You can clean up your financial picture.
If you’re also juggling high-interest credit cards or personal loans, a cash-out refinance may let you tap home equity to consolidate those balances into one payment at a lower rate than your other debts.

None of this means “everyone in the 7s should refinance.” But if this sounds like you, it’s absolutely worth having our team run the numbers so you can see the full picture.

Already in the 6s? Now It's More About "Fit" Than FOMO

Being in the 6s is a little more nuanced. You might not see a huge rate drop, so this becomes less about chasing the lowest possible number and more about whether your current loan still fits your life .

A refinance might still make sense if:

You’re in the high 6s and today’s options are meaningfully lower.
You’d benefit from switching loan types, such as:
FHA to conventional to remove monthly mortgage insurance (if you now have enough equity), or
ARM to a fixed rate if you’d sleep better with a stable payment.
You’re ready to tap equity for a clear, specific reason: maybe a major remodel, a new roof, or consolidating higher-interest debts into one structured payment.

In these cases, the “win” isn’t always a dramatically lower rate. Sometimes it’s a more predictable payment, short path to being debt free, or the ability to tackle big projects without turning to credit card debt.

Refi, Cash-Out, or Stay Put? Think of It as a Mortgage Checkup

The easiest way to make sense of all this is to treat it like a checkup for your mortgage.

When you talk with the Sharpe Mortgage Team, we can walk through:

Your current rate, balance, and remaining term
Your estimated home value and available equity
A few simple “what if” scenarios

From there, you can see how your monthly payment would change, how long it will take to break even on closing costs, and even the total interest you’d pay in each scenario over time. Allowing you to easily decide if a refinance or cash-out is right for you.

Ready for Your Mortgage Checkup?

Contact the Sharpe Mortgage Team at (336) 575-9448 to start your personalized refi or cash-out review.

You bring your “6 or 7.”

We’ll help you decide what to do with it.

Start Strong with the FHA Home Start Advantage

Wed, 12 Nov 2025 15:15:23 GMT

Moving is expensive. Between deposits, new furniture, and a dozen “we didn’t think of that” purchases, the first few months in a new home can feel tight. The FHA Home Start Advantage is designed to ease that early stretch without changing your loan long term.

What It Is

With Home Start Advantage, the seller or builder covers the interest portion of your mortgage payment for an agreed period, typically 1 to 6 months. During that time, you pay principal + escrow (taxes/insurance) only. That means smaller early payments while you’re getting settled.

A Quick Example

On a $290,000 purchase at 6.375%, Home Start Advantage could trim roughly $7,500 in interest over the first five months. That’s money you can redirect to furniture, paint, movers, or a rainy-day fund.

Why You'll Love It

Breathing room early on. Lower payments during the most expensive months of homeownership.
Same fixed loan. This isn’t a teaser rate—your loan terms stay the same.
Real savings. Less interest up front = more cash for your priorities.

Stand Out to Sellers

Sellers love options that attract buyers without cutting price. Asking your agent to explore Home Start Advantage can make your offer stand out, especially on new construction where builders often fund incentives.

When This Makes Sense

Home Start Advantage can be a great match for:

First-time buyers who want a smoother landing
Move-up buyers juggling overlapping costs
New-construction buyers (builders commonly participate)

Availability depends on your contract, eligibility, and whether the seller or builder opts in. We’ll map out options for your price point and the current market.

Our team will run your numbers, coordinate with your agent and the seller/builder, and show exactly how much you could save with Home Start Advantage.

Let's Make Your First Months Easier

Contact the Sharpe Mortgage Team at (336) 575-9448 and ask about the FHA Home Start Advantage .

Not a commitment to lend. All loans subject to credit approval and program availability. Seller/builder participation required. Terms may change without notice.

Breaking Down the Benefits of a VA Loan

Fri, 07 Nov 2025 20:03:48 GMT

If you’re an eligible service member, Veteran, or surviving spouse, a VA loan can make buying a home easier on both your savings and your monthly budget. Let’s go over all the benefits of a VA loan to help you understand what you actually get and what the terms mean.

What is a VA Loan?

A VA loan is a home mortgage issued by private lenders and backed by the U.S. Department of Veterans Affairs that helps eligible service members, veterans, and certain surviving spouses purchase or refinance a primary residence , often with $0 down and no PMI.

Who is Eligible?

Active-duty service members, Veterans, many Guard/Reserve members, and certain surviving spouses may qualify. Not sure of your eligibility? We can help you confirm your service and request your Certificate of Eligibility ( COE ), the VA’s official confirmation that you can use the benefit.

What are the Benefits of a VA Loan?

Lower Upfront Costs

$0 down. You can finance 100% of the purchase price. You’ll still have standard closing costs ; within VA rules, sellers can help cover some of them.
No PMI, ever. Private Mortgage Insurance (PMI) is an extra monthly fee added to most loans with less than 20% downs to protect the lender if the borrower defaults. VA loans don’t require it, which may save you money each month.
Funding fee, explained. Most borrowers pay a one-time VA funding fee. This is usually financed into the loan and helps keep the benefit available. Many Veterans with service-connected disability benefits, and some surviving spouses, may be exempt.

Easier to Qualify and Built Around Real Life

Competitive Rates. Because the VA backs the loan, pricing is often comparable to other popular loan programs.
Approval that looks at the full picture. VA considers residual income —money left after your housing payment, taxes, and major debts—to ensure the payment fits your day-to-day life, not just your credit score.

Property Protections So You’re Not Surprised Later

Appraisal with safety basics. The VA appraisal checks value and Minimum Property Requirements (MPRs), which include heat, water, roof condition, and other must-haves, so you’re less likely to inherit big problems.
Limits on certain fees. VA caps some charges to keep costs reasonable. Seller concessions (seller-paid costs) are allowed within VA rules and may further reduce what you’re required to bring to closing.

Flexibility Down the Road

A lifetime benefit you can reuse. Your VA entitlement (the VA’s backing on your loan) can be restored after you sell, and in some cases, you can have more than one VA loan if you have remaining entitlement.
Assumable loans can be a resale perk. With VA and lender approval, a qualified buyer may be able to assume (take over) your VA loan, including your rate. If rates are higher down the road, that could make your home stand out.
Simple to refinance when rates drop. Already have a VA loan? The IRRRL (Interest Rate Reduction Refinance Loan) can help lower your rate or payment with minimal paperwork. There’s also a cash-out refinance to access equity, if approved.

Let's Talk

If you’ve served, you’ve earned a powerful path to homeownership. The Sharpe Mortgage Team will help you confirm eligibility, compare VA side-by-side with other options, and outline clear next steps from pre-approval to closing so you know exactly what you can afford and why. Ready to put your benefit to work? Call us at (336) 575-9448 to get started.

Exploring Winston-Salem's Spookiest Spots

Mon, 27 Oct 2025 15:14:46 GMT

From Old Salem’s centuries-old legends to whispers on the grounds of Reynolda, Winston-Salem does spooky with serious style. Whether you’re in it for ghost lore, candlelit tours, or just the atmospheric history, here are some can’t-miss haunts.

Single Brothers' House & the "Little Red Man"

A famous Winston-Salem ghost story centers on Andreas Kermser, a prank-loving shoemaker who died in 1786 when a cellar excavation collapsed beneath the Single Brothers’ House. For generations since, staff and visitors have reported strange sounds and sightings of a figure in red.

Salem College & May Dell Amphitheater

Founded in 1772, Salem College has accumulated its share of legends, especially around Clewell and Babcock dorms and the wooded May Dell amphitheater. Students and visitors have long traded stories of unusual sights and sounds on quiet nights.

Salem Tavern Museum

Built in 1784 and quickly rebuilt after an earlier tavern burned, this bustling public house hosted travelers, traders, and President George Washington during his 1791 Southern Tour. Today the museum brings the 18 ^th century tavern to life and is even the centerpiece of many ghost tours.

Reynolda House & Gardens

Visitors sometimes mention seeing a “Lady in White” on the estate grounds—often associated with Katharine Smith Reynolds, whose vision shaped Reynolda. The house is also the site of one of Winston-Salem’s most debated tragedies, the death of Zachary Smith Reynolds by gunshot in 1932, an event that has fueled ghostly speculation for decades.

God's Acre

The Salem Moravian Graveyard may not be haunted, but it’s deeply atmospheric. Since 1771, Moravians have buried congregants here with identical flat stones—a powerful symbol of equality in death. If you visit this serene, historic place, please keep in mind that it is an active burial ground.

Want Backup? Go With a Guided or App-Guided Tour

If you’d like to be spooked but feel there is safety in numbers, there are plenty of options for guided or app-guided tours. If you’ve got the nerve, you might consider checking out the Old Salem Night Watchman Tours . These after-dark, lantern-lit walks take you through original 18 ^th century buildings while guides share real history and eerie lore.

Prefer to explore Old Salem’s spookier spots at your own pace? Consider a self-guided app-based tour .

Mind the Rules (so You Don't Get Haunted by Security)

Many of the places mentioned are museums, schools, and sacred spaces. Be sure to observe posted hours, stay on public paths and follow photography rules. Remember that Guided tours and special events often require advance tickets

Ready for a New (Ghost-Free) Home Base?

From pre-approval to closing, the Sharpe Mortgage Team makes the process clear and calm—no jump scares, just straight answers and on-time closings. Reach out at: (336) 575-9448 if you’re exploring a move across town or relocating to the Triad

Why Fall Still Favors Active Homebuyers

Thu, 23 Oct 2025 19:06:13 GMT

The Carolinas are gorgeous this time of year, and while the leaves are changing, one thing hasn’t: buyers who stay active in the fall often find great opportunities. Here’s a quick, no-jargon look at what’s happening and how it could impact your next move.

Home Prices Are Still Climbing—Just More Calmly

Even with higher interest rates this year, home values in many Carolinas communities continue to edge up thanks to steady job growth and people moving to the area.

What this means for you: Waiting on the sidelines can mean paying more later. Buying sooner puts you on the equity-building side of the equation.

Rates Are Bouncy—But That Can Work in Your Favor

Rates have been moving around as the Federal Reserve watches inflation and overall economic data.

What this means for you: Volatility creates windows of opportunity. If you’re pre-approved and ready, you can jump on a good day to lock—and you can always explore refinancing down the road if rates ease.

Inventory Is Tight—But Not Impossible

We’re not in the frenzied market of a few years ago, but there still aren’t enough homes for everyone who wants one.

What this means for you: Well-priced homes still move quickly. Being prepared (pre-approval in hand, documents ready) gives you an edge when the right home hits the market.

How to Shop Smart This Fall

Get pre-approved early. Know your monthly payment range before you fall in love with a house.
Ask for a payment game plan. We’ll run custom scenarios (different price points, down payments, and rate options) so you can compare real monthly numbers.
Consider concessions & credits. In some cases, sellers may help with closing costs or a temporary buydown—those can meaningfully lower your payment in year one and two.
Be flexible on “nice-to-have” features. A home that’s 90% of your wish list in a solid location can start building equity for you now.
Think long-term. If you plan to stay put for a few years, short-term rate noise matters less than long-term equity growth.

Bottom Line

The Sharpe Mortgage Team will help you move with confidence. Get a fast local pre-approval and straightforward guidance on rates, payments, and timelines so you can act quickly when the right home hits the market. Ready to get started? Contact us at (336) 575-9448 to discuss potential options or begin your pre-approval today.

Fall in Love with Your Home: Simple Autumn Upgrades for Winston-Salem Homeowners

Wed, 15 Oct 2025 14:06:47 GMT

Cooler mornings and bright fall colors make this the perfect season to give your home a little love. Below are quick wins that protect your investment and small upgrades that make everyday living feel better and can be done in a weekend.

1. Refresh Curb Appeal & Yard Health

Do the basics: Mulch or mow thin layers of leaves into the lawn, overseed bare spots while the soil still has some warmth and sweep the walk.
Upgrade idea: Create a welcoming entry in an hour—swap in a fresh doormat, add two planters with seasonal color, and update house numbers or the mailbox. If your porch feels dark by 6 p.m., add low-voltage or solar path lights for a safer, cozier approach.

2. Prevent Water Disasters (Gutters, Grading & Cold Snaps)

Water is a home’s sneakiest troublemaker. A little prevention now saves big later.

Do the basics: Clean gutters after the first big leaf drop and again in late fall. Make sure downspouts discharge several feet from the foundation and that soil slopes away from the house. Seal exterior gaps around windows, doors, and utilities. Before hard freezes, disconnect hoses, cover outdoor faucets, and insulate exposed pipes; on rare extreme nights, let vulnerable lines drip and open sink-base cabinets to circulate warm air.

Upgrade idea: Install simple downspout extensions to move water farther from the foundation, add gutter guards if your roof sits under trees, or place smart leak sensors near the water heater, kitchen sink, and laundry. These small devices send alerts if they detect water or freezing temps.

3. Cozy & Efficient: Comfort Upgrades That Cut Waste

Do the basics: Schedule a fall HVAC tune-up so your system hits winter in top shape. Reverse ceiling fans to a gentle clockwise spin on low to push warm air down. Add door sweeps and fresh weatherstripping, and top off attic insulation if levels look low.
Upgrade idea: Swap high-use fixtures to warm-white LEDs for instant savings and better evening light. If you’ve been living with a chilly room, consider an insulated attic-hatch cover or thermal-lined window panels—both are inexpensive, and noticeably improve comfort.

4. Safety First: Fireplaces, Smoke & CO Alarms

Do the basics: Schedule a chimney inspection before your first fire. Test smoke and carbon-monoxide alarms and replace batteries if needed; most alarms should be replaced every 8–10 years (check the date stamp). Keep a three-foot clearance around space heaters and store ashes in a metal container outdoors.
Upgrade idea: Add a multipurpose fire extinguisher in the kitchen and the garage or replace older alarms with modern models that combine smoke and CO detection and include a 10-year sealed battery for fewer chirps.

Bottom Line

Pairing essential fall maintenance with one small upgrade per area lets you protect your home for a more enjoyable season. If a bigger project is on your list, or you’ve been considering making a move we can walk you through financing options that fit your budget and timeline. If you’re ready to explore your options, contact the Sharpe Mortgage Team at (336) 575-9448 and get started today!

Big News: Ashley McKenzie-Sharpe Named Mortgage Banker of the Year for the Carolinas

Thu, 09 Oct 2025 15:18:28 GMT

“I couldn't be prouder to see her recognized for the biggest honor in North Carolina and South Carolina,” added Tripp Cunningham, Regional Sales Manager of the East Region. “She’s the real deal. What you see is what you get: genuine, hardworking, and all heart.”

Earlier this year, Ashley also earned a Top 10 Nationwide ranking for Customer Satisfaction on the Experience.com platform—an honor based entirely on verified feedback from clients and Realtor partners.

This latest recognition is another milestone in a career built on helping families feel confident and supported in their homebuying journey. From first-time buyers to seasoned homeowners, Ashley and the Sharpe Mortgage Team are passionate about guiding each client with care, communication, and heart every step of the way.

Congratulations, Ashley! Our team is proud to celebrate this incredible achievement and everything you do for your clients and community.

If you’re ready to experience the same award-winning service that earned Ashley this recognition, reach out to The Sharpe Mortgage Team today at 336-575-9448. We’d be honored to help you start your homeownership journey.

Big News: Higher Loan Limits Mean More Buying Power

Mon, 06 Oct 2025 11:56:16 GMT

There’s exciting news for homebuyers and homeowners: conforming loan limits are going up again, and that means more opportunities are already opening in the market.

While the Federal Housing Finance Agency (FHFA) won’t officially announce the 2026 loan limits until November, the Sharpe Mortgage Team is getting a head start. The new one-unit conforming loan limit of $819,000 is already being honored.

So, what does this mean for you?:

If You're Buying a Home

More buying power: Shop for homes at higher price points without needing a jumbo loan.
Easier qualifying: Conforming loans typically come with more flexible guidelines than jumbo financing.
Better affordability: Smaller down payment options and competitive interest rates help keep your monthly payments manageable.

If You Already Own a Home

Refinance opportunities: If you currently have a jumbo loan, you may now qualify for a conforming loan with better terms.
Access to equity: The higher loan limit could make it easier to use your home’s equity for renovations, debt consolidation, or other financial goals—all while staying in the conventional loan category.

Why This Matters

Raising conforming loan limits gives buyers more room to compete in today’s market and makes homeownership more accessible in higher price ranges. For current homeowners, it can open doors to more favorable refinancing options. And in some high-cost counties, local limits may climb even higher, great news for those shopping in more expensive areas.

Bottom Line

Whether you’re planning to buy your first home, move up to a new one, or explore refinancing, the increase in loan limits puts more options on the table.

We're here to help you understand what this change means for your unique situation and guide you toward the best financing solution.

Contact the Sharpe Mortgage Team today at (336) 575-9448 to see how the new limits could work for you!

Refinancing for Fall and Winter Readiness

Mon, 22 Sep 2025 21:07:46 GMT

As the days get shorter and the year winds down, many homeowners check off financial to-dos before the holidays arrive. One smart move to consider? Reviewing your mortgage to see if refinancing could help you step into the new season with more confidence and flexibility.

Here are a few ways refinancing might make sense right now:

Lower Your Monthly Payment Before the Holidays

The holiday season can put extra strain on your budget. Lowering your interest rate or monthly payment through a refinance could free up some breathing room for travel, gift-giving, or saving more.

Prepare Your Home for Winter

Refinancing can also be a way for some homeowners to access funds for critical projects. Whether upgrading insulation, replacing drafty windows, or updating your heating system, these improvements can help keep your home cozy and your energy bills in check during the colder months.

Adjust Your Mortgage to Fit Your Goals for the New Year

Maybe you want to pay off your home sooner by shortening your loan term. Or perhaps you’re looking to secure a lower rate for long-term savings. Refinancing can be a way to better align your mortgage with your financial goals heading into the new year.

Avoid Relying on High-Interest Credit Cards

The end of the year often comes with added expenses. Some homeowners may choose to use equity from a refinance to cover larger purchases instead of leaning on high-interest credit cards. It’s a way to manage holiday costs without watching debt snowball in the months ahead.

Talk to a Loan Officer About Your Options

Every homeowner’s situation differs, and refinancing isn’t a one-size-fits-all decision. Connect with a loan officer and find out if now is the right time for you.

Ready to see what refinancing could do for you? Our team is here to review your current mortgage, answer your questions, and walk you through options that may save you money and simplify your finances before the new year.

Contact The Sharpe Mortgage Team today at (336) 575-9448 and find out if refinancing is the right move for you this fall.

Fall Festivals and Fun in Winston-Salem

Wed, 17 Sep 2025 21:45:12 GMT

Crisp mornings, colorful leaves, and plenty of community spirit—fall might just be the best season in Winston-Salem. Whether you’re a longtime resident or new to the area, the city comes alive with festivals and events that celebrate everything from apples and books to art and local traditions.

Here are a few highlights you won’t want to miss.

Apple Fest at Historic Bethabara Park - September 27

Step back into history with live music, colonial games, face painting, and all things apple. This family-friendly festival is a great way to celebrate the season and explore Winston-Salem’s rich past.

Bookmarks Festival (20th Annual) - September 25-28

Book lovers, rejoice! The largest book festival in the Carolinas returns with an impressive lineup, including keynote speakers like Hoda Kotb. Plenty of free events make it a must for readers of all ages.

Carolina Class Fair - October 3-12

For more than 140 years, this Winston-Salem tradition has brought rides, local exhibits, racing pigs, and even butter sculptures to town. It’s a classic fall fair experience you won’t want to skip.

Kernersville Oktoberfest - October 4

Enjoy local craft beer, food pairings, and fun contests like stein-holding and pretzel-eating. Plus, don’t miss the chance to tour historic Körner’s Folly while you’re there.

Ardmore Art Walk - November 8

Spend a fall afternoon strolling through one of Winston-Salem’s most charming neighborhoods. Local artists, live music, and food trucks make this juried art walk a true community celebration.

These are just a few of the exciting happenings this fall. To see even more events, check out Visit Winston-Salem’s full festival lineup .

As the seasons change, it’s the perfect time to take the next step toward homeownership. Whether buying your first home, moving up, or refinancing, the Sharpe Mortgage Team is here to guide you through the process this fall.

Ready to get started? Contact us today at (336) 575-9448 to explore your options and make your home goals a reality.

Why Now Is the Perfect Time for a Year-End Mortgage Check-Up

Fri, 12 Sep 2025 18:43:36 GMT

As the holidays approach, most of us are busy wrapping up the year—finalizing budgets, scheduling check-ups, or even cleaning out closets before the new year begins. However, one crucial item many homeowners overlook is a year-end mortgage check-up.

Your mortgage is likely your most significant financial commitment, and just like a health exam or car inspection, a quick mortgage review can help ensure everything is working in your favor. Here are a few reasons why this simple step could set you up for a stronger year ahead.

1. Make Sure Your Loan Still Fits Your Goals

Life changes quickly—maybe you’ve welcomed a new family member, taken a new job, or started considering retirement. Your mortgage should match your current and future goals. A year-end review can confirm whether your loan type, term, and payment structure still make sense.

2. Explore Opportunities to Lower Costs

Rates and programs shift throughout the year. Even if you’ve refinanced recently, there may be options to lower your interest rate, eliminate mortgage insurance, or shorten your loan term. These minor adjustments can add up to significant long-term savings.

3. Put Your Equity to Work

Home values have grown in many areas, so you may be sitting on more equity than you realize. Tapping into that equity—through a refinance or renovation loan—could help you consolidate high-interest debt, fund home improvements, or prepare for upcoming expenses in the new year.

4. Ease Year-End Cash Flow

Did you know a refinance may allow you to skip one or two mortgage payments, depending on timing? Or might you receive an escrow refund after closing? These short-term boosts can provide breathing room during an already expensive season.

5. Plan Ahead for 2026

Getting clarity on your mortgage now means you’re not scrambling during the holiday crunch or putting it off until spring. A quick year-end check-up today can help you start the new year with confidence.

Next Step: A quick, free mortgage check-up comes with no obligation.

Mortgage Insurance Is Tax-Deductible Again—Here's What That Means for Homebuyers

Wed, 03 Sep 2025 19:59:43 GMT

Buying a home is a big step, and every dollar saved makes a difference. That's why we're excited to share some good news: mortgage insurance (MI) premiums will now be permanently tax-deductible again.

This update takes effect with the 2026 tax return (filed in 2027) , giving buyers and homeowners time to prepare and plan.

Why This Matters

For many first-time homebuyers, MI makes homeownership possible by reducing the upfront cash needed for a down payment. Instead of saving the traditional 20%, buyers can purchase a home with as little as 3–5% down, with MI protecting the lender. Now that these premiums are tax-deductible, the long-term cost of owning a home has become more affordable.

Here's a Closer Look at How It Works

Household income under $100,000: You can deduct 100% of your MI premiums each year.
Income up to $110,000: You may still qualify for a partial deduction.
Average past savings: Homeowners have saved more than $1,400 annually when this deduction was previously in place.

The Bigger Picture

If you're buying a home soon, this change could help offset monthly costs and make it easier to find a payment that fits comfortably in your budget. If you own a home with MI, this deduction could put real money back in your pocket each year.

What's Next?

Everyone's financial situation is different, and while MI tax deductibility is a valuable benefit, the best strategy for you may depend on factors like income, loan type, and long-term plans.

The Sharpe Mortgage Team is here to help you understand your options and guide you through how this update may apply to your home financing.

Have questions about how this could benefit you? Call the Sharpe Team at 336-575-9448. We're happy to walk you through the details .

Back to School: Mortgage Terms That Actually Matter

Thu, 28 Aug 2025 19:55:48 GMT

It’s back-to-school season, which makes it the perfect time for a quick refresher on mortgage terms that can make or break a deal. Whether you’re a first-time buyer, a seasoned homeowner, or an investor brushing up on the lingo, understanding these basics can help you make confident, informed decisions.

Here are five key terms every buyer should know:

Debt-to-Income Ratio (DTI)

Your DTI measures how much of your income goes toward debt each month. Lenders use this number to see how comfortably you can take on a mortgage. A lower ratio is better—but self-employed borrowers sometimes need extra guidance on documenting income. (Don’t worry, we’ve got you covered!)

Loan-to-Value Ratio (LTV)

LTV compares the loan amount to the home’s value. It’s a significant factor in approval, interest rates, and whether you’ll need private mortgage insurance (PMI). For buyers putting down less than 20%, this number really matters.

Rate Lock

Mortgage rates can shift daily, and timing matters. A rate lock secures your interest rate for a set period to protect you from sudden market changes. It’s a key tool for peace of mind while your loan is in process.

Escrow

Escrow accounts are designed to make homeownership more straightforward. However, they can still cause confusion. Think of escrow as a holding account that covers property taxes and insurance. Understanding how it works can keep surprises off your monthly statement.

Debt Service Coverage Ratio

For investors, this is the golden term. DSCR looks at rental income instead of personal income to qualify for a loan. That means no tax returns are required in many cases—making it easier to expand a real estate portfolio.

At the end of the day, mortgage terms don’t have to be intimidating. With guidance, they become tools you can use to your advantage.

Whether you’re buying your first home, refinancing, or exploring investment opportunities, The Sharpe Mortgage Team is here to help. Contact us anytime at 336-575-9448 —we’d love to discuss your options.

Buy Before You Sell with The Sharpe Team: Secure Your Next Home Without Waiting

Fri, 22 Aug 2025 13:53:37 GMT

Buying a new home is exciting, but if you're like many other homeowners, you can feel stuck waiting for your current home to sell before moving forward. That waiting game creates stress and sometimes causes you to miss out on the perfect house.

For many, the question becomes: Do I risk carrying two mortgages, or do I risk losing out on the perfect home?

That's where the Buy Before You Sell program from Highlands Residential Mortgage comes in. Designed as a bridge loan alternative, this program gives homeowners confidence and flexibility, allowing you to buy your next home first and sell your current one on your timeline:

How It Works

Here are four ways this program makes the process easier:

Find your dream home first. With Buy Before You Sell, you can start the purchase process immediately without waiting for your current home to sell.
Boost your buying power. Your existing mortgage may be excluded from your debt-to-income ratio, making qualifying for your new loan easier without worrying about carrying two mortgages.
Tap into your equity. Need funds for a down payment? We can help advance the equity from your current home so you don't have to wait for it to sell.
Stay in control. You'll be free to market and sell your home at full value, without feeling rushed or pressured.

Why Homeowners Love It

The Buy Before You Sell program takes the stress out of one of life's most significant financial transitions. Instead of juggling contingencies and tight timelines, you get to move into your new home first, then sell your old one when the time is right.

For families, that could mean settling into a new school district without delay. For others, it might mean securing that dream home in a competitive market without missing out.

Is This Program Right for You?

Every homeowner's situation is unique, and the best way to find out if Buy Before You Sell is the right fit is to talk with a mortgage professional.

Whether you're a move-up buyer, downsizing, or simply trying to avoid the stress of buying and selling a home at the same time, we're here to guide you through your options.

Call the Sharpe Mortgage Team today at 336-575-9448 to learn how to buy your next home without waiting to sell your current one.

Why We Over-Communicate (On Purpose)

Thu, 14 Aug 2025 21:24:15 GMT

Buying a home is exciting, but it can also feel overwhelming. Between the paperwork, the deadlines, and the big decisions, the last thing you need is uncertainty or long stretches without updates. That’s why we make it a point to over-communicate, on purpose.

We aim to make the mortgage process as smooth and stress-free as possible. Clear, consistent communication isn’t just helpful —it’s essential. When you know exactly what’s happening at every stage, you can move forward with confidence and peace of mind.:

Here's what that looks like in practice:

Regular updates so you never have to wonder what's next.
Straightforward explanations that cut through the jargon.
Proactive check-ins so you're always a step ahead.

Our clients tell us this makes all the difference:

"They kept me updated before I even had a chance to ask."
“Every step was clearly explained. No surprises.”
“I never had to follow up. They were already on it.”

We know buying a home is one of the most significant investments you’ll ever make. You deserve to feel informed, supported, and in control every step of the way — and that’s precisely what our communication style delivers.

Experience a mortgage process where you’re always in the know. Call the Sharpe Mortgage Team at 336-575-9448 to get started.

Let’s get you home!

New Home Loan Program Just for Medical Professionals

Thu, 07 Aug 2025 15:52:18 GMT

Zero Down. No Mortgage Insurance. Big Potential.

We're always looking for new ways to help our clients achieve their homeownership goals, especially when life and career changes are happening simultaneously. We're excited to share a new loan program available exclusively through Highlands Residential Mortgage:

The Huntington Bank Doctor Program

Designed for physicians, dentists, podiatrists, and other medical professionals, this program helps remove some of the most common roadblocks to homeownership, like student loan debt or limited savings after years of schooling.

Here's what makes this loan stand out:

100% financing available up to $1 million —no down payment required
No mortgage insurance (MI) —even with less than 20% down
Loan amounts up to $2.5 million —ideal for those looking to scale up
Flexible guidelines for student loans and new employment contracts
Eligible for purchase or rate-term refinance (no cash-out)
Condos and modular homes are allowed

Whether you're finishing your residency, relocating for a new position, or just starting to build your future, you deserve a financing solution that understands your journey.

This program was designed to meet the unique needs of medical professionals, making homeownership more accessible, less stressful, and better aligned with your career path.

Call The Sharpe Mortgage Team at 336-575-9448 to learn more. We'll help you explore your options and see if this specialized program aligns with your goals.

Trigger Leads and How to Stop Them

Fri, 18 Jul 2025 12:40:24 GMT

If you've ever applied for a mortgage and suddenly found yourself bombarded with calls, texts, or emails from unfamiliar lenders, you're not alone. What you experienced was likely the result of a "trigger lead."

What Are Trigger Leads?

Trigger leads are a marketing tool used by some lenders and credit bureaus. When you apply for a mortgage and authorize a credit check, the major credit bureaus (Experian, TransUnion, and Equifax) may flag that activity and sell your information to other mortgage lenders. These companies use your recent inquiry as a "trigger" to reach out and compete for your business—often within hours of your application.

These leads can result in dozens of unsolicited contacts from companies you've never heard of. Some might sound aggressive or misleading, which can be unsettling, especially during an exciting homebuying journey.

Why Does This Happen

When lenders pull your credit for a mortgage, it signals to the bureaus that you're actively shopping for a home loan. That makes your information incredibly valuable to other lenders, who pay for access to try and win you over before you commit.

Unfortunately, even though you're working with a trusted mortgage team, other companies don't hesitate to step in with pressure tactics or confusing pitches.

Can You Stop Trigger Leads?

The short answer is that you can reduce them but stopping them entirely requires a bit of effort.

Here's how to protect your information and your peace of mind:

Opt Out Before You Apply
Visit www.optoutprescreen.com or call 1-888-5-OPT-OUT (1-888-567-8688). This is the official site for opting out of pre-screened credit offers from the major bureaus. You can opt out for 5 years by submitting your information online or permanently by completing and mailing a form.

Timing matters: Do this a few days before your credit is pulled to ensure the opt-out takes effect in time.
Register with the Do Not Call List
While this won't stop all calls from trigger leads, it can help reduce general telemarketing. Register at www.donotcall.gov or call 1-888-382-1222.
Let Us Know
We understand how frustrating trigger leads can be. Let our team know if you're being contacted, and we'll help you verify what's legitimate and what's not.

Why We Don't Use Trigger Leads

We believe in building relationships—not buying them. The Sharpe Mortgage Team does not purchase or act on trigger leads. If you're hearing from us, you reached out first. And that's how it should be.

Final Thoughts

Buying a home should be exciting, not stressful. Trigger leads may be legal, but they can feel like an invasion of privacy. If you plan to apply for a mortgage soon, take a few simple steps to protect yourself. And if you're already working with the Sharpe Mortgage Team, know that you've got a team of professionals standing by your side—no pressure, no gimmicks.

Have questions about the mortgage process? Call our team today at 336-575-9448. We're always here to help.

Living in Winston-Salem: 5 Reasons Locals Love It Here

Fri, 18 Jul 2025 12:23:47 GMT

Whether you’ve called Winston-Salem home for years or are just starting to explore the area, one thing is for sure—this city leaves an impression. With its unique blend of Southern charm, cultural richness, and small-town friendliness, it’s easy to see why so many people are proud to plant roots here. If you’re considering a move, here are five reasons locals love living in Winston-Salem:

1. The Best of Both Worlds: City Life with Small-Town Feel

Winston-Salem strikes a rare balance. It’s big enough to offer family-friendly activities, local events, and convenient shopping, yet small enough to feel like home. You’ll find tight-knit neighborhoods, friendly faces, and a sense of community that makes everyday life more meaningful.

2. An Affordable Place to Call Home

Compared to other North Carolina cities, Winston-Salem offers a lower cost of living and affordable housing options. From historic homes in Ardmore to new builds in growing areas like Clemmons and Kernersville, there’s something here for every lifestyle and budget.

3. A Food Scene That's Worth Savoring

From farm-to-table favorites to long-standing local staples, Winston-Salem’s culinary scene is one to brag about. Whether grabbing coffee from Camino Bakery, enjoying barbecue from Little Richard’s, or exploring fine dining downtown, there’s no shortage of spots to satisfy your cravings.

4. Art, Culture, and History Around Every Corner

Locals take pride in the city’s thriving arts landscape and historic roots. Home to the Southeastern Center for Contemporary Art, Old Salem Museums & Gardens, and several festivals throughout the year, Winston-Salem has plenty of things to see, do, and experience. It’s a city that celebrates creativity and honors its past.

5. Outdoor Spaces and Weekend Adventures

Love to get outside? With nearby hiking trails, greenways, and beautiful parks like Salem Lake, Winston-Salem makes it easy to enjoy nature. Plus, you’re just a short drive from the Blue Ridge Mountains—perfect for a weekend escape.

Thinking of Making Winston-Salem Home?

Whether relocating, upsizing, downsizing, or just exploring your options, the Sharpe Mortgage Team is here to help make your move seamless. Give us a call at 336-575-9448 to talk through your homeownership goals. We live here, we love it here—and we’d love to welcome you home.

What Is a Net Promoter Score and Why It Matters

Tue, 08 Jul 2025 21:24:24 GMT

For the Sharpe Mortgage Team, feedback is more than a formality. It’s how we ensure we’re showing up the way our clients need us to. One of the most effective ways we track that is through the Net Promoter Score or NPS.

What Is NPS?

Net Promoter Score is a widely used customer satisfaction metric that measures how likely someone is to recommend a business to others based on one simple but powerful question:

“On a scale of 0 to 10, how likely are you to recommend us to a friend or colleague?”

Responses fall into three categories:

Promoters (9–10): Clients who had a great experience and are likely to refer friends and family.
Passives (7–8): Those who are satisfied but not necessarily enthusiastic.
Detractors (0–6): Those who didn’t feel fully supported and may be unlikely to return.

The NPS is calculated by subtracting the percentage of Detractors from the percentage of Promoters. The final score ranges from -100 to +100.

How the Sharpe Team Uses NPS

We don’t collect Net Promotor Scores for the sake of appearances. We use them to listen. We review every piece of feedback, and if there is a reason to celebrate or improve, we do both. That means we’re not just checking boxes but finding ways to do better every time.

For the Sharpe Team, this is simply part of the process. We take the time to communicate, follow through, and make sure our clients feel supported from start to finish. It’s not about chasing a perfect score but consistency in how we show up, one conversation at a time.

Ashley McKenzie-Sharpe's Net Promoter Score for 2024 was 94.92

That number reflects hundreds of client experiences, including buyers, refinancers, and families who felt heard, informed, and cared for throughout the loan process.

We’re proud of the score. But more importantly, we’re proud of what it says: that we’re doing right by the people who trust us during one of life’s most significant financial moments.

Questions? We're Just a Call Away

If you plan to buy, refinance, or have questions about your options, The Sharpe Team is here to help. Call us at 336-575-9448 to start the conversation—no pressure, just straightforward guidance.

Back-to-Back Excellence: Highlands Residential Mortgage & Ashley McKenzie-Sharpe Rank in Top 10 for Customer Satisfaction

Tue, 01 Jul 2025 16:54:14 GMT

We're thrilled to share some exciting news— Highlands Residential Mortgage has once again been recognized as one of the Top 10 Mortgage Companies for Customer Satisfaction in the Jumbo Division by Experience.com for 2024!

This back-to-back recognition is a testament to Highlands' unwavering commitment to providing exceptional service, personalized guidance, and smooth mortgage experiences for borrowers nationwide. At the heart of that mission? Loan originators like Ashley McKenzie-Sharpe exemplify what it means to lead with integrity, heart, and hometown service.

A shley Ranks in the Top 10 Nationwide!

In addition to Highlands' corporate achievement, we're proud to celebrate an incredible individual accomplishment— Ashley has ranked in the Top 10 among all mortgage professionals nationwide on the Experience.com platform!

This isn't just a ranking. It's the result of genuine client feedback collected across thousands of reviews. Experience.com's rankings are based on verified borrower experiences, so this honor speaks volumes about Ashley's consistent delivery of personalized service, deep mortgage knowledge, and unshakable dedication to her clients.

What Sets Ashley Apart?

Whether it's a first-time homebuyer looking for guidance, a seasoned homeowner exploring financing options, or someone navigating a unique lending scenario, Ashley shows up with answers, compassion, and a plan. Her clients often describe her as:

"Responsive, caring, and professional."
"Always one step ahead."
"Truly invested in making the experience stress-free."

These aren't just compliments; they're the foundation of a customer-first philosophy that Ashley lives out every single day.

Thank You To Our Clients

We're so grateful to every client who shared their experience. Your feedback celebrates our team's hard work and helps other homebuyers feel confident choosing a lender they can trust.

If you're planning a home purchase or refinance and want personalized guidance from a team that puts your goals first, The Sharpe Mortgage Team is here to help. Call us at 336-575-9448 to get started.

Celebrate the 4th of July in Winston-Salem: Festive Events to Check Out This Independence Day

kpettique@highlandsmortgage.com (Kate Pettique) — Thu, 26 Jun 2025 15:21:49 GMT

The 4th of July is a time to come together, celebrate freedom, and enjoy the best of summer with your community. Here in Winston-Salem and the surrounding Triad, there are plenty of ways to enjoy the red, white, and blue—whether you're into fireworks, baseball, history, music, or craft brews.

Celebrate Independence Day with these 4th of July events happening in and around Winston-Salem.

Winston-Salem Dash Fireworks Game

Date: Wednesday, July 3, 2025

Time: Game starts at 6:30 PM

Location: Truist Stadium

Kick off your Independence Day celebrations early at the Dash's annual 4th of July Game! Watch America's favorite pastime, then stick around for their biggest fireworks display of the year. This event is always a crowd favorite, so grab your tickets early

Bolt, White & Blue Celebration at Truist Stadium

Date: Friday, July 4, 2025

Time: 6–10 PM

Location: Truist Stadium (no game this time!)

Not a baseball fan? No problem. Truist Stadium is hosting an Independence Day block party featuring live music, food, inflatables, and plenty of family fun. End the night with another round of dazzling fireworks. No ticket is needed to enjoy the party.

Old Salem Independence Day Celebration

Date: Friday, July 4, 2025

Time: 10 AM–4 PM

Location: Old Salem Museums & Gardens

Step back in time and see how early Americans celebrated the birth of a nation. Old Salem's annual celebration includes historical reenactments, music, crafts, and traditional readings of the Declaration of Independence. It's a meaningful and educational way to honor the holiday.

Salem Band "Stars & Stripes" Concert

Date: Friday, July 4, 2025

Time: 7:30 PM

Location: Salem Square, Old Salem

Bring your lawn chairs and enjoy a patriotic concert by North Carolina's oldest community band. Held in the heart of Old Salem, this free outdoor event includes beloved American marches, hymns, and tributes to military service members—the perfect way to wrap up your Independence Day Celebrations.

Kernersville 4th of July Parade & Fireworks

Date: Friday, July 4, 2025

Time: Parade at 9 AM, Gates open at 5 PM, Fireworks at dusk

Location: Downtown Kernersville (Parade) & Kernersville Elementary (Evening Events)

Start the day with a classic small-town parade featuring colorful floats, lively music, and friendly faces from around the community. In the evening, head to Kernersville Elementary for food vendors, live music, and one of the area's best community fireworks shows.

Independence Weekend at Wise Man Brewing

Date: Friday, July 4–Sunday, July 6, 2025

Location: Wise Man Brewing, Downtown Winston-Salem

Looking for a laid-back way to celebrate all weekend long? Wise Man Brewing will host a relaxed holiday weekend complete with food trucks, live music, and limited-edition brews to toast the 4th in style. With games and great vibes, it’s a fantastic spot for the whole family.

Celebrate Freedom and Home

As you celebrate freedom this 4th of July, it's also a great time to reflect on what home means to you. Whether you're ready to buy your first home or simply considering a move, we’re here to help you confidently take the next step.

For more information or to start your pre-approval process contact the Sharpe Mortgage Team at (336) 575-9448.

Flipping the Script on Home Financing: Debunking Common Misconceptions

lily@sharpeloans.com (Lily Abbott) — Fri, 20 Jun 2025 15:04:02 GMT

When buying a home, misinformation can be one of the biggest obstacles between buyers and their dream property. Let’s flip the script on some of the most common mortgage misconceptions we hear from clients every day, and set the record straight.

Myth #1: "I need a 20% down payment to buy a home."

Reality: While a 20% down payment can help you avoid Private Mortgage Insurance (PMI), it's not required. Many loan programs—like FHA, VA, and some conventional loans—offer low or zero down payment options. Depending on your financial situation and the loan you qualify for, you could buy a home with as little as 3% down.

Myth #2: "I need perfect credit to get a mortgage."

Reality: A perfect credit score is nice, but it's unnecessary. Different loan programs accommodate a range of credit scores, and even if yours is on the lower end, that doesn't mean you're out of the running. We work with buyers every day who are rebuilding credit or have had bumps in the road. What matters most is finding the right solution for your situation.

Myth #3: "Getting pre-approved is the same as being pre-qualified."

Reality: While often used interchangeably, these terms mean very different things. A pre-qualification is a quick estimate based on self-reported financial info. A pre-approval involves a complete application and credit check, making it more reliable and attractive to sellers.

Myth #4: "The lowest interest rate is always the best deal."

Reality: A low rate can be a great benefit when paired with the right loan terms. A loan with the lowest rate might come with higher fees or shorter terms that don't work for your goals. The best deal fits your financial picture holistically, not just the headline number..

Myth #5: "Once I'm approved, I'm in the clear."

Reality: Final approval happens at closing. That means your lender will continue verifying your financial situation until the deal is done. Any major purchases, new credit lines, or employment changes could affect your approval. Stay steady and transparent with your lender through the final signature.

Let's Talk Facts, Not Fiction

No matter where you are in your homebuying journey, we’re here to help you move forward with clarity and confidence. Contact the Sharpe Mortgage team at (336) 575-9448 for more information or to start your pre-approval process. We're ready to help you make smart, informed decisions about your next move.

Stein's $35 Million Plan Brings Hope to North Carolina Homebuyers

Thu, 12 Jun 2025 15:50:37 GMT

As North Carolina grows, safe and affordable housing becomes increasingly vital. Governor Josh Stein acknowledges this urgent need: "Our state is growing, and people need a safe and affordable place to live. We will remain focused on identifying solutions to lower the cost of housing for North Carolinians at every stage of life and work to ensure every person has a safe place to call home."

What Stein is Proposing

Governor Stein's initiative will direct $35 million annually into the state's Housing Trust Fund. Additionally, another $15 million will specifically target workforce housing loans. The investments aren't temporary solutions. They represent a long-term, sustainable commitment to expanding housing opportunities across North Carolina.

Why This Matters

As home prices and rent costs steadily climb, many North Carolinians feel priced out of the market. Governor Stien's proposed funding directly addresses this issue by increasing the inventory of affordable homes and making homeownership accessible to more people, creating stability and fostering community growth

What This Means for Homebuyers

Buyers might benefit from a broader range of mortgage options, potentially lower interest rates, and expanded eligibility criteria as affordable housing availability grows.

Next Steps to Prepare for Homeownership

Get Pre-Approved Early : Connect with the Sharpe Mortgage Team to determine what you can comfortably afford. A clear understanding of your financial position simplifies homebuying and gives you a competitive edge.
Incrementally Build Your Savings : While several low-down-payment programs are available, steadily setting money aside can provide you with more options and greater financial security when you're ready to buy.

Take Action Today

Contact the Sharpe Mortgage Team at (336) 575-9448 for more information or to start your pre-approval process. With the proper preparation and guidance, your dream of homeownership may become a reality sooner than you think!

National Homeownership Month Might Be the Right Time to Buy a Home

kpettique@highlandsmortgage.com (Kate Pettique) — Thu, 05 Jun 2025 16:16:06 GMT

June is National Homeownership Month —and it's more than just a celebration of real estate. It's about what home truly means: comfort, freedom, stability, and the chance to create something that's all your own.

Whether you dream of a kitchen built for hosting, a beautifully landscaped backyard, or simply investing in your future, owning your home could be the answer.

A home isn't just a place to live; it's a foundation for the life you want to build.

So, Should You Buy Now or Wait?

We always hear this question, especially in today's market, and here's the honest answer: while waiting for rates to drop might seem like the right thing to do, holding off could cost more than you think. Home prices are still rising, and many buyers are taking advantage of current incentives—like seller-paid closing costs—that may not stick around as demand picks up.

Here's Why Buying Now Could Pay Off

Start building equity sooner —every payment moves you closer to full ownership.
Freedom to personalize your space —no more asking permission to paint the walls!
Stability and predictability —fixed-rate mortgages can protect you from rising rent.

Preparation is Power

Whether you're actively looking or just testing the waters, getting pre-qualified now can set you up for success later. It gives you a realistic view of what you can afford, confidence to make quick, informed decisions, and a competitive edge when the right home comes along. Think of it as your financial foundation—so when opportunity knocks, you're ready to answer.

Knowing your options is always a good idea. If you think homeownership might be your next step, or you're just curious about where to start or what's possible in today's market, I'd love to be your resource.

Let's talk about what home could look like for you. Call The Sharpe Mortgage Team at (336) 575-9448 to start your pre-approval today.

Understanding Home Appraisals: What You Need to Know Before You Buy or Refinance

Tue, 03 Jun 2025 18:55:49 GMT

Whether you’re buying your first home, moving into a new one, or refinancing your current mortgage, one crucial step in the process is the home appraisal. For many people, this part can feel a little confusing—or even stressful. But understanding how it works (and how to prepare) can make a big difference in your peace of mind.

Let’s break it down.

What Is a Home Appraisal?

A home appraisal is a professional assessment of a property's value, conducted by a licensed appraiser. Mortgage lenders use appraisals to confirm that the home's value supports the loan amount being requested. In other words, an appraisal protects both the buyer and the lender by making sure that the investment makes financial sense.

Why Do Appraisals Matter?

Appraisals are especially important in the mortgage process. If the appraised value comes in lower than the purchase price, it can affect the loan approval or require renegotiation between buyer and seller. For those refinancing, a strong appraisal could unlock better interest rates, access to cash-out options, or eliminate private mortgage insurance (PMI) if your equity has grown.

What Factors Influence the Appraised Value?

Appraisers look at several key factors when evaluating a home’s worth:

Location: Nearby schools, amenities, neighborhood desirability, and overall market conditions in the area.
Square Footage and Layout: Larger homes or those with functional layouts typically appraise higher.
Condition of the Home: Cleanliness, upkeep, and whether major systems (roof, HVAC, plumbing) are in good shape.
Comparable Sales (“Comps”): Recent sales of similar properties in the same area are a major benchmark.
Home Improvements: Upgrades like renovated kitchens, bathrooms, or energy-efficient systems can increase value—though not always dollar-for-dollar.

How to Prepare for an Appraisal

While you can’t control the market or location, you can take steps to ensure your home puts its best foot forward:

Clean Thoroughly: Treat the appraisal like a home showing. A neat, tidy space makes a better impression.
Complete Minor Repairs : Fix leaky faucets, squeaky doors, chipped paint, or other cosmetic issues.
Boost Curb Appeal: Mow the lawn, trim hedges, and make sure the exterior looks well-maintained.
Be Available but Not Overbearing: Be ready to answer questions, but let the appraiser do their job without hovering.

Home appraisals may seem like just another hurdle in the mortgage process, but they’re really a tool to ensure a fair and informed investment for everyone involved. By understanding what goes into the appraisal and taking steps to prepare your home, you can move forward with greater clarity and confidence.

Have questions about buying, refinancing, or what to expect in your next appraisal? The Sharpe Mortgage Team is here to help every step of the way. Just reach out , we’re happy to guide you through it.

Why Real Estate Agents Love Working with The Sharpe Mortgage Team

Mon, 05 May 2025 18:28:29 GMT

When it comes to buying a home, the right mortgage lender can make or break the process—not just for buyers, but for real estate agents too. That’s why so many top agents across the Triad choose to partner with The Sharpe Mortgage Team.

What Makes Us Different?

Real-Time Communication : We pick up the phone—morning, night, weekends. Agents never have to wonder where things stand.
Consistent Updates: From pre-approval to closing, we keep all parties informed with status updates and quick responses to questions.
Smooth Closings: We help avoid delays and roadblocks by staying ahead of underwriting requirements, document collection, and timeline management.

A True Partnership

We understand that agents are putting their reputations on the line every time they recommend a lender. That’s why we treat every deal—big or small—with urgency, transparency, and care.

Stronger Together

Whether you’re an agent or a buyer, our team is committed to making the mortgage process seamless, professional, and drama-free.

Want to see why agents across the Triad trust us with their clients? Call The Sharpe Mortgage Team at (336) 575-9448 today.

Pre-Approval vs. Pre-Qualification: What’s the Difference, and Why It Matters in 2025

Mon, 05 May 2025 18:25:58 GMT

If you’re starting your homebuying journey in the Triad, you’ve probably come across the terms pre-qualification and pre-approval. While they sound similar, they serve very different purposes—and knowing the difference could give you a competitive edge in today’s market.

Pre-Qualification: The First Look

Pre-qualification is an informal estimate of what you may be able to borrow, based on your self-reported income, debt, and credit. It’s a useful first step, especially if you’re just beginning to explore your options—but it’s not a guarantee.

Pre-Approval: Your Mortgage Power in Writing

A pre-approval is much more powerful. It’s a written commitment from a lender that you qualify for a specific loan amount, based on verified documentation like W-2s, pay stubs, bank statements, and credit history. Pre-approval gives sellers confidence that you’re a serious buyer—and that your financing is solid.

In Today’s Market, Pre-Approval Wins

In hot neighborhoods around Winston-Salem, Greensboro, and High Point, homes can still sell fast. Buyers with a strong pre-approval letter stand out in a crowded field and can often negotiate more effectively.

Ready to show sellers you mean business? Call The Sharpe Mortgage Team at (336) 748-4599 to start your pre-approval today.

How to Use Your Tax Refund Toward a Home Purchase in 2025

Mon, 05 May 2025 18:24:13 GMT

If you received a tax refund this spring, you might be wondering how to make the most of it. While it’s tempting to spend it on a vacation or new gadgets, your refund can actually serve as a smart down payment on your financial future—specifically, your next home. At The Sharpe Mortgage Team, we love helping buyers across the Triad region put their tax refunds to work.

3 Smart Ways to Use Your Refund:

Boost Your Down Payment : Even a modest refund can strengthen your home loan application by increasing your down payment. A larger down payment may reduce your monthly mortgage costs and could eliminate the need for private mortgage insurance (PMI).

Cover Closing Costs: Closing costs can catch buyers off guard. Your refund can help cover lender fees, attorney fees, appraisals, and more—getting you to the closing table with fewer out-of-pocket expenses.

Pay Down Debt to Improve Your Credit Score : If your credit score needs a lift, paying off revolving debt with your refund can quickly improve your score, potentially qualifying you for better mortgage rates and terms.

Planning Ahead Pays Off

Even if you're not quite ready to buy this month, using your refund strategically can set you up for success later this summer or fall. Our team can help you create a plan to strengthen your financial position and time your purchase wisely.

Call The Sharpe Mortgage Team at (336) 748-4599 to schedule a free consultation—and let’s turn your refund into real estate.

Understanding Credit Health: What It Really Means to Be Mortgage-Ready in 2025

Mon, 05 May 2025 18:21:51 GMT

When it comes to buying a home, one of the biggest concerns we hear from potential buyers is, “Is my credit good enough?” The truth is, many people underestimate their readiness—or don’t know where to start when it comes to improving their credit profile. At The Sharpe Mortgage Team, we’re here to simplify what “mortgage-ready” really means and help you take practical steps toward homeownership.

It’s Not Just About a Number

While credit scores are one part of the puzzle, lenders look at the full picture—what we call your credit health. That includes how long you’ve had credit, how responsibly you’ve used it, your current debts, and even your history of on-time payments.

Good credit isn’t about being perfect—it’s about showing consistency and a responsible approach to managing your financial commitments. And yes, we’ve helped buyers with a wide range of credit backgrounds successfully purchase homes across the Triad.

Signs You May Be Closer Than You Think:

You make your payments on time, even if it’s just the minimum
You’ve started reducing credit card balances
You avoid opening new accounts you don’t need
You’re actively budgeting or reviewing your credit report

If that sounds like you, you’re already taking steps in the right direction.

We’ll Help You Build a Credit Plan That Works

Not sure where you stand? That’s okay. Our team offers credit consultations to help you:

Understand how your credit history impacts your home loan options
Spot any potential red flags
Create a realistic game plan for improving your profile over time

We don’t judge—we educate. Whether you’re ready to apply today or 6 months from now, our goal is to prepare you for success.

Let’s take the guesswork out of your next move. Call The Sharpe Mortgage Team at (336) 748-4599 for a personalized credit review and start your path to homeownership with confidence.

Empowering Buyers: How to Leverage the 2025 Summer Market in the Triad

Mon, 05 May 2025 18:19:09 GMT

The summer homebuying season is almost here, and 2025 could be the year buyers take back control. If you want to purchase in Winston-Salem or elsewhere in the Triad, now is the time to prepare. The Sharpe Mortgage Team is here to help you navigate what’s expected to be a more buyer-friendly market.

Market Shifts in 2025

After years of seller dominance, the real estate landscape is changing. Increased inventory, more days on market, and stabilizing interest rates mean buyers may finally have room to negotiate on price, repairs, and seller concessions.

How to Take Advantage

Get Pre-Approved Early – Knowing your budget helps you act fast when the right home hits the market.

Work with Local Experts – A local mortgage planner can help you move quickly and strategically.

Be Ready to Negotiate – With less competition, you may have more leverage to get a better deal.

Why Choose The Sharpe Mortgage Team?

We’ve weathered every type of market and know how to help buyers succeed. Our responsive, experienced team is here to guide you through your purchase.

Let’s Make This Summer Count

Ready to make your move? Trust a local expert and call The Sharpe Mortgage Team today at (336) 748-4599 .

Exploring the Triad: Top Neighborhoods for Homebuyers in 2025

Mon, 05 May 2025 18:17:16 GMT

Looking for the perfect place to call home in North Carolina’s Triad? As housing demand shifts and inventory grows, 2025 will be a great year to explore new areas in and around Winston-Salem. The Sharpe Mortgage Team has deep roots in the region and can help you confidently navigate your options.

Why the Triad ?

With its blend of affordability, job growth, and community charm, the Triad region, which includes Winston-Salem, Greensboro, and High Point, is drawing attention from homebuyers statewide. Now is a great time to get ahead of the curve.

Neighborhoods to Watch

Lewisville – A family-friendly suburb with excellent schools and a small-town vibe.

Advance – Popular among commuters looking for larger homes and quiet surroundings.

Summerfield – Known for its rural charm, large lots, and growing amenities.

Each neighborhood offers appeal, and prices remain competitive compared to larger metro areas.

Financing Your Dream Home

No matter where you buy, having the right mortgage partner is key. The Sharpe Mortgage Team offers a range of options—conventional, FHA, VA, and new construction loans —to help you purchase confidently.

Start Exploring Today

We’re proud to serve the communities in which we live and work. Trust a local expert and call The Sharpe Mortgage Team today at (336) 748-4599 .

Navigating New Construction Loans in North Carolina: A Guide by The Sharpe Mortgage Team

Mon, 05 May 2025 18:14:59 GMT

Thinking of building your dream home in Winston-Salem or the surrounding Triad? New construction can be rewarding, but it requires a different kind of mortgage solution. The Sharpe Mortgage Team, powered by Highlands Mortgage, specializes in new construction loans and is here to guide you every step of the way.

What Is a Construction Loan ?

A construction loan is short-term financing used to cover the cost of building a home. These loans typically last for the construction period and convert to a permanent mortgage once the house is completed. Unlike traditional home loans, construction financing requires more planning and a knowledgeable lender.

Why Build in the Triad ?

The Triad offers a range of buildable lots and custom home opportunities, making it a hot spot for those who prefer a new home over resale. The options are growing, whether you’re planning in Winston-Salem, Greensboro, or a quieter suburb.

Highlands Mortgage Construction Loans

Through Highlands Mortgage, we offer construction-to-permanent loan solutions that simplify the process. Our team helps coordinate timelines, manage draws, and ensure builders are paid on time so that you can focus on your future home.

Experience That Matters

We’ve helped countless buyers fund their new builds and understand the nuances of construction lending. Our responsive, local team works with you and your builder to ensure a smooth process from groundbreaking to closing.

Ready to Build?

Let’s talk about your plans. Trust a local expert and call The Sharpe Mortgage Team today at (336) 748-4599 .

Why 2025 Is the Year to Buy a Home in the Triad: Insights from The Sharpe Mortgage Team

Mon, 05 May 2025 18:12:43 GMT

If you’ve been sitting on the sidelines waiting for the perfect moment to buy a home in North Carolina’s Triad region, 2025 could be your year. With mortgage rates expected to stabilize and housing inventory rising, buyers may finally regain some leverage. At The Sharpe Mortgage Team, we’ve been helping Winston-Salem buyers navigate changing markets for decades. Here’s why now might be the time to make your move.

2025 Market Outlook

Experts predict that by the end of 2025, mortgage rates may hover around 6%, a noticeable improvement from the spikes seen in recent years. This potential dip and increased housing inventory across the Triad set the stage for a more balanced market. Buyers who were previously priced out may now find homes within reach.

Opportunities in the Triad

The Triad, including Winston-Salem, Greensboro, and High Point, continues to attract homebuyers thanks to its affordability, job growth, and lifestyle perks. With more sellers entering the market and fewer bidding wars expected, buyers may have greater power to negotiate prices, closing costs, and other terms.

Why Work with The Sharpe Mortgage Team?

Navigating a changing market takes experience, and that’s where we shine. As mortgage planners with Highlands Mortgage, our local team offers personalized guidance and loan solutions tailored to your goals. Whether you're a first-time buyer or moving up, we help you secure the necessary financing.

Take the First Step

If you’ve been waiting for the right time, 2025 may be it. Trust a local expert and call The Sharpe Mortgage Team today at (336) 748-4599 .

Easter Weekend Events in Winston-Salem

Mon, 14 Apr 2025 17:48:10 GMT

Easter weekend is a perfect time to get out and enjoy springtime with family and friends—and Winston-Salem has no shortage of ways to celebrate. Whether you're looking for an egg hunt, a local celebration, or a community event, Easter weekend is packed with opportunities to make memories.

At The Sharpe Mortgage Team, we love helping families find more than just the perfect home—we love being part of the moments that make a house feel like home. Here’s a roundup of Easter events happening in and around Winston-Salem.

Easter Events on April 19 in Winston-Salem:

The Great Easter Egg Hunt by Ken Jones
Time: 4:00 pm
Location: Theatre Alliance, 650 W 6th St, Winston-Salem
This unique event combines a classic Easter egg hunt with a fun theatrical experience the whole family can enjoy.

Easter Celebration Event at Cooks Flea Market
Time: 12:00 pm – 4:00 pm
Location: 4250 N. Patterson Ave., Winston-Salem
Come explore one of Winston-Salem’s favorite flea markets while enjoying Easter crafts, activities, and treats.

Trade St. Mystery Egg Hunt
Time: 12:00 pm
Location: Trade St. Unit 100, Winston-Salem
Put a twist on tradition with a mystery egg hunt set in the heart of downtown’s arts district.

Lets’Nspire 2nd Annual Easter Egg Hunt
Time: 12:00 pm – 3:00 pm
Location: Hobby Park, Winston-Salem
A fun, family-friendly event with games, egg hunts, and a welcoming community atmosphere.

Stepping Stones Easter Bake Sale & Adoption Fair
Time: 10:00 am – 3:00 pm
Location: Pet Supermarket, 412 S Stratford Rd, Winston-Salem
Support local rescue pets while enjoying fresh-baked goodies. A great event for animal lovers and families alike.

From sweet treats to community gatherings, there’s something for everyone to enjoy this Easter weekend.

Ashley McKenzie-Sharpe Named to 2025 Scotsman Guide Top Originators List

Tue, 01 Apr 2025 17:14:04 GMT

Ashley McKenzie-Sharpe, the driving force behind The Sharpe Mortgage Team at Highlands Residential Mortgage, has been recognized as one of the 2025 Scotsman Guide Top Originators . This recognition highlights her dedication, expertise, and unwavering commitment to serving homebuyers and homeowners in North Carolina’s Triad region.

Ashley has built a reputation for transparent communication, proactive problem-solving, and exceptional client service . The Sharpe Mortgage Team's focus on over-communicating and ensuring a seamless mortgage process has made a significant impact on both clients and real estate partners alike.

The Scotsman Guide rankings are widely respected in the mortgage industry, celebrating top-performing loan originators across the nation. Being named to this list solidifies Ashley’s position as a leader in the field and underscores the trust that clients place in The Sharpe Mortgage Team.

Whether you’re purchasing a new home, refinancing, or exploring home equity options, Ashley and her team are committed to providing expert guidance and true availability —ready to assist at any time.

For more information or to start your mortgage journey, contact The Sharpe Mortgage Team today.

Want to Build Your Dream Home? The Sharpe Mortgage Team Can Help

Thu, 27 Mar 2025 19:35:36 GMT

Building your dream home is an exciting journey, but it requires the right financing to turn your vision into reality. Whether you're constructing a custom home from the ground up or undertaking a major renovation, a construction loan can provide the financial support you need. At The Sharpe Mortgage Team, we specialize in helping homeowners navigate the construction loan process with ease and confidence.

What is a Construction Loan?

A construction loan is a short-term financing option designed specifically to fund the building or major renovation of a home. Unlike a traditional mortgage, which provides a lump sum at closing, construction loans disburse funds in stages as the project progresses. These loans cover essential costs such as materials, labor, and permits, ensuring you have the necessary financial resources at each step of the construction process. Once the home is completed, the loan can either be converted into a permanent mortgage or paid off in full.

Benefits of Construction Loans with The Sharpe Mortgage Team

When financing your dream home, choosing the right loan program is essential. Here are some key advantages of our construction loan offerings:

1. Conventional and FHA Loan Options

We offer both Conventional and FHA construction loan products, providing greater accessibility to borrowers with different financial profiles. Whether you have a lower credit score or need a higher loan-to-value (LTV) ratio, our diverse options help more homebuyers qualify for the financing they need.

2. Fixed Rates During Construction and Permanent Mortgage

Market fluctuations can be unpredictable, but with our construction loans, you can lock in a stable interest rate throughout both the construction phase and your permanent mortgage. This feature provides peace of mind and ensures predictable payments, helping you budget more effectively.

3. One-Time Close for Convenience

A seamless financing experience is essential, and our one-time close construction loan simplifies the process. With a single closing that covers both the construction loan and the permanent mortgage, you eliminate the need to refinance when construction is complete. This not only saves time but also reduces closing costs, making your home-building process smoother and more cost-effective.

4. 9- to 12-Month Construction Phase

Building a home takes time, and we understand that flexibility is key. Our construction loans offer a generous timeline of up to 12 months for approved projects, giving builders and homeowners ample time to complete their new home without unnecessary financial pressure.

5. Use Your Own Land to Build

If you already own land, you can leverage it as part of your financing strategy. Whether you're purchasing new land or refinancing an existing property, our loan options allow you to incorporate your land equity into the construction financing process. This flexibility ensures you can build on your own terms without having to secure separate funding for the land purchase.

Why Choose The Sharpe Mortgage Team?

At The Sharpe Mortgage Team, we prioritize transparency, communication, and a stress-free loan process. Our expert team guides you every step of the way, ensuring you have the knowledge and support to make informed financial decisions. We work closely with builders, lenders, and homeowners to ensure a smooth transition from construction to permanent financing.

If you're ready to take the first step toward building your dream home, contact The Sharpe Mortgage Team today. We’ll help you explore your construction loan options and find the perfect financing solution for your project.

�� Call us at 336-575-9448 or visit https://www.sharpemortgageteam.com/ to schedule a consultation!

Spring Cleaning Your Finances: How to Improve Your Credit Before Buying a Home

Thu, 27 Mar 2025 19:29:51 GMT

Spring is a season of renewal, making it the perfect time to refresh not just your home, but your finances as well. If you’re considering buying a home in the near future, improving your credit score should be a top priority. A higher credit score can help you secure better mortgage rates, lower monthly payments, and increase your overall purchasing power. At The Sharpe Mortgage Team, we’re here to guide you through the steps to strengthen your financial health and get you mortgage-ready.

1. Check Your Credit Report for Errors

Before making any changes, start by obtaining a copy of your credit report from the three major credit bureaus: Experian, Equifax, and TransUnion. Review your report carefully to check for errors such as incorrect account balances, late payments that you made on time, or fraudulent accounts. If you find any discrepancies, dispute them immediately to have them corrected.

2. Pay Down High Credit Card Balances

Your credit utilization ratio—the amount of credit you’re using compared to your credit limit—plays a significant role in your credit score. Aim to keep your balances below 30% of your total available credit. Paying off high balances can quickly boost your score and show lenders that you’re responsible with credit management.

3. Make All Payments on Time

Your payment history makes up the largest portion of your credit score. Set up automatic payments or reminders to ensure you never miss a due date. If you’ve fallen behind on payments, work on bringing all accounts current and keeping them that way moving forward.

4. Avoid Opening New Lines of Credit

While it may be tempting to apply for a new credit card or financing offer, opening new credit accounts can cause temporary dips in your score. Avoid taking on new debt before applying for a mortgage to keep your score stable.

5. Keep Older Credit Accounts Open

The length of your credit history is another factor that influences your credit score. If you have older credit accounts in good standing, keep them open even if you don’t use them frequently. Closing them could shorten your credit history and negatively impact your score.

6. Set Up a Budget and Reduce Debt

Creating a budget can help you manage your finances more effectively. Focus on reducing outstanding debts, especially high-interest credit cards and loans. The less debt you carry, the better positioned you’ll be when it’s time to apply for a mortgage.

7. Work with a Mortgage Professional

Improving your credit is a key step in the homebuying process, but knowing where to start can be overwhelming. Working with a mortgage professional, like The Sharpe Mortgage Team, can help you develop a customized plan to boost your credit score and get pre-approved for a home loan. We offer expert guidance and resources to help you achieve your homeownership goals.

Start Preparing for Homeownership Today

Spring is the perfect time to take control of your financial future. By taking these steps to improve your credit, you’ll be in a stronger position to secure a mortgage with favorable terms. If you have questions or need personalized advice, The Sharpe Mortgage Team is here to help. Reach out to us today and let’s get you on the path to homeownership!

Leverage Your Tax Refund: Strategic Approaches for Carolina Homebuyers

Thu, 27 Mar 2025 19:23:22 GMT

Tax season brings a financial opportunity for many North and South Carolina residents—the annual tax refund. While some view this money as a windfall for discretionary spending, savvy potential homebuyers recognize it as a strategic resource for achieving homeownership goals. As mortgage professionals serving the Carolinas, The Sharpe Mortgage Team offers expert recommendations for leveraging your tax refund to strengthen your home-buying position in today's competitive market.

Understanding the Impact of Your Refund

The average federal tax refund for North Carolina residents hovers around $2,800, with South Carolina residents seeing similar figures. While this amount might seem modest compared to total home costs, strategically applying these funds can significantly impact your home-buying capabilities.

"Many clients don't realize how impactful even a few thousand dollars can be when strategically applied to the home-buying process," explains Ashley McKenzie-Sharpe of The Sharpe Mortgage Team. "We help clients analyze where those refund dollars will provide maximum leverage in their specific situation."

Strategic Option #1: Boost Your Down Payment

The Power of Increasing Your Down Payment

Applying your tax refund directly to your down payment fund offers several advantages:

Expanded buying power : Every dollar added to your down payment increases your purchasing power by $4-$5 in total home price, depending on your loan program.
Improved loan terms : Reaching key down payment thresholds (5%, 10%, 20%) can unlock better interest rates and loan terms.
PMI elimination or reduction : Reaching 20% down eliminates Private Mortgage Insurance on conventional loans, while even smaller increases can reduce monthly PMI costs.

Down Payment Programs: Multiplying Your Refund's Impact

Combining your tax refund with NC Housing Finance Agency programs can be particularly powerful for North Carolina residents. The NC 1st Home Advantage Down Payment program provides qualified first-time buyers and military veterans with $8,000 in down payment assistance.

Similarly, South Carolina's SC Housing programs offer significant down payment assistance that can be accessed with minimal borrower contribution—making your tax refund potentially sufficient to unlock these benefits.

Strategic Option #2: Reduce Debt-to-Income Ratio

The DTI Factor in Mortgage Approval

Your debt-to-income (DTI) ratio—the percentage of monthly income devoted to debt payments—is a critical factor in mortgage qualification. Using your tax refund to pay down debts can dramatically improve this ratio.

Strategic Debt Reduction

Not all debts impact your mortgage application equally. We recommend focusing on:

Revolving credit card debt : This typically has the highest impact on credit scores and DTI calculations.
Small balance installment loans : Eliminating an entire monthly payment provides more DTI improvement than reducing several payments.
Collections or past-due accounts : Resolving these can provide substantial credit score improvements.

Strategic Option #3: Cover Closing Costs

Understanding Closing Cost Impact

Closing costs typically range from 2-5% of the loan amount. Using your tax refund toward closing costs can:

Preserve more of your savings for a down payment
Allow you to accept a better loan offer with fewer seller concessions
Potentially enable you to buy "more house" by directing maximum funds to a down payment rather than closing costs

Several regional lenders offer closing cost assistance programs that can be paired with your tax refund dollars for maximum impact.

Strategic Option #4: Strengthen Your Reserves

The Importance of Cash Reserves

Mortgage lenders increasingly focus on post-closing liquidity—the cash you'll have available after completing your home purchase. Strong reserves make you a more attractive borrower and can compensate for other application weaknesses.

Building a Homeownership Emergency Fund

Your tax refund can establish this financial safety net, protecting against unexpected repairs or income disruptions.

Strategic Option #5: Credit Score Improvement

The ROI of Credit Enhancement

Few financial moves offer a better return on investment than strategic credit score improvement. Using your tax refund to improve your score by even 20 points could save thousands over the life of your mortgage through improved interest rates.

Professional Credit Analysis

Consider investing part of your refund in professional credit analysis and optimization. The Sharpe Mortgage Team offers complimentary credit reviews for prospective buyers, identifying specific actions based on your unique credit profile.

NCHFA and Special Programs for Carolina Residents

North Carolina Options

NC Home Advantage Mortgage : Combines competitive rates with down payment assistance
NC 1st Home Advantage : Provides $8,000 in down payment assistance for first-time buyers
NC Home Advantage Tax Credit : Offers up to $2,000 annual tax credit for qualified buyers

South Carolina Options

Palmetto Home Advantage : Offers competitive rates with down payment assistance
SC Housing Homebuyer Program : Provides fixed-rate mortgages with down payment assistance

Developing Your Tax Refund Strategy

The ideal strategy for your tax refund depends on your specific home-buying timeline:

Immediate Purchase Plans (0-3 months) : Direct your refund toward closing costs or down payment.
Mid-Term Purchase Plans (3-12 months) : Focus on debt reduction and credit score improvement.
Longer-Term Plans (12+ months) : Consider investing your refund in a high-yield savings account for future down payment needs.

Working with The Sharpe Mortgage Team

At The Sharpe Mortgage Team, we specialize in helping Carolina residents develop personalized strategies for achieving homeownership. Our approach includes:

Personalized financial analysis
Custom mortgage pre-approval
Access to specialized programs
Ongoing guidance as you save and prepare for homeownership

 Ready to develop your strategy for using your tax refund in your home-buying journey? Call The Sharpe Mortgage Team at 336-575-9448 or visit https://www.sharpemortgageteam.com/ to schedule a consultation today.

Spring Home Buying in the Carolinas: Advantages, Challenges, and Strategies for Success

molly@octostrategies.com (Molly Kerr) — Thu, 27 Mar 2025 19:18:50 GMT

As temperatures rise, so does the Carolina real estate market. Spring brings increased inventory, ideal home-viewing conditions, and a prime window for families to move before the school year. However, it also comes with higher competition, potentially higher prices, and faster decision-making.

Spring Market Advantages

More Listings: Inventory typically rises 15-30%, giving buyers more options.
Better Home Assessments: Spring rains reveal drainage issues, and HVAC systems can be tested before summer.
Ideal Timing for Families: Moving before school starts makes transitions smoother.

Challenges to Consider

Increased Competition: Popular homes receive multiple offers quickly.
Faster Market Pace: Buyers must act fast to secure properties.
Higher Prices: Homes may sell at a 2-5% premium compared to winter.

Winning Strategies for Spring Buyers

✔ Get Pre-Approved: A strong financing position makes your offer stand out.
✔ Be Ready to Act Fast: Define your must-haves and be prepared to make quick decisions.
✔ Consider Off-Peak Timing: Early March and late May may offer better deals.
✔ Explore Emerging Neighborhoods: Areas with growth potential offer more value.

Special Considerations

Coastal Buyers: Factor in rising insurance costs and assess properties before hurricane season.
Mountain Buyers: Check for road access and water drainage issues.
New Construction: Spring is prime time for builder incentives and new developments.

Ultimately, the best time to buy is when you're financially ready and find the right home. The Sharpe Mortgage Team is here to help you navigate the Carolina market with expert guidance and personalized financing solutions.

Ready to start your home search? Call The Sharpe Mortgage Team at 336-575-9448 or visit sharpemortgageteam.com today!

Winston-Salem Named One of America’s Happiest Cities

Thu, 27 Mar 2025 19:15:03 GMT

Winston-Salem has earned a spot on WalletHub’s 2025 Happiest Cities in America list, joining three other North Carolina cities recognized for fostering strong mental and physical well-being. This ranking underscores Winston-Salem’s growing reputation as a city where residents enjoy a high quality of life, thanks to its vibrant community, economic opportunities, and rich cultural scene.

Why Winston-Salem Stands Out

WalletHub’s study evaluated 182 cities based on 29 key indicators of happiness, including mental health, job satisfaction, income growth, and leisure time. Winston-Salem’s inclusion highlights the city's balance of affordability, career opportunities, and community engagement.

As home to thriving arts, healthcare, and tech industries, Winston-Salem offers residents both professional growth and personal fulfillment. The city’s lower cost of living compared to other metro areas, combined with access to parks, cultural events, and a strong sense of community, creates an environment where people can truly thrive.

A Growing Trend in the Carolinas

Winston-Salem joins Raleigh, Durham, and Charlotte as North Carolina cities recognized for their happiness levels, reinforcing the state’s appeal as a great place to live and work. In South Carolina, Charleston ranked even higher, coming in at No. 14 nationally.

The Science Behind Happiness

Research shows that happiness isn’t just about financial success—factors like social connections, health, and daily leisure time play a significant role. While the U.S. is one of the wealthiest countries, it ranks only 23rd on the World Happiness Report. Cities like Winston-Salem stand out because they offer a well-rounded lifestyle that prioritizes well-being beyond just income levels.

As more people seek communities that foster happiness and overall life satisfaction, Winston-Salem’s recognition on this list is yet another reason to consider calling it home.

Learn more here and here .

Spring Home Maintenance Checklist for Carolina Homeowners

Thu, 27 Mar 2025 19:00:15 GMT

Spring in North and South Carolina brings unique challenges, from pollen buildup to coastal weather concerns. Proper seasonal maintenance protects your investment and prevents costly repairs. The Sharpe Mortgage Team has compiled this essential checklist to keep your home in top shape.

Exterior Maintenance

Roof & Gutters: Check for damaged shingles, clean gutters, and ensure proper drainage.
Foundation & Structure: Inspect for cracks, moisture issues, and deck stability.
Landscaping: Trim trees, clear drainage, and prep lawn equipment.

Interior Systems

HVAC: Schedule servicing, replace filters, and test cooling systems.
Plumbing: Check for leaks, flush the water heater, and inspect caulking.
Safety: Test smoke detectors, check fire extinguishers, and review emergency plans.

Carolina-Specific Considerations

Humidity: Look for mold, maintain dehumidifiers, and check for condensation issues.
Storm Prep: Trim branches, review insurance, and update emergency kits.
Pest Control: Inspect screens, seal openings, and check for termite activity.

Financial Check-In

Spring is a great time to review your homeowner’s insurance, mortgage statement, and refinancing options. If major repairs are needed, The Sharpe Mortgage Team can help with home equity loans, cash-out refinancing, and renovation financing.

Take care of your home, and it will take care of you. Need financial guidance for home improvements? Call us at 336-575-9448 or visit The Sharpe Mortgage Team today!

Meaningful Ways to Celebrate Earth Day in Winston-Salem, NC

devin@octostrategies.com (Devin Rambo) — Thu, 27 Mar 2025 18:29:08 GMT

Earth Day is a time to reflect on our planet's beauty and the responsibility we all share in preserving it for future generations. Winston-Salem offers a myriad of opportunities to connect with nature and make a positive impact on Earth Day and beyond. From community events to outdoor adventures, here are five meaningful ways to celebrate Earth Day in Winston-Salem.

Spring Events in the Piedmont Triad

Thu, 27 Mar 2025 14:26:50 GMT

As the weather warms up and flowers begin to bloom, it's the perfect time to get out and explore what the NC Triad has to offer. From cultural experiences to community celebrations, there's something for everyone this spring. Here are some events you won't want to miss:

1. RiverRun International Film Festival

The RiverRun International Film Festival, held in Winston-Salem, NC, is more than just a film festival; it's a celebration of cinema's power to unite and inspire. Dedicated to showcasing diverse perspectives and powerful ideas, RiverRun offers a 10-day extravaganza of film screenings, discussions, and events. But the festival's impact extends beyond those 10 days, with year-round programs that engage audiences and foster appreciation for the art of filmmaking. Whether you're a cinephile or just looking for thought-provoking entertainment, RiverRun has something for you.

Visit their website for more information.

2. Piedmont Earth Day Fair

Join the Piedmont Environmental Alliance for the largest Earth Day Fair in the region! This free event is a fantastic opportunity to support the planet while enjoying food, music, and fun for the whole family. Explore earth-friendly exhibitors, learn about sustainability initiatives, and discover how you can make a difference in your community. Rain or shine, the Piedmont Earth Day Fair is a celebration of our planet and our commitment to a greener future.

Learn more on their website.

3. Carolina Core Brews Fest

Calling all craft beer enthusiasts! Don't miss the inaugural Carolina Core Brews Fest, where you can indulge in unlimited samples of delicious local brews. With a diverse selection of beers, delectable treats from top-notch vendors, live music, and family-friendly activities, this festival is sure to delight beer lovers of all ages. Join the thriving beer community for an unforgettable day of camaraderie and celebration.

Get your tickets and find out more here.

4. Tour of Fine Spaces

Experience the beauty and innovation of the Triad's finest homes at the 18th Annual Tour of Fine Spaces. Hosted by the Junior League of Winston-Salem, this self-guided tour offers a rare glimpse into stunning designs and skilled craftsmanship. Each ticket supports literacy and health programs for women and families in Forsyth County, making this tour both inspiring and impactful. Don't miss the chance to explore these unique spaces and make a difference in your community.

Secure your tickets now and learn more about the tour.

Don't let spring pass you by without experiencing these exciting events across the NC Triad. Whether you're a film buff, a nature lover, a beer connoisseur, or simply looking for a good time, there's something for everyone to enjoy. So mark your calendars, gather your friends and family, and make the most of this vibrant season!

For more spring events in Winston-Salem and across the Triad, click here and here .

Celebrate St. Patrick’s Day in Winston-Salem, NC

Mon, 10 Mar 2025 19:20:54 GMT

Winston-Salem is gearing up for a festive weekend of St. Patrick’s Day celebrations! From traditional feasts to lively bar crawls, there’s something for everyone to enjoy this St. Paddy’s Day weekend. So, don your green attire and join the festivities! Here are some great events to attend.

Prepare Your Home For Spring In The Carolinas

Mon, 24 Feb 2025 21:14:07 GMT

This year, the March equinox occurs on the 20th, marking the astronomical first day of spring in the Northern Hemisphere. As the rhododendrons begin to blossom, this season is prime time for outdoor activities and gives the fall foliage in Winston-Salem and across the Carolinas mountains a run for its money.

In addition to its vibrancy, spring is known as the best time of the year to sell real estate in U.S. If you have not fixed up your home during quarantine, take notes of these tips to prepare your home for spring in the Carolinas:

Clean Gutters and Downspouts

Climb a ladder and clear out any debris that may have accumulated in the gutters. This can be done with a trowel or small shovel. Pay close attention to the area around the downspout. If there is clogging, it won’t drain properly, which can cause your gutters to sag.

2. Check for Roof Damage

While you are up the ladder, examine and assess any potential damages to the roof. A roof that needs extensive repair can be quite off-putting to prospective buyers, so make sure to keep an eye out for leaks, curled-up shingles, dark streaks, and moss. If you find problems, you may want to have them repaired. Reach out to your insurance rep to see if your homeowner’s policy or home warranty may cover some of the costs.

3. Repaint with Neutral Colors

A fresh coat of paint can give your home an instant facelift at a reasonable cost. The best paint colors to pick are neutrals, such as agreeable gray and different shades of white. If you are on a budget or in a time crunch, prioritize the rooms that are painted bright colors, as vivid hues may not appeal to the broader spectrum of buyers.

4. Refresh Your Linens

The cheapest way to give your home a new look is to change out pillowcases, duvet covers, and throws across your house. You can play around with geometric patterns and bolder colors against neutral pieces of furniture.

5. Keep Up with Your Lawn Care

A well-kept yard can add significant value to your home’s curb appeal. Make sure to mow your lawn, trim back trees and shrubbery, and water your plants and flowers to keep them lively.

Are you interested in purchasing a home in Winston-Salem or the surrounding areas? The Sharpe Mortgage Team would love to discuss your financing options and refer you to one of our trusted real estate partners. Call us today !

Make A Strong Home Offer in Winston-Salem

ben@octostrategies.com (Ben Thornburg) — Mon, 24 Feb 2025 19:38:42 GMT

House hunting is arguably the most enjoyable part of the homebuying process, though it usually requires a great deal of patience until you find a home you love. In a hot real estate market, it also means that when that moment comes, you will need to act fast and be ready to write a check. To make sure you are ready to put in your best offer on the house of your dreams, have a look at these tips.

Bring your team to the table – A good real estate agent can help you navigate and ensure a favorable purchase contract while a loan officer can issue you a pre-approval letter. A pre-approval is as close as you can get to showing your credit worthiness before locking in your mortgage and shows sellers that you have the wherewithal at your disposal to buy the property. This will give you an edge over all other buyers without a pre-approval letter as sellers will know that you are serious about your offer and qualified to go through with the purchase.

Do your research – Make sure to think through your must-haves in a home as well as desired neighborhoods and share them with your real estate agent. A proactive agent will use comparable sales (commonly referred to as “comps”) to present a comparative market analysis (CMA). This collection of comps will account for location, square footage, condition of similar properties, and many other elements to arrive at an estimate of the home’s fair market value.

Negotiate – When you make an offer, your real estate agent will put together a contract that contains all of the items that will act as a benchmark for the final agreement. This document will lay out the offer price, down payment, earnest money, closing costs, closing date, and other contingencies. If the seller is not quite satisfied with the buyer’s initial bid, they will likely make a written counteroffer with changes they deem suitable, which may include the sales price, the removal of certain contingencies, a greater earnest money deposit, or a different closing date. Each time the terms of the offer are changed, the other party has the option to accept or reject. Once both parties agree and sign the acceptance to a proposal, the document becomes a binding contract.

Purchasing a new home can be a thrilling yet sometimes stressful experience. The Sharpe Mortgage Team is here to take as much of stress out of it and answer any questions you might have. If you don’t yet have a real estate agent, we would be more than happy to suggest a trusted agent who can help you. Call us at your earliest convenience so we can work together to make your dreams of owning a new home a reality.

Purchasing A Townhome Or Condo In Winston-Salem

ben@octostrategies.com (Ben Thornburg) — Mon, 24 Feb 2025 19:23:00 GMT

Condos and townhouses typically come with an array of benefits that include amenities, proximity to retail areas, and lower maintenance, but there can also be downsides to this type of property. Lenders look at condos and townhomes in a different light, and they often apply stricter standards than those of a conventional home loan. To understand the process of purchasing a condo or townhome, let’s break down the classification of properties.

Mortgage lenders classify homes by type, which includes, detached, semi-attached and attached homes. Detached homes are those where the residents share no walls with another dwelling. Semi-detached are those sharing a single wall, whereas attached homes share more than one wall.

More shared wall space translates to increased risk as shared constructions are subject to damage from neighboring residents. The enhanced risk often results in a different type of loan approval process and/or higher loan rates. I would be happy to set up a time with you to review the mortgage process together.

In addition to type, properties are classified according to ownership of space. A condominium owner has no title to their land, whereas a townhome owner typically owns the ground directly beneath the structure. This is known as a “zero lot line,” a piece of residential real estate in which the structure comes up to, or very near to, the edge of the property line. Though townhouse owners typically look to maximize square footage, some may include small yards or outdoor patios.

As a buyer of a condominium unit, you own all the interior walls and balconies, patios, or decks, but none of the exterior building. Condo owners often buy a stake in the community’s facilities and common areas. The Homeowners Association (HOA) board is charged with overseeing the upkeep of these common areas at a fee. In contrast, townhome owners buy the entire unit, including exterior walls and the land on which the unit sits.

If you are looking to purchase such properties, it is important to inquire about fees and any applicable restrictions. Some of these fees and limitations relate to HOA dues, assessment fees for community projects, rental caps, and pet policies.

If you are ready to purchase a townhome, condo, or single-family home in Winston Salem or the surrounding areas, allow The Sharpe Mortgage Team to be of service. We look forward to working with you to find the perfect home that fits your needs. Call us today to set up an appointment!

Spring House Hunting Tips for Buyers in Winston-Salem

Mon, 24 Feb 2025 15:35:42 GMT

Spring is one of the busiest seasons for real estate, and Winston-Salem is no exception. With its charming historic districts, vibrant arts scene, and strong job market, it's no wonder more buyers are looking to call this city home. If you’re thinking about buying a home this spring, you’ll need a plan to navigate the competitive market. Here are some essential tips to help you find and secure your dream home in Winston-Salem.

1. Get Pre-Approved for a Mortgage with Local Expertise

Before you start house hunting, getting pre-approved for a mortgage is a must. This step not only helps you understand your budget but also shows sellers that you are a serious buyer. Working with a local lender like The Sharpe Mortgage Team ensures that you have someone familiar with the Winston-Salem market and its unique lending landscape, giving you an edge over out-of-town buyers.

2. Focus on Winston-Salem’s Hot Neighborhoods

Spring listings go fast, so knowing where to look can make all the difference. Areas like Ardmore, Buena Vista, and West End are highly sought-after for their historic homes and walkable communities, while Sherwood Forest and Clemmons offer suburban charm with great schools. Have a clear idea of your must-haves versus nice-to-haves so you can act quickly when the right home hits the market.

3. Attend Local Open Houses & Get to Know the Community

One of the best parts about house hunting in Winston-Salem is the opportunity to explore its unique neighborhoods. Many homes host weekend open houses in the spring, allowing you to get a feel for the area and meet potential neighbors. Plus, local events like the Cobblestone Farmers Market and the RiverRun International Film Festival can give you a true taste of life in Winston-Salem.

4. Work with a Winston-Salem Real Estate Expert

A great real estate agent who knows Winston-Salem well can help you find listings before they hit the market and negotiate the best deal for you. Local agents often have inside knowledge on upcoming listings in desirable areas like Washington Park or the growing Innovation Quarter.

5. Make a Strong Offer that Appeals to Local Sellers

In a competitive market, a strong offer goes beyond just the price. Many Winston-Salem sellers appreciate buyers who are flexible with closing dates or who express genuine appreciation for the home's character. Consider writing a personal letter, especially if you’re bidding on a historic property in neighborhoods like West Salem or Ardmore.

6. Understand the Local Market & Be Ready for Bidding Wars

Spring often brings multiple-offer situations, especially in Winston-Salem’s most desirable areas. Be prepared by knowing your maximum budget and considering escalation clauses that allow your offer to increase incrementally if competing offers arise.

7. Explore New Developments & Hidden Gems

While historic neighborhoods are popular, Winston-Salem is also home to exciting new developments like Bailey Park and The Ramkat district, which offer modern living with easy access to downtown. Don’t overlook emerging areas where you might find more value for your budget.

Find Your Dream Home in Winston-Salem This Spring!

The Winston-Salem housing market moves fast in the spring, but with the right preparation, you can find the perfect home. The Sharpe Mortgage Team is here to help make your home financing process as smooth and stress-free as possible. Contact us today to get pre-approved and start your home search with confidence!

March Events in Winston-Salem, NC

Mon, 24 Feb 2025 15:35:21 GMT

Spring is arriving, and Winston-Salem has a full calendar of events to enjoy throughout March. From sports and live theater to concerts and unique seasonal experiences, here are some highlights you won’t want to miss.

Wake Forest basketball fans can catch the Demon Deacons in their final ACC home games at LJVM Coliseum on March 1 and March 8. Sports fans can also enjoy Carolina Thunderbirds hockey with home games against the Columbus River Dragons on March 7-8 and March 21-22 at the Winston-Salem Fairgrounds Arena.

Theater lovers have several performances to look forward to this month. The North Carolina Black Repertory Company presents August Wilson’s Pulitzer Prize-winning drama Fences at Hanesbrands Theatre from March 1-16. The Winston-Salem Theatre Alliance will showcase The Game’s Afoot , a comedic whodunit, from March 14-23, while the Little Theatre of Winston-Salem presents Unnecessary Farce from March 28-30 and April 3-6.

For literary and mystery enthusiasts, Murder & Margaritas with Sandra Brown on March 5 at Reynolds Place Theatre offers an evening with the bestselling author, including a discussion of her latest novel. On March 7, the Murder Mystery Fundraiser at Robert Hall provides an interactive evening of sleuthing in support of the Winston-Salem Police Foundation.

Art and culture events include Family Art Activities at the NC Museum of Art on March 8, where visitors can explore hands-on projects inspired by current exhibitions. Reynolda House Museum of American Art will also host Drinks @ Dusk on March 28, featuring cocktails, live music, and the opportunity to view the Andrew Wyeth exhibit.

Those looking for outdoor and seasonal experiences can celebrate spring at Spring Festivité at Junius Lindsay Vineyard on March 15, an event featuring French-style wines, curated food pairings, and live jazz. On March 22, Family Cherry Blossom Tea at Reynolda Gardens invites guests to enjoy tea, treats, and creative activities under the garden’s cherry blossoms.

Live music events this month include NCMA Crossroads Concert : Caroline Rose on March 15 and the NCMA Lakeside Concert Series on March 29, featuring an atmospheric performance by Spencer Zahn and Dawn Richard. The UNCSA Jazz Festival on March 29 will showcase a full day of jazz performances at the Millennium Center.

These are just a few of the many events happening in Winston-Salem this March. For the full list, click here .

Prepare Your Winston-Salem Home To Sell

ben@octostrategies.com (Ben Thornburg) — Mon, 24 Feb 2025 13:56:58 GMT

The real estate market in North Carolina is red-hot. A shortage of available homes, combined with high demand, has created a strong seller’s market. If you’ve been thinking about listing your home, now is a great time to take advantage of these conditions.

Before putting your home on the market, preparation is key. Here are some essential steps to ensure your home is market-ready and positioned to attract top-dollar offers.

Start with an Honest Assessment

Invite a trusted friend or an experienced Realtor to walk through your home and provide honest feedback. A fresh set of eyes can help identify potential concerns that may turn off buyers.

Address Structural and Maintenance Issues

Schedule a professional home and pest inspection to uncover any hidden issues.
Take care of necessary repairs, both big and small, before listing.
Ensure your HVAC, plumbing, and electrical systems are in good working order.

Refresh Interior Spaces

Steam clean carpets and draperies, or replace them if they are too worn.
Consider repainting walls in neutral tones to appeal to a broader range of buyers.
Update fixtures such as faucets, cabinet pulls, and light fixtures to give your home a more modern feel.

Upgrade Key Selling Features

Kitchens and bathrooms play a major role in a buyer’s decision-making process. If needed, consider:

Updating appliances, countertops, and cabinets.
Replacing outdated hardware and fixtures.
Ensuring countertops are clear and clutter-free to create a clean, spacious look.

Declutter and Depersonalize

Remove excess items from countertops, bookshelves, and surfaces to create an open, airy feel.
Take down personal photos and artwork to allow buyers to envision their own future in the space.
Deep clean every room to ensure your home is spotless and move-in ready.

Boost Your Curb Appeal

First impressions matter, and the exterior of your home sets the tone. Make sure to:

Keep sidewalks and driveways clear and well-maintained.
Mow the lawn, trim hedges, and refresh landscaping.
Paint faded window trim, clean gutters, and ensure house numbers are visible.

By following these steps, you’ll increase your home’s appeal and maximize its value in today’s competitive market.

If you’re ready to explore your home financing options in Winston-Salem and the surrounding areas, contact The Sharpe Mortgage Team. We’ll help you navigate your financial goals and find the right loan program for your next home.

Winston-Salem's Local Businesses Help Make Valentine's Day Memorable

Fri, 24 Jan 2025 20:27:33 GMT

Valentine's Day is just around the corner, and what better way to celebrate love than by supporting local businesses in Winston-Salem? From charming boutiques to cozy eateries, this vibrant city has everything you need to create a memorable and heartfelt Valentine's Day experience.

Finding the Perfect Home in the Piedmont Triad

Fri, 24 Jan 2025 19:03:45 GMT

Embarking on the journey to find your ideal home is an exhilarating time, especially within the wonderful region of Winston-Salem and the Piedmont Triad. Nestled in the heart of North Carolina, this area boasts an array of housing options that cater to diverse lifestyles and preferences.

Innovative Homebuying Solutions

molly@octostrategies.com (Molly Kerr) — Fri, 24 Jan 2025 18:54:50 GMT

At The Sharpe Mortgage Team, we understand that each homebuyer has unique needs and goals when it comes to purchasing a home which is why we offer a diverse range of programs that cater to every situation.

Buyer’s Agents Are the Heart of Buying a Home

Fri, 24 Jan 2025 17:57:22 GMT

I work with some of the best agents in the Triad and am here to tell you that they are the cornerstone of buyer care. Buying a home is complex and the skill and expertise buyer’s agents bring to transactions can make all the difference for our customers. I greatly admire the dedication of buyer’s agents to helping customers find the perfect home and ensuring a smooth transaction from start to finish.

Mocha Mousse: The 2025 Pantone Color of the Year

molly@octostrategies.com (Molly Kerr) — Fri, 24 Jan 2025 17:08:13 GMT

Every year, PANTONE’s Color of the Year sets the tone for design trends in fashion, interior design, branding, and beyond. For 2025, PANTONE has unveiled PANTONE 17-1230 Mocha Mousse, a rich, earthy brown that embodies warmth, sophistication, and grounded resilience. This versatile shade is poised to make a significant impact across industries, offering endless possibilities for creative expression.

Why Mocha Mousse?

PANTONE’s selection of Mocha Mousse reflects a growing desire for connection, stability, and comfort in an ever-changing world. Its deep brown hue evokes the richness of freshly brewed coffee, the natural elegance of wood grains, and the timeless appeal of leather. This color’s warm undertones and neutral versatility make it a perfect canvas for both bold and subtle designs.

According to PANTONE, Mocha Mousse was chosen to symbolize our collective grounding and a return to appreciating the beauty of simplicity. It’s a color that bridges the gap between the organic and the modern, making it equally at home in rustic and contemporary settings.

Mocha Mousse in Interior Design

Mocha Mousse is a versatile hue perfect for creating cozy yet sophisticated spaces. Here are some ways to incorporate this trending color into your home:

Accent Walls: Add depth and elegance with Mocha Mousse as a focal point in living rooms or bedrooms. Pair it with lighter neutrals like cream or beige for balance.
Furniture and Textiles: Use plush sofas, leather armchairs, or soft throw blankets in this shade to enhance texture and comfort.
Natural Pairings: Complement Mocha Mousse with materials like reclaimed wood, rattan, or stone to highlight its earthy charm.

Pairing Mocha Mousse with Other Colors

This color pairs beautifully with:

Neutrals: Cream, taupe, or light gray for a subtle, sophisticated palette.
Bold Colors: Jewel tones like emerald green or deep burgundy for dramatic contrast.
Pastels: Blush pink or mint green for a fresh, modern vibe.

Mocha Mousse is more than a trend—it’s a reflection of a desire for grounding and connection. Whether as an accent or a primary color, this hue is set to inspire stunning interiors in 2025.

Tips for First-Time Homebuyers in Winston-Salem, NC

Fri, 24 Jan 2025 15:42:55 GMT

Are you thinking of purchasing your first home in Winston-Salem, North Carolina? Congratulations! The Sharpe Mortgage Team is excited to help you navigate the homebuying process with confidence and find the perfect abode that suits your lifestyle and budget. Here are some tips to help you along the way.

Exploring the Arts and Culture Scene in Winston-Salem

Fri, 24 Jan 2025 14:00:09 GMT

Winston-Salem has a vibrant arts and culture scene waiting to be explored. From world-class museums to unique galleries, the Twin City has something for everyone who appreciates the finer things in life.

The Benefits of Owning a Home in Winston-Salem, North Carolina

Fri, 24 Jan 2025 01:58:32 GMT

Winston-Salem, nestled in the heart of North Carolina's Piedmont Triad, is a city that effortlessly blends tradition with modernity, offering its residents a unique and vibrant living experience. As the city continues to evolve, there has never been a better time to explore the benefits of owning a home in Winston-Salem.

Neighborhood Guide: Greensboro, NC

Mon, 13 Jan 2025 19:18:19 GMT

Greensboro , North Carolina, is a city brimming with charm, diversity, and a variety of neighborhoods that cater to different lifestyles. Whether you’re searching for a family-friendly community, a historic district with character, or modern suburban living, Greensboro has something to offer.

Friendly Acres: A Family-Oriented Gem

If you’re searching for a neighborhood that perfectly blends convenience with a family-friendly atmosphere, look no further than Friendly Acres. This community is known for its excellent schools, making it a top choice for families with children. With tree-lined streets and spacious homes, Friendly Acres offers a safe and welcoming environment where kids can play, and families can grow. You’ll also find a variety of parks and recreational activities nearby, making it an ideal place to call home.

Fisher Park: Historic Charm and Character

Step into the past while enjoying modern amenities in Greensboro’s Fisher Park neighborhood. This historic district is renowned for its character-rich homes, many of which date back to the early 20th century. Strolling through Fisher Park, you’ll notice the beautiful architecture, charming gardens, and the serene park at the community’s heart. It’s a favorite spot for those who appreciate history, culture, and a tight-knit community feel. Plus, its central location offers easy access to downtown Greensboro’s dining and entertainment options.

Adams Farm: Modern Suburban Living

Adams Farm combines the best of suburban living with a touch of modern convenience. This master-planned community features a mix of single-family homes and townhouses, all surrounded by excellent amenities. Residents enjoy access to walking trails, playgrounds, and even a private lake. With shopping, dining, and top-notch schools just minutes away, Adams Farm is a sought-after location for families and professionals alike.

Greensboro offers a wide range of neighborhoods that cater to various preferences and lifestyles. From the family-friendly vibe of Friendly Acres to the historic charm of Fisher Park and the modern amenities of Adams Farm, each area brings something special to the table. Whether you’re moving to Greensboro or just exploring your options, these neighborhoods highlight why so many people choose to call this vibrant city home.

Neighborhood Guide: High Point, NC

Mon, 13 Jan 2025 19:16:31 GMT

Known as the "Furniture Capital of the World," High Point, North Carolina , is also home to a variety of neighborhoods that cater to diverse needs and tastes. Whether you’re drawn to traditional elegance, strong community ties, or new modern developments, High Point has a neighborhood for you. In this guide, we’ll explore three standout neighborhoods: Emerywood, Westchester, and Deep River.

Emerywood: Traditional Elegance

Nestled in the heart of High Point, Emerywood exudes traditional elegance. This neighborhood is characterized by its stately homes, mature landscaping, and quiet streets. Perfect for those who appreciate a classic aesthetic, Emerywood offers a sense of timeless beauty. Its proximity to High Point’s vibrant downtown ensures residents have access to dining, shopping, and cultural attractions, all while enjoying the peacefulness of a residential area.

Westchester: A Community with Heart

Westchester is a family-friendly neighborhood that prides itself on strong community ties. With its mix of affordable housing options and larger family homes, Westchester attracts residents from all walks of life. The area’s parks, schools, and local events create a sense of togetherness that is hard to find elsewhere. Whether you’re hosting a neighborhood barbecue or cheering on the local sports teams, you’ll feel right at home in Westchester.

Deep River: New and Modern Living

For those who love the idea of new developments and modern amenities, Deep River is the perfect choice. This rapidly growing neighborhood features contemporary homes and townhouses designed with today’s lifestyle in mind. Deep River’s appeal lies in its combination of modern conveniences, such as shopping and dining options, with easy access to outdoor activities like walking trails and green spaces. It’s a favorite for young professionals and growing families looking to settle in High Point.

High Point’s neighborhoods offer a little something for everyone. From the timeless elegance of Emerywood to the community-focused vibe of Westchester and the contemporary appeal of Deep River, each area provides a unique living experience. Whether you’re new to High Point or considering a move within the city, these neighborhoods showcase the diverse and welcoming spirit of this North Carolina gem.

Homebuyer Tips for 2025

Mon, 06 Jan 2025 15:31:03 GMT

Buying a home in Winston-Salem in 2025 offers exciting opportunities, but preparation is key to navigating the process successfully. Start by reviewing your finances and determining your budget. This includes checking your credit score, paying down debts, and saving for a down payment.

Getting pre-approved for a mortgage is an essential next step. Pre-approval not only clarifies your budget but also shows sellers that you’re a serious buyer. Work with a local lender who understands the Winston-Salem market and can provide personalized guidance.

Research neighborhoods to find the right fit for your lifestyle. Winston-Salem offers diverse options, from historic districts like West End to suburban areas with top-rated schools. Consider factors like commute times, amenities, and community vibe.

When you find a potential home, don’t skip the inspection. A thorough inspection ensures there are no hidden issues that could turn your dream home into a costly headache. Finally, work with an experienced real estate agent who can negotiate on your behalf and guide you through closing.

By following these tips, you’ll be well-prepared to find and secure your perfect home in Winston-Salem this year.

Home Maintenance Checklist by Season

Mon, 06 Jan 2025 15:30:34 GMT

Maintaining your Winston-Salem home throughout the year is essential for preserving its value and avoiding costly repairs. Here’s a comprehensive seasonal checklist to keep your property in excellent condition:

Winter:

Inspect your HVAC system and replace filters.
Check for drafts around windows and doors and seal them as needed.
Clean gutters to prevent ice dams.
Test smoke and carbon monoxide detectors.

Spring:

Clean windows and screens.
Inspect the roof for damage from winter weather.
Service lawn equipment and prepare landscaping.
Check for leaks in plumbing and around appliances.

Summer:

Maintain landscaping by trimming trees and shrubs.
Inspect and clean outdoor decks and patios.
Test your home’s irrigation system.
Schedule a professional pest control inspection.

Fall:

Clean gutters and downspouts after leaves have fallen.
Service your furnace to ensure it’s ready for winter.
Drain and store garden hoses.
Inspect the chimney and fireplace if you have one.

By staying on top of these tasks, you’ll keep your home safe, energy-efficient, and ready for whatever the seasons bring.

Top Winter Activities in Winston-Salem

Mon, 06 Jan 2025 15:29:38 GMT

Winter in Winston-Salem is a magical time, offering a blend of cultural, historical, and outdoor activities that cater to all interests. Whether you’re a long-time resident or new to the area, there’s no shortage of things to do during the colder months.

History buffs will enjoy exploring Old Salem , a restored Moravian settlement that comes alive with holiday decorations and seasonal events. The candlelit tours and traditional Moravian music offer a glimpse into the past while celebrating the winter season.

Art enthusiasts can visit the Reynolda House Museum of American Art , which features stunning exhibits and a beautifully preserved historic estate. The museum’s serene gardens are equally enchanting in the winter, offering a peaceful retreat.

For outdoor lovers, Hanging Rock State Park and Pilot Mountain State Park are just a short drive away. Winter hikes provide breathtaking views, and the crisp air makes for a refreshing escape. Be sure to dress warmly and pack a thermos of hot cocoa to enjoy along the trails.

Winston-Salem’s culinary scene also shines in the winter. Cozy up at local restaurants serving hearty, seasonal dishes or explore the city’s thriving craft beer scene. Many breweries offer heated outdoor spaces where you can relax and enjoy the flavors of the season.

With its mix of activities and community spirit, Winston-Salem is a wonderful place to experience the charm of winter.

Thinking of Selling? Must-Fix Items that Hurt Property Values

Mon, 06 Jan 2025 15:28:00 GMT

If you’re planning to sell your home in Winston-Salem, NC, making the right repairs and updates is crucial for maximizing its value. Buyers are more likely to make strong offers on homes that are well-maintained and move-in ready. Neglecting certain issues, however, can hurt your property’s appeal and lead to lower offers.

Start with the basics: maintenance and repairs. Address any obvious issues, such as leaking faucets, damaged roofing, or cracked windows. These problems signal neglect and can make buyers hesitant to move forward. Hire a professional to inspect your HVAC system, plumbing, and electrical components to ensure everything is in working order.

Cosmetic updates are also key. Fresh paint, updated light fixtures, and modern hardware can make a big difference in how your home is perceived. Focus on neutral colors and timeless designs that appeal to a wide range of buyers. Additionally, don’t underestimate the importance of flooring. Replacing worn carpets or refinishing hardwood floors can dramatically improve a home’s overall presentation.

Curb appeal sets the tone for buyers. A tidy yard, trimmed hedges, and a welcoming front entry can create a positive first impression. Consider adding a pop of color with seasonal flowers or repainting your front door to make it stand out.

Finally, consult with a local real estate agent to identify additional improvements that can boost your home’s value in the Winston-Salem market. By addressing these must-fix items, you’ll position your property for success and attract serious buyers.

Why Winston-Salem is the Perfect Place to Buy a Home in 2025

Mon, 06 Jan 2025 15:27:05 GMT

Winston-Salem, NC , affectionately known as the “City of Arts and Innovation,” has become one of the most desirable places to live and buy a home in North Carolina. With its rich history, vibrant arts scene, and affordable housing, this city is drawing attention from buyers across the country. As we enter 2025, there’s no better time to invest in a home in Winston-Salem.

One of the city’s greatest strengths is its affordability. Compared to larger metropolitan areas, Winston-Salem offers a lower cost of living without sacrificing quality of life. This makes it an excellent choice for first-time homebuyers, retirees, and anyone seeking to maximize their purchasing power.

The city’s economy is thriving, with growth in sectors like healthcare, education, and technology. Winston-Salem is home to prestigious institutions like Wake Forest University and the Innovation Quarter , which continues to attract businesses and talent. This economic stability translates to a robust real estate market with plenty of opportunities for buyers.

Beyond its economic appeal, Winston-Salem offers a unique blend of urban amenities and natural beauty. Residents can explore the historic charm of Old Salem , enjoy cultural experiences at the Reynolda House Museum of American Art , or hike the trails at nearby Pilot Mountain. The city’s strong sense of community and family-friendly atmosphere make it an ideal place to settle down.

In 2025, Winston-Salem continues to be a buyer’s market with diverse housing options, from historic homes to new developments. If you’re considering a move, connect with a local real estate expert who can help you find the perfect property in this dynamic city.

Home Resolutions for the New Year

Fri, 03 Jan 2025 18:08:15 GMT

As we welcome 2025, it’s the perfect time to focus on making improvements to your most important investment—your home. For homeowners in Winston-Salem, NC , setting home-related resolutions can enhance your property’s value, improve functionality, and increase your overall enjoyment of the space. Whether you’re planning to stay put or considering a move in the future, these resolutions can make a big impact.

Start with decluttering. Over time, it’s easy for unused items to pile up, leading to unnecessary stress and wasted space. Commit to tackling one room at a time, donating items you no longer need, and organizing what remains. A clutter-free home not only feels more welcoming but also creates a better impression if you’re planning to sell.

Next, focus on maintenance. Small issues, such as leaky faucets, peeling paint, or outdated light fixtures, can add up over time. Make a list of these minor repairs and set aside time to address them. Not only will this improve your home’s appearance, but it can also prevent larger, more costly problems down the road.

Energy efficiency is another smart resolution. Replacing old appliances with energy-efficient models, sealing windows and doors, and installing a smart thermostat can save money on utility bills while reducing your environmental footprint.

Finally, if you’re considering buying or selling in 2025, take steps now to prepare. Review your finances, check your credit score, and consult with a local mortgage expert to understand your options. A little planning can go a long way in making your real estate goals a reality this year.

Beautiful Real Estate Photos Can Make or Break a Listing

Fri, 03 Jan 2025 14:00:02 GMT

In the Winston-Salem, NC real estate market, first impressions matter more than ever. With most buyers beginning their search online, the importance of high-quality real estate photos cannot be overstated. A stunning visual presentation can capture a buyer’s attention, spark an emotional connection, and motivate them to schedule a showing. Conversely, poor-quality photos can cause potential buyers to scroll past your listing, no matter how perfect the home might be for them.

Professional photography is an investment that pays off. A skilled photographer knows how to highlight your home’s best features, from using optimal lighting to staging each room for maximum appeal. This might include rearranging furniture, removing clutter, and using angles that make spaces appear larger and more inviting. Drone photography and virtual tours are also becoming increasingly popular, offering buyers a comprehensive view of the property before stepping foot inside.

In Winston-Salem , where the market is steadily growing, it’s essential to stand out. Homeowners should partner with experienced realtors who understand the power of high-quality images and can connect you with professional photographers. By investing in beautiful photos, you’re not just selling a house; you’re selling a lifestyle and the potential for future memories. Don’t underestimate the role great visuals play in selling your property faster and often at a higher price point.

Happy New Year from The Sharpe Mortgage Team!

Wed, 01 Jan 2025 14:00:03 GMT

As we step into 2025, we want to take a moment to reflect on the past year and express our heartfelt gratitude to everyone who made 2024 such a meaningful journey. To our clients, partners, and friends, thank you for trusting us to guide you through one of life’s most important milestones—homeownership. It has been an honor to be part of your journey, and we are truly grateful for the connections we’ve built along the way.

The start of a new year is always filled with hope and opportunity. At The Sharpe Mortgage Team, we remain committed to delivering the same level of care, transparency, and personalized service that you’ve come to expect from us. Whether you’re purchasing your first home, refinancing, or planning for the future, we are here to support you every step of the way.

We look forward to continuing to serve you and your families in 2025. May this year bring you peace, prosperity, and exciting new opportunities. Thank you for allowing us to be a part of your lives and trusting us with such an important part of your future.

Here’s to a wonderful year ahead!

Winter Garden Care: Tips for Winston-Salem Homeowners Property Values and Resolutions

Wed, 18 Dec 2024 20:27:57 GMT

As mid-January unfolds in Winston-Salem, winter has firmly settled in, making it the perfect time for homeowners to focus on caring for their gardens during the colder months.

Tips for Staging Your Home for a Winter Sale in Winston-Salem

Wed, 18 Dec 2024 18:58:21 GMT

Selling your home during the winter season in Winston-Salem can be a delightful experience, filled with unique opportunities. While the colder months may bring specific challenges, they also offer a chance to showcase your home in a warm and inviting light.

Unique Holiday Shopping in Winston-Salem: Local Boutiques and Artisan Markets

Fri, 06 Dec 2024 22:03:44 GMT

During the holiday season, Winston-Salem is transformed into a haven for those seeking perfect and unique gifts. With over 100 local shops and restaurants, downtown Winston-Salem embraces the spirit of the season, offering a curated selection of locally made, locally grown, and locally produced treasures. From vintage finds to contemporary art, and interactive workshops to craft fairs, Winston-Salem's maker community has mastered the art of handmade holiday gift giving.

Christmas Events and Activities for Families in Winston-Salem

Fri, 06 Dec 2024 22:03:00 GMT

Immerse your family in over 265 years of holiday tradition in Winston-Salem. From historic homes to enchanting performances, the city offers a range of festive events. Here are the top five can't-miss Christmas happenings in the Triad.

Celebrating New Year's Eve in Winston-Salem

Fri, 06 Dec 2024 19:00:16 GMT

Are you ready to bid farewell to the current year and welcome 2025 in style? Winston-Salem has a lineup of fantastic events to ensure you have a memorable New Year's Eve. From retro throwback parties to lively dance celebrations, here's your guide to ringing in the new year in the Camel City.

Merry Christmas From The Sharpe Mortgage Team

Fri, 06 Dec 2024 18:29:53 GMT

As the holiday season fills the air with joy, warmth, and celebration, we at the Sharpe Mortgage Team want to take a moment to wish you and your loved ones a very Merry Christmas and a Happy New Year!

This season is a time to reflect on the blessings of the year, and we are truly grateful for the trust and support of our clients, referral partners, and community in the Triad. Helping families achieve their dreams of homeownership is a privilege we hold dear, and it’s an honor to be part of your journey.

This year has been full of opportunities to connect, grow, and serve. From helping first-time homebuyers find the perfect loan to supporting families in securing the space they’ve always dreamed of, we’ve been inspired by your stories and your goals. Your trust fuels our commitment to over-communicate, stay transparent, and provide true availability every step of the way.

As we gather with family and friends this Christmas, we’re reminded of the importance of home—not just as a place, but as a feeling of comfort, safety, and love. It’s our mission to help you achieve that feeling, whether it’s through securing financing, raising credit scores, or simply offering guidance through the mortgage process.

As we prepare for the new year, we’re excited to continue serving our clients in Winston-Salem and the greater Piedmont Triad. Whether you’re planning to buy a home, refinance, or simply explore your options, our team is here for you, ready to answer your questions and support your goals.

From our family to yours, may your holiday season be filled with laughter, love, and cherished memories. Thank you for making 2024 an incredible year. We look forward to continuing to serve you in 2025!

Wrap The Perfect Gift This Holiday Season

Fri, 06 Dec 2024 18:26:10 GMT

Wrapping gifts is an art form, and in Winston-Salem and the Piedmont Triad, we have a unique opportunity to infuse our gifts with local charm. Here’s a step-by-step guide to creating beautifully wrapped presents that impress.

1. Choose Your Wrapping Theme

Reflect the spirit of the region by incorporating themes such as Moravian stars, the Old Salem aesthetic, or rustic elements like burlap and twine.

2. Gather High-Quality Materials

Stock up on thick wrapping paper, double-sided tape, scissors, and embellishments. Check out local shops in the Triad for specialty wrapping supplies or consider eco-friendly alternatives like fabric wrapping (furoshiki).

3. Perfect Your Fold

Measure your paper carefully to avoid excess or waste. Fold edges for a clean look and use double-sided tape for seamless finishes.

4. Add Unique Touches

Top gifts with pine sprigs, cinnamon sticks, or handcrafted ornaments from Winston-Salem markets. Handwritten tags using calligraphy add a personal touch.

5. Use Coordinating Colors

Pick a palette that complements your holiday decor. Traditional red and green are classics, but shades of gold, silver, or navy can give an elegant look—especially if you’re gifting to someone who appreciates modern design.

6. Create a Gift-Wrapping Station

Set up a dedicated space to keep supplies organized. Include a cutting mat, rulers, and ribbon spools for efficiency.

7. Seal the Deal with Local Flair

Finish with a bow or twine, and attach a tag stamped with "Made in Winston-Salem." This small gesture reminds recipients of the charm and care of the region.

Wrapping gifts with these tips ensures that your presents are as memorable as what’s inside. Happy wrapping!

Holiday Entertaining Tips for Homeowners in Winston-Salem and the Piedmont Triad

Fri, 06 Dec 2024 18:19:51 GMT

The holiday season is upon us, and for homeowners in Winston-Salem and the Piedmont Triad, it’s the perfect time to showcase your home while hosting unforgettable gatherings. From cozy dinners to festive parties, here are some tips to ensure your home is ready for holiday entertaining.

1. Deck the Halls with Local Flair

Support local businesses by incorporating Piedmont Triad charm into your decor. Try handmade ornaments from local artisans or fresh greenery from farmers' markets. Don’t forget a centerpiece that features seasonal blooms or pinecones for a natural touch.

2. Create a Warm Welcome

First impressions count! Spruce up your entryway with a festive wreath or twinkling lights. A custom doormat with a holiday message can set a cheerful tone as guests arrive.

3. Set Up Cozy Gathering Areas

In the colder months, people naturally gravitate towards warm, comfortable spaces. Arrange seating near a fireplace or add plush throws and pillows. If your home has a patio, consider a firepit or outdoor heaters to extend the space.

4. Streamline Your Kitchen for Success

Holiday gatherings often revolve around food. Prepare in advance by organizing your kitchen and having serving platters, utensils, and beverages easily accessible.

5. Entertainment for All Ages

Include activities for kids and adults alike. Create a craft station for kids and provide board games or a holiday movie corner for teens. Adults can enjoy a mixology station featuring locally sourced wines or craft beers.

6. Plan for Parking and Coats

In neighborhoods like Ardmore or Buena Vista, parking can be tight. Let guests know where to park ahead of time and designate a space for coats, hats, and scarves to avoid clutter.

With these tips, your home in Winston-Salem or the Piedmont Triad can be the perfect backdrop for holiday memories.

The Magic of Christmas Parades in the Triad

Wed, 27 Nov 2024 22:19:10 GMT

Get ready to soak in the holiday spirit as we dive into the festive world of Christmas parades in the North Carolina Triad.

Festive Marketing Tactics for Holiday Home Sales

Wed, 27 Nov 2024 16:38:51 GMT

Selling a home during the holiday season might seem challenging, but it can actually present unique opportunities for motivated sellers. While the homebuying market typically slows down from November through January, this period offers some distinct advantages. Fewer homes on the market mean reduced competition, and buyers actively searching during the holidays tend to be more serious about making a purchase.

To maximize your home's selling potential during this festive time, consider these strategic tips:

Tasteful Holiday Decorating : Festive spirit is welcome, but moderation is key. Opt for subtle seasonal touches like understated wreaths and minimal decorations that enhance rather than overwhelm your home's natural appeal. The goal is to help potential buyers envision themselves in the space, not get lost in holiday clutter.
Assemble a Dedicated Professional Team : The holiday season demands professionals who remain fully committed despite the seasonal distractions. Select real estate and mortgage professionals who demonstrate reliability, responsiveness, and unwavering focus on your home selling journey.
Invest in Exceptional Listing Photography : With colder weather keeping buyers indoors, online listings become increasingly important. Ensure your home's photographs are high-quality, well-lit, and showcase your property's best features. Clear, professional images can make the crucial difference in capturing potential buyers' interest.
Create a Warm and Inviting Atmosphere : Transform your home into a cozy retreat from winter's chill. Maintain a comfortable temperature during showings and consider offering seasonal refreshments. A subtle, inviting aroma can also enhance the experience—try a homemade holiday potpourri simmering gently in a small slow cooker to create an welcoming ambiance.
Maintain Impeccable Exterior Presentation : Curb appeal remains critical, even in winter. Keep walkways clear of leaves, snow, and ice. Clean gutters of debris and consider pressure washing your home's exterior. With trees bare, your property's architectural details are more visible, so ensure everything looks pristine and well-maintained.

Ready to navigate the holiday home selling season with confidence? I'm committed to guiding you through every step of the process, from listing to closing. Contact me today, and let's make your home selling experience not just successful, but exceptional.

Volunteering in Winston-Salem: Giving Back During Thanksgiving

Wed, 20 Nov 2024 16:05:10 GMT

Thanksgiving is not just a time for indulging in delicious meals and expressing gratitude; it's also an opportunity to give back to the Triad’s community and spread the spirit of generosity. In the heart of North Carolina, Winston-Salem offers numerous volunteering opportunities during the Thanksgiving season, allowing residents to make a positive impact and foster a sense of togetherness.

Your Thanksgiving Weekend Guide: Events and Activities Around Winston-Salem

Mon, 11 Nov 2024 20:41:43 GMT

Thanksgiving weekend in Winston-Salem is full of events and activities that help you make the most of the long holiday. Whether you’re looking to shop local, explore the arts, or spend time in nature, there’s something for everyone to enjoy. Here’s a guide to some top things to do around Winston-Salem during Thanksgiving weekend.

Support Local Businesses on Small Business Saturday

After the Thanksgiving feast and Black Friday sales, head out on Small Business Saturday to support local shops in Winston-Salem. The downtown area and nearby shopping districts, like the West End and Buena Vista neighborhoods, are home to unique boutiques, artisanal shops, and specialty stores where you can find one-of-a-kind gifts. Shopping local not only helps small businesses thrive but also brings a personal touch to your holiday shopping.

Holiday Arts and Crafts Markets

Thanksgiving weekend marks the beginning of the holiday market season, and Winston-Salem has several arts and crafts markets showcasing local artisans. Visit the Piedmont Craftsmen’s Fair , held annually over Thanksgiving weekend, to see beautiful, handmade items from talented artists. You’ll find pottery, jewelry, textiles, and more, each with a distinct Southern flair. It’s a perfect opportunity to pick up unique gifts while supporting local creatives.

Winter Wonderland at Tanglewood Park

Just outside Winston-Salem, Tanglewood Park hosts the annual Festival of Lights, a drive-through light display that’s become a beloved holiday tradition. The festival kicks off in mid-November and continues through early January, making it a must-see during Thanksgiving weekend. Pile the family into the car, bring some hot cocoa, and enjoy this magical display of lights and holiday scenes. It’s a fantastic way to end Thanksgiving weekend with a bit of festive cheer.

Enjoy a Local Winery or Brewery Tour

Winston-Salem and the surrounding Yadkin Valley are known for their wineries and breweries, many of which are open for tours and tastings during Thanksgiving weekend. Enjoy a relaxing afternoon sampling local wines or craft beers at spots like Childress Vineyards , Foothills Brewing , or Medaloni Cellars . Many locations offer beautiful outdoor spaces where you can take in the fall scenery while savoring local flavors.

Thanksgiving weekend in Winston-Salem offers so many ways to connect with the community, explore local culture, and make lasting memories. Whether you’re giving back, supporting small businesses, or enjoying the arts, there’s something for everyone to enjoy as the holiday season kicks off. Happy Thanksgiving!

Celebrate Thanksgiving Traditions and Activities in Winston-Salem

Mon, 11 Nov 2024 20:41:37 GMT

Thanksgiving is more than just a day—it’s a season filled with gatherings, local traditions, and opportunities to make memories with loved ones. In Winston-Salem, there are plenty of ways to celebrate and get into the Thanksgiving spirit. From historic sites and local events to scenic nature spots, here are some wonderful Thanksgiving traditions and activities that bring the Winston-Salem community together each November.

Visit Old Salem for a Historic Thanksgiving Experience

One of Winston-Salem’s most treasured sites, Old Salem Museums & Gardens , offers a beautiful glimpse into early American life. Walking through this historic district is like stepping back in time, with period-dressed interpreters, traditional crafts, and seasonal decorations. Around Thanksgiving, Old Salem hosts special demonstrations and holiday activities that give visitors an opportunity to experience the customs and lifestyles of the past. It’s a perfect outing for families and a great way to get in the holiday spirit with a touch of history.

Enjoy a Fall Hike at Salem Lake or Reynolda Gardens

Thanksgiving weekend is a perfect time to take advantage of the beautiful fall foliage in Winston-Salem. Salem Lake offers a stunning 7-mile trail around the water, where you can enjoy the crisp fall air and scenic views. For a more leisurely experience, head to Reynolda Gardens, where the curated paths and beautiful landscape provide a relaxing escape. Both of these spots are ideal for a pre-dinner walk or a post-feast stroll, giving everyone a chance to soak in the beauty of the season.

Winston-Salem’s Holiday Parades and Festivals

For many families in Winston-Salem, Thanksgiving marks the start of the holiday season, and the city offers festive events to help kick things off. Be on the lookout for local parades and tree-lighting ceremonies that happen in late November or early December. These events bring the community together in celebration and are a fun way for families to get into the holiday spirit right after Thanksgiving.

Give Back with Local Volunteer Opportunities

Thanksgiving is also a time for giving back, and Winston-Salem has numerous organizations that welcome volunteers during the holiday season. From food banks and shelters to meal-delivery services, there are plenty of ways to make a positive impact in the community. Consider reaching out to places like Second Harvest Food Bank, Samaritan Ministries, or Crisis Control Ministry. Volunteering is a meaningful way to connect with others and share gratitude through giving.

Happy Thanksgiving From The Sharpe Mortgage Team

Mon, 11 Nov 2024 20:41:36 GMT

As we gather around the table with friends and family this Thanksgiving, The Sharpe Mortgage Team wants to take a moment to express our deepest gratitude to you—our dedicated realtors, trusted business partners, and wonderful clients who make our work so meaningful. This holiday season, we reflect on the moments we’ve shared, the dreams we’ve helped bring to life, and the incredible support that has fueled our journey together.

To our realtor partners, thank you for your commitment, collaboration, and trust. Working together, we’ve built a network that goes beyond transactions. Each closed deal represents not just a successful business endeavor but a shared vision of providing clients with an unparalleled experience. Your willingness to communicate openly and support our clients throughout the entire home-buying process has been invaluable. We are so grateful for your partnership and look forward to strengthening these connections in the year to come.

To our financial advisors, appraisers, title companies, and everyone we rely on to make each transaction seamless—thank you. Each of you has been an essential part of our work, helping ensure that our clients’ experiences are as smooth as possible. Your professionalism, responsiveness, and dedication allow us to serve our clients with confidence and consistency, and we couldn’t be more grateful for your support. This Thanksgiving, we celebrate the collective teamwork that keeps our industry moving forward.

To each of you who has entrusted The Sharpe Mortgage Team with one of life’s biggest milestones, thank you. We’re honored to have been a part of your homeownership journey, and it is a privilege to help make your dreams a reality. Your trust and loyalty mean everything to us. Some of you have been part of our story for many years, and some are new, but all of you make up The Sharpe Mortgage Team family. It’s a joy to serve you, and we are thankful for the continued opportunity to support you as you reach new milestones.

As we reflect on 2024, we’re overwhelmed by gratitude for the relationships, experiences, and successes we’ve shared with all of you. We are more inspired than ever to continue our mission of providing exceptional service, transparent communication, and true availability for every client, realtor, and partner we work with.

This Thanksgiving, we hope your homes are filled with warmth, laughter, and good company. Thank you for being a vital part of our story, and may the season bring joy and peace to you and your loved ones. We look forward to a wonderful year ahead with continued collaboration, growth, and shared success.

Stunning Thanksgiving Table Decor Ideas

Mon, 11 Nov 2024 20:41:34 GMT

The Thanksgiving table is the heart of your holiday gathering. Whether you’re hosting family or friends in Winston-Salem, NC , creating an inviting table can set the tone for a memorable meal. Here are some inspiring Thanksgiving table decor ideas that add a cozy, festive feel to your home while embracing the charm of Winston-Salem.

1. Embrace the Colors of North Carolina Fall

Winston-Salem’s autumn landscape offers a beautiful color palette for your Thanksgiving table. Use shades of burnt orange, deep reds, and golden yellows to echo the vibrant fall foliage. Incorporate these hues into your table settings with items like napkins, candles, or floral centerpieces. Freshly gathered leaves and mini pumpkins make a lovely, rustic touch that highlights the season.

2. Mix Vintage with Modern for Southern Charm

For a look that’s uniquely Winston-Salem, blend vintage finds with modern pieces. Visit local shops like Southern Home & Kitchen in Winston-Salem to find beautiful, one-of-a-kind tableware or glassware. Pairing vintage items with simple, contemporary dishes gives your table a look that’s both sophisticated and inviting.

3. Create a Statement Centerpiece with Local Finds

Your centerpiece can be the star of the table, and using local elements makes it even more special. Consider incorporating dried wheat, acorns, or branches from local parks for a natural and unique centerpiece. Fresh flowers from a Winston-Salem florist like Amy Lynne Originals can add a soft and welcoming touch, while a large, candle-lit lantern brings a warm ambiance.

4. Use Layered Textures for a Cozy Look

Textured tablecloths, woven placemats, and linen napkins bring a cozy, layered effect to your Thanksgiving table. For a Southern-inspired touch, try using burlap or natural woven placemats paired with solid-colored linen napkins. This creates a warm, inviting vibe that feels perfect for fall in Winston-Salem.

5. Add Handwritten Place Cards for a Personal Touch

Adding a personal element to your table decor is a lovely way to make guests feel special. Try hand-lettering place cards or use small chalkboard tags for each setting. You can also write a short note of gratitude for each guest, a small touch that can make a big impact on your gathering.

6. Light Up the Table with Candles and Lanterns

Candles add warmth and elegance to your Thanksgiving table. Use a mix of taper candles and small votives for soft, ambient lighting. Or, for a rustic touch, use lanterns as part of your table centerpiece. Candlelight creates an intimate setting that’s perfect for a cozy Winston-Salem Thanksgiving dinner.

7. Add Greenery for a Natural Touch

Add sprigs of rosemary, eucalyptus, or even magnolia leaves to your table decor for an organic, fragrant accent. Not only does greenery add a pop of fresh color, but it also brings in a little bit of Winston-Salem’s natural beauty, reminding guests of the surrounding North Carolina landscape.

With these Thanksgiving table decor ideas, you can create a welcoming, stylish, and memorable space for your loved ones to gather. Winston-Salem is filled with inspiration and resources to make this Thanksgiving both festive and unique. Enjoy the process, and happy Thanksgiving!

How to Host a Stress-Free Thanksgiving in Winston-Salem

Mon, 11 Nov 2024 20:41:29 GMT

Thanksgiving is a cherished time to gather, give thanks, and enjoy a hearty meal with family and friends. But for hosts in Winston-Salem, NC, it can be daunting to manage the cooking, cleaning, and entertaining all at once. If you’re looking to make this Thanksgiving as relaxing and joyful as possible, here are some practical, stress-free hosting tips tailored for those in the Winston-Salem area.

1. Plan Your Menu Early and Source Local Ingredients

Planning your Thanksgiving menu ahead of time can relieve a lot of stress. Start by listing your main dishes, side dishes, and desserts, and be sure to note any special dietary needs of your guests. For those in Winston-Salem, shopping local for ingredients not only supports local farmers but also gives your menu a fresh, regional twist. Head to the Cobblestone Farmers Market Market for fresh produce and meats.

2. Delegate Tasks to Family and Friends

Don’t be afraid to ask for help. Whether it’s setting the table, bringing a side dish, or assisting with cleanup, most guests are happy to contribute. Give each person a specific task so they know exactly how they can help lighten the load. This helps you focus on hosting without feeling overwhelmed.

3. Prepare Dishes in Advance

Preparing some dishes in advance can free up time on Thanksgiving Day. Desserts like pies and cakes, and sides like mashed potatoes, can often be made a day or two ahead. Additionally, preparing appetizers like cheese boards or veggie platters the night before means you can greet guests calmly and enjoy the day with them.

4. Simplify Your Decor for a Cozy, Local Vibe

For a welcoming ambiance, decorate with warm autumn hues and accents like candles, pumpkins, and seasonal flowers. Consider incorporating Winston-Salem’s beautiful fall foliage by gathering leaves or branches to add a natural touch to your decor. Winston-Salem has many wonderful spots like Old Salem and Reynolda Gardens where you can find inspiration and, perhaps, materials.

5. Enjoy the Outdoors with Winston-Salem's Mild Fall Weather

North Carolina’s mild November weather often makes it perfect for a pre-dinner or post-meal stroll. Consider organizing a relaxing walk at Salem Lake or a nearby Winston-Salem park. It’s a great way for everyone to relax, digest, and enjoy the natural beauty of the Triad area.

6. Keep Cleanup Simple with Disposable or Compostable Dinnerware

If the thought of a sink piled high with dishes is already stressing you out, consider using elegant disposable or compostable dinnerware. Many local stores in Winston-Salem carry eco-friendly options that look great and make cleanup a breeze, leaving you more time to unwind.

7. Remember the Meaning of the Holiday

Above all, Thanksgiving is about connection and gratitude. Take a moment to reflect on the holiday’s meaning, and encourage guests to do the same. Whether it’s a round of “thanks” before the meal or a gratitude game, these small gestures can make Thanksgiving more memorable and meaningful.

With a little planning and the help of Winston-Salem’s local offerings, you can host a memorable, stress-free Thanksgiving this year. So get ready to relax, enjoy, and create beautiful memories with loved ones!

The Power of Gratitude in Real Estate: How To Build Trust and Loyalty With Clients

Fri, 08 Nov 2024 14:00:02 GMT

In real estate, relationships are the foundation of every successful transaction. Clients aren't just numbers or names on a list—they’re individuals trusting you with one of the biggest financial decisions of their lives. Expressing genuine gratitude can transform these relationships, setting the stage for long-term loyalty, meaningful connections, and word-of-mouth referrals. Here’s why gratitude is a crucial yet often overlooked art in real estate and how to make it an impactful part of your business.

Why Gratitude Matters in Real Estate

Strengthens Client Relationships Real estate transactions can be stressful, with clients often facing uncertainty about timelines, budgets, and life changes. A simple thank-you note, a small gift, or even a heartfelt message can be the positive boost clients need. Showing gratitude reminds them that their trust in you is appreciated and that you’re committed to their satisfaction beyond the transaction.
Builds a Reputation of Care and Integrity In a world where buying and selling homes can sometimes feel impersonal, gratitude can set you apart as a real estate professional who genuinely cares. This reputation extends beyond the clients you thank; it can influence how people perceive your entire brand. Grateful agents are viewed as more personable, trustworthy, and committed, which can lead to more referrals and repeat clients.
Fosters Loyalty and Encourages Referrals When clients feel appreciated, they’re more likely to return for future transactions and recommend you to others. Showing gratitude is an effective way to remain top-of-mind. Every time clients recall a memorable thank-you gesture—whether it was a housewarming gift or a personal note—you increase the chances they’ll talk about you positively to friends, family, and colleagues.
Boosts Agent Morale and Team Culture Expressing gratitude doesn’t just impact clients; it can uplift the entire team. A culture of gratitude within your real estate team can improve morale, increase productivity, and foster a more enjoyable work environment. When team members feel valued, they’re more motivated to go the extra mile for clients, ultimately enhancing the client experience.

Ways to Show Gratitude to Your Clients

Personalized Thank-You Notes A handwritten note is a small but powerful gesture. A personalized note goes beyond generic messages, acknowledging specific moments in the client’s journey. Whether it’s a quick “Thank you for trusting us with your new home!” or a longer message highlighting unique aspects of their purchase or sale, a note can make your gratitude feel sincere and heartfelt.
Housewarming Gifts Celebrate your clients’ milestones with a thoughtful housewarming gift. This could be a small gift basket, a custom doormat, or even a local store gift card. Make it personal by selecting items that suit their interests or new neighborhood. Clients will remember the effort and thoughtfulness, creating a lasting impression.
Post-Transaction Check-ins Stay connected even after the transaction. A quick follow-up call or email a few months down the line shows clients that you value the relationship, not just the sale. Check-ins provide a great opportunity to ask if they need recommendations for local services, such as contractors or decorators, and to offer assistance with any homeownership questions.
Anniversary Reminders Remembering the anniversary of a client’s home purchase is a unique way to show appreciation. A simple card or email on the anniversary of their closing day can remind them of the excitement they felt and of the part you played in it. This small touch also keeps you in their minds if they’re considering future real estate moves.
Client Appreciation Events Hosting a client appreciation event is a fantastic way to show gratitude to multiple clients at once. This could be a holiday gathering, a summer barbecue, or even a virtual happy hour. These events let you reconnect with past clients, meet potential new ones through their networks, and strengthen your relationships.
Sharing Success Stories on Social Media Celebrating a client’s new home on social media is a fun and public way to express gratitude. With permission, post a picture of their home or a congratulatory message. This not only thanks your clients but also gives you the opportunity to showcase your work and attract new clients who resonate with your approach.

The Lasting Impact of Gratitude in Real Estate

Gratitude isn’t just a nice gesture; it’s a long-term strategy that yields tangible results. In real estate, where competition is fierce and trust is paramount, a thank-you goes beyond words—it becomes a testament to your commitment, care, and professionalism. Whether it’s through a handwritten note, a thoughtful gift, or simply keeping in touch, showing gratitude helps you stand out, reinforces trust, and builds a network of loyal, satisfied clients.

So, take a moment to thank your clients. They are the heart of your business, and every expression of gratitude is an investment in a lasting relationship.

Farm-to-Table Thanksgiving: Celebrating Local Food in Winston-Salem

Wed, 06 Nov 2024 18:44:29 GMT

Thanksgiving is a time to gather with loved ones, express gratitude, and savor a feast that celebrates the bounty of the season. While the traditional turkey and stuffing often take center stage, more and more people are embracing the farm-to-table movement, choosing to make their Thanksgiving meals a reflection of the local food culture in their area.

Happy Halloween from The Sharpe Mortgage Team!

Thu, 31 Oct 2024 13:00:01 GMT

The Sharpe Mortgage Team in Winston-Salem wants to wish you and your family a fun and safe Halloween! As you enjoy trick-or-treating, carving pumpkins, or attending local fall festivities, we hope your day is filled with laughter, joy, and maybe even a little spooky fun.

While you're out celebrating, remember to stay safe—whether it’s making sure your little ones have reflective costumes for trick-or-treating or enjoying Halloween events in our wonderful Winston-Salem community. We love this time of year and hope it brings plenty of treats and happy memories for you and your loved ones.

From all of us at the Sharpe Mortgage Team, have a fantastic Halloween!

Participating in Teal Pumpkin Project: A Guide for Halloween in Winston-Salem, NC

Mon, 28 Oct 2024 13:00:52 GMT

With Halloween approaching, neighborhoods across Winston-Salem are gearing up for a night filled with trick-or-treating, spooky decorations, and sweet treats. However, for families with children who have food allergies or other dietary restrictions, Halloween can be a challenging time. That’s where the Teal Pumpkin Project comes in! This initiative promotes inclusivity and safety for all kids, ensuring everyone can enjoy the festivities. Here’s how you can participate in the Teal Pumpkin Project this Halloween in Winston-Salem.

What is the Teal Pumpkin Project?

The Teal Pumpkin Project was started by FARE (Food Allergy Research & Education) to create a safer Halloween experience for children with food allergies. By placing a teal pumpkin on your porch, you signal to trick-or-treaters that you offer non-food treats in addition to, or instead of, traditional candy. This allows children with food allergies to enjoy the holiday without the fear of an allergic reaction.

How to Get Involved

Get a Teal Pumpkin: You can purchase a teal pumpkin from local stores or paint your own. It's a simple yet effective way to raise awareness about food allergies.
Offer Non-Food Treats: Stock up on fun, non-food goodies that all children can enjoy. Some great options include glow sticks, stickers or temporary tattoos, bubbles, puzzles or small toys, halloween-themed crafts.
Spread the Word: Share your participation in the Teal Pumpkin Project on social media to encourage others in the community to join. Use hashtags like #TealPumpkinProject and #WinstonSalemHalloween to connect with other participants.
Create a Safe Environment: Make sure to clearly indicate which treats are safe for all kids by placing the teal pumpkin visibly on your doorstep. Consider adding a sign to inform families about your non-food options.

Why It Matters

Participating in the Teal Pumpkin Project not only promotes inclusivity but also fosters community spirit. It’s a wonderful way to ensure that every child in Winston-Salem can participate in Halloween fun without feeling left out. By offering alternatives to candy, you’re creating a welcoming environment and showing support for families with food allergies.

This Halloween let’s come together as a community to make the holiday enjoyable and safe for all children. By participating in the Teal Pumpkin Project, you can help create a welcoming atmosphere that celebrates inclusivity and joy. Grab your teal pumpkin, stock up on non-food treats, and get ready to celebrate a Halloween that everyone can enjoy in Winston-Salem!

Addressing Spooky Home Features with Potential Buyers

Fri, 25 Oct 2024 13:00:03 GMT

Every home has its unique characteristics, but some features can come across as more "haunted house" than welcoming home. Whether it’s a strange layout, a quirky history, or a dim atmosphere, these elements can cause hesitation among buyers. For real estate agents in Winston-Salem and the Piedmont Triad, addressing these "spooky" aspects head-on is key to helping potential buyers see the property's true potential. By focusing on a home’s charm or historical value and reframing its quirks, you can turn an eerie vibe into a selling point. Here are a few tips to help you guide buyers to look beyond the spooky and find the sweet side of any home.

Reframe Odd Layouts as Opportunities A non-traditional floor plan or hidden spaces might make buyers feel uneasy at first. Instead of focusing on the oddness, show buyers the possibilities. That tucked-away room could be a cozy office, a secluded reading nook, or a creative space for kids. In the Winston-Salem area, where many older homes have unique layouts, help buyers imagine the versatility and charm these homes can offer.

Highlight the Charm of Historic Homes In a region like the Piedmont Triad, which is rich in historic homes, creaky floors and old fixtures might seem more "haunted" than charming. However, you can help buyers appreciate the history and character of these properties. Highlight features like original woodwork, architectural details, and stories that make the home special. At the same time, address concerns by reassuring buyers with information on modern updates or inspections that ensure the home is both safe and sound.

Handle "Spooky" Histories with Care If a home comes with a history that might make buyers uneasy—whether due to a famous previous owner or unsettling events—transparency is essential. Present the facts with professionalism and focus on the potential for new memories and fresh beginnings. In Winston-Salem and nearby areas, where some homes may carry a bit of local lore, a home’s history can be reframed as part of its unique story, adding character rather than scaring off buyers.

Brighten Gloomy Spaces If a home feels dark or too gloomy, enhancing the lighting can transform the atmosphere. Use brighter light bulbs, position mirrors to reflect natural light, and consider fresh coats of neutral-colored paint to make the space feel more open and inviting. In older neighborhoods around Winston-Salem, a little brightness goes a long way in dispelling any eerie vibes and making a home feel welcoming.

Embrace Seasonal Fun Sometimes, adding a touch of playful fun can ease buyer concerns. Hosting a Halloween-themed open house or using creative marketing with pumpkins or ghost motifs can help lighten the mood. In the Piedmont Triad, where fall festivals and local traditions are popular, tying your listings to the festive spirit can make the process enjoyable while staying professional.

Turning spooky or unconventional home features into selling points requires creativity and the right perspective. By addressing quirky layouts, historic details, and any stigmas with transparency and professionalism, real estate agents in Winston-Salem and the Piedmont Triad can help buyers see the true potential of every home. The goal is to make every property feel like "home sweet home," no matter how quirky or eerie it may seem at first glance.

Winston-Salem Networking Groups to Help You Build Connections

Wed, 23 Oct 2024 13:00:02 GMT

Looking to expand your professional network while making a meaningful impact in the Winston-Salem community? Whether you’re new to the area or simply seeking opportunities to meet other young professionals, Winston-Salem offers a range of networking groups designed to help you connect, grow, and give back.

From leadership development to community service, these groups provide the perfect mix of social engagement and professional growth. Here are some of the best networking groups in Winston-Salem:

1. Winston Under 40 - This group focuses on connecting young professionals in Winston-Salem through networking socials, career workshops, and charity fitness events like "Workout for a Cause." They also host the "Intern Experience" series, helping college students connect with local professionals. Membership is free, though it's encouraged for your employer to be a member of Greater Winston-Salem Inc.

2. Junior League of Winston-Salem - A women’s group dedicated to improving the community through volunteering and leadership training. Their programs include providing food for students, educating kids on nutrition, distributing books, and hosting family health workshops. New members complete a training program from September to May, with a $75 fee and $150 dues.

3. WS Urban League: Young Professionals - Supporting community programs like "Read Urban," a summer reading program for 3rd graders, and the "Summer Youth Employment Program" for teens, this group fosters leadership through volunteerism and philanthropy. Membership is discounted at $25 for 2024 (normally $40).

4. Winston-Salem Ambassadors - Ambassadors help newcomers feel welcome by leading tours, hosting orientations, and grabbing coffee with new residents. Members attend quarterly meetings and contribute $25 per quarter.

5. Emerging Leaders United - A part of United Way, this group offers leadership development, networking, and volunteer opportunities. Members commit to donating $250 and volunteering 24 hours annually.

6. Young Samaritans - Young Samaritans support Samaritan Ministries by volunteering and fundraising. They meet for socials, develop leadership skills, and participate in the "Night of Service," helping serve meals at the ministry.

Joining one of these networking groups in Winston-Salem is a fantastic way to connect with like-minded young professionals while contributing to the community. Whether you’re looking to enhance your skills, make lasting friendships, or give back through service, there’s a group that fits your interests. Don’t miss the opportunity to expand your horizons and become an active participant in the vibrant fabric of Winston-Salem. Get involved today and watch your network—and your impact—grow!

Seasonal Themes to Help Sell Homes

Fri, 18 Oct 2024 13:00:04 GMT

In the coming months, real estate agents in Winston-Salem and the Piedmont Triad can take full advantage of the cozy and festive fall and winter seasons to engage both buyers and sellers. The autumn months bring a natural warmth with rich colors, cooler weather, and a festive spirit that evokes comfort and a sense of home. By integrating seasonal themes into your marketing and staging strategies, you can foster stronger emotional connections with potential clients. These strategies not only showcase homes in their best light but also help buyers envision settling in before the year ends. From fall harvest celebrations to holiday-themed décor, here are some ways agents in the Piedmont Triad can stand out in a competitive real estate market:

Celebrate Fall Festivities in Winston-Salem - Autumn in Winston-Salem and the Piedmont Triad is full of local charm, making it the ideal time to host open houses or community events centered around the beauty of the season. Instead of limiting events to Halloween, consider broader fall festivities like pumpkin-carving contests or apple cider tastings. Use natural fall décor—pumpkins, gourds, and vibrant mums—to create a welcoming, homey feel. Hosting fall-themed open houses or community gatherings can help prospective buyers feel comfortable and engaged while attracting new clients in a fun, seasonal way.

Show Gratitude Around Thanksgiving - As November approaches, Thanksgiving presents the perfect opportunity to express appreciation to your client base in Winston-Salem and beyond. Sending personalized thank-you notes to past clients helps strengthen relationships and shows you value their business and referrals. For sellers, emphasize entertainment spaces like large dining rooms, open kitchens, or outdoor areas perfect for hosting family and friends during the holidays. Highlighting these features can appeal to buyers who are envisioning gatherings in their future homes.

Incorporate Elegant Holiday Décor - December offers the chance to use tasteful holiday décor in your listings, appealing to buyers looking for a new home during this festive time. Keep holiday decorations simple and neutral to appeal to a wide range of buyers. Understated wreaths, garlands, and soft twinkling lights can enhance the home’s architecture without overwhelming it. By subtly decorating for the season, you create an emotional connection, helping buyers imagine their own celebrations in the space.

Leverage New Year’s Resolutions - As the year winds down, many people are thinking about fresh starts. January is an excellent time to engage with clients through a “New Year, New Home” campaign. Buyers eager for a change and sellers looking to start a new chapter will appreciate tips on preparing their homes for the market. Sharing success stories of those who bought or sold homes in the Piedmont Triad during winter months can inspire confidence in new clients, positioning you as the go-to agent for their real estate needs in the new year.

By embracing the seasonal charm of fall and winter, real estate agents in Winston-Salem and the Piedmont Triad can build stronger relationships with clients and create memorable experiences. Whether you’re tapping into fall festivities, expressing gratitude during Thanksgiving, incorporating tasteful holiday décor, or focusing on fresh starts for the new year, aligning your marketing strategies with the season will make your approach more relatable and effective. With a thoughtful blend of seasonal trends and proven real estate techniques, you’ll keep your pipeline full of buyers and sellers all year long.

Spooky Night Watchman Tours at Old Salem

Wed, 16 Oct 2024 12:45:00 GMT

This Halloween season, step back in time and uncover the chilling history of Old Salem as you embark on the Spooky Night Watchman Tour. By the glow of lanterns, join the night watchmen as they guide you through foggy streets and into eerie buildings where Salem’s dark mysteries unfolded. This is not your average ghost tour—prepare to dive into true stories of spirits, fires, and unsettling occurrences that have haunted Salem for centuries.

Lantern-Lit Nights Full of Mystery

In the still of the night, the Old Salem night watchmen once patrolled the streets, keeping the peace and guarding against the many dangers of the 18th century. But what they faced was far from ordinary. From spirits that seemed all too real to unexplained fires and sinister happenings, these watchmen encountered the unexplainable.

Now, you can walk in their footsteps. Armed with your own lantern, you’ll explore the original buildings where Salem’s most disturbing tragedies occurred, hearing firsthand accounts from historical records. This isn’t just a tour of haunted places, it’s an immersion into the unknown, with stories that once kept the people of Salem awake at night.

Salem’s Ghostly Legends Come to Life

One of the tour’s highlights is learning about Salem’s most famous ghost. This spirit has left its mark on the town’s history and continues to spark curiosity among residents and visitors alike. But the surprises don’t stop there. The Spooky Night Watchman Tour also delves into lesser-known, spine-tingling tales that have been passed down through generations, some of which have never been told publicly until now.

From tales of ruffians causing chaos to stories of corpses that couldn’t rest in peace, you’ll experience Salem’s history in a way that brings the past’s suspense and horror vividly to life.

What You Need to Know Before You Go:

Tour Duration: Approximately 60 minutes, though times may vary slightly based on the group’s pace.
Ticket Price: $50 per person.
Group Size: 12 guests per tour for a personalized, immersive experience.
Age Requirement: Designed for ages 10+, with all guests under 18 required to be accompanied by a ticketed adult.
Arrival Time: Arrive at least 15 minutes before your scheduled tour to ensure a smooth start.

Are you ready to face the spirits of Salem? Tickets are limited, so don’t miss your chance to experience one of the most exciting and haunting tours of the year. Learn more here !

Selling Homes During the Off-Season

Fri, 11 Oct 2024 12:45:00 GMT

Selling homes during the fall and winter in Winston-Salem and the Piedmont Triad can feel challenging, as the real estate market tends to be quieter compared to the bustling spring and summer months. With fewer active buyers, sellers might worry that their homes will stay on the market longer. However, these seasons also bring unique opportunities: less competition from other listings and more motivated buyers who are serious about finding their next home. By adopting seasonal strategies—creating inviting atmospheres, highlighting cozy features, and using targeted marketing—real estate agents can still achieve success. Here’s how:

Set a Competitive Price Early On Pricing is crucial year-round but becomes even more important in the fall and winter when buyers in Winston-Salem are often driven by specific needs like job relocations or personal deadlines. These buyers are typically more serious but also more price-conscious. Listing a home at the right price from the start can help attract these motivated buyers, allowing the property to stand out and avoid sitting on the market during the slower season.

Showcase Warm and Inviting Features As temperatures drop, homebuyers in the Piedmont Triad will be drawn to properties that feel warm, cozy, and energy-efficient. Be sure to highlight features such as fireplaces, well-insulated windows, and energy-efficient heating systems. If the home includes upgrades like new furnaces, programmable thermostats, or improved insulation, emphasize these points. To create a welcoming atmosphere, consider staging with cozy elements like soft lighting, plush blankets, and warm-toned décor, helping potential buyers picture themselves settling in for the season.

Promote Energy Efficiency and Winter-Readiness Homes that are prepared for colder weather tend to be more appealing in the winter months. Before listing, ensure that heating systems are properly serviced and that the home’s insulation, windows, and other energy-efficient features are highlighted in your marketing. If the property includes additional upgrades like storm doors or solar panels, make sure these benefits are front and center, as buyers will appreciate the long-term cost savings and comfort during Winston-Salem’s winter months.

Keep Up with Curb Appeal in Any Season Curb appeal is just as important in the fall and winter as it is in the warmer months. In Winston-Salem, where winter weather can vary, maintaining a clean, welcoming exterior can go a long way. Keep walkways clear of leaves or ice, and consider adding seasonal decorations such as wreaths or planters with fall flowers. During winter, subtle lighting or a well-cleared path can enhance the property’s appeal and show that the home is well cared for, which reassures potential buyers.

While selling homes in the colder months might feel like a challenge, it’s also a time to attract serious buyers who are ready to make decisions. By pricing the home correctly, emphasizing cozy and energy-efficient features, and maintaining great curb appeal, you can help your sellers succeed during the off-peak season. With thoughtful staging and strategic marketing, homes in Winston-Salem and the Piedmont Triad can sell just as quickly in the fall and winter as they do in spring and summer, ensuring a win for both you and your clients.

Fall Activities to Enjoy in Winston-Salem, NC

molly@octostrategies.com (Molly Kerr) — Wed, 02 Oct 2024 13:00:01 GMT

As fall settles over Winston-Salem, the city transforms into a hub of seasonal fun. From outdoor adventures to cozy autumn experiences, there are countless ways to make the most of this beautiful time of year. Whether you’re a nature lover, a foodie, or just looking to embrace the spirit of the season, here are some must-do activities in Winston-Salem this fall.

1. Take in the Fall Foliage

Winston-Salem is known for its brilliant autumn colors, and leaf peeping is a favorite local pastime. For the best views of the season’s reds, oranges, and yellows, visit Reynolda Gardens or take a stroll around Salem Lake. Each spot offers picturesque scenery, perfect for a crisp fall day.

2. Hike the Fall Trails

If you love the outdoors, fall is the perfect time to explore hiking trails near Winston-Salem. The cooler weather makes it ideal for a day of trekking through the mountains while taking in the sweeping views of autumn landscapes. Not sure where to start? Check out a local trail guide to find the best routes for your next adventure.

3. Go Apple Picking

Nothing says fall quite like apple picking! Visit a local orchard for a day of fun with friends or family, gathering fresh apples for baking, snacking, or even cider-making. Many orchards also offer hayrides, apple-themed treats like cider donuts, and other fun activities.

4. Find Your Perfect Pumpkin

No fall season is complete without a trip to a pumpkin patch . Whether you're looking for the perfect pumpkin to carve, cook, or display on your porch, a visit to a local patch is a fun way to spend an afternoon. Wander through rows of pumpkins and take home the perfect one for your fall festivities.

5. Navigate a Corn Maze

Up for a challenge? Try your hand at a corn maze! Local farms in the area offer family-friendly mazes to test your sense of direction. For an extra layer of adventure, check out night-time mazes that add a spooky twist to the experience.

6. Attend the Carolina Classic Fair

The Carolina Classic Fair is an annual fall tradition in Winston-Salem. From October 4-13, you can enjoy carnival rides, indulge in delicious fair food like funnel cakes and fried Oreos, and end the night with fireworks. It’s a can’t-miss event for anyone looking to embrace the fun side of fall.

With a mix of outdoor adventures, local festivities, and cozy autumn treats, Winston-Salem offers endless opportunities to celebrate the fall season. So, grab a sweater, embrace the cooler weather, and enjoy everything this beautiful season has to offer!

Seasonal Home Staging Tips

Tue, 01 Oct 2024 18:50:32 GMT

As fall approaches in Winston-Salem, NC, homebuyers are often drawn to the cozy and warm atmosphere the season brings. Real estate agents in Winston-Salem can take advantage of autumn's appeal by staging homes to highlight the best of the season. Here’s how to effectively stage homes this fall:

Enhance Curb Appeal with Fall Décor in Winston-Salem First impressions matter, and fall is the perfect time to boost a home’s curb appeal. Encourage homeowners to add tasteful seasonal elements like pumpkins, fall wreaths, and potted mums. In Winston-Salem’s neighborhoods, a freshly raked yard with seasonal plants, like pansies and ornamental cabbages, can make a home stand out.

Maximize Natural Light During Shorter Fall Days With shorter daylight hours, it’s essential to maximize natural light in every room. Suggest homeowners remove heavy curtains, clean windows, and strategically place furniture to allow light to flow. Adding extra lamps or soft lighting helps create a warm, inviting glow, especially for afternoon showings in Winston-Salem.

Highlight Cozy Indoor Spaces Fall in Winston-Salem often brings cooler temperatures, making it the perfect time to showcase cozy living spaces. Focus on staging rooms like living areas, fireplaces, and reading nooks by adding soft throw blankets, cushions, and warm-toned décor. Creating a cozy ambiance can make buyers feel at home.

Incorporate a Fall Color Palette Use rich, autumn-inspired colors like burnt orange, deep red, and earthy brown throughout the home. Seasonal flowers, throw pillows, and table settings with these hues can tie the overall décor together. Winston-Salem buyers will appreciate the seasonal touches that help them envision the home as their own.

Engage the Senses with Seasonal Aromas In Winston-Salem, the scent of fall can create a memorable experience for buyers. Scents like cinnamon, pumpkin spice, and vanilla can evoke a welcoming atmosphere. Consider using candles, diffusers, or baking fresh cookies before showings to leave a lasting impression.

Staging homes for fall in Winston-Salem is all about creating an inviting environment that resonates with local buyers. By incorporating natural elements, warm color palettes, and cozy details, real estate agents can help buyers picture themselves living in the space. With thoughtful seasonal staging, Winston-Salem homes can sell faster and for the best price. Now’s the perfect time to elevate your listings and stand out in the local market this fall.

Tech Trends in Real Estate

Thu, 26 Sep 2024 18:00:03 GMT

The Sharpe Mortgage Team brings you news this week about preparing your lawn for cooler weather, cash-in refinances, and real estate technology. Click below to read more about these topics:

Preparing Your Lawn for Cooler Weather – As days shorten and temperatures drop, it's time to prepare your lawn for the cooler weather. While you might be tempted to pause your lawn care routine until spring, taking a few simple steps now can ensure your lawn stays healthy and vibrant through the fall and winter.

What You Need To Know About A Cash-in Refinance – As days shorten and temperatures drop, it's time to prepare your lawn for the cooler weather. While you might be tempted to pause your lawn care routine until spring, taking a few simple steps now can ensure your lawn stays healthy and vibrant through the fall and winter.

Technology Trends in Real Estate Marketing - With advancements in technology and shifting consumer preferences, it's crucial for real estate professionals to adopt emerging technologies and trends to remain competitive. From AI and virtual reality to social media influencers and sustainable housing, the future of real estate marketing holds exciting possibilities.

Thinking of purchasing a home in Winston-Salem or the Triad? The Sharpe Mortgage Team can help. Contact us to navigate the homebuying process with ease and expertise!

Neighborhood Guide to Winston-Salem’s West End

Tue, 24 Sep 2024 14:00:01 GMT

The West End neighborhood of Winston-Salem is a charming area brimming with delightful eateries, cozy coffee shops, lively bars, and unique shopping experiences. Here’s your guide to discovering the best that West End has to offer:

Restaurants

The Porch Kitchen and Cantina : For an unforgettable Tex-Mex experience, head to The Porch Kitchen and Cantina. This vibrant restaurant offers a diverse menu of delicious dishes and amazing drinks, making it a favorite spot for both locals and visitors.

That Place in the West End : Craving variety? That Place in the West End serves everything from exotic poke bowls to classic American fare like wings and burgers. The homemade sauces add a fresh twist to any dish, ensuring a memorable meal every time.

Old Fourth Street Filling Station : For a classy dining experience, visit Old Fourth Street Filling Station. Perfect for date nights or leisurely lunches, this restaurant offers delectable food in a relaxing atmosphere, making it an ideal spot to unwind.

Mozelle’s Fresh Southern Bistro : Enjoy a sophisticated meal and a glass of wine at Mozelle’s. With both indoor and outdoor seating, this bistro provides a prime location for an elegant dining experience in the heart of West End.

Coffee Shops

Louie and Honey : Step into Louie and Honey for a cozy coffee break. This woman-owned coffee shop offers a range of delicious cakes, pastries (don’t miss the cinnamon rolls!), and unique lattes, all in an aesthetically pleasing setting that invites you to linger.

The Remedy : The Remedy is more than just a coffee shop. With everything from simple drip coffee to specialty drinks, as well as beer, cocktails, wine, and meal options, you could easily spend an entire day here enjoying the laid-back atmosphere.

Bars

Joymongers Barrel Hall : Joymongers Barrel Hall is a perfect spot to relax with friends. With plenty of indoor and outdoor seating and over 17 beers on tap—some exclusive to Winston-Salem—this is the place to be for beer enthusiasts.

Hoots Beer Company : Combining fun drinks with a cozy lounge vibe, Hoots Beer Company is a unique bar worth visiting. If you get hungry, you can grab some food next door at The Porch, making it a convenient and enjoyable night out.

The Tap : Located right on the corner in West End, The Tap is an excellent spot for drinks, especially if you want to catch a sunset from the porch. They also host a weekly trivia night on Tuesdays, adding a fun twist to your evening plans.

West End in Winston-Salem is a vibrant neighborhood filled with culinary delights, cozy coffee shops, and lively bars. Whether you’re looking to enjoy a sophisticated meal, a relaxing coffee break, or a fun night out, West End has something to offer everyone. Make sure to explore all the hidden gems this charming area has to offer!

For more bars, restaurants, bakeries, and shops in Winston-Salem’s West End, click here .

Relationship Building Tips for Realtors

Thu, 19 Sep 2024 18:00:01 GMT

The Sharpe Mortgage Team brings you news this week about planning your spring garden, purchasing a home, and creating long-term connections in the real estate industry. Click below to read more about these topics:

Planning Next Spring’s Garden During Autumn - Fall is the perfect time to plan and plant for next spring's garden. Here are some ideas to help you prepare for beautiful blooms when the warmer weather arrives.

Signs You are Ready to Be a Homeowner - If you've been renting for some time, you might wonder, "Am I ready to buy a home?" While this decision largely depends on factors like credit scores and down payment savings, there are also many non-financial considerations to take into account.

Strategies for Cultivating Long-Term Connections in Real Estate - Building meaningful connections with clients, colleagues, industry partners, and community members is crucial for long-term success in business. Here are some effective strategies for cultivating long-term relationships in real estate, helping you strengthen your network.

Want to buy a home in Winston-Salem or the Triad? Reach out to The Sharpe Mortgage Team for assistance. We're here to ensure your homebuying process is simple and hassle-free!

City Guide to Lewisville, NC

Tue, 17 Sep 2024 14:00:02 GMT

Lewisville, North Carolina, located just 20 minutes west of Winston-Salem, offers a charming small-town feel with a variety of activities and events that appeal to residents and visitors alike. From annual festivals to outdoor adventures, Lewisville provides a welcoming community atmosphere and plenty of ways to enjoy your time in this delightful town.

Annual Events in Lewisville

Lewisville hosts a range of annual events that bring the community together and offer entertainment for all ages:

Family Movie Nights : During the spring and summer months, Lewisville's outdoor family-friendly movie nights are a popular event. Bring your blankets and chairs to enjoy a movie under the stars.
Concert Under the Star Series : This summer and early fall series features artists from various genres performing in Shallowford Square, offering a delightful evening of music and community.
Street Party & Food Truck Festival : This summer event is a highlight of the year, featuring dozens of food trucks, adult beverages, and live music. It's the perfect way to enjoy great food and entertainment.

Things to Do Outdoors in Lewisville

There are several parks and outdoor activities in Lewisville for those who love to spend time outside:

Jack Warren Park : This park features two bocce ball courts, two horseshoe pits, a large multi-purpose field, a walking trail with a Par Course, and a large pavilion, making it perfect for various recreational activities.
Joanie Moser Park : With a large playground, picnic shelters, a baseball field, and tennis courts, this park is ideal for families looking to enjoy a day outdoors.

Biking is also a popular activity in Lewisville. Shallowford Square serves as the starting point for many bike clubs and groups. On weeknights after work and weekends throughout the summer, you can find bikers gathering here before heading out on their rides.

Seasonal Events in Lewisville

Lewisville offers festive seasonal events that add to the town's charm:

Shalloween Halloween Festival : This fun event for children and families includes games, prizes, costume contests, and arts and crafts. It's perfect for kids and a great way to celebrate Halloween.
Christmas Tree Lighting : Celebrate the holiday season at Shallowford Square with this festive event. Enjoy Christmas crafts, hot chocolate, cookies, and an appearance from Santa to make the night merry and bright.

Lewisville is a delightful town with a strong sense of community and plenty of activities and events to enjoy throughout the year. Whether you're taking in a concert at Shallowford Square, participating in the Tour of Lewisville Bike Race, or enjoying a day at one of the local parks, Lewisville offers something for everyone. Visit Lewisville to experience its charming small-town atmosphere and discover why so many people love to call it home.

For more information about Lewisville and to view city demographics as well as an extensive list of places to eat and drink, click here .

Home Energy Saving Tips for Autumn in The Carolinas

Thu, 12 Sep 2024 18:00:03 GMT

The Sharpe Mortgage Team brings you news this week about fall energy saving tips, mortgage underwriters, and home seller leads. Click below to read more about these topics:

Fall Home Energy-Saving Tips - As temperatures drop, energy usage often increases, but with some simple tips and tricks, you can keep your home comfortable and your energy bills under control. Here are practical fall energy-saving tips to help you prepare for the cooler weather ahead.

What Does a Mortgage Underwriter Do? - As a mortgage application progresses, it transitions from the processor to the underwriter. The underwriter serves as the gatekeeper in the loan approval process. When buying a home, the loan cannot close or be funded without the underwriter's approval.

Effective Strategies for Generating Seller Leads - Although buyer leads are frequently prioritized in real estate lead generation, accessing the seller market is just as crucial for a successful business. Whether you're an experienced agent or new to the field, having effective strategies for generating seller leads is essential.

If Winston-Salem or the Triad is where you want to buy your next home, contact The Sharpe Mortgage Team. Let us guide you through the homebuying process smoothly!

City Guide to Clemmons, NC

Tue, 10 Sep 2024 14:45:00 GMT

A suburb of Winston-Salem, Clemmons, North Carolina, is located in Forsyth County. Known for its welcoming community, fantastic dining options, and a variety of activities, Clemmons is a great place to call home. Whether you're a resident or just visiting, there's something for everyone to enjoy in this charming village. Here's a guide to some of the best restaurants, bakeries, and activities Clemmons has to offer.

Restaurants in Clemmons

Clemmons Kitchen: This family-owned restaurant is renowned for its generous portions and a wide variety of dishes suitable for breakfast, lunch, and dinner. Be sure to arrive early on Saturday mornings, as the breakfast rush often results in a wait that's well worth it for the delicious fare.

2520 Tavern: A beloved family-run establishment, 2520 Tavern offers a diverse menu featuring American cuisine, seafood, and pasta that caters to all tastes. Known for its exceptional customer service, this restaurant offers brunch, lunch, and dinner, ensuring a delightful dining experience at any time of day.

Raku Ramen: Sushi and ramen enthusiasts must visit Raku Ramen. This restaurant serves up delectable and beautiful dishes, making each meal a feast for both the eyes and the palate.

Bakeries and Treats in Clemmons

Be Kind Coffee Co: This coffee shop is a local favorite, offering homemade baked goods, a variety of delicious drinks, and a warm, welcoming atmosphere. Be Kind Coffee Co is also known for its community spirit, frequently supporting local organizations through fundraisers.

Mama Mia Italian Ice: Family-operated and adored by locals, Mama Mia offers authentic Italian Ice and a selection of foods straight from New York, including pretzels, bagels, and bialys. It’s a must-visit for anyone with a sweet tooth or a craving for New York-style treats.

Maddie Cakes Bakery: Maddie Cakes Bakery is the perfect spot for light breakfast items, coffee drinks, smoothies, cakes, desserts, and lunch sandwiches. With a spacious indoor seating area, it's an ideal place to catch up with friends over a delicious treat.

Activities in Clemmons

Tap That Axe Throwing: For a fun and unique outing, head to Tap That Axe Throwing. This locally owned and operated venue is one of the largest axe-throwing clubs in the state. It's a great spot for dates, group outings, or family-friendly activities, and they even offer Glow Throw, which is glow-in-the-dark axe throwing!

Playground Golf & Sports Bar: This entertainment complex features three state-of-the-art golf simulators, table shuffleboard, indoor cornhole, 20 bottoms-up draft beers, and handcrafted cocktails. Playground Golf & Sports Bar hosts weekly events such as live music, trivia, and game nights, making it a fantastic place to socialize and have fun.

Tanglewood Park: Tanglewood Park is a jewel in Clemmons, offering a wide array of outdoor activities. Visitors can ride, run, walk, or rollerblade along the park's scenic trails or take advantage of horseback riding, pedal boats, and tennis courts. Golf enthusiasts can enjoy one of the park’s two golf courses, and for a unique twist on the sport, there's Softgolf, which uses 4 ½ inch foam balls on a larger scale. And don’t miss the plant varieties from around the world that you’ll find at the Arboretum and Garden.

Clemmons, NC, truly has something for everyone, from its diverse dining options and delightful bakeries to its exciting activities and beautiful parks. Whether you're exploring the trails at Tanglewood Park, savoring a meal at a local restaurant, or enjoying a sweet treat at a bakery, Clemmons offers a welcoming and vibrant community atmosphere. Visit Clemmons to experience the charm and hospitality that make this village a fantastic place to live, work, and play.

For more information about Clemmons and things to do there, click here .

Preparing Your Home for Fall in North Carolina

Thu, 05 Sep 2024 18:00:00 GMT

The Sharpe Mortgage Team brings you news this week about preparing your home for fall, saving on monthly mortgage payments, and real estate marketing. Click below to read more about these topics:

Prepare Your Home for Fall – After a long, hot summer, it's time to get your home ready for cooler weather! With autumn just around the corner, here are some tips to prepare your home for the upcoming change of seasons.

Save on Your Monthly Payments Through Debt Consolidation – Despite a slight increase in mortgage rates, you can still find a mortgage refinance that suits your financial needs. Many homeowners have debts from student loans, car payments, medical bills, or credit cards, but consolidating these into your home mortgage can help reduce your monthly payments.

Innovative Marketing Ideas for Real Estate Listings - Innovative marketing can make your real estate listings stand out and be more memorable to potential buyers. Here, we'll explore some cutting-edge strategies that can transform your listings from ordinary to extraordinary, helping you attract more buyers and close deals faster.

Considering a home purchase in Winston-Salem or the Triad? Connect with The Sharpe Mortgage Team. We'll help you navigate the homebuying process with confidence and ease!

Tips for Creating Amazing Property Listings

Thu, 29 Aug 2024 18:30:00 GMT

The Sharpe Mortgage Team brings you news this week about keeping snakes away from your home, home energy efficiency, and property listings. Click below to read more about these topics:

Keeping Snakes Away from your Home - Living in an area prone to snake sightings means you may have encountered an unwelcome visitor outside your home. Snakes can be unsettling for many people, venomous or not, and it can be challenging to stay calm when you see these creatures near your home.

Homebuyers Want Increased Energy Efficiency - A consumer survey by the National Association of Home Builders reveals that energy efficiency is a key consideration for many buyers of new-construction homes. Over 3,000 homebuyers were surveyed about their most-desired features, with many indicating a preference for sustainable options, such as durable building materials.

Creating Compelling Property Listings – Creating a compelling property listing is crucial for drawing in potential buyers and generating interest. Here are some tips to make your listings stand out.

Looking to buy a home in Winston-Salem or the Triad? The Sharpe Mortgage Team is ready to assist you. Let us make your homebuying experience seamless and enjoyable!

Building Your Real Estate Brand

Thu, 22 Aug 2024 18:30:00 GMT

The Sharpe Mortgage Team brings you news this week about late summer home cleaning, buyers agents, and real estate branding. Click below to read more about these topics:

Late Summer Home Cleaning Tips - As summer draws to a close, it's time to pack away seasonal items. Organizing and cleaning your summer gear now will ensure everything is ready to use next year. Fortunately, a late-summer cleanup doesn't have to be as demanding as spring cleaning.

What Does a Buyer’s Agent Do? - When buying a home, it's wise for the buyer to have their own real estate agent, known as a "buyer's agent." A buyer's agent acts as an advisor and advocate for the homebuyer throughout the entire homebuying journey.

Building a Strong Personal Brand as a Real Estate Professional - Building a strong personal brand is crucial for marketing your real estate business, setting you apart from competitors, and attracting more clients. Here's how to create and sustain a powerful personal brand.

Planning to purchase a home in Winston-Salem or the Triad? Reach out to The Sharpe Mortgage Team for expert assistance. We'll help you navigate the homebuying process with ease!

City Guide for Kernersville, NC

Tue, 20 Aug 2024 16:00:02 GMT

Conveniently located near the area’s major highways, Kernersville, NC is just a short drive from the bustling cities of Winston-Salem, Greensboro, and High Point. This charming town offers the perfect blend of small-town atmosphere with easy access to urban amenities. Kernersville has an array of charming stores, delightful dining options, and beautiful parks for residents and visitors alike. Here’s a guide to making the most of your time in Kernersville.

Exploring Kernersville:

Körner’s Folly : Step into the past with a visit to Körner’s Folly, a unique 22-room historic house museum. Once the home of artist and designer Jule Gilmer Körner, this quirky house offers self-guided and private tours. Be sure to get your tickets in advance, especially during seasonal events like spring and fall vendor markets or the spectacular holiday displays in winter.

Ciener Botanical Garden : Open daily from dawn to dusk, the Ciener Botanical Garden is a serene escape with no entry fee (though a $4 donation is suggested). Wander through the beautiful garden displays, join a guided tour, or browse the gift shop. Don't miss their seasonal events, including the Spectacular Holiday Blooms, wreath workshops, and the popular Movies on the Lawn and Lawn Concert Series during summer.

Local Parks:

Kernersville is home to several picturesque parks, perfect for outdoor activities and relaxation:

Old Kernersville Lake Park : Ideal for fishing and picnics.
Harmon Park : Features a playground, gazebo, fountains, and picnic tables.
Fourth of July Park : Offers a playground, walking trails, tennis courts, picnic areas, a basketball court, and a skate park.
Triad Park : A large park with volleyball courts, multiple playgrounds, a disc golf course, walking trails, numerous picnic shelters, and the Field of Honor.

Seasonal Events in Kernersville:

Kernersville Farmers Market (May-October): Every Wednesday and Saturday from 8:00 a.m. to 12:00 p.m., the Kernersville Farmers Market brings fresh, locally grown produce and handmade goods to the community.

Christmas at Körner’s Folly (Winter): During the holiday season, Körner’s Folly transforms into a Victorian winter wonderland. Explore the festively decorated rooms on a self-guided tour or opt for the immersive candlelight tour experience. Tickets sell quickly, so be sure to book right after Thanksgiving.

Ice Skating at Kernersville Museum (Winter): Embrace the winter fun at the Kernersville Museum’s ice skating rink, featuring synthetic ice. For just $5, enjoy 30 minutes of skating, including skate rental.

Concerts and Movies at Ciener Botanical Garden (Summer): Summer evenings come alive with concerts and movie nights on the lawn at Ciener Botanical Garden. Bring a blanket, enjoy the entertainment, and soak in the garden’s beauty under the stars.

Spectacular Holiday Blooms at Ciener Botanical Garden (Winter): Stroll through the dazzling lights of Spectacular Holiday Blooms. Marvel at the illuminated trees and lit wisteria, all while enjoying carolers from local choirs and theater groups.

Dewberry Farm (Spring/Summer): Open to the public only twice a year, Dewberry Farm offers u-pick tulips in the spring and sunflowers in the summer. This charming farm provides a picturesque setting for creating beautiful memories.

Kernersville, NC, offers a delightful mix of history, culture, and nature, making it an ideal place for a weekend getaway or a peaceful place to call home. With its proximity to larger cities and its array of local attractions and seasonal events, Kernersville truly has something for everyone. Whether you’re touring a historic home, strolling through a botanical garden, or enjoying the local parks, Kernersville is a treasure trove of experiences waiting to be discovered.

For more information about Kernersville and to view an extensive list of restaurants, bars, coffee shops, and bakeries, click here .

Neighborhood Guide to Winston-Salem’s Ardmore

Fri, 16 Aug 2024 01:54:55 GMT

Welcome to Ardmore, one of Winston-Salem’s most charming and historic neighborhoods. Nestled conveniently between downtown Winston-Salem and the Wake Forest Baptist Medical Center, Ardmore offers a unique blend of small-town charm and urban convenience. With its tree-lined streets, historic homes, and vibrant community, Ardmore is a delightful place to live, work, and play. You'll find plenty of activities, dining options, and scenic parks to explore in this beloved neighborhood.

Annual Events in Ardmore

Ardmore Art Walk: Every fall, the streets of Ardmore come alive with art. Local artists display their work in their front yards, creating a vibrant, open-air gallery. Residents and visitors can stroll from yard to yard, shopping for unique pieces and enjoying the creative atmosphere.

Ardmore RAH!: The Race Against Hunger (RAH!) is an annual fundraiser supporting the Second Harvest Food Bank. Held each fall, this event brings the community together to raise funds and awareness for a crucial cause, blending fitness with philanthropy.

Seasonal Decorations: Ardmore transforms during the holiday seasons. At Halloween, the neighborhood is known for its spooky and imaginative decorations, making it a favorite spot for trick-or-treaters. During Christmas, the beautiful light displays create a festive and enchanting atmosphere.

Where to Shop in Ardmore

Fancy Groceries: This unique men’s clothing store is located inside the Ardmore Barbershop. Fancy Groceries offers a selection of apparel and accessories, making it a convenient spot for stylish shopping while getting a haircut.

Parks in Ardmore

Miller Park: Miller Park is the heart of outdoor activity in Ardmore. It’s the perfect spot for a game of tennis, throwing a frisbee, or playing fetch with your dog. The park also features picnic shelters, making it ideal for family gatherings or a peaceful lunch in nature. Beyond Miller Park, the neighborhood’s streets are lined with beautifully updated historic homes, perfect for a leisurely walk.

Ardmore’s rich history and vibrant community spirit make it one of Winston-Salem’s most treasured neighborhoods. From its diverse dining options and quaint coffee shops to its beautiful parks and community events, there's something for everyone in Ardmore. Whether you're looking to enjoy a peaceful afternoon stroll, indulge in delicious cuisine, or participate in local events, Ardmore has it all. Visit Ardmore and experience the perfect blend of historic charm and modern convenience that makes this neighborhood truly special.

For more information about Ardmore as well as a list of restaurants, bars, bakeries, and coffee shops click here .

Best Walking Trails in Winston-Salem, NC

Fri, 16 Aug 2024 01:54:44 GMT

Winston-Salem, North Carolina, boasts an abundance of picturesque walking trails that cater to every outdoor enthusiast's preference. Whether it’s a leisurely stroll through historic neighborhoods or an invigorating hike along lush greenways, this city has something for everyone. From the tranquility of Bethabara Greenway to the scenic beauty of Salem Lake, here are some of the best walking trails in Winston-Salem:

Bethabara Greenway

Spanning 2.7 miles, the Bethabara Greenway provides a delightful journey through history and nature. Connecting the 300-year-old Moravian settlement of Bethabara with nearby neighborhoods and shopping centers, this flat and easy terrain is perfect for biking, running, or leisurely walks. The greenway's accessibility makes it a favorite among locals and visitors alike.

Long Branch Trail

For breathtaking city views and encounters with furry friends, Long Branch Trail is the place to be. Stretching 1.7 miles from Martin Luther King Jr. Drive through Wake Forest Innovation Quarter to Salem Creek Greenway, this trail offers a blend of urban exploration and natural beauty. Whether you're admiring the city skyline or enjoying the company of dogs along the way, Long Branch Trail promises an unforgettable experience.

Hanes Park

Nestled in the heart of West End, Hanes Park beckons walkers with its serene ambiance and scenic vistas. With its picturesque bridges and lush greenery, this park is a haven for nature lovers. Hanes Park caters to sports enthusiasts and families alike with amenities like track and tennis courts. Don't miss the opportunity to visit in the fall when the foliage transforms the park into a vibrant tapestry of colors.

Downtown Strollway

Immerse yourself in Winston-Salem's rich history and vibrant downtown scene with a stroll along the Downtown Strollway. This 1.2-mile path connects downtown with Old Salem, offering a glimpse into the city's past while showcasing its modern charm. Extend your walk by exploring Old Salem's historic streets or continue along the Salem Creek Greenway for a longer adventure.

The Quarry at Grant Park

For panoramic skyline views and a tranquil escape from the bustle of city life, head to The Quarry at Grant Park. Traverse the Waughtown Connector trail, which meanders from Marble and Waughtown streets through Quarry Park to the Peachtree Greenway. With its 1.6-mile length and the option to extend your journey on the Peachtree Greenway, this trail promises both serenity and exploration.

Salem Lake

Escape to nature's embrace at Salem Lake, where seven miles of shaded paths await avid walkers and runners. Despite its occasional hills, the trail's lush tree canopy provides respite from the sun, making it an ideal destination year-round. Keep an eye out for turtles basking in the sun along the lake's edge, and consider renting a kayak to further explore the scenic waters after your walk.

Whether you're seeking a leisurely stroll through historic neighborhoods or a challenging hike with panoramic views, Winston-Salem's diverse walking trails offer something for everyone. So, lace up your walking shoes, immerse yourself in nature, and discover the beauty of this charming city, one step at a time.

For more amazing walking trails in Winston-Salem, click here .

Hosting Virtual Events for Realtors

Thu, 15 Aug 2024 18:15:00 GMT

The Sharpe Mortgage Team brings you news this week about summer pest control, home equity loans, and hosting virtual events in the real estate industry. Click below to read more about these topics:

Summer Pest Control - Warm weather in summer and early fall is perfect for outdoor fun but also prime time for pests to invade your home. The most effective way to keep these insects at bay is to hire a pest control professional to treat your home inside and out. If you prefer a chemical-free or DIY approach, there are several home remedies available. Use these tips to keep pests out of your home this summer.

Which Home Equity Loan Is Right for Me? - One of the key benefits of homeownership is building equity over time. This equity can be tapped into through a one-time home equity loan or a home equity line of credit (HELOC). Whether you want to renovate your home, pay off debt, or start a college fund for your children, leveraging your home’s equity can provide valuable financial flexibility.

Hosting Virtual Events and Webinars for Real Estate Marketing – Recently, virtual events and webinars have emerged as powerful real estate marketing tools. They enable you to reach a broader audience, display properties, and demonstrate your expertise. Hosting virtual events and webinars can greatly benefit real estate agents by enhancing your brand, cultivating relationships, and generating leads.

If you're in the market for a home in Winston-Salem or the Triad, get in touch with The Sharpe Mortgage Team. We're here to guide you through the homebuying process effortlessly!

Weekend Getaways Near the Piedmont Triad

Tue, 13 Aug 2024 16:00:00 GMT

Nestled in the heart of North Carolina, the Piedmont Triad region offers an abundance of nearby weekend getaway options. From outdoor adventures to historic charm to peaceful retreats, there’s something for everyone within a short drive from Greensboro, Winston-Salem, and High Point. Here are some top destinations to consider for your next weekend escape:

1. Blue Ridge Mountains

Distance from Piedmont Triad: ~2 hours

Escape to the Blue Ridge Mountains for breathtaking scenery and outdoor activities. The Blue Ridge Parkway offers stunning vistas, hiking trails, and quaint mountain towns like Blowing Rock and Boone. Visit Grandfather Mountain to walk across the Mile-High Swinging Bridge and explore wildlife habitats. Don’t forget to explore the charming shops and local eateries.

2. Asheville

Distance from Piedmont Triad: ~2.5 hours

Known for its vibrant arts scene and historic architecture, Asheville is a perfect blend of cultural experiences and natural beauty. Tour the magnificent Biltmore Estate, explore the River Arts District, and enjoy the lively downtown area filled with unique shops, breweries, and restaurants. For nature lovers, the nearby Pisgah National Forest offers hiking, waterfalls, and scenic drives.

3. Pilot Mountain State Park

Distance from Piedmont Triad: ~1 hour

For a closer outdoor adventure, head to Pilot Mountain State Park. The iconic peak offers stunning views, hiking trails, rock climbing, and picnic areas. The Yadkin River section of the park provides opportunities for canoeing, fishing, and more hiking trails. It’s an ideal spot for a day trip or a camping weekend.

4. Seagrove

Distance from Piedmont Triad: ~1 hour

Art and pottery enthusiasts will love Seagrove, the handmade pottery capital of the U.S. Spend the weekend exploring over 100 pottery shops and studios, where you can watch demonstrations and purchase unique pieces. The North Carolina Pottery Center offers exhibits and history on this rich craft tradition.

5. Hanging Rock State Park

Distance from Piedmont Triad: ~1 hour

Hanging Rock State Park is a haven for outdoor enthusiasts. With over 20 miles of hiking trails, cascading waterfalls, and stunning rock formations, it’s perfect for hiking, rock climbing, and picnicking. The park also features a lake for swimming, canoeing, and fishing, as well as cabins and campgrounds for an extended stay.

6. Charlotte

Distance from Piedmont Triad: ~1.5 hours

For those seeking urban excitement, Charlotte offers a plethora of activities. Visit the NASCAR Hall of Fame, explore the vibrant Uptown district with its museums and entertainment venues, and indulge in diverse culinary experiences. Charlotte’s lively nightlife and shopping options make it an excellent weekend getaway for city lovers.

7. Lake Norman

Distance from Piedmont Triad: ~1.5 hours

Enjoy a relaxing weekend by the water at Lake Norman, the largest man-made lake in North Carolina. Rent a boat, go fishing, or simply relax on the shore. The area offers charming towns like Davidson, with its quaint downtown, shops, and restaurants. It’s a perfect destination for water sports and unwinding.

8. Wilmington and the Beaches

Distance from Piedmont Triad: ~3.5 hours

For a beach getaway, head to Wilmington and its nearby beaches like Wrightsville Beach and Carolina Beach. Explore the historic downtown area with its riverfront, boutiques, and eateries. Visit the Battleship North Carolina, stroll through the lush gardens of Airlie Gardens, and soak up the sun on the beautiful sandy shores.

The Piedmont Triad is surrounded by diverse and exciting weekend getaway options, from mountain retreats and beach escapes to cultural and urban adventures. Whether you’re looking for relaxation or exhilaration, these destinations offer a perfect escape from the everyday hustle. Pack your bags and set out on an unforgettable weekend journey right from the heart of North Carolina!

Backyard Wildlife Habitats

Thu, 08 Aug 2024 18:15:00 GMT

The Sharpe Mortgage Team brings you news this week backyard wildlife habitats, changing the air filters in your home, and mastering follow-up in the real estate business. Click below to read more about these topics:

Creating A Backyard Wildlife Habitat - Establishing a wildlife habitat in your yard is an excellent way to engage with nature and enhance local ecosystems. Regardless of your gardening experience, incorporating bird feeders, butterfly gardens, and pollinator plants can turn your outdoor area into a lively sanctuary for wildlife.

The Importance of Changing Your Home Air Filters - Clogged filters in your heating and air conditioning unit can reduce system efficiency, degrade indoor air quality, and raise your energy costs. The primary cause of heating and cooling unit malfunctions is dirty filters. As dirt and dust build up, airflow is restricted, leading to potential overheating. Regularly changing your system's filter can prolong its lifespan significantly.

Mastering the Art of Follow-Up in Real Estate - In real estate, the follow-up process is extremely important for building relationships, securing deals, and fostering trust with clients. Here are some strategies to help you master the art of follow-up.

Thinking about buying a home in Winston-Salem or the Triad? Contact The Sharpe Mortgage Team today. We'll make your homebuying journey smooth and stress-free!

Amazing Museums Near Winston-Salem, NC

Tue, 06 Aug 2024 18:00:00 GMT

Embark on a journey through time and culture with a visit to the vibrant museums near Winston-Salem, NC. Whether you're a history buff, an art enthusiast, or simply love to explore new horizons, these diverse museums offer something for everyone. From Victorian-era homes to immersive storytelling experiences, below is a curated list of must-visit museums that promise to captivate your imagination:

Frank L. Horton Museum Center - Located amidst the enchanting Old Salem Museums & Gardens, the Frank L. Horton Museum Center beckons with its rich collection of historical artifacts. Delve into the intricacies of early Southern decorative arts at the Museum of Early Southern Decorative Arts, housed within this charming center. With each exhibit offering a glimpse into the past, you'll find yourself immersed in the stories of bygone eras.

Museum of Understanding, Storytelling, and Engagement (MUSE) - Step into the heart of Winston-Salem's vibrant community at MUSE, where history comes to life through engaging exhibits and interactive displays. From showcasing the city's industrial heritage to celebrating its cultural diversity, each corner of this dynamic museum offers a new perspective on Winston-Salem's evolution over the years.

Körner’s Folly - Transport yourself to the opulent world of Victorian-era architecture at Körner’s Folly, a true gem nestled in Kernersville. Wander through the labyrinthine corridors of this historic home-turned-museum, adorned with exquisite artwork and ornate décor. Don't miss the chance to visit during the festive season when the Folly dazzles with its enchanting holiday decorations.

Reynolda House Museum of Art - Discover the intersection of art and history at the Reynolda House Museum of Art, once the lavish estate of tobacco magnate R.J. Reynolds. Stroll through the elegant rooms of this grand mansion, adorned with masterpieces by renowned artists. Take a leisurely stroll through the meticulously manicured gardens, where nature's beauty complements the splendor of human creativity.

Single Sisters’ House Museum - Step back in time at the Single Sisters’ House Museum, a testament to the pioneering spirit of Moravian women in America. Nestled within Salem College's historic campus, this museum offers a glimpse into the lives of young women who sought knowledge and independence in a bygone era. Explore the meticulously restored interiors and embark on a self-guided tour of this architectural marvel.

Cowboy Museum - Saddle up for an adventure at the Cowboy Museum, a tribute to the rugged spirit of the American West. Immerse yourself in the allure of cowboy culture as you peruse an extensive collection of memorabilia and artifacts. From classic film posters to authentic cowboy attire, each exhibit offers a window into a bygone era of frontier life.

Embark on a journey of discovery and enlightenment as you explore these remarkable museums near Winston-Salem. Whether you're a seasoned traveler or a curious local, these cultural treasures promise to leave an indelible impression on your heart and mind. Plan your visit today and embark on an unforgettable voyage through the annals of history and heritage.

For more great museums in the area, click here .

Moving This Summer? Here Are Some Tips

Thu, 01 Aug 2024 16:15:03 GMT

The Sharpe Mortgage Team brings you news this week about renting a moving truck, hiring a professional organizer, and preparing your children for moving. Click below to read more about these topics:

Renting a Moving Truck - When moving into a new home, transporting your items can seem daunting, and hiring movers might be unaffordable. If you're considering moving your belongings on your own, here are some tips on renting a moving truck to make the process smoother.

Hiring A Professional Organizer When Moving - Packing and unpacking boxes can be a tedious task when moving into a new home. Hiring professional home organizers can make your moving experience less stressful. By enlisting an organizer's help, you can reduce moving costs and ensure a fresh, organized start in your new home.

Preparing Children for Moving - Buying a new home is an incredibly exciting experience, especially for creating new family memories. Preparing children for the move can help ease their homesickness and anxiety. Follow these tips to help your children feel at home in your new house and make the transition smoother for everyone!

Ready to take the next step towards homeownership in Winston-Salem or the Triad? Contact The Sharpe Mortgage Team today and let us put our expertise to work for you. From pre-approval to closing, we'll be with you every step of the way.

Why Winston-Salem is a Great Place to Raise a Family

Tue, 30 Jul 2024 15:45:00 GMT

Winston-Salem, nestled in the heart of North Carolina, offers a compelling blend of history, culture, and modern amenities that make it an ideal place to raise a family. From top-notch educational opportunities to a thriving arts scene and abundant outdoor recreation, here are just a few reasons why Winston-Salem stands out as a family-friendly destination:

1. Strong Sense of Community

Winston-Salem is renowned for its strong sense of community. Neighborhoods across the city foster connections among residents through local events, festivals, and community organizations. Whether you're attending a block party or volunteering with your neighbors, you'll quickly feel like a valued member of the community.

2. Excellent Schools and Educational Opportunities

Families in Winston-Salem have access to excellent educational opportunities. The city is home to top-ranked public and private schools, as well as renowned universities and colleges. From preschool to higher education, Winston-Salem offers a diverse range of educational options to meet the needs of every student.

3. Affordable Cost of Living

Compared to many other cities in the country, Winston-Salem boasts a relatively low cost of living. Housing prices are more affordable, and everyday expenses, such as groceries and transportation, are budget-friendly. Families can enjoy a high quality of life without breaking the bank.

4. Vibrant Arts and Culture Scene

Winston-Salem is a hub of arts and culture, with a thriving arts scene that offers something for everyone. From world-class museums and galleries to live theater performances and musical concerts, there's no shortage of cultural experiences to explore. Families can enrich their lives and broaden their horizons through exposure to the arts.

5. Abundant Outdoor Recreation

Nature lovers will appreciate the abundance of outdoor recreation opportunities in and around Winston-Salem. The city is surrounded by scenic parks, greenways, and hiking trails, providing endless opportunities for families to explore the great outdoors. Whether you enjoy hiking, biking, or simply relaxing in nature, Winston-Salem has something for everyone.

6. Family-Friendly Attractions

Winston-Salem offers a variety of family-friendly attractions and activities to enjoy together. From interactive museums and zoos to amusement parks and botanical gardens, there's no shortage of fun-filled adventures awaiting families in the city. Whether you're seeking thrills or educational experiences, Winston-Salem has it all.

Winston-Salem, NC, offers a winning combination of community spirit, educational opportunities, affordability, cultural experiences, outdoor recreation, family-friendly attractions, and diverse dining options that make it an exceptional place to raise a family. With its welcoming atmosphere and abundant opportunities for growth and exploration, Winston-Salem truly stands out as a great place to call home.

Summer Home Energy Efficiency

Thu, 25 Jul 2024 16:00:01 GMT

The Sharpe Mortgage Team brings you news this week about summer home energy saving, real estate agents, and TikTok marketing. Click below to read more about these topics:

Maximize Energy Efficiency in Your Home This Summer - Keeping your home cool during the summer while maximizing energy efficiency can be challenging. With a few simple strategies, you can stay comfortable, reduce energy consumption, and save money. Here are five effective tips to maximize energy efficiency in your home this summer.

Realtors Are the Key to Successful Home Sales - You might manage buying or selling your home alone, but a Realtor can streamline the process, market your home to a wider audience, negotiate the sale, and simplify your life. Given that this is likely your largest financial decision, a professional real estate agent's expertise ensures every detail is attended to. Real estate agents offer far more than you may realize. Here are a few key benefits they provide.

TikTok Tactics for Real Estate Agents – TikTok's rapid rise in popularity has made it an exciting platform for real estate agents to showcase properties and connect with a younger audience. Here are some tactics to help you make the most of TikTok.

Dreaming of homeownership in Winston-Salem or the Triad? Look no further than The Sharpe Mortgage Team for all your homebuying needs. Our dedicated team is committed to helping you navigate the market and secure the home of your dreams.

The International Black Theatre Festival in Winston-Salem, NC

Tue, 23 Jul 2024 15:30:00 GMT

This world-renowned festival is returning to Winston-Salem this year, with a fresh new name and an exciting array of events. Formerly known as the National Black Theatre Festival, the newly rebranded International Black Theatre Festival (IBTF) will take place from July 29 to August 3, 2024. This 18th biennial event is a celebration of spirit, culture, and art, transforming Winston-Salem into a vibrant performing arts hub.

Over the course of six days, Winston-Salem will host more than 130 performances across multiple stages, welcoming over 65,000 theatre enthusiasts from around the globe. The IBTF promises a dynamic blend of theatre workshops, film festivals, seminars, and a star-studded celebrity gala, creating one of the largest and most anticipated theatre festivals in the country.

Highlights of the Festival

Diverse Performances and Workshops

The IBTF offers an impressive lineup of performances, ranging from classic plays to cutting-edge contemporary works. Theatregoers can look forward to an array of shows that celebrate the rich diversity and talent within the Black theatre community. Complementing the performances are a variety of workshops designed to educate and inspire both emerging and established artists.

Star-Studded Events

Aside from the theatrical performances, the festival features a stellar array of events, including:

Youth Talent Showcase: Highlighting the next generation of theatre talent.
International Colloquium: A forum for intellectual exchange and discussion.
TeenTastic Celebration: Engaging activities and performances for teens.
Midnight Poetry Jam: A popular event featuring passionate spoken word performances.
IBTF Film Fest: Showcasing films that highlight Black experiences and stories.
International Vendors Market: Offering crafts and goods from around the world, along with live entertainment to enhance the shopping experience.

The International Black Theatre Festival is a celebration of art, culture, and community that you won’t want to miss. Whether you're a theatre aficionado or a newcomer to the world of performing arts, the IBTF offers something for everyone. Mark your calendar and get ready for an amazing experience in Winston-Salem this summer!

For more information, click here .

LinkedIn Marketing For Realtors

Thu, 18 Jul 2024 16:00:00 GMT

The Sharpe Mortgage Team brings you news this week about summer storms, moving with pets, and using LinkedIn for real estate. Click below to read more about these topics:

Preparing Your Home for Summer Storms and Emergencies - Summer storms can bring heavy rain, strong winds, and severe weather, putting your home at risk. Protect your family and property by following this concise guide to prepare for summer storms and emergencies.

Make Moving With Pets Stress-Free - Moving into a new home is thrilling, but it can be stressful for pets who need time to adjust to their new environment. Here are some simple tips to help your furry friends transition safely and comfortably.

LinkedIn for Real Estate Business Growth - LinkedIn offers real estate professionals a valuable opportunity to expand their networks and boost their business. Learn how to optimize your LinkedIn profile and make the most of its features.

Considering buying a home in Winston-Salem or the Triad region? Let The Sharpe Mortgage Team be your trusted partner in the process. With our personalized service and industry expertise, we'll help you find the perfect home for your needs.

You-Pick Blueberry Farms Near Winston-Salem, NC

Tue, 16 Jul 2024 15:30:00 GMT

Looking for a fun and family-friendly summer activity? Picking blueberries is a perfect way to enjoy the warm weather, support local agriculture, and bring home delicious, fresh berries. There are several excellent farms in the Winston-Salem area where you can pick your own blueberries, enjoy farm activities, and make lasting memories. Check out these top blueberry-picking spots near Winston-Salem and Greensboro!

Sprinkle’s Blueberry Farm

ADDRESS: 2201 Trinidad Lane, Winston-Salem

For over four decades, Sprinkle’s Blueberry Farm has been a beloved spot for blueberry picking in Winston-Salem. Their expertise in blueberry cultivation means you’ll find plenty of ripe, scrumptious berries to pick. This family-friendly farm also provides a variety of blueberry recipes, perfect for turning your freshly picked berries into delightful treats. Whether you’re a seasoned picker or a first-timer, Sprinkle’s Blueberry Farm offers a welcoming and enjoyable experience.

Willow Ridge Farmstead

ADDRESS: 4720 Willow Court, Winston-Salem

Willow Ridge Farmstead is an organic, family-run gem in Winston-Salem. Known for their sustainable farming practices, this farm offers you-pick blueberries by the gallon. Beyond berries, visitors can explore a variety of other farm produce and meet the adorable farm animals. It’s a great spot for families looking to enjoy a day in the countryside, pick fresh fruit, and learn more about organic farming practices.

Hall’s Berry Farm

ADDRESS: 110 Annie Ln, Advance

Hall’s Berry Farm, a quaint, family-owned operation, is a lovely spot to pick your own organically grown blueberries. Nestled in the picturesque town of Advance, this farm offers lush fields filled with ripe berries and beautiful scenery. The peaceful atmosphere makes it a perfect place to relax and enjoy the simple pleasure of berry picking. Bring your family, pick some blueberries, and enjoy the refreshing rural landscape.

Reich’s Blueberries

ADDRESS: 4875 Ebert Road, Winston-Salem

Known for their sweet, plump berries, Reich’s Blueberries offers a delightful pick-your-own experience at a great value. The farm’s beautiful landscape adds to the charm, making it an enjoyable outing for berry lovers of all ages. Stay tuned to their updates to know the exact opening times and make sure to bring your bucket for a fun day of blueberry picking.

Blueberry picking is a fantastic summer activity that combines fun, fresh air, and delicious rewards. With several wonderful options near Winston-Salem and Greensboro, you're sure to find the perfect farm to visit. Happy picking!

For more blueberry farms in the area, click here .

Keep Your Home Cool This Summer

molly@octostrategies.com (Molly Kerr) — Thu, 11 Jul 2024 15:45:02 GMT

The Sharpe Mortgage Team brings you news this week about summer home maintenance and Instagram marketing strategies for real estate agents. Click below to read more about these topics:

5 Home Cooling Strategies - As the summer heat intensifies, keeping your home cool is essential. Discover five cost-effective strategies to stay comfortable without overspending.

Checklist For Moving to a New Home - Moving into a new home is thrilling, but it can quickly become overwhelming with so much to manage. Use this checklist to stay organized and simplify your move.

Facebook Groups- Networking and Lead Generation in Real Estate - Facebook Groups provide real estate professionals with a unique opportunity to connect with niche communities, network with peers, and generate leads. Learn how to leverage Facebook Groups to boost your real estate business.

Ready to find your dream home in Winston-Salem or the Triad area? Reach out to The Sharpe Mortgage Team for expert assistance. We'll work with you every step of the way to make your homeownership goals a reality.

Instagram for Real Estate Agents

Thu, 04 Jul 2024 15:45:00 GMT

The Sharpe Mortgage Team brings you news this week summer home maintenance and Instagram marketing strategies for real estate agents. Click below to read more about these topics:

Summer Home Maintenance Checklist - As summer heats up, it's crucial to ensure your home is ready to handle the season's warmth and outdoor fun. To help you keep up with essential home maintenance, we've compiled a concise checklist to keep your home running smoothly throughout the summer months. Here are key tasks to incorporate into your summer maintenance routine.

Instagram for Real Estate: Tips and Strategies for Building Your Brand - Building a brand presence on Instagram has the potential to revolutionize your real estate business marketing efforts. With its visually-oriented platform, Instagram offers an ideal space for showcasing properties and engaging with potential clients. Here, you'll find a collection of tips and strategies aimed at assisting you in establishing and growing your real estate brand on Instagram.

Looking to make Winston-Salem or the Triad your new home? Get in touch with The Sharpe Mortgage Team today. Our experienced team is here to guide you through the homebuying journey and ensure a smooth and stress-free experience.

4th of July Events in Winston-Salem

Tue, 02 Jul 2024 15:30:00 GMT

The 4th of July is a time for celebration, and Winston-Salem offers a variety of events to mark our nation’s independence. Whether you enjoy live music, fireworks, or baseball, there’s something for everyone. Here are some of the top events happening in and around Winston-Salem during Independence Day this year:

July 4: Salem Band “Stars & Stripes” Concert

Time: 6:45 p.m.

Location: Salem Square at Old Salem Museums & Gardens

Celebrate the 4th of July with the nation’s oldest mixed-wind ensemble, the Salem Band, as they perform their annual "Stars & Stripes" concert. The event will feature a special performance by vocalist Mignon Dobbins. Bring a blanket or chair, enjoy the historic setting of Salem Square, and immerse yourself in patriotic music that pays tribute to our country’s history and independence.

July 4-30: Winston-Salem Dash Special Theme Nights

Location: Truist Stadium

The Winston-Salem Dash, our local minor league baseball team, is hosting several special theme nights throughout July at the award-winning Truist Stadium. One of the highlights is the July 4th celebration, which includes an exciting fireworks show. This is a fantastic event for families and baseball fans alike. Enjoy America's favorite pastime and stay for the fireworks display that lights up the summer sky.

July 6: Davie County Community Park Concert & Fireworks

Time: 7:00 - 11:00 p.m.

Location: Davie County Community Park - Outdoor Amphitheater

Performers:

Raquel & The Wildflowers: 7:00 p.m.
Band of Oz: 8:30 p.m.

Extend your Independence Day celebrations with an evening of live music at the Davie County Community Park’s Outdoor Amphitheater. The concert features performances by Raquel & The Wildflowers and the Band of Oz. The event runs from 7:00 to 10:30 p.m., concluding with a spectacular fireworks display. The best view of the fireworks is from inside the park, so be sure to stay until the end for a dazzling finale.

Winston-Salem and the surrounding areas offer a vibrant array of events to celebrate the 4th of July. Whether you’re enjoying the rich musical heritage with the Salem Band, catching a thrilling baseball game, or dancing to live bands at Davie County Community Park, you’ll find plenty of ways to celebrate Independence Day with friends and family. Be sure to mark your calendars and enjoy the festivities!

Using ChatGPT for Real Estate Marketing

Thu, 27 Jun 2024 18:59:31 GMT

These days, the letters “AI” appear everywhere, from conversations to news stories to social media channels and beyond. One such AI tool that can be a game-changer for real estate agents’ marketing efforts is ChatGPT. Here's the beauty of it: you can generate unique AI email templates in under two minutes, making your marketing efforts efficient and effective.

Let's explore how you can use ChatGPT for your marketing efforts. Below are some tips for getting tailored information from ChatGPT that will help set you apart:

Add Context: Provide background information to help ChatGPT understand the scenario.
Example: "I'm a real estate agent needing to follow up with potential clients interested in buying a new home."
Explain Desired Outcome: Clearly define what you want to achieve.
Example: "A professional email template encouraging clients to take the next step in purchasing their new home."
Instruct the AI: Ask ChatGPT to act like a world-class copywriter.
Example: "Act like a world-class copywriter and create an engaging, professional email template."
Describe the Journey: Outline the key points to include in the email.
Personalize the email with the client's name.
Highlight the benefits of buying a home.
Provide clear next steps for the client to take.
Include a call to action encouraging the client to schedule a property viewing.
Combine into Full Prompt:
"I'm a real estate agent needing to follow up with potential clients interested in buying a new home. Create a professional email template that encourages clients to take the next step in purchasing their new home. Act like a world-class copywriter. Personalize with the client's name, highlight benefits, provide next steps, and include a call to action."

Bonus Tip: If you like an existing email template, insert it and instruct the AI to model the new response based on that structure.

Send me your first email, and I'll be delighted to provide feedback! Remember, this is a journey we're on together. If you're hungry for more marketing ideas, let’s schedule a time to discuss how we can combine forces and learn from each other's experiences!

Outdoor Lighting Ideas for Summer Nights

Thu, 27 Jun 2024 16:45:00 GMT

The Sharpe Mortgage Team brings you news this week about outdoor lighting, listing your home for sale, and free resources for real estate marketing.

Summer Movie Nights: Outdoor Cinema in Winston-Salem

Thu, 20 Jun 2024 20:25:19 GMT

Escape the confines of traditional movie theaters and immerse yourself in the enchanting experience of outdoor cinema. Winston-Salem and nearby towns offer many summer movie series, providing a perfect opportunity to enjoy your favorite films under the stars. From family-friendly animations to nostalgic classics, here's your guide to the ultimate outdoor movie nights in the area:

Innovation & Cinema at Bailey Park

Embark on a cinematic journey through fantastical worlds with the Innovation & Cinema series at Bailey Park. Hosted by Innovation Quarter and a/peture cinema, this lineup promises to ignite your imagination. From the timeless adventure of "The NeverEnding Story" to the iconic nostalgia of "The Super Mario Bros. Movie," each screening is a gateway to a magical realm. Don't forget to bring your chairs or blankets and indulge in delectable treats from onsite food trucks.

Flashback Fridays at MUSE Winston-Salem

Relive the glory days of sports cinema with Flashback Fridays at MUSE Winston-Salem. Presented by MUSE Winston-Salem and a/peture cinema, this series celebrates iconic sports films that have captured the hearts of audiences. From the empowering story of "A League of Their Own" to the comedic charm of "Talladega Nights," each screening promises an evening filled with laughter, camaraderie, and nostalgia. Grab your lawn chairs, munch on delicious snacks from onsite food trucks, and get ready for a trip down memory lane.

Big Backyard Movie Nights at Crossnore Communities for Children

Join the children of Crossnore for a season of animated adventures at Big Backyard Movie Nights. Presented by Crossnore and a/peture cinema, this series features 100% animated films selected by the children themselves. From the action-packed antics of "Teenage Mutant Ninja Turtles: Mutant Mayhem" to the heartwarming melodies of "Sing," each screening is a delightful escapade into the world of animation. Spread your blankets on the sports field, savor tasty treats from onsite food trucks, and let the magic of animation unfold under the starlit sky.

Starlight Movie Nights at Shallowford Square

Experience the thrill of outdoor cinema with Starlight Movie Nights at Shallowford Square, presented by the Town of Lewisville. From the prehistoric wonders of "Jurassic Park" to the adventurous spirit of "Jumanji," each screening promises an unforgettable night of entertainment. Bring your chairs or blankets, settle in beneath the open sky, and enjoy an evening of cinematic delights.

Movies in the Park in Kernersville , Winston-Salem , and Mocksville

Grab your popcorn and head to various locations across Kernersville, Winston-Salem, and Mocksville for Movies in the Park, presented by local recreation and parks departments. With a diverse lineup of films including "E.T.," "Jurassic Park," and "The Goonies," these screenings offer something for everyone. Bring your chairs or blankets, participate in exciting giveaways, and treat yourself to delicious offerings from onsite food trucks.

This summer, embrace the magic of outdoor cinema with these captivating movie series in Winston-Salem and neighboring towns. Whether you're seeking adventure, laughter, or nostalgia, these screenings promise an unforgettable experience under the twinkling stars. For more information, click here .

Landscaping Projects For Your Backyard

molly@octostrategies.com (Molly Kerr) — Thu, 20 Jun 2024 16:15:00 GMT

The Sharpe Mortgage Team brings you news this week about home landscaping projects, benefits of mortgage planners and free platforms for building and nurturing a real estate contact list.

Understanding the Impact of Recent Changes on VA-Guaranteed Home Loans

Tue, 18 Jun 2024 18:57:05 GMT

In March, the National Association of REALTORS® (NAR), a leading advocate for homeownership and real estate issues, settled a class-action lawsuit, necessitating changes to its brokerage fee rules. This settlement, which could bring about significant shifts in the real estate market, has prompted the VA to announce an important update to support Veterans using the VA-guaranteed home loan benefit.

Why Buy a Home This Summer with Us?

molly@octostrategies.com (Molly Kerr) — Tue, 18 Jun 2024 16:45:00 GMT

Summer is HERE, meaning trips to the beach, days in the sun, and plenty of Carolina blue skies. It is also the busiest season for buying and selling homes, so it’s The Sharpe Mortgage Team’s FAVORITE time of the year!

Are you considering buying a home in the beautiful Triad area of NC this summer? Look no further than Highlands Mortgage, where exceptional service meets unwavering dedication.

We understand that purchasing a home is more than just a transaction—it's a milestone. Our team ensures you are genuinely cared for and that your experience is smooth from start to finish.

Why Buy a Home This Summer with Us?

Personalized Customer Service: We pride ourselves on offering excellent customer service tailored to your unique needs.
Responsiveness: Our team is always just a call or email away, ready to promptly address any questions or concerns.
Expert Guidance: Rely on our knowledge and over 20 years of experience to navigate the often-complicated world of home buying with CONFIDENCE and ease.

Summer is the perfect time to find your dream home in Winston-Salem, Greensboro, or any other place in North Carolina. Let The Sharpe Mortgage Team guide you every step of the way.

With our caring and responsive mortgage team, make your home-buying journey this summer memorable. Call 336-575-9448 to get started!

Winston-Salem Summer Concert Series

Mon, 10 Jun 2024 14:02:08 GMT

As the warm breeze of summer rolls in, Winston-Salem gears up for a season packed with outdoor entertainment. Whether you're looking for a romantic date night or a lively family outing, the city's summer concert series has something for everyone, and the best part? Most of these events won't cost you a penny. From the soulful melodies of jazz to the foot-tapping beats of country and rock, here's your guide to the must-see summer concerts in Winston-Salem:

Concerts in the Park

Kickstarting the weekend with a melodic note, the Concerts in the Park series at Davie County Community Park offers a lineup that promises toe-tapping fun for all ages. Spread your blankets, grab your lawn chairs, and get ready to groove under the open sky. With acts like Diamond Rio and Little Texas, accompanied by talented local artists, your Saturdays just got a whole lot more melodious.

Music Under the Stars

Shallowford Square transforms into a stage under the stars every Saturday, offering a diverse mix of musical genres. From the smooth vibes of Camel City Yacht Club to the electrifying energy of Bourbon Revival Band, each performance promises an unforgettable experience. So, pack your picnic baskets, gather your loved ones, and let the music serenade you into the night.

Downtown Jazz

Jazz aficionados, rejoice! Corpening Plaza sets the stage for an evening of soulful tunes every Friday. From the sultry saxophone melodies of Jeff Kashiwa to the mesmerizing performances of Althea Rene, Downtown Jazz promises to enchant music lovers with its lineup of renowned jazz artists.

Summer on Fourth

The streets come alive with the sound of music during Summer on Fourth, held in front of Foothills Brewpub. Featuring a mix of local talents and acclaimed bands like The Phase Band and Souljam, this series promises a vibrant atmosphere and non-stop entertainment every Saturday.

Indoor Concert Series

For those seeking shelter from the summer heat, the Indoor Concert Series at Winston-Salem Fairgrounds Arena offers a cool retreat. With a lineup featuring artists like Jeffrey Osborne and Jo Dee Messina, these concerts promise an electrifying experience that will have you dancing all night long.

Coal Pit Live

Experience the eclectic sounds of Winston-Salem's music scene at The Coal Pit in Innovation Quarter. From bluegrass to rock, this series offers a diverse range of musical genres that will appeal to all tastes.

Salem Band Summer Concert Series

Celebrate the spirit of community at Salem Square with the Salem Band Summer Concert Series. From March Madness to Disco & Dance, each performance promises to capture the essence of summer with its themed repertoire.

Parks Concert Series

Escape to the tranquility of nature with the Parks Concert Series at Tanglewood Park and Triad Park. Featuring performances by the Piedmont Wind Symphony and The Queen Bees, these concerts offer a serene setting for an afternoon of musical bliss.

With such a diverse array of concerts to choose from, Winston-Salem's summer concert series promises to be a musical extravaganza like no other. So, mark your calendars, gather your friends and family, and get ready to make some unforgettable summer memories! For more information click here.

Summer Curb Appeal Tips

Wed, 05 Jun 2024 16:00:27 GMT

The Sharpe Mortgage Team brings you news this week summer home curb appeal, security systems, and using Google My Business for real estate.

Home Safety Checklist for Summer

Wed, 05 Jun 2024 15:43:26 GMT

The Sharpe Mortgage Team brings you news this week about summer home safety, electronic and smart locks, and free resources for creating professional-quality graphics for real estate.

Understanding Real Estate Commissions: What You Need to Know in 2024

molly@octostrategies.com (Molly Kerr) — Wed, 05 Jun 2024 15:24:47 GMT

Looking at real estate online is a guilty pleasure for those buying a home or dreaming about buying a home. In the past decade, how we search for homes has dramatically shifted, with websites like Zillow, Homes.com, and myriad others allowing curious people to tour homes from the comfort of their couches. With the recent news about real estate agents, home sellers and buyers might question the necessity of hiring Realtors and, more specifically, paying Realtor fees. Just how essential are these agents for successful real estate transactions?

A skilled agent proves to be quite valuable for buyers and sellers alike. For home buyers, working with a Realtor makes sense: Agents have access to information that might be beyond your reach, and it requires time and expertise to research properties, identify the best ones for you, and make a compelling offer. Sellers can also reap many benefits, particularly when setting the optimal asking price. Your property will still need staging, market listing, and showings. Here, we'll explore how real estate agent fees work and what you receive in return for the investment.

Before diving in, it's important to note that changes are coming fast. As a result of a legal battle recently settled by the National Association of Realtors (NAR) and several major brokerages, new rules will take effect in July 2024.

The NAR Lawsuit

In October 2023, a federal jury found that the National Association of Realtors (NAR) and several large brokerages had conspired to inflate Realtors' commissions. All brokerages settled out of court, and by March 15, 2024, NAR had done the same.

As a result, the traditional real estate commission model is being overhauled, where sellers typically cover the costs for both their own agent and the buyer’s agent, totaling 5 to 6 percent of the home’s sale price. Pending final court approval, as of July 2024, home sellers will no longer be required to pay the agent representing the buyer. This could lead to increased competition among buyer-side agents and more room for fee negotiation.

Current Realtor Commission Structure

Most Realtors work on commission rather than salary. Traditionally, the standard rate has been around 6 percent, divided equally between the buyer’s and seller’s agents. This figure has started to vary in recent times with the rise of discount brokers and online listings.

Today, real estate commissions are negotiable and typically hover near 5 percent of a home’s sale price. The exact terms of an agent’s commission can differ from transaction to transaction, often influenced by the region and the firm they represent.

Assuming a 5 percent total commission under the current model, here’s what you might expect to pay based on your home’s sale price:

|------------------:|--------------------------------:|--------------------------------:|----------------------:|

| $250,000 | $6,250 | $6,250 | $12,500 |

| $500,000 | $12,500 | $12,500 | $25,000 |

| $750,000 | $18,750 | $18,750 | $37,500 |

| $1,000,000 | $25,000 | $25,000 | $50,000 |

Seller vs. Buyer Commission

Sellers typically sign a listing agreement with a Realtor, agreeing to pay a commission fee upon transaction completion. In an "exclusive right to sell" agreement, the seller pays the cost even if they find the buyer independently.

Traditionally, home sellers have covered the commission fees for both the buying and selling agents using proceeds from the sale. Typically, each agent receives half—so a 6 percent commission splits into 3 percent for the seller’s agent and 3 percent for the buyer’s agent.

This arrangement will change once new rules come into effect this summer. It also changes in dual-agency scenarios, where one agent represents both the buyer and the seller. Laws regarding dual agency vary by state; some states do not permit it. In dual agency cases, particular attention should be paid to the home appraisal to ensure a fair price. While agents have a fiduciary duty to their clients, dual agencies can blur these lines.

Still, buyers working directly with a listing agent may have more room for negotiation, as sellers might agree to a lower selling price if the agent agrees to reduce their fee.

What Do Real Estate Agent Fees Cover?

You might wonder what services are included in the commission fee you pay to a real estate agent. One of the most significant benefits for buyers working with a Realtor is access to the Multiple Listing Service (MLS), which is essential for viewing and listing properties for sale. The agent’s fee compensates for their time spent assisting you through the buying process, including answering questions, finding properties, negotiating, and conducting tours.

For sellers, a Realtor’s fee covers a broad range of services, such as:

Creating marketing materials
Staging and showing the property
Coordinating open houses
Contacting agents of potential buyers

When an offer is made, the listing agent negotiates on behalf of the seller, often presenting counteroffers.

Listing a home involves several tasks, including:

Conducting a comparative market analysis to set a competitive price
Arranging photo shoots, sometimes with aerial drone shots
Writing compelling listing descriptions to attract interest
Providing staging advice
Showing the property multiple times to potential buyers
Hosting open houses, typically on weekends
Installing yard signage
Ensuring listings appear on all major property search websites
Assisting the seller in reviewing and negotiating buyer offers

Notably, a Realtor’s fee is typically not paid until the property sale is finalized.

Understanding real estate commissions is paramount for anyone entering the market, whether buying or selling a home. With significant changes coming in July 2024, staying well-informed will help you navigate these new waters more effectively. Stay tuned for more updates and insights into real estate commissions as we approach the implementation of these new rules. In the meantime, always work with a reputable and trustworthy Realtor who has your best interests at heart. Happy buying/selling!

Targeted Marketing for Real Estate Agents

Thu, 30 May 2024 15:50:08 GMT

The Sharpe Mortgage Team brings you news this week about sustainable gardening practices, APRs and mortgage interest rates, as well as video advertising strategies for real estate agents.

Need Help Moving? The Sharpe Mortgage Team Can Guide You!

Thu, 30 May 2024 15:42:25 GMT

Moving to a new home can be a very exciting experience! However, the thrill of finding the perfect house, the anticipation of settling into a new neighborhood, and the endless possibilities of a fresh start can quickly become overshadowed by the stress of securing a mortgage, navigating paperwork, and coordinating the logistics of the move. At The Sharpe Mortgage Team, we understand these challenges and are here to make your move in Winston-Salem and The Piedmont Triad as smooth and stress-free as possible.

Why Choose The Sharpe Mortgage Team?

Local Expertise and Community Focus

Our team is deeply rooted in the Winston-Salem and Piedmont Triad area. We understand the local real estate market, the neighborhoods, and the unique opportunities and challenges that come with moving to or within this region. Whether you're drawn to the historic charm of Old Salem, the bustling downtown of Greensboro, or the serene suburbs of High Point, we have the local expertise to guide you to the perfect home.

Expert Guidance Every Step of the Way

Our team of experienced professionals is dedicated to guiding you through every stage of the home-buying process. From the initial search for your dream home to the final signing of your mortgage agreement, we are here to offer expert advice, answer your questions, and provide the support you need. We believe that informed clients make the best decisions, which is why we prioritize clear communication and transparency in all our interactions.

Tailored Mortgage Solutions

No two homebuyers are the same, and neither are their mortgage needs. Whether you're a first-time buyer or looking to refinance your existing home, we offer a range of mortgage products to suit your specific situation. Our team works diligently to secure the best rates and terms for you, ensuring that your mortgage is not only affordable but also aligns with your long-term financial goals.

Stress-Free Moving Process

We know that moving involves more than just finding a home and securing a mortgage. It's about transitioning to a new phase of life with minimal hassle. That's why we go above and beyond to facilitate a seamless moving process. From recommending reliable moving services to providing tips on packing and settling in, The Sharpe Mortgage Team is committed to making your transition as smooth as possible.

Commitment to Customer Satisfaction

Our clients' satisfaction is our top priority. We pride ourselves on building lasting relationships and earning the trust of those we serve. Our reputation is built on a foundation of integrity, professionalism, and a genuine desire to help our clients achieve their homeownership dreams. When you choose The Sharpe Mortgage Team, you can rest assured that you are in capable and caring hands.

Turning Your Moving Dreams into Reality

At The Sharpe Mortgage Team, we believe that moving should be an exciting journey filled with possibilities, not a source of stress. Our goal is to turn your moving dreams into reality by providing the expertise, support, and personalized service you deserve. Whether you're just starting your home search or are ready to close the deal, we're here to help you every step of the way.

Ready to make your move? Contact The Sharpe Mortgage Team today and let us be your trusted guide on this exciting journey. Together, we can make your move smooth, stress-free, and successful.

Learning How To Better Sell My Real Estate Partners

Fri, 24 May 2024 14:00:01 GMT

It might seem strange to ask my real estate partners, “How do I sell you better?” But when it comes to advising my pre-approved borrowers on the right real estate agent to work with, I typically look at a personality or area specialist. I would love to have 3-5 speaking points about you that I can share with a buyer looking for the right agent. Answers to the below questions will help me find the perfect matches:

How long have you been in the business?
Why do you love the real estate industry?
What's your favorite way to communicate?
What kind of clients do you like working with?
What areas of NC or SC are you an expert in?
What else sets you apart?

By combining our strengths, we can create a seamless experience for homebuyers, ensuring they receive exceptional service at every step of their journey:

Enhanced Customer Experience : Our joint efforts will enable us to provide personalized guidance and support, helping homebuyers navigate the complexities of homebuying and mortgage financing.
Streamlined Processes : By working together, we can streamline the home buying process, making it easier and more efficient for our customers to achieve their dream of homeownership.
Mutual Growth : This partnership has the potential to expand our reach and enhance our reputations within the industry, positioning both our companies as leaders in customer care and satisfaction.

Let's schedule a meeting to invigorate our partnership. Please let me know a time that works for you, and I will be happy to accommodate you. You can also schedule with me here . Let’s kick off together what is certain to be a wonderful summer!

Starting A Home Vegetable Garden

molly@octostrategies.com (Molly Kerr) — Tue, 21 May 2024 19:14:41 GMT

The Sharpe Mortgage Team brings you news this week about planting a vegetable garden, home flooring options, and educational social media videos for real estate agents.

Creativity in Mortgage Lending: The Sharpe Mortgage Team’s Approach

Tue, 21 May 2024 18:21:36 GMT

When people think of mortgage lending, creativity might not be the first word that comes to mind. Yet, at The Sharpe Mortgage Team, creativity in lending is more than just a concept; it is our forte. Our approach goes beyond the traditional methods, focusing on a tailored experience that meets each client’s unique financial situation and goals.

Watering Techniques For Spring Gardening

Tue, 14 May 2024 16:56:09 GMT

The Sharpe Mortgage Team brings you news this week about watering techniques for healthy plants, choosing the right paint for your home, and client testimonials for real estate listings. Click below to read more about these topics.

The Sharpe Mortgage Team Hosts an NCHFA Happy Hour for Real Estate Agents

molly@octostrategies.com (Molly Kerr) — Tue, 14 May 2024 16:11:34 GMT

The Sharpe Mortgage Team was pleased to welcome Bill Hobbs from the NCHFA and Kelly Yale from Octo Strategies on May 7 who shared outstanding information about the market and marketing to our Triad real estate agents. Agents gathered at the event to network, learn how to help their homeowners, and build their summer pipelines.

Bill Hobbs spoke to the group about the North Carolina Housing Finance Agency (NCHFA). This self-supporting public agency is pivotal in providing financial assistance to homebuyers in NC. Established to create opportunities for affordable homeownership and rental housing, NCHFA promotes equitable access to safe and affordable housing. Through its various programs, the agency actively supports first-time and non-first-time homebuyers, making the dream of homeownership accessible to more North Carolinians.

NCHFA assists homebuyers through several innovative programs. One of the flagship offerings is the NC Home Advantage Mortgage™ , providing eligible homebuyers with competitive interest rates and down payment assistance of up to 5% of the loan amount. This assistance, which can significantly lower the barrier to entry for many buyers, is offered as a 0% interest, deferred-payment second mortgage, and in many instances, may be forgiven after 15 years of homeownership. Additionally, for first-time and military veteran buyers, the Agency offers the NC 1st Home Advantage Down Payment, providing up to $15,000 in down payment assistance.

The Agency’s efforts extend beyond individual buyers to the broader community through its support for affordable housing developments. By financing affordable rental housing and supporting rehabilitation efforts, NCHFA is critical in ensuring that North Carolina’s housing market is accessible to residents across the income spectrum.

NCHFA provides more than financial support. The agency offers home-buying education and counseling, helping prospective buyers understand their options and make informed decisions. By equipping individuals with the necessary knowledge and financial assistance, NCHFA empowers North Carolinians to achieve and sustain homeownership, contributing to the overall economic stability and vitality of communities across the state.

For prospective homebuyers in NC, exploring the offerings of the NCHFA can be the first step towards owning a home. Through its comprehensive support and resources, NCHFA makes homeownership more achievable and sustainable for many, fostering healthier, more inclusive communities.

Did you know that The Sharpe Mortgage Team is the #1 NCHFA loan team in North Carolina? We can help your homebuyers be successful using this program!

Using Video to Enhance Property Listings

Thu, 09 May 2024 20:12:04 GMT

The Sharpe Mortgage Team brings you news this week about raised bed gardening, real estate agents, and video marketing for real estate listings. Click below to read more about these topics.

Celebrating Mother's Day in Winston-Salem, NC

Tue, 07 May 2024 20:36:46 GMT

Mother's Day, a time to honor and cherish the incredible women who have shaped our lives, is fast approaching. If you're in Winston-Salem, North Carolina, you're in luck! Our amazing city offers so many activities, brunch options, and unique gift-buying opportunities to make this Mother's Day truly special.

Improving Your Home Security

Fri, 03 May 2024 17:30:06 GMT

The Sharpe Mortgage Team brings you news this week about determining if you have outgrown your current home, different loan types, and improving your home security.

Loan Programs to Fit Every Situation

Wed, 01 May 2024 16:28:27 GMT

Conventional

10-30 Year Fixed Rate
3/6, 5/6, 7/6 & 10/6 SOFR ARMS
Purchase & Refinance
3/2/1 ,2/1 or 1/0 Temporary Buydowns
Minimum Credit Score based on AUS Approval
No Credit Score Borrowers
HomeReady, Home Possible, & HomeStyle
ITIN Borrowers

FHA

15-30 Year Fixed Rate
5/1 CMT ARM
Purchase, No Cash Out, Streamline, Simple & Cash Out Refinance
3/2/1, 2/1 or 1/0 Temporary Buydowns
Minimum Credit Score 500 w/AUS Approval
No Credit Score Borrowers
Manual Underwriting
FHA 203k Renovation & 203H Disaster Program

15-30 Year Fixed Rate
5/1 CMT ARMS
Purchase, IRRRL and Cash Out Refinance
3/2/1, 2/1 or1/0 Temporary Buydowns
Minimum Credit Score 580 w/AUS Approval
No Credit Score Borrowers
Cash Out Refinance to 90% LTV
Max 60% DTI with AUS Approval
Manual Underwriting
VA Jumbo Loan Amounts Allowed

USDA

100% Financing with no Downpayment Required
Finance Closing Costs if Appraised Value is Sufficient
No First Time Homebuyer Requirements
Fixed Rate
Purchase, Streamline & Streamlined Assist Refinance
2/1 & 1/0 Temporary Buydowns
Minimum Credit Score 640
Manual Underwriting

Renovation/Construction

FHA 203k & FNMA HomeStyle Renovation (Loan Amounts based on Home Value after Improvements)
FNMA Single Close Construction
Licensed Contractor Manages the Work
All Products are In-House
Draws, Builder Review and entire Renovation/construction Process Managed by HRM Construction/Renovation Department
HRM Construction/Renovation Specialist Assists & Trains

Non-Conforming/Jumbo

Fixed & ARM Products
3/2/1, 2/1 & 1/0 Temporary buydowns
Minimum FICO 600
LTV up to 90%
Max DTI up to 50%
Manual UW & Agency AUS for Underwriting
Restricted Stock (RSU) & Asset Depletion Income
Correspondent Loan Products
Multiple Non-Conforming Products with Delegated UW

Doctor Program

5/6, 7/6 10/6 SOFR ARMs
Up to 97% LTV/CLTV
Minimum Credit Score 680
Max DTI up to 50%
Purchase & Rate Term Refinance
SFR 1-Unit Properties, Modular & Warrantable Condos
Allows First Time Homebuyers
Qualifying Occupations: Medical Doctor, Physician Assistant, Registered Nurse, Medical Resident, etc.

Non-QM

Non-Warrantable Condo/Condotels
Fixed & ARM Interest Only
DSCR Investor/DSCR with Temporary Buydowns
Asset Utilization/Asset Depletion
12/24 Month Bank Statement Income
1099 & P & L Income
ITIN Borrowers & Foreign National
Short Term Rental Income
Shorter Seasoning for Serious Derogatory Credit

Additional Product Offerings

HUD REO $100 Downpayment
FHA Good Neighbor Next Door
Community Lending Program w/no Income Limitations
Singlewide & Multi-Wide Manufactured Housing
Family Opportunity (Buying for Disabled Child or Parent)
HUD 184 Program
Investor Paid MI Programs
Rate Drop Pledge Option
Broker Products: Mixed Use, Co-Ops, Graduated Payment, DSCR 5-8 Units, 2 ^nd Liens, Vacant Land, ITIN, Hobby Farms, Written VOE Income Only, Unique Homes, No Ratio & More

100% LTV & DPA Assistance

USDA
VA Financing
Bond/Housing—NC, SC, TN & Multiple Other States
HomeReady Very Low-Income Credit $2500
Chenoa FHA with 3.5% or 5% DPA Assistance
Conventional, VA, USDA & FHA w/Gift Funds
Local Community DPA Assistance Programs (City of Greensboro, City of High Point & More)

Tips to Attract Homebuyers

Mon, 22 Apr 2024 18:12:14 GMT

The Sharpe Mortgage Team brings you news this week about knowing when the best time is to sell your home, understanding bank statement loans, and decluttering your home for spring. Click below to read more about these topics.

Good News in the NAR Settlement

Mon, 22 Apr 2024 14:07:22 GMT

Fannie Mae and Freddie Mac sent out a notice to lenders this week that if the Seller chooses to pay for the Buyer's Agent's representation (commission), those costs will NOT count against the interested party contribution limits. It's business as usual.

Spring Gardening Checklist

Tue, 16 Apr 2024 19:47:34 GMT

Every week, The Sharpe Mortgage Team strives to deliver useful insights to our customers and our business partners. This week, we share news about essentials needed for moving into a new home, understanding mortgages, and the ultimate schedule for spring landscaping.

Student Loans and Buying Your First Home: What You Need to Know

Tue, 16 Apr 2024 19:39:16 GMT

Are you overwhelmed about buying your first home because of your student loan debt? Don't worry - you're not alone. Many people face this challenge, but with the right knowledge and planning, you can still achieve your dream of homeownership. Here's what you need to know to navigate the process and land that first house.

Spring Container Gardens

Fri, 12 Apr 2024 18:00:53 GMT

Every week, The Sharpe Mortgage Team strives to deliver useful insights to our customers and our business partners. This week, we share news about the most popular affordable metros nationwide, closing disclosures, and planting spring container gardens.

Spring Open House Success

Thu, 04 Apr 2024 21:10:43 GMT

Spring will bring more open houses, and it's paramount to make the most of these opportunities to showcase the property, your brand, and your personality! While homes are selling fast, participating in open houses is an excellent way to make connections and collaborate with local businesses!

Home Sales Tips for Spring

Thu, 04 Apr 2024 21:06:17 GMT

Every week, The Sharpe Mortgage Team strives to deliver useful insights to our customers and our business partners. This week, we share news about homebuying trends, tips for selling your home, and tips for preparing your home for warmer weather.

Greensboro Named Among Nation’s Top Affordable Metros

Tue, 02 Apr 2024 21:18:29 GMT

In today’s complex housing market, many homebuyers seek refuge away from costly cities. Redfin released a list of metros with median sale prices below $300,000, which showed destinations like San Antonio, Cincinnati, and our very own Greensboro emerging as prime choices for those aiming to settle without breaking the bank.

Closing Day Surprises to Avoid

Fri, 29 Mar 2024 17:53:51 GMT

Every week, The Sharpe Mortgage Team strives to deliver useful insights to our customers and our business partners. This week, we share news about closing day surprises to avoid, debt structuring for self-employed borrowers, and spring cleaning your home’s exterior. Click below to read more about these topics.

We Are a Team in Our Response to the NAR Settlement"

molly@octostrategies.com (Molly Kerr) — Fri, 22 Mar 2024 18:13:16 GMT

This week, our industries discussed significant changes from the National Association of Realtors (NAR). The next couple of months might feel uncertain, but I want you to know we're in this together. I am always going to support you.

Home Upgrades to Increase Sales

Fri, 22 Mar 2024 18:04:46 GMT

Each week The Sharpe Mortgage Team aims to provide valuable information about homebuying, homeownership, and more to our customers and business partners. This week, we’ve prepared some articles about knowing when to make home updates, purchasing a home as a self-employed borrower, and cleaning up your outdoor living space for spring.

Decluttering Your Home for Spring

Fri, 15 Mar 2024 17:53:52 GMT

Celebrate Spring by Visiting These Gardens in The Triad

Tue, 12 Mar 2024 19:36:51 GMT

Spring is the perfect time to explore the natural beauty of Winston-Salem's public gardens! From historic estates to quaint botanical sanctuaries, let’s explore these four gardens that offer a haven for nature enthusiasts, garden lovers, and those seeking a tranquil escape from the bustle of daily life.

Collaborating for Spring

Fri, 08 Mar 2024 21:49:08 GMT

The Sharpe Mortgage Team brings you news this week about selling your home before the spring rush, working with a CPA for home purchases, and creating a spring-cleaning checklist for your house.

Selling Before the Spring Rush

Fri, 08 Mar 2024 20:56:31 GMT

The Sharpe Mortgage Team brings you news this week about selling your home before the spring rush, working with a CPA for home purchases, and creating a spring-cleaning checklist for your house.

The Sharpe Mortgage Team at Sugar Mamas Shopping Experience

Tue, 05 Mar 2024 20:18:30 GMT

Get ready for the "Sugar Mamas Shopping Experience" this weekend March 9th at WinMock at Kinderton ! Much more than an all-day shopping-spree, it's a celebration of womanhood, empowerment, and indulgence. Among the variety of activities lined up for attendees, the event will also feature a special presentation by The Sharpe Mortgage Team, focusing on key topics for first-time homebuyers and information about home renovations.

An Unforgettable Day of Self-Celebration

The "Sugar Mamas Shopping Experience" is designed as a haven for women to indulge in self-care, pampering, and shopping. Held at WinMock at Kinderton, eventgoers will be treated to the following:

Vendor Pop-Ups: Explore offerings from fashion and jewelry to art and beyond from local vendors.
Spa Services: Sign up for treatments such as botox and facials.
Culinary Delights: Savor treats and refreshing drinks while mingling with fellow attendees.
Fashion Show: Immerse yourself in the latest trends and styles with a captivating fashion showcase.
Live Music: Enjoy live musical performances, adding an extra layer of vibrancy to the event.
Photo Ops: Capture precious moments and create lasting memories against picturesque backdrops.
And More: With surprises around every corner, the "Sugar Mamas Shopping Experience" will be an unforgettable day of celebration.

The Sharpe Mortgage Team: Your Guide to Homeownership

Amidst the excitement and festivities, participants will have the opportunity to gain invaluable insights about homeownership and renovation from The Sharpe Mortgage Team. As trusted experts in the field, The Sharpe Mortgage Team will address first-time homebuyer hot topics and offer practical advice on navigating the homebuying process with confidence. Additionally, they will share valuable tips and strategies for renovating your home, turning dreams into reality.

Join the Celebration

The "Sugar Mamas Shopping Experience" invites women from all walks of life to come together in celebration of self-love, empowerment, and community. Whether you're in search of the perfect outfit, craving a moment of relaxation, or eager to learn about homeownership and renovation, this event promises something for everyone.

Get your tickets here and mark your calendars for March 9th and prepare for a day of excitement, inspiration, and connection at WinMock at Kinderton. Don't miss out on this inclusive celebration where every woman can shine brightly and embrace her power.

Event Details:

Date: March 9, 2024

Location: WinMock at Kinderton

Ticket Options : General Admission (Free) or VIP Admission ($30)

Parking: Free parking available onsite

Come join us for a day dedicated to you—unapologetically, extravagantly, and joyfully. Let's make memories together at the "Sugar Mamas Shopping Experience!"

How Realtors Can Attract and Engage Ideal Customers

Wed, 21 Feb 2024 15:57:53 GMT

In our current market, staying ahead means more than just knowing the market trends – it's about becoming the go-to resource for your clients, both current and prospective. And in 2024, It's all about showing up on social media with content that's as valuable as it is engaging. Here are some ways to make it happen.

TikTok Home Trends Reviewed

Wed, 21 Feb 2024 15:47:52 GMT

The Sharpe Mortgage Team brings you news this week about the top cities in the U.S. for first-time homebuyers, the importance of final walk-throughs, and TikTok home trends. Click below to read more about these topics.

Don’t Make These Mistakes When Purchasing A New Construction Home

Wed, 14 Feb 2024 20:14:30 GMT

This week, The Sharpe Mortgage Team brings you news about housing markets with the largest price fluctuations last year, making sure you are ready to purchase a home, and avoiding mistakes when building a new construction home. Click below to read more about these topics.

Realtors Show Client Love

Fri, 09 Feb 2024 20:29:23 GMT

It’s the time of year when the world seems red and pink and there are reminders everywhere you look that Valentine’s Day is right around the corner. Have you been thinking of some ways in which you can show past and prospective clients some love next week? Here are a few.

Tips to Buy a Home This Year

Thu, 08 Feb 2024 17:18:03 GMT

This week, The Sharpe Mortgage Team brings you news about the top states where Americans moved to in 2023, preparing your home to sell, and purchasing a home in 2024. Click below to read more about these topics.

Valentine’s Day Events in Winston-Salem, NC

Sat, 03 Feb 2024 16:28:19 GMT

As Valentine's Day approaches, love and excitement fill the air in Winston-Salem and its neighboring areas. Whether you're celebrating with your significant other, friends, or embracing your single status, there's something for everyone in the heart of North Carolina. Explore these delightful events that promise to make your Valentine's season memorable.

Secrets for Staging Homes to Sell

Sat, 03 Feb 2024 16:22:21 GMT

This week, The Sharpe Mortgage Team brings you news about home staging secrets, title insurance, and purchasing a vacation home. Click below to read more about these topics.

Realtors Can Always Count On The Sharpe Mortgage Team

Fri, 02 Feb 2024 20:21:11 GMT

Feeling pulled in many directions? Let The Sharpe Mortgage Team lighten your load and prepare you for the busy spring market ahead. Through collaboration with us, you can count on us to understand your customer’s unique situations and provide personalized advice to help them make confident and informed decisions when selecting a suitable loan program for their family's needs.

February Events in Winston-Salem

Wed, 31 Jan 2024 22:55:49 GMT

As February unfolds, Winston-Salem, NC, gears up for a month filled with exciting events and activities. Whether you're a local looking for something new or a visitor eager to explore the city's vibrant culture, this guide will help you navigate through the best events happening in Winston-Salem this February. Click below for some calendars of exciting events happening throughout the month

Helping Real Estate Agents Plan For The Spring Market

Fri, 26 Jan 2024 16:14:49 GMT

As someone deeply passionate about helping clients achieve their homeownership dreams, a strong partnership between real estate agents and mortgage professionals is the key to delivering an exceptional experience. Together, we can seamlessly guide homebuyers through the process, ensuring they find a house they can truly call home.

How To Take Better Real Estate Listing Photos

Thu, 25 Jan 2024 19:04:28 GMT

This week, The Sharpe Mortgage Team brings you news about taking great real estate photos, bathroom lighting and mortgage pre-approvals and pre-qualifications. Click below to read more about these topics.

Home Design Trends for the New Year

Wed, 17 Jan 2024 20:27:48 GMT

This week, The Sharpe Mortgage Team brings you news about heated bathroom flooring, selecting the best kitchen flooring, and home design trends for 2024. Click below to read more about these topics.

Home Property Values and Resolutions

Thu, 11 Jan 2024 20:21:44 GMT

This week, The Sharpe Mortgage Team brings you news about the items that could tarnish property values, home resolutions for the new year, and the potential to refinance in 2024. Click below to read more about these topics.

Local Events and Festivals: What's Happening in Winston-Salem this January?

Wed, 03 Jan 2024 15:03:07 GMT

As we welcome the new year, Winston-Salem is buzzing with exciting events and festivals to kickstart 2024 on a vibrant note. Here's a curated list of must-attend happenings in the area this January, ensuring there's something for everyone in our thriving community.

Pantone Color of the Year and Yearly Home Maintenance

Wed, 03 Jan 2024 14:50:59 GMT

This week, The Sharpe Mortgage Team brings you news about the 2024 Pantone Color of the Year, credit score resolutions for the new year, and creating a yearly home maintenance checklist. Click below to read more about these topics.

Holiday Entertaining Tips and Top Cities for Retirees

Thu, 14 Dec 2023 19:08:58 GMT

This week, The Sharpe Mortgage Team brings you news about the top cities for retirees in 2024, preparing your furnace winter, and holiday entertaining tips. Click below to read more about these topics.

Boost Your Home Value in the New Year

Thu, 14 Dec 2023 19:05:00 GMT

This week, The Sharpe Mortgage Team brings you news about how to market homes during the holidays, insulating windows and doors for winter, and cheery holiday lighting ideas for your home. Click below to read more about these topics.

2024 Housing Market Forecast and Holiday Fire Safety

Thu, 14 Dec 2023 18:54:00 GMT

This week, The Sharpe Mortgage Team brings you news about the 2024 housing market forecast, winterizing home irrigation systems, and holiday fire safety. Click below to read more about these topics.

Festive Holiday Lighting and Marketing Homes During the Holiday Season

Wed, 06 Dec 2023 22:25:43 GMT

This week, The Sharpe Mortgage Team brings you news about how to market homes in the holidays, insulating windows and doors for winter, and cheery holiday lighting ideas for your home. Click below to read more about these topics.

Selling in The Current Housing Market

Thu, 30 Nov 2023 19:28:19 GMT

This week, The Sharpe Mortgage Team brings you news about selling in the current housing market, calculating property taxes, and preparing for guests with holiday cleaning tips. Click below to read more about these topics.

Holiday Lights in Winston-Salem: Where to Find the Best Displays

Thu, 30 Nov 2023 19:18:23 GMT

'Tis the season to be merry and bright, and what better way to embrace the festive spirit than by exploring the dazzling holiday lights in Winston-Salem!

Preparing Your Table for Thanksgiving

Fri, 17 Nov 2023 14:53:16 GMT

This week The Sharpe Mortgage Team brings you news about spec homes, variances in credit scores, and decorating ideas for Thanksgiving table decor. Click below to read more about these topics.

Winston-Salem’s 2023 Holiday Parade

Thu, 16 Nov 2023 21:31:51 GMT

The holiday season is just around the corner, and Winston-Salem, North Carolina, is gearing up for a spectacular celebration! On December 2, the Winston-Salem Ambassadors, a dedicated non-profit organization, will be hosting the Winston-Salem Holiday Parade, promising a day filled with festive cheer and community spirit.

The Sharpe Mortgage Team is Thankful For You!

Thu, 16 Nov 2023 21:27:06 GMT

As we gather around the Thanksgiving table this year, our hearts are full of gratefulness, and we reflect on the meaningful relationships that have enriched our journey.

The Art of Gratitude in Relationship Building

Thu, 09 Nov 2023 17:42:06 GMT

Tis the season to be thankful, and this week The Sharpe Mortgage Team brings you news about expressing gratitude to your clients, reasons to purchase a pre-existing home, and hosting a stress-free Thanksgiving. Click below to read more about these topics.

Protecting Your Home and Seating A Crowd At the Holidays

Thu, 02 Nov 2023 17:01:02 GMT

Happy November! The Sharpe Mortgage Team brings you news this week about reasons to protect your home with a security system and seating a large number of guests during the holidays. Click below to learn more about these topics.

Thanksgiving Traditions in the Triad: A Local Guide

Wed, 01 Nov 2023 16:54:53 GMT

Thanksgiving, a time for gratitude, family, and cherished traditions, holds a special place in the hearts of those living in the Triad. This vibrant region in North Carolina is known for its rich cultural heritage, warm community spirit, and, of course, its cherished Thanksgiving traditions. In this local guide, we'll explore some of the beloved customs that make Thanksgiving in the Triad truly special.

Spooky and Secure: Home Security Tips for Halloween in the Triad

Mon, 30 Oct 2023 20:39:12 GMT

Halloween is a thrilling time in the Triad with neighborhoods transformed into eerie wonderlands of creativity and fun. The spooky decorations, costumes, and the promise of candy make it a beloved holiday for kids and adults alike.

Disclosures Demystified: Realtor's Guide to Uncovering Hidden Gems and Haunted Houses

Mon, 30 Oct 2023 20:31:19 GMT

The Sharpe Mortgage Team brings you news this week about real estate disclosures, USDA home loans, and jumbo loans. Click below to learn more about these topics:

Halloween Events in Winston-Salem and the Triad

Tue, 17 Oct 2023 13:33:57 GMT

Halloween is almost here! Winston-Salem and the surrounding towns in the Triad are gearing up for a spooktacular season filled with thrilling events for all ages. From family-friendly activities to hair-raising haunts, there's something for everyone to enjoy this Halloween.

Buyers Have An Advantage in the Current Housing Market

Tue, 17 Oct 2023 13:25:04 GMT

The Sharpe Mortgage Team brings you news this week about the advantage buyers have in the current housing market, FHA loans, and making your home a festive and spooky stop for trick-or-treaters. Click below to learn more about these topics:

Home Sweet (Haunted) Home: Tales of Historic Homes in Winston-Salem

Wed, 11 Oct 2023 17:24:28 GMT

Winston-Salem, North Carolina, is a city steeped in history, and many of its historic homes hold secrets and stories that have been passed down through generations.

Helping Real Estate Agents Market for Fall

Wed, 11 Oct 2023 17:18:10 GMT

The Sharpe Mortgage Team brings you news this week about autumn marketing ideas for real estate agents, conventional home loans, and keeping your home and visitors safe on Halloween.

Exploring Autumn Home Price Trends Nationwide

Wed, 04 Oct 2023 13:15:08 GMT

The Sharpe Mortgage Team brings you news this week about autumn home price trends, adjustable-rate mortgages, and home decorating trends for fall.

Winston-Salem's Best Pumpkin Patches and Apple Orchards

Wed, 04 Oct 2023 13:06:26 GMT

As the leaves start to change and a cool breeze sweeps through Winston-Salem, it's time to embrace the quintessential flavors and festivities of fall.

Top Leaf Peeping Spots Near Winston-Salem

Wed, 27 Sep 2023 22:07:05 GMT

As summer's warmth gracefully yields to the cool embrace of fall, nature in and around Winston-Salem transforms into a breathtaking masterpiece of colors.

Preparing Your Home For Sale and Moving Tips

Wed, 27 Sep 2023 21:43:11 GMT

The Sharpe Mortgage Team brings you news this week about smart and affordable ways to prepare your home for listing, ways to make moving simple, and tips for fall gardening.

Exploring Fall Hiking Trails in the Winston-Salem Area

Tue, 19 Sep 2023 14:31:38 GMT

As the heat of summer gradually gives way to the cool and crisp embrace of autumn, there's no better time to lace up your hiking boots and explore the natural beauty that surrounds Winston-Salem.

Fall Container Gardens and Important Home Purchase Factors

Tue, 19 Sep 2023 14:23:45 GMT

The Sharpe Mortgage Team brings you news this week about property lines, down payments, and fall container gardens.

Fall Flavors of the Triad: Local Produce and Farmers Markets

Thu, 14 Sep 2023 20:36:47 GMT

The Triad region of North Carolina is a place where autumn ushers in a delightful array of flavors, thanks to its vibrant farmers markets.

Autumn Market Updates and Garden Prep

Thu, 14 Sep 2023 20:33:30 GMT

The Sharpe Mortgage Team is excited to bring you news this week about housing market updates, budgeting tips, and ideas for preparing your garden for next spring.

Fall Festivals in the Winston-Salem and Triad

Fri, 08 Sep 2023 14:06:19 GMT

Autumn in the Carolinas is near and there is no shortage of festivals and events to enjoy the season in Winston-Salem and the surrounding Triad areas.

Autumn Housing Market Predictions

Fri, 08 Sep 2023 13:57:56 GMT

The Sharpe Mortgage Team is excited to bring you news this week about predictions for the fall housing market, budgeting apps to help you save, and preparing your home for the fall season.

Staging Tips and Outdoor Home Maintenance

Fri, 01 Sep 2023 14:49:10 GMT

The Sharpe Mortgage Team is excited to bring you news this week about staging tips for small spaces, installing a pet door in your home, and outdoor home maintenance.

Labor Day Events in the Triad

Fri, 01 Sep 2023 14:42:18 GMT

As summer begins to fade, Labor Day is upon us and the three-day weekend ahead bursts with events celebrating summer's end and the near arrival of autumn.

Creating a Pet-Friendly Haven in the Triad

Wed, 23 Aug 2023 18:58:22 GMT

Home isn't just a place; it's where our hearts find solace, and that sentiment extends to our beloved four-legged companions. Throughout the Triad, embracing a pet-friendly lifestyle is not only feasible but also strongly encouraged.

Late Summer Home Cleaning and New Construction Homes

Wed, 23 Aug 2023 18:41:51 GMT

The Sharpe Mortgage Team is excited to bring you news this week about lowering the cost of new construction homes, understanding the role of a mortgage underwriter, and late summer home cleaning tips.

New Construction Incentives and Summer Pest Control

Thu, 17 Aug 2023 13:51:20 GMT

The Sharpe Mortgage Team brings you news this week about builder incentives offered on new construction homes, apps to calculate commute times, and keeping away pesky summer pests.

Engage and Give Back: Volunteering Opportunities in Winston-Salem

Thu, 17 Aug 2023 13:44:09 GMT

Winston-Salem is a city that thrives on community spirit and active engagement. One of the most impactful ways to be a part of this vibrant environment is through volunteering.

Prepare to Purchase with This Pre-Closing Checklist

Thu, 10 Aug 2023 18:44:07 GMT

The Sharpe Mortgage Team brings you news this week about negotiating home repairs after inspections, a pre-closing checklist, and how to keep pests away from your home.

FHA Approved Condos and Credit Tips for Future Homebuyers

Wed, 02 Aug 2023 18:53:55 GMT

The Sharpe Mortgage Team brings you news this week about FHA-approved condos, credit tips for first-time homebuyers, and how to prevent termites in your home. Click below to learn more about these topics.

Day Trips from Winston-Salem: Exploring Nearby Destinations

Wed, 02 Aug 2023 18:46:05 GMT

If you're a resident of Winston-Salem and seeking new adventures beyond the city's boundaries, you're in for a treat! The Piedmont Triad region is nestled amidst picturesque landscapes and charming towns, offering an array of delightful day trip options.

New Construction Surges and Solar Panel Benefits

Mon, 31 Jul 2023 18:21:43 GMT

The Sharpe Mortgage Team brings you news this week about assumable mortgages, new construction surges, factors to consider in a home offer, and exploring solar panels to save on your monthly energy bill. Click below to learn more about these topics:

Why Winston-Salem is a Prime Location for Investment Property

molly@octostrategies.com (Molly Kerr) — Mon, 31 Jul 2023 18:17:45 GMT

Are you considering investing in real estate? If so, Winston-Salem, North Carolina, should be at the top of your list. Here are some reasons that Winston-Salem has become a hot spot for investment property opportunities.

Assumable Mortgages and Summer Storm Prep

Fri, 21 Jul 2023 15:52:31 GMT

The Sharpe Mortgage Team brings you news this week about assumable mortgages, purchasing a home in another state, and preparing your home for summer storms and emergencies. Click below to learn more about these topics.

Late Summer Home Maintenance Tips Winston-Salem Homeowners

Fri, 21 Jul 2023 15:48:57 GMT

As we head into late summer, we all need to make sure our homes are well-prepared for the season. With occasional heavy rain and the hurricane season around the corner, let's take a look at some important home maintenance tasks specifically tailored for our area.

Private Transfer Fees and Summer Home Maintenance

Wed, 12 Jul 2023 20:57:16 GMT

The Sharpe Mortgage Team is bringing you news this week about private transfer fees, home purchases, and summer home maintenance. Click below to learn more about these topics.

Summer Events and Festivals in Winston-Salem and Surrounding Areas

Wed, 12 Jul 2023 16:45:24 GMT

Summertime in Winston-Salem is a season of vibrant energy and exciting events. From lively festivals celebrating music, art, and culture to outdoor concerts and family-friendly gatherings, there's something for everyone to enjoy. Below, we'll highlight a few of the must-attend summer events and festivals in and around Winston-Salem.

Market Predictions and Maximizing Energy Efficiency

Fri, 07 Jul 2023 17:05:19 GMT

The Sharpe Mortgage Team is bringing you news this week about 2023 market predictions, preventing wire fraud, and maximizing energy efficiency in your home.

Summer Activities for the Whole Family in Winston-Salem and the Triad

molly@octostrategies.com (Molly Kerr) — Thu, 06 Jul 2023 20:04:56 GMT

Summer is a time for families to come together, create lasting memories, and embark on exciting adventures. Luckily, Winston-Salem and the surrounding areas of the Triad offer a plethora of activities that cater to all ages and interests. Let’s uncover some of the top summer activities that will keep the whole family entertained and engaged this season.

Understanding Rent-Back Agreements and Maximizing Your Patio Space

Fri, 30 Jun 2023 14:09:10 GMT

The Sharpe Mortgage Team is bringing you news this week about rent-back agreements and how they can help homebuyers, listing agents, and making the most of small patio space. Click below to learn more about these topics.

Creating a Relaxing Outdoor Oasis in Your North Carolina Home

Tue, 27 Jun 2023 17:22:34 GMT

North Carolina's breathtaking landscapes and pleasant climate make it an outdoor enthusiast's paradise. Whether you live in bustling cities or the serene countryside, maximizing your outdoor living space allows you to embrace fully the beauty of this great state.

Top Reasons to Consider Homeownership in Winston-Salem and the Triad

Thu, 22 Jun 2023 18:12:27 GMT

Nestled in the heart of North Carolina, Winston-Salem and the Triad region offer a captivating blend of vibrant culture, natural beauty, and a thriving economy. Whether you're a first-time homebuyer or looking to relocate, exploring the advantages of homeownership in this area is a wise decision. Let’s delve into the top reasons why Winston-Salem and the Triad are an ideal place to call home.

Appraisal Solutions and Summer Shade Tips

Thu, 22 Jun 2023 17:54:48 GMT

The Sharpe Mortgage Team is bringing you news this week about hybrid appraisals and their ability to balance cost efficiency and homebuyer protection, appraisal gaps, and shade solutions for outdoor patios that will help combat the Carolina heat.

Green Spaces and Outdoor Recreation: Exploring Nature in the NC Triad

Mon, 12 Jun 2023 18:50:37 GMT

Nestled within the picturesque landscapes of North Carolina, the Triad region offers a wealth of natural beauty and outdoor recreational opportunities. From sprawling parks and tranquil gardens to scenic trails and majestic mountains, the Triad is a paradise for nature lovers. We invite you to go on a journey through the region’s green spaces and explore the diverse array of outdoor adventures that await you in the Triad.

North Carolina's Emerging Real Estate Markets: Spring 2023

Fri, 02 Jun 2023 17:53:43 GMT

This week The Sharpe Mortgage Team shared information about emerging NC real estate markets for 2023, understanding paying points on your mortgage, and how to spruce up your curb appeal by painting your front door. Click below to learn more about these topics.

Exploring Beach Towns Near the NC Triad

Fri, 02 Jun 2023 17:50:51 GMT

As the summer season approaches, many residents of the NC Triad area find themselves yearning for a coastal escape. Luckily, North Carolina is blessed with a stunning coastline that offers a plethora of beach towns perfect for a relaxing getaway. From pristine sandy shores to charming coastal communities, let's embark on a journey to explore the beach towns near the NC Triad and discover the coastal getaways that await.

Triad City Records Double-Digit Year-Over-Year Home Price Increase

Tue, 30 May 2023 13:00:00 GMT

Burlington, North Carolina has emerged as one of the top ten metro areas with the largest year-over-year price gains

The Best Cities in the U.S. for Home Sellers

Thu, 25 May 2023 13:00:03 GMT

This week we shared information on the best cities in the U.S. for home sellers, pre-approval letters for first-time hombuyers, and mosquito-repelling plants.

Relocation Business on the Rise in the Triad

Tue, 23 May 2023 13:11:21 GMT

NC Triad Realtors are reporting that a significant portion of their business comes from out-of-town newcomers and "boomerang" buyers.

What Can Buyers Do About a Low Home Appraisal

Thu, 18 May 2023 13:00:01 GMT

This week we shared information on what buyers can do about a low home appraisal, simple backsplashes to update your kitchen, and planting a vegetable garden.

Hottest Housing Markets in the Winston-Salem Metro Area

Tue, 16 May 2023 13:00:00 GMT

Using Redfin's Compete Score, which assesses the competitiveness of housing markets based on various factors, The Sharpe Mortgage Team ranked Winston-Salem metro cities on a scale of 0 to 100, where 100 is the most competitive.

Nationwide Home Price Trends

Thu, 11 May 2023 14:06:38 GMT

This week we shared information on nationwide home price trends, repainting vinyl shutters, and planting an herb garden.

Zillow Expects Home Price Gains in Winston-Salem

Tue, 09 May 2023 13:00:01 GMT

Zillow economists now expect U.S. home values to rise 1.7% between March 2023 and March 2024.

Home Sales Tips for Your Winston-Salem Home

Thu, 04 May 2023 20:35:05 GMT

This week we shared information on home sales, the role of loan processors, and raised bed gardening.

Single-family Construction Targets Micro Counties

Thu, 27 Apr 2023 14:22:02 GMT

This week we shared information on U.S. housing market, easy credit score resolutions, and spring lawn care.

Wine Tasting in Winston-Salem: A Guide to Yadkin Valley Wines

Mon, 24 Apr 2023 15:22:04 GMT

The Yadkin Valley near Winston-Salem is a treasure trove of great wines, and these five vineyards are just a few of the many you'll find in the area.

US Cities Booming With New Home Construction

Fri, 21 Apr 2023 17:49:21 GMT

This week we shared information on U.S. cities booming with new home constructions, what "Equal Housing Lender" means, and the ultimate schedule for a beautiful landscaping.

Winston-Salem's Hidden Gems: Exploring the City's Best-Kept Secrets

Mon, 17 Apr 2023 15:37:50 GMT

From waterfalls and historic cemeteries to picturesque vineyards and stately estates, Winston-Salem offers a wealth of interesting places to explore.

Understanding “Broom Clean” in Real Estate Contracts

Thu, 13 Apr 2023 19:18:42 GMT

This week we shared information on "broom clean" in real estate contracts, increasing your home's energy efficiency, and planting the perfect spring container garden.

Sports and Recreation in Winston-Salem: A Guide to Local Activities

Tue, 11 Apr 2023 13:00:01 GMT

Whether you’re a sports enthusiast or simply looking for a fun way to stay active, Winston-Salem has plenty to offer. From world-class sports facilities to beautiful outdoor recreational areas, this city is a hub for sports and recreation.

A New Solution for Appraisal Gaps

Thu, 06 Apr 2023 19:21:26 GMT

This week we shared information on appraisal gaps, tips for a greener home, and preparing your home for warmer weather.

A Weekend Getaway in Winston-Salem: The Perfect Itinerary

Tue, 04 Apr 2023 14:47:29 GMT

This weekend itinerary will give you a taste of what Winston-Salem has to offer. Enjoy your trip!

Avoid These Bedroom Staging Mistakes

Thu, 30 Mar 2023 17:33:48 GMT

This week we shared information on avoiding bedroom staging mistakes, what you can expect from my team during the homebuying process, and spring cleaning your outdoor living space.

History Comes Alive in Winston-Salem: Visiting Old Salem Museums & Gardens

Tue, 28 Mar 2023 14:12:05 GMT

Looking for a place where history comes alive? Come explore Old Salem Museums & Gardens in Winston-Salem! This living history museum showcases the Moravian settlement of Salem, which was founded in 1766 and is one of the best-preserved colonial towns in the United States.

Affordable Improvements to Help Your Winston-Salem Home Sell

Thu, 23 Mar 2023 13:45:17 GMT

This week we shared information on affordable home improvements to help homes sell, five reasons to get pre-approved, and spring cleaning the exterior of your home.

Winston-Salem's Culinary Scene: A Guide to the Best Restaurants

Tue, 21 Mar 2023 13:00:10 GMT

The culinary scene in Winston-Salem is diverse, with a range of restaurants that offer everything from classic Southern dishes to innovative international cuisine. We have compiled five of the best restaurants in Winston-Salem, so that you can experience the city's culinary delights for yourself.

Join Us For A Homebuying Social!

Fri, 17 Mar 2023 20:25:34 GMT

T he Sharpe Mortgage Team and Galliher Home Team with Keller Williams are hosting a Homebuying Social where we will answer all of your questions about purchasing a home! Topics covered will be:

The homebuying process
How to become qualified
Financing options
Investment opportunities
Market stats
Inspection information
The closing process
Q & A

All attendees will receive snacks and two drink tickets!

We can't wait to see you! RSVP here .

Kitchen Staging Mistakes to Avoid in Your Winston-Salem Home

Thu, 16 Mar 2023 15:04:09 GMT

This week we shared information on kitchen staging mistakes to avoid, home search tips for first-time homebuyers, and how to create a spring cleaning checklist for your home.

The Best Hiking Trails in and Around Winston-Salem

Wed, 15 Mar 2023 14:48:35 GMT

With its scenic landscape and diverse terrain, Winston-Salem and its surrounding areas boast a variety of hiking trails, ranging from easy strolls to challenging hikes that take you to stunning vistas. Here are some of the best hiking trails in and around the Twin City!

Tips for Homebuyers and Sellers in 2023

Thu, 09 Mar 2023 19:51:55 GMT

This week we shared information on homebuying and home selling in 2023, making homebuying easy, and washing windows inside and out.

10 Essential Spring Cleaning Tips for Your Piedmont Triad Home

Thu, 02 Mar 2023 15:04:51 GMT

This week we shared information on spring cleaning for a sparkling home, down payment for first-time homebuyers, and installing a ceiling fan.

10 Must-See Attractions in Winston-Salem, NC

Tue, 28 Feb 2023 13:45:00 GMT

Winston-Salem has it all! From dozens of restaurants and breweries to museums and local crafts and museums, the Twin City has plenty of attractions to keep you busy. Here are 10 must-see attractions in Winston-Salem if you are new to town!

Instagram for Home Sellers and Cheap Bathroom Updates

Fri, 24 Feb 2023 20:42:57 GMT

This week we shared information on using Instagram to sell a home, paying down debt, and budget-friendly bathroom updates.

Big News! How the FHA's Reduction in Annual Mortgage Insurance Premiums Can Help Homebuyers Save Money

Wed, 22 Feb 2023 22:03:41 GMT

If you're a prospective homebuyer looking to take out an FHA-insured mortgage, you might be in luck. The Biden-Harris Administration has announced a 30basis point reduction to the annual mortgage insurance premiums (MIP) charged to homebuyers who obtain an FHA-insured mortgage. This means that the annual MIP for most homebuyers will be reduced from 0.85 percent to 0.55 percent, potentially saving American families an estimated $678 million by the end of 2023 alone.

Plans Revealed for Downtown Winston-Salem Oliver Park Property

Tue, 21 Feb 2023 13:45:00 GMT

The Peter Oliver Pavilion Gallery is set to open in Winston Salem, NC on the historic Oliver farm – a four-acre plot of land that Peter Oliver, a talented Black potter who lived in the Moravian community at Old Salem, rented from the church beginning 1802.

Best Real Estate Markets for First-Time Homebuyers and Moving Tips

Wed, 15 Feb 2023 19:41:12 GMT

This week we shared information on best real estate markets for first-time homebuyers, moving, and cost-effective kitchen updates.

Visit Hanging Rock State Park Near Winston-Salem, NC

Tue, 14 Feb 2023 15:02:45 GMT

Hanging Rock State Park is a real treat! This beautiful park is located in the Sauratown Mountains - known for its stunning natural rock formations and panoramic views.

Winston-Salem Weekly Digest: 2023 Home Design Trends and Home Pricing

Fri, 10 Feb 2023 18:12:44 GMT

This week we shared information on current home pricing, space-saving storage solutions, and 2023 home design trends.

Best Parks and Playgrounds for Kids in Winston-Salem

Wed, 08 Feb 2023 16:02:48 GMT

Winston-Salem is a family-friendly city with numerous parks and playgrounds to enjoy. These are some of the best parks and playgrounds for kids in Winston-Salem!

Buying a House in Winston-Salem

ben@octostrategies.com (Ben Thornburg) — Tue, 31 Jan 2023 21:52:14 GMT

Buying a house in Winston-Salem, North Carolina is a significant and exciting investment. These are the steps you can follow to make the process as smooth as possible!

Almost 50% of Winston-Salem Homeowners Deemed Equity-Rich

ben@octostrategies.com (Ben Thornburg) — Tue, 24 Jan 2023 20:06:05 GMT

Nearly half of Winston-Salem residents were considered equity-rich, according to Attom’s Q3 2022 U.S. Home Equity & Underwater Report.

Best Dog Parks in Winston-Salem

ben@octostrategies.com (Ben Thornburg) — Thu, 19 Jan 2023 15:20:08 GMT

If you live in the Winston-Salem area, you’re in luck. The Twin City has no shortage of dog parks!

Winston-Salem Among Country’s Hottest Markets for Home Flipping

ben@octostrategies.com (Ben Thornburg) — Tue, 17 Jan 2023 21:04:46 GMT

Metro Winston-Salem was of the country’s hottest markets for home flipping during the third quarter of 2022, according to ATTOM’s 2022 U.S. Home Flipping Report.

NC Cities Listed as 2022’s Best Real Estate Markets

ben@octostrategies.com (Ben Thornburg) — Wed, 16 Nov 2022 15:01:57 GMT

North Carolina cities are among the best in the country in which to purchase a home, according to a recent WalletHub report.

Host a Stress-Free Thanksgiving and More!

ben@octostrategies.com (Ben Thornburg) — Thu, 10 Nov 2022 15:22:29 GMT

This week we shared information on preparing your home for hosting Thanksgiving, winterizing your home irrigation system, and hosting a stress-free Thanksgiving.

Piedmont Triad Housing Market Still Going Strong

ben@octostrategies.com (Ben Thornburg) — Wed, 09 Nov 2022 18:23:02 GMT

The Piedmont Triad housing market is still humming along despite a slowdown in some parts of the country.

Understanding Property Title Searches and More!

ben@octostrategies.com (Ben Thornburg) — Thu, 03 Nov 2022 15:45:07 GMT

This week we shared information on property title searches, preparing your home for an inspection, and seating a crowd at the holidays.

Check out “Shop The Block” This Weekend in Downtown Winston-Salem

ben@octostrategies.com (Ben Thornburg) — Tue, 01 Nov 2022 15:02:15 GMT

Shop the Block is an opportunity for the Winston-Salem community to shop local and support locally owned businesses in the downtown area.

NEO Realtor Rockstar Event Was a Success

ben@octostrategies.com (Ben Thornburg) — Tue, 25 Oct 2022 13:00:03 GMT

Some 75 real estate agents gathered to network and to learn about The Sharpe Mortgage Team’s transition to NEO Home Loans.

Home Price Increase Slows and More!

ben@octostrategies.com (Ben Thornburg) — Thu, 20 Oct 2022 14:09:15 GMT

This week we shared information on the housing market, changing your home air filters, and 2022's hottest fall decorating ideas.

NCHFA Names Winston-Salem Loan Officer Number One in NC

ben@octostrategies.com (Ben Thornburg) — Tue, 18 Oct 2022 13:50:06 GMT

Ashley McKenzie-Sharpe has been named Top Loan Officer for 2022 by the NC Housing Finance Agency.

Understanding Rent-Back Agreements and More!

ben@octostrategies.com (Ben Thornburg) — Thu, 13 Oct 2022 18:25:43 GMT

This week we shared information on understanding rent-back agreements, boosting the value of your home, and making your home a spooky stop this Halloween.

The Winston Cup Museum & Special Event Center

ben@octostrategies.com (Ben Thornburg) — Tue, 11 Oct 2022 14:30:42 GMT

The Winston Cup Museum has more than 20 authentic race cars on display and special, rotating exhibits - a must-see for all NASCAR fans.

Five Outdoor Fall Decorating Ideas and More!

ben@octostrategies.com (Ben Thornburg) — Thu, 06 Oct 2022 13:00:05 GMT

This week we shared information on passing a home inspection, adding curb appeal with a mailbox makeover, and outdoor fall decoration.

Don’t Miss the Carolina Classic Fair

ben@octostrategies.com (Ben Thornburg) — Tue, 04 Oct 2022 13:00:00 GMT

The Carolina Classic Fair—North Carolina’s second-largest agricultural fair— runs from September 30 through October 9, 2022 and has a fresh theme this year: Ridin’ Rockin’ Livestockin.

Understanding Real Estate Contingencies and More!

ben@octostrategies.com (Ben Thornburg) — Thu, 29 Sep 2022 14:09:58 GMT

This week we shared information on real estate contingencies, saving for a downpayment, and best plants for fall container gardens.

Take a Stroll Through Historic Bethabara Park in Winston-Salem

ben@octostrategies.com (Ben Thornburg) — Tue, 27 Sep 2022 13:00:01 GMT

The mission of Historic Bethabara Park, Inc. is the documentation, preservation, interpretation, promotion, and public celebration of Winston-Salem’s 18th century birthplace.

Quitclaim Deeds Explained and More!

ben@octostrategies.com (Ben Thornburg) — Thu, 22 Sep 2022 14:31:06 GMT

This week we shared information on quitclaim deeds, lending ABCs, and preparing your home for fall.

Visit the Southeastern Center for Contemporary Art in Winston-Salem

ben@octostrategies.com (Ben Thornburg) — Tue, 20 Sep 2022 14:36:26 GMT

Located in Winston-Salem, NC, SECCA is an international laboratory to involve audiences in the art, craft and design of our time.

Fall Gardening Tips and More!

ben@octostrategies.com (Ben Thornburg) — Thu, 15 Sep 2022 14:54:31 GMT

This week we shared information on home appraisal, lending ABCs, and fall gardening.

Get Outdoors! Have You Visited Winston-Salem’s Salem Lake Trail?

ben@octostrategies.com (Ben Thornburg) — Tue, 13 Sep 2022 14:49:45 GMT

Planning Next Spring’s Garden and More!

ben@octostrategies.com (Ben Thornburg) — Thu, 08 Sep 2022 17:30:22 GMT

This week we shared information on real estate market trends, lending ABCs, and planning next spring's garden during autumn.

Kaleideum Downtown Is a Great Family Activity

ben@octostrategies.com (Ben Thornburg) — Tue, 06 Sep 2022 14:55:49 GMT

Kaleideum Downtown in Winston-Salem is an interactive museum of arts, sciences, and exploration formed by the merger of The Children’s Museum of Winston-Salem and SciWorks.

What Is an Escalation Clause and More!

ben@octostrategies.com (Ben Thornburg) — Thu, 01 Sep 2022 18:03:44 GMT

This week we shared information on the role of a home appraiser, positive home equity, and what is an escalation clause.

Visit The Reynolda House Museum of American Art in Winston-Salem

ben@octostrategies.com (Ben Thornburg) — Tue, 30 Aug 2022 15:02:52 GMT

The Reynolda House Museum of American Art displays a premiere collection of American art ranging from the colonial period to the present.

Tips for Selling a Condo in Winston-Salem and More!

ben@octostrategies.com (Ben Thornburg) — Thu, 25 Aug 2022 13:55:42 GMT

This week we shared information on outdoor home maintenance, biweekly mortgage payments, and selling a condo.

Visit The Old Salem Museum and Gardens in Winston-Salem

ben@octostrategies.com (Ben Thornburg) — Tue, 23 Aug 2022 13:00:09 GMT

Old Salem Museums and Gardens is open year-round except for January each year.

Late Summer Home Cleaning Tips and More!

ben@octostrategies.com (Ben Thornburg) — Thu, 18 Aug 2022 14:03:04 GMT

This week we shared information on late summer home cleaning, packing for your next move, and understanding HOA before purchasing a home.

5 Best Parks in Winston-Salem

ben@octostrategies.com (Ben Thornburg) — Tue, 16 Aug 2022 15:17:45 GMT

Whether you are taking your children to the playground, exercising, or relaxing outdoors in nature, Winston-Salem offers something for everyone! These are the best five parks in the Twin City!

Quick Facts That Determine Your Credit and More in Winston-Salem!

ben@octostrategies.com (Ben Thornburg) — Thu, 11 Aug 2022 14:56:57 GMT

This week we shared information on how to keep snakes away, quick facts that determine your credit, and what to negotiate when buying a home.

This Is Where Homes Sell Fastest in the Winston-Salem Area

ben@octostrategies.com (Ben Thornburg) — Tue, 09 Aug 2022 19:56:28 GMT

Stacker compiled a list of cities where homes are closing the fastest using data from Redfin.

Freddie Mac will Include On Time Rent in Underwriting and More!

ben@octostrategies.com (Ben Thornburg) — Thu, 04 Aug 2022 14:19:20 GMT

This week we shared information on termites and how to prevent them, homeowners insurance, and Freddie Mac's new policy.

The Sharpe Mortgage Team Has Joined Neo Home Loans

ben@octostrategies.com (Ben Thornburg) — Mon, 01 Aug 2022 16:17:48 GMT

We are beyond thrilled to share with you that we have found a new company called NEO, which approaches lending by putting the financial health of the customer first and creating relationships that are far deeper than just a transaction.

Visual Tricks of Home Staging For Your Winston-Salem Home and More!

ben@octostrategies.com (Ben Thornburg) — Thu, 28 Jul 2022 14:50:23 GMT

This week we shared information on home renovation mistakes, visual tricks of home staging, and hiring a renovation contractor.

Winston-Salem Among 5 Cool Places to Buy a Home Under $200K

ben@octostrategies.com (Ben Thornburg) — Tue, 26 Jul 2022 14:15:21 GMT

MarketWatch recently found a number of cool towns and cities where you can still find plenty of homes for less than $200K.

Listing Photo Secrets for Your Winston-Salem Home and More!

ben@octostrategies.com (Ben Thornburg) — Thu, 21 Jul 2022 14:02:49 GMT

This week we shared information on home renovation myths, escrow accounts, and listing photo secrets.

Hot Home Design Trends and More!

ben@octostrategies.com (Ben Thornburg) — Thu, 14 Jul 2022 13:47:34 GMT

This week we shared information on home renovations with maximum ROI, what to look for in a home, and hot home design trends for summer 2022.

Selling A Home In The Carolinas? Here's How To Clean It First

ben@octostrategies.com (Ben Thornburg) — Tue, 12 Jul 2022 20:40:08 GMT

Are you selling your home in Winston-Salem? How dirty you leave your home could cause problems with the sale. Here are some tips to clean your house after selling!

Winston-Salem Real Estate News

ben@octostrategies.com (Ben Thornburg) — Thu, 07 Jul 2022 14:06:15 GMT

This week we shared information on home renovations, option periods, and housing markets where buyers can gain an edge.

How Long Does It Take to Sell a Home in Winston-Salem?

ben@octostrategies.com (Ben Thornburg) — Tue, 05 Jul 2022 14:33:17 GMT

Check out this timeline to help you set your expectations and plan accordingly!

Outdoor Entertaining Space in Winston Salem

ben@octostrategies.com (Ben Thornburg) — Fri, 24 Jun 2022 21:38:39 GMT

The Sharpe Mortgage Team is committed to providing you each week with helpful information on topics such as the local market, home trends, homebuying tips, and more. This week we shared information on creating an outdoor entertaining space, how to lower your homeowners’ insurance rate, and the best time to sell your home. Read more on these topics below.

Selling a Home in Winston Salem, North Carolina

ben@octostrategies.com (Ben Thornburg) — Fri, 24 Jun 2022 21:34:02 GMT

The real estate market is hot! We continue to be in a “seller’s market” with increasing prices and low inventory. If you were considering selling your home — now is the time! Here are some tips on how to make your home market-ready!

Is Winston Salem on the List for America's Top Places to Live?

molly@octostrategies.com (Molly Kerr) — Fri, 17 Jun 2022 18:31:28 GMT

The Sharpe Mortgage Team is committed to providing you each week with helpful information on topics such as the local market, home trends, homebuying tips, and more. This week we shared information on summer outdoor living trends, mortgage inquiries, and the best places to live in America. Read more on these topics below.

Winston-Salem Is Top-Ranked Place to Retire

ben@octostrategies.com (Ben Thornburg) — Tue, 14 Jun 2022 21:12:56 GMT

Winston-Salem has been catapulted over the years to the top of national lists of best places to retire. More recently, its reputation as a retirement haven received a boost from Forbes Magazine and Smart Asset.

Zillow Cuts Home Price Growth Forecast- Winston Salem Home News

ben@octostrategies.com (Ben Thornburg) — Thu, 26 May 2022 14:06:55 GMT

This week we shared information on mosquito-repelling plants, understanding loan documentation, and the latest real estate market news.

Winston Salem Real Estate Market News

ben@octostrategies.com (Ben Thornburg) — Thu, 19 May 2022 17:16:06 GMT

This week we shared information on raised bed gardening, home appraisal basics, and the latest real estate market news.

3-D Printed Homes and More!

ben@octostrategies.com (Ben Thornburg) — Thu, 12 May 2022 12:15:09 GMT

This week we shared information on vertical gardens, letters of explanation, and 3-d printed homes.

Understanding Home Appraisal, Escrow Accounts in Winston Salem

ben@octostrategies.com (Ben Thornburg) — Thu, 05 May 2022 16:20:05 GMT

This week we shared information on planting a vegetable garden, understanding escrow accounts, and home appraisal.

What’s it like to be a first-time homebuyer in the Triad?

ben@octostrategies.com (Ben Thornburg) — Tue, 26 Apr 2022 14:51:09 GMT

WXII 12 News asked homebuyer Emma Marsh of Winston-Salem and her real estate agent Jason Bragg about the challenges of buying a first home in today's market.

Winston-Salem Home Price Growth Slows Down in February

ben@octostrategies.com (Ben Thornburg) — Mon, 18 Apr 2022 15:13:42 GMT

Existing home price growth in Winston-Salem has slowed down for the third consecutive month in February 2022.

Greensboro Construction Value Highest in a Decade

ben@octostrategies.com (Ben Thornburg) — Tue, 12 Apr 2022 18:35:47 GMT

The value of construction in 2021 was the highest in a decade, with $817 million in construction approved via building permits, according to the city’s annual Growth and Development Trends report.

Instagram for Real Estate Agents in Winston Salem

ben@octostrategies.com (Ben Thornburg) — Thu, 07 Apr 2022 13:00:07 GMT

This week we shared information on preparing your home for warmer weather, adjustable-rate mortgages, and how to use Instagram for business. Read more on these topics below.

Physician Mortgage Loans in Winston Salem

ben@octostrategies.com (Ben Thornburg) — Tue, 05 Apr 2022 13:00:04 GMT

Physician Loans are special home loan options for new and established doctors. If you are a medical doctor with an MD, DO, DDS, DVMM, or DMD purchasing a primary residence, you might qualify.

Homeownership Myths Debunked and More!

ben@octostrategies.com (Ben Thornburg) — Thu, 24 Mar 2022 14:20:32 GMT

This week we shared information on how to clean your oven, the role of a mortgage underwriter, and homeownership myths.

Boom Supersonic Selects Piedmont Triad for First Supersonic Airliner Manufacturing Facility

ben@octostrategies.com (Ben Thornburg) — Tue, 22 Mar 2022 13:15:03 GMT

Boom Supersonic announced it had selected the Piedmont Triad International Airport in Greensboro, North Carolina as the site of its first full-scale manufacturing facility.

Winston-Salem Sees Increase in Home Improvement Loan Value

ben@octostrategies.com (Ben Thornburg) — Tue, 15 Mar 2022 16:34:53 GMT

To see the full list, click here .

If you’re interested in purchasing a home or refinancing your current home in Winston-Salem or the surrounding areas, give us a call ! We can discuss your financial goals and discuss a loan program that might be right for you.

How Do Winston-Salem Home Values Compare to Other NC Cities?

ben@octostrategies.com (Ben Thornburg) — Tue, 08 Mar 2022 16:18:13 GMT

To find out how Winston-Salem stacks up against other NC cities, we looked at data from Zillow Home Value Index (ZHVI) for all homes in January 2022.

Piedmont Triad City Among Cheapest to Live with Best Weather

ben@octostrategies.com (Ben Thornburg) — Tue, 01 Mar 2022 18:18:22 GMT

Greensboro has recently been named among the 15 cheapest U.S. cities to live that also boast great weather.

Home Resolutions for 2022 and More

ben@octostrategies.com (Ben Thornburg) — Thu, 24 Feb 2022 14:00:05 GMT

This week we shared information on flooring options to update your home, flood insurance, and home resolutions for 2022.

Which Major NC City Saw Largest Increase in Home Prices?

ben@octostrategies.com (Ben Thornburg) — Tue, 22 Feb 2022 14:35:28 GMT

The real estate market has been red-hot across the entire nation. But which major North Carolina city saw the biggest change in median home prices?

Choosing the Right Home Paint and More

Wed, 09 Feb 2022 20:57:10 GMT

This week we shared information on choosing the right home paint, loan types, and other news.

Winston-Salem Named One of Top Markets for Millennials

ben@octostrategies.com (Ben Thornburg) — Tue, 08 Feb 2022 19:10:56 GMT

In an analysis of the largest 100 MSA, Winston-Salem, NC was named among the top 10 housing markets for millennials.

2022 Pantone Color Of The Year And More

ben@octostrategies.com (Ben Thornburg) — Thu, 03 Feb 2022 18:13:43 GMT

The Sharpe Mortgage Team is committed to providing you each week with helpful information on topics such as the local market, home trends, homebuying tips, and more. This week we shared information on the 2022 Pantone Color of the Year, homebuying, and other news. Read more on these topics below.

Pantone Names Color Of The Year 2022

For over 20 years, Pantone’s Color of the Year has had a great influence on product development and purchasing decisions in numerous industries from design and fashion to home furnishing. A group of experts at the Pantone Color Institute carefully select The Pantone Color of the Year based on influencing factors such as the entertainment industry, films in production, new lifestyles, and new technologies. Click to find out the 2022 color of the year!

Are You Ready To Buy A Home?

Purchasing a home is one of the largest financial decisions you may make in your lifetime. While there are many benefits to home ownership, it is not something you want to jump into until you are sure that you are ready. Here are a few questions to ask yourself to determine if you are ready to buy a home!

40% Of Americans Are Planning To Move In 2022

Americans are on the move! According to a recent article by National Mortgage Professional, 40% of Americans are considering a move in 2022. Learn more about this survey!

Is there anything that The Sharpe Mortgage Team can do for you this week? If you’re interested in purchasing a home or refinancing your current home in Winston Salem or the surrounding areas, give us a call ! We can discuss your financial goals and discuss a loan program that might be right for you.

Here’s Why People Are Flocking To Winston-Salem

ben@octostrategies.com (Ben Thornburg) — Tue, 01 Feb 2022 18:10:09 GMT

With home price gains slowing down after years of double-digit growth and the looming prospect of rising interest rates, now is the best time to purchase a home. But these aren’t the only reasons to relocate and buy a property in the Winston-Salem area. The Twin City has attracted folks from all over the country due to its dynamic economic, booming job market, affordability, and excellent quality of life.

Following are more detailed facts about what makes Winston-Salem a great place to live:

Economy And Job Market

In 2021 alone, $296 million was invested in economic expansions and relocations, helping employment in Winston-Salem to grow higher than average among peer metros. According to the Q4 2021 report from WinstonSalem.com , 505 new jobs were added over the last year, creating an employment growth rate of 3.5%.

Affordability

One of the most appealing aspects about living in Winston-Salem is the bang people get for their buck. The median home sale price in Winston-Salem is lower than the national median sale price. According to the latest Zillow report on housing costs, the median sale price as of December 2021 for the U.S. was $372,967, while in Winston-Salem it was $321,273 for the same period.

Quality Of Life

The city is a great fit for outdoors enthusiasts as it is located between the Blue Ridge Mountains and the Atlantic Ocean. It has also been named one of the top retirement locations in the U.S. numerous times. In addition to its temperate climate, families are drawn to the Twin City because of its above-average school system.

Top Real Estate Markets in 2022- Winston Salem News

ben@octostrategies.com (Ben Thornburg) — Thu, 27 Jan 2022 18:05:34 GMT

The Sharpe Mortgage Team is committed to providing you each week with helpful information on topics such as the local market, home trends, homebuying tips, and more. This week we shared information on the top real estate markets for 2022, the importance of a final walk-through, and the difference between APR and mortgage interest rate. Read more on these topics below.

The Top Real Estate Markets For 2022

Realtor.com created a list of the top housing markets for 2022 whose ranking is based on the combined yearly percentage growth in both home sales and prices expected in 2022 among the top 100 largest markets in the country. Find out which metro areas made the top of the list!

The Importance Of A Final Walk-Through

A successful real estate transaction is based upon taking the appropriate steps to make sure that the property you are buying is a good value and structurally sound. You will want to schedule a final walk-through of the home to confirm the condition of the home is the same (or better) as it was on the day that the offer to purchase was signed. Ask yourself these questions during your walk-through!

How Is APR Different From The Mortgage Interest Rate?

When shopping for a mortgage, it’s easy to become overwhelmed by the many numbers involved in the transaction. Two numbers that measure important costs within your loan are the APR and the mortgage interest rate. Here is what these terms mean!

What Is The Role Of A Buyer’s Agent?

ben@octostrategies.com (Ben Thornburg) — Tue, 25 Jan 2022 18:03:24 GMT

When purchasing a home, it is in the buyer’s best interest to have their own real estate agent – known as a “buyer’s agent.” A buyer’s agent serves as an advisor and advocate for the homebuyer during the entire homebuying process.

A good buyer’s agent will take the time to understand the buyer’s needs in a home and the area in which the buyer hopes to live – as well as give insight into the neighborhoods that may be a good match. Then, based on these criteria, they will not only consider physical home features, but also factors such as potential school districts, properties with lower county taxes, and work commutes. Next, they will research the suitable areas and sort through active listings to make suggestions to the buyer.

During the offer and closing process, the buyer’s agent will handle all aspects of the negotiation process. They will also provide oversight for any inspections needed as well as counsel buyers on how to handle property repairs. Lastly, they will be present at the closing to make sure all of the buyer’s interests are protected.

When you are ready to buy a home, I would love to recommend a buyer’ s agent who I think would be a great fit for you if you are not currently working with someone. The great part about the way we do business is that we know the best agents in Winston-Salem and surrounding areas who take care of people like we do. Give us a call today!

Top 10 Housing Market Hidden Gems And More!

ben@octostrategies.com (Ben Thornburg) — Thu, 20 Jan 2022 18:00:55 GMT

The Sharpe Mortgage Team is committed to providing you each week with helpful information on topics such as the local market, home trends, homebuying tips, and more. This week we shared information on housing market hidden gems, credit score resolutions, and electronic and smart locks. Read more on these topics below.

Affordable Housing Markets That Remain Hidden Gems

Recently, the National Association of Realtors conducted a report of the 2022 Housing Market Hidden Gems, which reveals the top ten undervalued metro area housing markets in the U.S. Read on to see which cities have topped the list!

Credit Score Resolutions for The New Year

The new year is the perfect time for resolutions in all aspects of life. Many people start out making fitness goals, monetary goals, personal goals, among others. Here are some ways to improve your credit score in the coming months.

Electronic And Smart Locks For Your Home

Gone are the days of locking your keys in the house or forgetting to lock the door when you leave. Electronic and ‘smart’ locks provide the option of a keyless entry to and exit of your home and often allow remote smartphone access to the lock. Learn more about smart locks!

What Is The Role Of A Listing Agent?

ben@octostrategies.com (Ben Thornburg) — Tue, 18 Jan 2022 17:59:10 GMT

The sale of a house is a very important financial transaction, which is why savvy sellers opt to hire a listing agent. But why does having a listing agent make such a difference? Listing agents are real estate agents who work contractually with the seller to market, sell, and negotiate the sale of their home.

A great listing agent will assist the seller in appropriately pricing the property. Their objective is to help the seller secure the biggest possible sale in the shortest time possible with the least amount of inconvenience. Listing agents will be knowledgeable about accurate and competitive pricing and will suggest a listing price range based on recent market data, current economic conditions, and the condition and location of the home. In addition, listing agents will arrange showings and provide the seller with feedback from prospective buyers.

The listing agent will give the seller advice on repairs, staging, and home upgrades — all with the goal of attracting potential buyers. Listing agents will also present the property to a larger pool of buyers by marketing the home on their agency’s website, social media pages, and various national real estate listing websites.

A listing agent is the key to a successful home sale. During the closing process, they will present and negotiate offers on the seller’s behalf. They also act as a liaison with the buyer and buyer’s agent so the seller is not directly involved with either party.

When you are ready to sell a home, The Sharpe Mortgage Team would love to recommend a listing agent who we think would be a great fit for you! The best part about the way we do business is that we know amazing agents who take care of people the same way we do.

If you’re interested in a referral or purchasing a home in Winston-Salem or the surrounding areas, give us a call !

2022 Winston Salem Housing Market Predictions

ben@octostrategies.com (Ben Thornburg) — Thu, 13 Jan 2022 17:57:34 GMT

The Sharpe Mortgage Team is committed to providing you each week with helpful information on topics such as the local market, home trends, homebuying tips, and more. This week we shared information on the latest trends in consumer behavior, hiring the right home purchase team, and 2022 housing market predictions. Read more on these topics below.

First-Time Homebuyers Are Willing To Pay More

According to a recent study by Realtor.com, first-time homebuyers are tiring of bidding wars and ready to pay more to become homeowners. Learn more!

Hire The Right Home Purchase Team

Is purchasing a home one of your resolutions for this year? Whether you are buying your first home or your fifth, the experience can be overwhelming. Having the right team behind you can make all the difference to ensure your home purchase goes smoothly. Here are the people you will need on your team.

2022 Housing Market Predictions

After a busy 2021 housing market, experts are revealing what we should expect to see in 2022. Here are a few predictions.

What Does A Mortgage Loan Processor Do?

ben@octostrategies.com (Ben Thornburg) — Tue, 11 Jan 2022 17:44:52 GMT

While your mortgage loan is underway, you may find yourself talking to a mortgage loan processor, as they are an integral part of our team working behind the scenes for you. A great loan processor can make the difference in your loan being approved or declined by how they present your loan package to the underwriter.

A processor’s knowledge and expertise are critical because understanding loan guidelines is the key to the loan being approved in an efficient manner. The loan processor prepares your loan “file” for presentation to the loan underwriter. Processors work to confirm that all proper documentation is included and that all numbers are calculated correctly. They are also responsible for meticulously checking every detail, such as debt-to-income ratio, employment, history and much more.

Once the loan is approved, the processor will receive a list of prior-to-close document conditions that must be met before the closing documents are released. The processor also coordinates with the closing department to ensure that everyone is on the same page with closing dates and other details.

Our loan processors are the backbone of our business, and we are grateful to have them on our team. Knowing that our clients are being well served by our processors makes everyone more confident in the loan process and makes lending far less stressful.

Tips To Improve Home Security And More

ben@octostrategies.com (Ben Thornburg) — Thu, 06 Jan 2022 17:43:25 GMT

The Sharpe Mortgage Team is committed to providing you each week with helpful information on topics such as the local market, home trends, homebuying tips, and more. This week we shared information on the benefits of home security systems, outgrowing your current home, and improving home security. Read more on these topics below.

Benefits Of Home Security Systems

Did you know only 38% of Americans own a home security device? While there is generally an upfront and sometimes monthly cost associated with home security systems, some financial benefits also come with them. Here are some of the advantages of arming your home with a security system.

Have You Outgrown Your Current Home ?

As your life changes and your family grows, so do your needs in a home. Whether children are growing up and moving out or elderly family members are moving in, you may find yourself needing more space or different features than you currently have. Here are some ways to determine if you may have outgrown your current home.

Tips To Improve Home Security

Protecting one’s home, family, and belongings is a primary concern for most homeowners. However, installing a fancy alarm system can sometimes be costly. How can you increase the security of your home without breaking the bank? Here are some simple tips.

What Does A Mortgage Underwriter Do?

ben@octostrategies.com (Ben Thornburg) — Tue, 04 Jan 2022 17:41:34 GMT

As a mortgage application moves through the process of approval, it leaves the hands of the processor and moves on to the desk of the underwriter. The underwriter acts as a gatekeeper in the loan approval process. When purchasing a home, the loan cannot close or be funded without the approval of an underwriter.

Mortgage loan approval is contingent upon several factors, such as your credit history and perceived risk. It is the job of the underwriter to make sure all of these factors meet the particular loan guidelines. In addition, the underwriter makes sure all the tax, title, insurance, credit and asset, and closing documentation is in place. The underwriter has final responsibility for the loan and gives it final approval. If the loan is denied, it can often be appealed, but the facts must be in place to support any change of an underwriter’s decision.

Improve Your Winston-Salem Home Security

ben@octostrategies.com (Ben Thornburg) — Tue, 28 Dec 2021 17:39:18 GMT

Did you know only 38% of Americans own a home security device? According to a survey conducted by Safety.com, the most popular types of home security devices are video cameras and doorbells followed by a professionally monitored security system. However, home functionality is beginning to change thanks to a new wave of smart home systems such as Amazon’s Alexa, Google Home, and Nest. While there is generally an upfront and sometimes monthly cost associated with home security systems, some financial benefits also come with them. Here are some of the advantages of arming your home with a security system:

Protect your home, family, and valuables – The most obvious benefit of a home alarm system is protecting your home from intruders. Many professionals say intruders are less likely to enter your home if an alarm system is present.
Remote access – With most modern home security systems, you can have remote access to your home through a mobile app. This gives you the ability to check in through the camera while offering other features such as locking doors and windows and turning lights on and off.
Lower homeowners insurance – While your home security system may come with a monthly fee, it has the potential to lower your homeowners insurance rate.
Fire and carbon monoxide notifications – Many home security systems provide a notification if your smoke or carbon monoxide alarms are triggered. Some systems also notify authorities when this happens.
Energy bill management – If your security system allows you to manage your home thermostat and electrical outlets, it could be saving you money on your energy bill. If you need to adjust the heat or turn off an electrical appliance, you can do so remotely. Additionally, many systems allow you to program your thermostat for energy management.

For more benefits of home security systems, click here . To view a list of some excellent home security systems, click here .

If you’re interested in purchasing a home or refinancing your current home in Winston Salem or the surrounding areas, give us a call ! We can discuss your financial goals and discuss a loan program that might be right for you.

Happy Holidays!

ben@octostrategies.com (Ben Thornburg) — Thu, 23 Dec 2021 17:30:55 GMT

The Sharpe Mortgage Team wishes our valued clients and partners happy holidays!

If there’s anything we can do for you, do not hesitate to reach out and let us know.

Paying Points On Your Winston-Salem Home Mortgage

ben@octostrategies.com (Ben Thornburg) — Tue, 21 Dec 2021 17:29:16 GMT

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When considering a home purchase, your mortgage planner will take the time to review your goals and financial situation and suggest the best loan program for your needs. One of the things that may be suggested is paying “points” on your mortgage. Simply put, mortgage points are pre-paid interest. In most situations, if you choose to pay points on your mortgage loan, there will be a higher upfront closing cost but a lower interest rate. A “point” is usually equal to 1% of the loan amount and will lower your interest rate by .025%-0.5%.

If you plan on staying in your house and carrying your mortgage for an extended period, paying points may be a good option. The easiest way to determine if you should consider paying points is to look at the amount of interest and the combined closing costs of your mortgage over time. Ask yourself if you can afford to pay upfront for the points now; if you can, it might be worthwhile to consider.

Due to the increased upfront payment, the reduced interest rate will save you money over time. The longer you carry your mortgage, the more likely you are to reach the “break-even” point where your interest saved compensates for the cash you paid outright to buy the points.

Wrapping The Perfect Gift And More

ben@octostrategies.com (Ben Thornburg) — Thu, 16 Dec 2021 17:27:05 GMT

The Sharpe Mortgage Team is committed to providing you each week with helpful information on topics such as the local market, home trends, homebuying tips, and more. This week we shared information on wrapping the perfect gift, the importance of real estate agents, and what sellers should consider in an offer. Read more on these topics below.

Wrap The Perfect Gift

Say goodbye to gift-wrapping chaos this giving season! Instead, follow these simple steps to wrap the perfect gift.

Real Estate Agents Are Key To Selling Your Home

The ability to sell a home quickly and at the right price comes from a combination of market knowledge, outstanding marketing, sage advice, and finding the perfect buyer. Luckily, a solid real estate agent will help you easily navigate the process and provide you with sound guidance along the way. Here are some ways you can benefit from hiring a Realtor.

What Should A Seller Consider In An Offer?

In today’s housing market, many sellers find themselves in situations in which they are deciding between multiple offers for their home. There are, however, several things that should be considered in addition to the amount of money being offered for the home. Here are a few.

Most Expensive Homes Recently Sold In Winston-Salem

ben@octostrategies.com (Ben Thornburg) — Tue, 14 Dec 2021 17:25:07 GMT

The housing market has boomed amid the pandemic as low inventory has led homebuyers to desperately bid up the prices of available homes. Yet, historically low interest rates continue to make homeownership an attractive investment.

While new construction together with the phase-out of the mortgage forbearance program may help slow the growth in home prices next year, experts predict that demand will remain strong into 2022 and interest rates will gradually increase.

Location is one of the key factors affecting demand for a home. Check out some of the most expensive homes recently sold in Winston-Salem, according to Realtor.com.

#1. 112 N Stratford Rd, Winston Salem, NC 27104

Price: $1,725,000

Last Sold: September 28, 2021.

#2. 135 Pine Top Dr, Winston Salem, NC 27104

Price: $1,657,000

Last Sold: December 8, 2021.

#3. 4400 Bent Tree Farm Rd, Winston Salem, NC 27106

Price: $1,300,000

Last Sold: October 29, 2021.

#4. 1541 Audubon Village Dr, Winston Salem, NC 27106

Price: $1,235,400

Last Sold: December 8, 2021.

#5. 4621 Cherryhill Ln, Winston Salem, NC 27106

Price: $1,100,000

Last Sold: October 7, 2021

Did you love any of these properties? Interest rates at low levels allow buyers to purchase more expensive homes while still keeping their monthly payments the same.

Winter Housing Market Expected To Show Relief And More

ben@octostrategies.com (Ben Thornburg) — Thu, 09 Dec 2021 17:20:38 GMT

The Sharpe Mortgage Team is committed to providing you each week with helpful information on topics such as the local market, home trends, homebuying tips, and more. This week we shared information on holiday fire safety, mortgage news and the winter housing market. Read more on these topics below.

Holiday Fire Safety

During the holiday season, homes are often beautifully decorated with candles, fresh garlands, and trees adorned in lights. While the wonder of the season is enchanting, it is important to be aware of potential fire hazards. Follow these tips to reduce the risk of danger while making your home look festive.

FHFA Increases Conforming Loan Limit For 2022

The Federal Housing Finance Agency has announced an increase in the conforming loan limits for Fannie Mae and Freddie Mac in 2022. See the latest conforming loan limits.

Winter Housing Market Expected To Show Relief

While the housing market has reflected extremely low inventory and high prices nationwide for several months, experts say that it could experience some relief in the coming weeks. To learn more about the U.S. market’s winter outlook, click the article.

Homes Prices A Mixed Bag In Winston-Salem Opportunity Zones

ben@octostrategies.com (Ben Thornburg) — Tue, 07 Dec 2021 17:18:48 GMT

The average home values in seven Winston-Salem/ Forsyth County census tracts designated as Qualified Opportunity Zones (QOZ) have shifted in a scattershot fashion in the third quarter of 2021, according to national real-estate research firm Attom’s Q3 2021 Opportunity Zones Report.

QOZ are economically distressed tracts in which new investments, under certain conditions, may be eligible for preferential tax treatment. The goal is to spur economic development by providing tax incentives for investors who invest new capital in businesses operating in one or more QOZs.

The seven Forsyth tracts reviewed for the third quarter of 2021 are:

Tract 1: the central business district. The average home price was at $265,000 in the third quarter, down from the high of $270,100 in the second quarter.

Tract 3.02: the Kimberly Park neighborhood. The average home price was $74,750, up from $60,000 in the second quarter.

Tract 7: Innovation Quarter in downtown Winston-Salem. The average home price was $48,000, up from $42,000 in the second quarter.

Tract 14: Whitaker Park Business Park off Reynolds Boulevard. The average home sale price was $106,050 for the third quarter, down from a high of $123,500 in the second quarter. The average home sale price when the opportunity zone program began was $55,250.

Tract 16.02: Smith Reynolds Airport and neighborhoods south of the airport. The average home price was $38,000, down from a high of $67,500 in the second quarter.

Tract 17: Lakeside Villas multifamily housing development off Walkertown Road. The average home price was $ 135,000 in the third quarter of 2021. The average home sale price when the opportunity zone program began was $145,000.

Tract 33.13: the area along Horneytown Road. The average home price was $166,500, up from $159,500 in the second quarter.

Across the country, the report found that median single-family home and condo prices increased from the second quarter of 2021 to the third quarter of 2021 in 62 percent of Opportunity Zones. However, home values in QOZ were still significantly lower than most other neighborhoods around the U.S.

Is there anything that The Sharpe Mortgage Team can do for you this week? If you’re interested in purchasing a home or refinancing your current home in Winston-Salem or the surrounding areas, g ive us a call ! We can discuss your financial goals and discuss a loan program that might be right for you.

Paying Points On Your Mortgage And More

ben@octostrategies.com (Ben Thornburg) — Thu, 02 Dec 2021 17:16:36 GMT

The Sharpe Mortgage Team is committed to providing you each week with helpful information on topics such as the local market, home trends, homebuying tips, and more. This week we shared information on seller’s market, mortgage points, and fireplace and chimney care. Read more on these topics below.

What Does It Mean To Be In A Seller’s Market

In real estate, a seller’s market occurs when there are more interested buyers than there are homes for sale. Simply put, demand exceeds supply. This can occur for various reasons, including as a result of low interest rates, growth in the local job market, and development limits due to regulations or supply chain shortages. We rounded up some tips for both buyers and sellers on navigating the current market.

Paying Points On Your Mortgage

Fireplace And Chimney Care

As the temperature turns colder in the coming months, there are few things homeowners will likely enjoy more than curling up by the fireplace for a cozy evening. A gas or wood-burning fireplace is a welcome addition to any home, but there are several things you should undertake to make sure your fireplace and chimney are ready for use. Adhering to these guidelines will reduce risks associated with the use of fireplaces and chimneys in the colder months ahead.

Winston-Salem Fireplace And Chimney Maintenance

ben@octostrategies.com (Ben Thornburg) — Tue, 30 Nov 2021 17:04:57 GMT

As the Piedmont Triad begins to see winter-like temperatures, many homeowners will turn to the fireplace for an additional source of heat. A gas or wood-burning fireplace can add instant charm to your home and make it feel homey, but there are several steps you should take to make sure your fireplace and chimney are ready for use. By following these maintenance guidelines, you can prevent some of the most common problems in the colder months ahead:

Wood Fireplaces

Schedule routine chimney sweeps – To ensure your fireplace and chimney are in proper working condition, schedule a chimney sweep and inspection once a year. The best time to do this is before the start of a burning season.

Burn fires safely – Only burn wood that was cut at least six months ago. Store any excess firewood in an elevated and covered area. Although it may be tempting, steer clear of using flammable starting fluids in your fireplace.

Check chimneys outside – Make sure there are no tree branches within 15 feet of your chimney. Install a chimney cap to keep out unwanted debris or animals.

Ensure interior safety – Arrange furniture so that it is at least three feet away from your fireplace’s hearth and install a mesh screen to keep sparks from flying.

Discard ashes – When the fire is finished burning, discard ashes by placing them in a metal container that you store away from your home so they can properly cool.

Gas Fireplaces

Take a look at your owner’s manual – As there are many types and brands of gas fireplaces, read your owner’s manual to learn about the type of cleaning and maintenance your fireplace needs to stay functional and safe.

Inspect for problems – Look for latch issues or cracks in the glass and make sure logs are clean, free of dust, and in the proper position. Turn off the gas at the shut-off valve and test the igniter before using.

Assess the outdoor vent – Inspect the outdoor vent as it can become clogged with debris.

Schedule an inspection – Gas fireplaces require a professional inspection yearly to identify any issues such as gas leaks.

Is there anything that The Sharpe Mortgage Team can do for you this week? If you’re interested in purchasing a home or refinancing your current home in Winston-Salem or the surrounding areas, give us a call ! We can discuss your financial goals and discuss a loan program that might be right for you.

Happy Thanksgiving!

ben@octostrategies.com (Ben Thornburg) — Thu, 25 Nov 2021 16:56:13 GMT

We thank our clients and partners for yet another successful year and wish everyone a happy and safe Thanksgiving! If there’s anything The Sharpe Mortgage Team can do for you, please do not hesitate to reach out to us .

May your blessings be multiplied this year and throughout all your life.

Set The Perfect Thanksgiving Table

ben@octostrategies.com (Ben Thornburg) — Tue, 23 Nov 2021 16:54:54 GMT

Thanksgiving is right around the corner, making it a great time to start preparing your home for the holidays and giving your dining room table a fall makeover! Whether you are celebrating Thanksgiving this year with friends and family or just your household, below are some tips that will help ensure this special day is a huge success.

Centerpiece:

Because Thanksgiving is the most anticipated meal of the year, presentation is key! This pumpkin printable centerpiece is simple, stylish, and cost effective. For more beautiful centerpiece ideas, click here .

Name Cards:

Name cards are the perfect way to make personalize your table settings. These printable name cards are free to download, easy to assemble, and will add a personal touch to your table.

Table Settings:

If you are new to dinner party hosting, setting a table can seem like a daunting task. Here are some instructions to help make table setting simple. To view some beautiful Thanksgiving table-setting ideas, click here . Setting the table the night before is an excellent way to reduce stress and prepare for the day ahead.

Cleaning Checklist:

Don’t let the stress of cleaning up for Thanksgiving dinner overcome the joyful sprit of the holiday! Here is a mini checklist to help you eliminate stress during the process.

For more on hosting a successful and hassle-free Thanksgiving, click here .

Is there anything that The Sharpe Mortgage Team can do for you this week? If you’re interested in purchasing a home or refinancing your current home in Winston-Salem or the surrounding areas, give us a call ! We can discuss your financial goals and discuss a loan program that might be right for you.

How To Market Homes During The Holidays And More

ben@octostrategies.com (Ben Thornburg) — Thu, 18 Nov 2021 16:52:43 GMT

The Sharpe Mortgage Team is committed to providing you each week with helpful information on topics such as the local market, home trends, homebuying tips, and more. This week we shared information on festive holiday wreaths, what a home inspector does, and how to market homes during the holidays. Read more on these topics below.

Festive Holiday Wreaths For Your Home

It’s the holiday season, and what a better way to liven up your front door than with a festive holiday wreath! With a little bit of work and a trip to the craft store, your wreath will be the talk of carolers everywhere. Check out these fun tips on the different kinds of wreaths you can create!

What Does A Home Inspector Do?

One of the most common contingencies to a real estate purchase is a completed home inspection. Hired by the homebuyer, a home inspector thoroughly examines a house for damages and repairs that may be needed. Learn more about all the areas a home inspection report should typically cover.

How To Market Homes During The Holiday

The homebuying market from November through January is notoriously slow because of the holiday season. However, this year’s hot housing market has set the stage for a better than usual winter season! While the holidays are generally filled with family, friends and Yuletide cheer, the inventory shortage and an increased number of serious buyers can make this time of year successful for selling. Here are some tips for selling homes during the holidays.

Beat The Winter Blues With Indoor Plants in Wiston-Salem

ben@octostrategies.com (Ben Thornburg) — Tue, 16 Nov 2021 16:50:52 GMT

As cool temperatures take hold, the growing season is officially over. The first sub-freezing temperatures this fall occurred on November 4 across the Piedmont Triad and central North Carolina. While freeze conditions will damage and kill sensitive outdoor vegetation, you don’t have to bid goodbye to plants. You can still bring a little bit of nature inside and brighten up your home with indoor plants. But with so many options from which to choose, finding the right plants for your home can feel overwhelming.

Begin by identifying the locations where you want to add plants and then survey the type of lighting that area receives. Different house plants need different levels of lighting and care, and you will want to choose a plant based on those factors.

Here are some excellent house plants for beginners:

Snake Plants – These tall, spindly plants come in many different varieties and don’t demand direct sunlight. Snake plants require minimal water and should only be watered when their soil has dried out completely.

Pothos – Similar to a snake plant, a pothos plant does not require much light or water. Pothos plants are ideal for hanging pots and don’t have to be pruned. To best care for pothos, only water when the leaves appear to be drooping and the soil is dried through.

Spider Plants – Spider plants prefer direct sunlight but can withstand many different lighting situations and don’t need a strict watering schedule. Keep your spider plant away from AC vents and be sure to water regularly.

ZZ Plants – ZZ plants are among the lowest-maintenance house plants available. Their waxy leaves look great in your home, but they require little attention. Place your ZZ plant in a spot away from direct sunlight and only water when soil is completely dried out.

Be sure your indoor plants are potted in a container that has holes in the bottom to provide adequate drainage. For more information on good houseplants for beginners, click here .

Is there anything that The Sharpe Mortgage Team can do for you this week? If you’re interested in purchasing a home or refinancing your current home in Winston-Salem or the surrounding areas, give us a call ! We can discuss your financial goals and discuss a loan program that might be right for you.

Host A Stress-Free Thanksgiving And More!

ben@octostrategies.com (Ben Thornburg) — Thu, 11 Nov 2021 16:31:10 GMT

The Sharpe Mortgage Team is committed to providing you each week with helpful information on topics such as the local market, home trends, homebuying tips, and more. This week we shared information on setting the perfect Thanksgiving table, budgeting blunders, and hosting a stress-free Thanksgiving. Read more on these topics below.

Set The Perfect Thanksgiving Table

Thanksgiving is right around the corner, making it a great time to start preparing your home for the holidays and giving your dining room table a fall makeover! Whether you are celebrating Thanksgiving this year with friends and family or just your household, we have gathered some tips that will help ensure this special day is a huge success.

Avoid These Budgeting Blunders

Creating a realistic household budget is the best way to keep your finances in check. While there is no formula to creating the perfect budget, there are some budgeting blunders that you can avoid. By following these tips, you can make managing your finances simple and stress-free.

Host A Stress-Free Thanksgiving

No matter the size of your Thanksgiving gathering, hosting a large dinner can be overwhelming. If you are new to hosting Thanksgiving or looking for ways to make your day less stressful, check out these tips for hosting a Thanksgiving that friends and family members will remember for years to come.

Spruce Up Your Home Office in Winston-Salem

ben@octostrategies.com (Ben Thornburg) — Tue, 09 Nov 2021 17:47:40 GMT

As people around North Carolina continue to work from home on a daily basis, the home office has gained an outsized interest from homebuyers looking for properties in Winston-Salem with a dedicated space from which to telecommute. Many other Triad homeowners have turned a spare room into a workstation as companies have gone remote permanently.

In fact, if you work from home, your home office space and expenses may even qualify for tax breaks. While strict rules apply, up to 300 square feet can be considered an office space for tax deduction purposes.

If you are planning to set up an office space or hope to spruce up your existing home office nook, you don’t have to break the bank. We put together some ideas to help you take your office space right on to the next level.

Location

Identify a space that is infrequently used and with little to no traffic flow, such as a guest room, attic, or basement. If possible, you want to choose a space where you can close the door while you work. The key is to find a private area that is quiet and allows you to withstand distractions.

Lighting

Ample lighting cannot be over-stressed, as it plays a key role on your productivity and mental health. If the room you choose for your office space has a window, make sure to position the desk where you can look out the window. Layering different sources of light, such as a window’s natural light, a warm light that illuminates the entire room, or a lamp that directly illuminates your desk, is ideal.

Chair

You’ll likely spend most of your day hours sitting in a chair, so it’s important to invest in an ergonomic office seat designed to help you sit comfortably and maintain correct posture. There are many choices on the market at a variety of price points. Make sure to test the chair before the purchase to make sure it suits your needs. If you like to put your feet up, you can also get a small footstool for under your desk.

Walls

If you are taking video calls and meeting clients via video conference on a regular basis, you want to make sure your home office is camera-ready. By giving your walls a fresh coat of paint and adding texture with shiplaps or PVC lattice, you can create a visually appealing background.

Is there anything that The Sharpe Mortgage Team can do for you this week? If you’re interested in purchasing a home or refinancing your current home in Winston-Salem or the surrounding areas, give us a call ! We can discuss your financial goals and discuss a loan program that might be right for you.

Prepare Your Home For Cold Weather in Winston-Salem

ben@octostrategies.com (Ben Thornburg) — Thu, 04 Nov 2021 16:45:43 GMT

The Sharpe Mortgage Team is committed to providing you each week with helpful information on topics such as the local market, home trends, homebuying tips, and more. This week we shared information on preparing your home for cold weather, the role of a listing agent, and hosting last-minute guests for the holidays. Read more on these topics below.

Preparing Your Home For Cold Weather

With autumn in full swing, now is a good time to prepare your home for the colder months ahead. Your electricity bill and your family’s safety are affected by the condition of your home in the winter. Follow these quick tips to make sure your home is ready for cold weather.

What Does A Listing Agent Do?

The sale of a house is a very important financial transaction, which is why savvy sellers opt to hire a listing agent. But why does having a listing agent make such a difference? Keep reading to learn more about the role of a listing agent and why it makes such a difference when selling a home.

Hosting Last-Minute Guests For The Holidays

Spending the holidays with your family and friends can be wonderful. But with all the to-dos that the season brings, last-minute preparations for hosting out-of-town guests can also be stressful. Get a jump on preparing your home for visitors and welcome them warmly with these quick tips.

Budgeting Do’s And Don’ts

ben@octostrategies.com (Ben Thornburg) — Tue, 02 Nov 2021 16:43:56 GMT

Budgets allow you to better handle having an excess of money or perhaps an unexpected shortage. What’s more, by sticking to a budget you are setting yourself up to being financially prepared for homeownership. Mortgage lenders look at a prospective borrower’s debt-to-income ratio when determining if they will lend money. The amount you have saved throughout the years and put down on a home not only impacts your interest rates, but also your financial future. After all, you don’t want to find yourself house-rich yet cash-poor.

Here are some do’s and don’ts when it comes to managing your finances!

Do…

Know your income – Determine how much money you will earn for the month. Be sure to consider your regular salary as well as other sources of income you may have, such as bonuses, alimony, child support, and interest on investments, etc. Seeing the numbers on paper of how much you earn versus how much you owe is an important part of being financially aware and may be a sobering look at how you are spending.

Create your plan – A realistic savings and debt payoff plan starts with determining if you have a budget shortfall or overage, which you can figure out by simply subtracting your expenses from your income. If you find that you are spending more than you are earning, it is time to eliminate some expenses. Prioritize your expenditures to determine those that are important and cut back where applicable. Ideally, you want to have 10-20% of your income left each month to add to your savings account.

Record your spending – One of the best ways to stay within your budget is to record each of your expenses and income. By enumerating your expenses, you are forcing yourself to be aware of where your money is going each month. There are many useful apps and websites to help you track your spending habits and maintain a budget.

Don’t…

Set a budget that is too tight – Many expenses fluctuate from month to month. By creating a budget that is too strict, you could be setting yourself up for failure. Make sure that your budget is flexible enough to allow for any unexpected expenses.

Ignore your savings account – Including a savings contribution as a monthly expense in your budget is a crucial component to ensure that you are saving money. Many banks allow you to automate a transfer to your savings account on a monthly or weekly basis.

Make your budget too complicated – If your budget is complicated or difficult to keep up with, you are less likely to use it. Try to simplify your budget as much as possible to make it easy to understand and use. There are many apps available that can help you simplify and follow your budget!

Is there anything that The Sharpe Mortgage Team can do for you this week? If you’re interested in purchasing a home or refinancing your current home in Winston-Salem or the surrounding areas, give us a call ! We can discuss your financial goals and discuss a loan program that might be right for you.

The Teal Pumpkin Project And More!

ben@octostrategies.com (Ben Thornburg) — Thu, 28 Oct 2021 16:41:29 GMT

The Sharpe Mortgage Team is committed to providing you each week with helpful information on topics such as the local market, home trends, homebuying tips, and more. This week we shared information on home staging design trends, budgeting apps, and the Teal Pumpkin Project. Read more on these topics below.

Home Staging Design Trends

Seventy-seven percent of buyers’ agents say staging makes it easier for buyers to visualize a property as their future home. While staging a home is never guaranteed to make it sell faster, this process certainly presents the home in a more flattering light and can pique the interest of potential buyers. As you prepare a home for the market, follow these staging trends to ensure your listing is trendy and inviting to buyers.

Budgeting Apps To Make Saving Simple

Creating and sticking to a budget is an ongoing goal for many people. Using an app for budgeting can help you save money and avoid overdraft or late payment fees. Many apps provide notifications to let you know when you have gone over budget or when you are nearing deadlines to pay bills. Here are some of the most popular free budgeting apps to help you keep your finances in check.

The Teal Pumpkin Project

Halloween is right around the corner and children everywhere are looking forward to celebrating in some way. Unfortunately, children with food allergies miss out on the full Halloween experience as most types of candy are off-limits to them. In light of this, Food Allergy Research & Education (FARE) has created the Teal Pumpkin Project to make sure all children will come home from trick-or-treating with something to enjoy. Learn more about this project and how you can get involved.

Potted Plants For Fall in Winston-Salem

ben@octostrategies.com (Ben Thornburg) — Tue, 26 Oct 2021 16:39:40 GMT

As fall carries on, leaves are starting to turn vivid colors in the Piedmont Triad. Autumn hues make for lovely, seasonable flowers and plant arrangements. To transform your space for the season, decorate your front porch or steps with vibrant potted plants. Begin with a trip to your local nursery or home improvement store and ask for hardy plants that are appropriate for the seasonal changes ahead.

Pansies, cabbage, violas, and mums are delightful fall flowers that you can use to fill out your containers. Plants such as ornamental kale and sage will withstand fall temperatures and add beautiful texture to any container garden. Keep in mind that kale will grow quickly once planted, so it’s best to leave space around it. Dwarf variety asters will spill over pots to add depth, and snapdragons are great autumn plants to heighten your arrangements. Many herbs, including parsley, rosemary, and lavender, will grow in the fall and mild winter weather as well.

Click here to view more herbs for fall and winter.

Make your containers more interesting by including small pumpkins and miniature gourds. For more fall plants that will add color to your garden, click here . Choose containers that will enhance the color theme or stick with classics such as terracotta or black. Metal or wooden buckets and baskets can also liven up your container gardens. Additionally, try clustering different shapes and heights in threes or plant a single pot with a few different kinds of plants.

For some simple container garden tutorials that you can put together yourself, click here .

Here are two colorful autumn container garden ideas:

Pile on the pumpkins and place potted mums into decorative containers. Mums come in several vibrant autumn colors and require little maintenance. By stacking pumpkins and mini gourds in and around the containers, you can create the perfect, easy fall arrangement!

Create a fragrant fall hanging basket! Fill a hanging basket with high quality potting soil, pansies, marigolds, ornamental cabbage, and herbs. The herbs will provide both fragrance and utility, while the pansies, marigolds, and cabbage will boast the colors of the season! See more here.

Is there anything that The Sharpe Mortgage Team can do for you this week? If you’re interested in purchasing a home or refinancing your current home in Winston-Salem or the surrounding areas, give us a call ! We can discuss your financial goals and discuss a loan program that might be right for you.

Spooky Sales Tips For Halloween in Winston-Salem

ben@octostrategies.com (Ben Thornburg) — Thu, 21 Oct 2021 16:35:43 GMT

The Sharpe Mortgage Team is committed to providing you each week with helpful information on topics such as the local market, home trends, homebuying tips, and more. This week we shared information on spooky sales tips to market homes at Halloween, creating a budget, and spooky Halloween décor. Read more on these topics below.

Spooky Sales Tips To Market Homes At Halloween

If your home is listed for sale, take advantage of trick-or-treating to attract potential buyers by capitalizing on increased holiday foot traffic. It is also an excellent opportunity to catch up with your neighbors about friends who are interested in moving into your neighborhood. Here are some marketing techniques to sell your home this season.

Creating A Budget

Having a budget that you adhere to each month is the quickest and best solution for saving money, paying down debt, and investing in your future. While some people find the word “budget” to be restrictive, a budget can simplify your life, reduce stress, and help you achieve your future financial goals. Here are some tips on how to create a budget.

Make Your House A Spooky Stop This Halloween

Are you ready for Halloween? This year, make sure you have the spookiest and most festive home on the block! Follow these five steps to make your house an amazing stop for trick-or-treaters.

Decorate Your Winston-Salem Home For Fall

ben@octostrategies.com (Ben Thornburg) — Tue, 19 Oct 2021 16:33:30 GMT

The crisp in the air signals that fall has arrived in all its glory. If you were waiting for more temperate weather in the Piedmont Triad to step out and decorate your home, now is the perfect time to load up on some autumn décor. Grab a plush, warm sweater and check out these fall decorating ideas!

Make A Wreath

Give your front door some flair with a festive fall wreath. With a little work and a trip to your local craft store, you can create something unique. If arts and crafts aren’t your cup of tea, many local stores carry a wide selection of wreaths for every budget.

Add Pumpkins

Adding pumpkins and gourds to your front porch can create a festive harvest look. As pumpkins and squashes come in a variety of shapes and colors, you can mix more muted hues with bright oranges for a pop of color. If you want to keep your younger children entertained and involved, have them pick different designs for jack-o’-lanterns and stack them together as a totem pole.

Warm Things Up

Break out some blankets, throws, and rugs to add a cozy feel to your home. A good idea is to sprinkle in touches of buffalo plaid by swapping out pillowcases and customizing the tablescape with runners and napkins in the color scheme.

Get Ready To Rock

Fall is the season of leaf-peeping and hot pumpkin spice latte. To make sure you squeeze the most out of these gorgeous days outdoors, get a pair of rocking chairs and adorn them with cushions or a throw over the back of them in shades that complement your front porch décor.

Is there anything that The Sharpe Mortgage Team can do for you this week? If you’re interested in purchasing a home or refinancing your current home in Winston-Salem or the surrounding areas, give us a call ! We can discuss your financial goals and discuss a loan program that might be right for you.

Clean Your Gutters This Fall in Winston-Salem

ben@octostrategies.com (Ben Thornburg) — Tue, 12 Oct 2021 16:29:58 GMT

As North Carolina mountain towns hit peak levels of fall colors, the Piedmont Triad is starting to see its first shades of yellow, red, and orange pop against still mostly green leaves. The next couple weeks, however, are going to be huge for leaf peepers as bright autumn hues eventually bathe our region.

While this year’s fall foliage is set to be incredibly vibrant in the Appalachians, leaf droppings are inevitable as we head into the winter months. This season, homeowners should pay careful attention to leaves and other debris that may collect in gutters and downspouts, potentially causing harm to their properties.

During a downpour, a clogged gutter can send substantial amounts of water down the side of your home, potentially damaging the siding, foundation, and landscaping. Thoroughly cleaning and inspecting your gutters in the fall will help to keep them in good working condition.

To clean gutters, climb a ladder and remove all the large leaves and debris that may be sitting in them. This can be done with a trowel or small shovel. Pay close attention to the area around the downspout. If there is clogging, it won’t drain properly, which can cause your gutters to sag.

The decomposed debris that you remove will make great mulch or compost for your garden. To remove finer materials, flush the gutter with a hose — starting at the opposite end of the downspout. If the water isn’t draining properly, recheck the downspout to be certain nothing is clogging it.

Most gutters are held onto homes by using a metal spike and ferrule. Check all the spikes that are meant to go through the gutter, the fascia board, and into the rafter behind it. If the gutter spikes are in questionable condition, it’s a good idea to invest in new ones to ensure that the gutters are securely fastened.

Inspect gutters for holes and cracked caulking that could cause leaks. If the caulking needs to be replaced, use a chisel or metal scraper to remove the current caulking and then thoroughly dry the area. Replace with a new caulking sealant and follow the suggested drying directions.

Is there anything that The Sharpe Mortgage Team can do for you this week? If you’re interested in purchasing a home or refinancing your current home in Winston-Salem or the surrounding areas, give us a call ! We can discuss your financial goals and discuss a loan program that might be right for you.

Marketing Tips For Open Houses And More!

ben@octostrategies.com (Ben Thornburg) — Thu, 07 Oct 2021 16:28:23 GMT

The Sharpe Mortgage Team is committed to providing you each week with helpful information on topics such as the local market, home trends, home buying tips, and more. This week we shared information on festive wreaths for autumn, down payments, and marketing tips for open houses. Read more on these topics below.

Festive Wreaths For Autumn

Autumn is here! Give your front door some flair with a festive fall wreath. With a little work and a trip to your local craft store, you can use these ideas to create something unique. Check it out!

Understanding Down Payments

The down payment is often one of the most intimidating obstacles for first-time homebuyers. Read on to learn more about its definition and other potential upfront expenses you should be prepared for during the home buying process.

Marketing Tips For Open Houses

The housing market is hot, making now the perfect time to ramp up marketing techniques and drive traffic to your open houses if you are a real estate agent. With mortgage marketing in its current competitive state, it’s important to make sure you are differentiating yourself from other agents. Follow these tips to market your open house for successful home sales.

Burlington, NC Named The Hottest Market In US

ben@octostrategies.com (Ben Thornburg) — Tue, 05 Oct 2021 16:26:54 GMT

As millions of Americans have shifted from in-office to remote work, professionals from all over the country have flocked to smaller towns in search of affordable living. In August 2021, Burlington, NC ranked number one on the Realtor.com® monthly hottest markets list .

Realtor.com’s Market Hotness rankings factor in two aspects of the housing market: 1) market demand, as measured by unique viewers per property on Realtor.com®, and 2) the pace of the market as measured by the number of days a listing remains active on Realtor.com®.

Burlington, NC has continually featured among the top hottest markets in the country in previous months. However, the last time this metro area snagged the top spot was November 2020. “For just under $190,000, Burlington buyers can score a three-bedroom, two-bathroom, single-family home built 20 to 30 years ago on a quarter- to a half-acre of land”, real estate agent Vivian Sweatt, of Sweatt Realty, told Realtor.com .

The median sale price in Burlington is significantly cheaper than other NC metro areas such as Charlotte and Raleigh and around 31% less than the national median. Burlington is a diverse and dynamic city with a small-town feel and an abundance of economic opportunities for newcomers. Recent new additions to the business community include the corporate headquarters of Honda Aero, the jet engine manufacturer for Honda and other aircraft manufacturers, as well as Sheetz Corporation, which recently opened their 245,000 square foot regional distribution center in Burlington.

Is there anything that The Sharpe Mortgage Team can do for you this week? If you’re interested in purchasing a home or refinancing your current home in Winston-Salem or the surrounding areas, give us a call ! We can discuss your financial goals and discuss a loan program that might be right for you.

America’s 10 Most Affordable Markets

ben@octostrategies.com (Ben Thornburg) — Thu, 30 Sep 2021 16:25:09 GMT

The Sharpe Mortgage Team is committed to providing you each week with helpful information on topics such as the local market, home trends, homebuying tips, and more. This week we shared information on America’s most affordable markets, what makes mortgage planners different, and autumn potted flowers and plants. Read more on these topics below.

America’s 10 Most Affordable Markets

With the soaring prices of real estate nationwide, it can be tough to find areas with more reasonably priced homes. A survey was recently conducted by the data team at Realtor.com to identify America’s most affordable metro-area housing markets. Find out which cities made the top 10!

What Makes Mortgage Planners Different?

Hiring professionals is a great way to ensure you have the best people in place to help you with decisions, and this is why working with a mortgage planner is incredibly key to the success of your home purchase. Learn more about what to expect from a mortgage planner.

Autumn Potted Flowers & Plants

Autumn is around the corner and, pretty soon, pumpkins and gourds will be popping up around town! Autumn colors make for lovely, seasonable flowers and plant arrangements. Now is an excellent time to decorate your front porch or steps with vivid autumn container gardens. Here are some colorful autumn container garden ideas.

Have You Outgrown Your Current Winston-Salem Home?

ben@octostrategies.com (Ben Thornburg) — Tue, 28 Sep 2021 14:32:28 GMT

Few Americans stay in the first home they purchased through the rest of their lives. As life events shift and alter your course, you will likely find yourself re-evaluating your needs and means. And while there’s no one tell-tale sign that you have outgrown your home, many factors can create a need to relocate. Here are some common identifiers that your current home no longer fits your lifestyle.

Changing Family Size

You may have bought your first home when it was only you and your spouse. But if you have added children or welcomed an aging relative into your household, the two-bedroom home may not make sense anymore. Conversely, if your kids are grown-up and have left the nest, you may no longer need the extra space.

Not Enough Room

If your home feels cramped and you have noticed you no longer have enough storage space, it might be a good time to relocate. It is only natural that people acquire more things through life, such as clothes, souvenirs, and fitness equipment. Either way, lack of storage is one of the most common complaints from folks looking to upgrade.

Change In Career

New employment opportunities and career growth are compelling reasons to expand into a larger home. With more financial flexibility, you are able to afford a home with greater square footage and perhaps in a more desirable location. In addition, you may want to consider the commute between your current home and your new office space.

Whatever your reason might be, moving up is an exhilarating experience. Make sure to stay attuned to the signs you’re ready to move and keep an eye on the housing market!

Is there anything that The Sharpe Mortgage Team can do for you this week? If you’re interested in purchasing a home or refinancing your current home in Winston-Salem or the surrounding areas, give us a cal l ! We can discuss your financial goals and discuss a loan program that might be right for you.

Fannie Mae To Include Rent History In Mortgage Approval

ben@octostrategies.com (Ben Thornburg) — Thu, 23 Sep 2021 14:30:43 GMT

The Sharpe Mortgage Team is committed to providing you each week with helpful information on topics such as the local market, home trends, homebuying tips, and more. This week we shared information on the latest mortgage and real estate news as well as on the difference between pre-approval and pre-qualification. Read more on these topics below.

Fannie Mae To Include Rent History In Mortgage Approval

Fannie Mae aims to make loans more accessible to homebuyers by including rent payments as part of the mortgage approval process. This action is intended to help borrowers with limited credit histories have better accessibility to home loans. Read more on this change!

The Difference Between Pre-Approval & Pre-Qualification

Real estate agents often suggest to buyers that they become “pre-approved” or “pre-qualified” before beginning the home search process. While these mortgage terms sound similar, they carry very different meanings. Learn more about the difference between pre-approval and pre-qualification!

Cities Leading The Hot Housing Market

The most recent edition of S&P CoreLogic Case-Shiller Home Price Index reported a 18.6% annual gain in home prices in June, up from 16.8% in May. This marks the third consecutive month of record growth across the U.S. in the 30-year history of the index. Find out which cities have recorded the largest gains!

Prepare Your Winston-Salem Home For Cooler Weather

ben@octostrategies.com (Ben Thornburg) — Tue, 21 Sep 2021 14:29:09 GMT

With a cold front expected to move into the Carolinas later this week, low temperatures in Winston-Salem should drop into the low 50s – our first taste of fall. And while peak leaf season in the Piedmont Triad region is still several weeks away, now is the best time to prepare your home for the cooler weather ahead.

Here are some things you can do to get your home ready before winter sets in:

Check your HVAC system

Check your heating and air system to make sure it is in good working order and well kept. Ideally, you should have a technician inspect your furnace and heat pump before the weather turns cold. While you are at it, use the opportunity to change out your filters.

Get up on the Roof

Get on up on your roof or hire a company to look for any loose shingles. The nails should be securely embedded into the felt and sheathing to prevent leaks from storms and melting snow and ice. If needed, hire a handyman to repair a few shingles or a roofer for larger sections.

Clear out gutters and downspouts

To prevent clogs and potential ice dams, be sure to remove leaves and other debris from your drainpipes and gutters. Also, make sure that the gutters aren’t sagging and trapping water.

Cover your outdoor furniture and shut down the pool

As the weather turns cold and people spend more time indoors, it’s a good idea to cover your outdoor furniture to protect it from the elements. To avoid trapping moisture on it, cover your furniture while the weather is still relatively warm and clear.

If you have a pool, fall is a good time to get any needed work done before you shut it down for the season.

Seal air leaks

Check your home for drafts that may occur due to cracks around windows or doors. Use a calking material to fix cracks in stationary house components such as doorframes and weather stripping.

Reverse your ceiling fans

If your ceiling fan has a reverse switch, set the blades to spin in a clockwise direction once you turn the heat on for the season. This will create an updraft, which forces heated air down from the ceiling into the space with the added benefit of saving energy.

Is there anything that The Sharpe Mortgage Team can do for you this week? If you’re interested in purchasing a home or refinancing your current home in Winston-Salem or the surrounding areas, give us a call ! We can discuss your financial goals and discuss a loan program that might be right for you.

US Real Estate Prices Jumped During The Second Quarter Of 2021

ben@octostrategies.com (Ben Thornburg) — Thu, 16 Sep 2021 14:11:46 GMT

The Sharpe Mortgage Team is committed to providing you each week with helpful information on topics such as the local market, home trends, homebuying tips, and more. This week we shared information on creating an outdoor entertaining space, minor repairs that can impact the sale of your home, and the latest real estate news. Read more on these topics below.

Create An Outdoor Entertaining Space

Autumn is almost here! This means that cooler weather and the chance to fully enjoy your outdoor living spaces are nigh. Here are some terrific tips to help you outfit your outdoor entertainment space.

Minor Repairs Can Have A Significant Impact When Selling Your Home

If you’ve been considering listing your home, you’ve likely begun thinking about the improvements you need to make before putting your home on the market. Here are a few minor repairs that may have a big impact on the sale of your home.

US Home Prices Jumped During The Second Quarter Of 2021

During the second quarter of 2021, as extreme demand continued to overwhelm the housing inventory, home prices soared nationwide. To learn more about the increase in prices and what experts predict for the end of 2021 and beginning of 2022, check out the article.

Some Relief In Sight?

ben@octostrategies.com (Ben Thornburg) — Tue, 14 Sep 2021 14:10:05 GMT

For the many people priced out of the North Carolina’s real estate market, there may be some relief in sight. There are some early signs the housing market may be just starting to cool down.

Home prices in the Piedmont Triad have surged at a fast clip since 2020. In the second quarter of 2021, the median sale price in the Winston-Salem area rose 16% from a year ago and over 10% over the first quarter to $198,000. While the pandemic had a clear impact on this red-hot market, factors such as supply and demand, low interest rates, and building material have all helped drive up home values.

New numbers, however, have shown that fewer buyers are applying for mortgages and price growth is slowing down. In Winston-Salem and Greensboro, the median sale price in July and August 2021 eased back from the record high in June 2021, based on data made available on Realtor.com .

According to money expert Ja’net Adams, “Housing has been hot for over a year! So hot there were people buying houses without seeing them in person. The housing market was so out of control that it started to price out regular buyers. Now the housing market is starting to cool off and heading back towards normal.”

With bidding wars and all-cash offers becoming the new normal, buyers have had to get creative and sometimes even take high-risk, drastic measures such as waiving inspections. For those looking to buy a home, Adams shared some tips with WFMY News2 :

Cash

“Having a down payment for a house could help you be in a better position when you find the house you want to buy. During this past year, those with the most money won the bidding wars and although the market is going back to normal you still need to come to the table with your best down payment. I suggest a 20% down payment and if you don’t have any money saved yet you should get started today.”

Flexibility

“Buying a house is the biggest investment you will make in your life, but that doesn’t mean that you have to be unmovable. It is okay to have preferences when it comes to the type of home you want, but if you want to buy a house in the next year you need to be willing to be flexible in your choices because the supply of houses is low.”

Real Estate Agent

“If you don’t know real estate like the back of your hand then you need to get some help. Before you start looking for a home, reach out to a real estate agent that knows the area that you want to live in. A real estate agent can save you time and money.”

Is there anything that The Sharpe Mortgage Team can do for you this week? If you’re interested in purchasing a home or refinancing your current home in Winston-Salem or the surrounding areas, give us a call ! We can discuss your financial goals and discuss a loan program that might be right for you.

Preparing The Home For Fall And More Tips

ben@octostrategies.com (Ben Thornburg) — Thu, 09 Sep 2021 14:07:11 GMT

The Sharpe Mortgage Team is committed to providing you each week with helpful information on topics such as the local market, home trends, homebuying tips, and more. This week we shared information on video for real estate, preparing your home for fall, and fall gardening. Read more on these topics below.

Video For Real Estate

In the world of real estate, using video is one of the best ways to market for your business. As a real estate professional, sharing market insights, listings and more can provide your customers a source of education. Following are some great tips to create professional videos for your business.

Prepare Your Home For Fall

After a long, hot summer, it’s time to prepare your home for cooler weather! With the autumn months around the corner, here are some things you can do to get your home ready for the change of seasons.

Fall Gardening Tips

With the first official day of autumn drawing near, it may be time to begin thinking about preparing your garden for cooler temperatures. There are many things you can do to make the most out of the crisp autumn weather as well as prepare some beautiful blooms for next spring. Here are some great fall gardening tips.

Home Prices On The Rise In Winston-Salem

ben@octostrategies.com (Ben Thornburg) — Tue, 07 Sep 2021 14:02:32 GMT

Home prices in the Winston-Salem area have surged again during the second quarter of 2021. The median sale price rose 16% from a year ago and 10% over the first quarter to $198,000, according to the national real estate research firm Attom Data Solutions. Furthermore, during the second quarter, 3,687 homes were sold in the five Winston-Salem counties of Davidson, Davie, Forsyth, Stokes, and Yadkin.

“Prices and profits from the second quarter painted yet another picture of a housing market in high gear — except for one thing,” said Todd Teta, chief product officer at Attom, as reported by the Winston-Salem Journal . “Profit margins dropped in the second quarter, which is very unusual for any springtime period because that’s when the housing market is usually hottest or close to it.”

Teta highlighted that while “it may just be a momentary thing in today’s volatile market, it’s definitely something to keep an eye on in case it’s a sign that the market is finally cooling or giving into some of the economic forces connected to the virus pandemic.”

Are you looking to buy a home in Winston -Salem or any of the surrounding areas? The Sharpe Mortgage Team would love to help. Call us today to set up a time when we can review your financial goals and determine a loan program that might be right for you.

How To Make A Great Offer On A Winston-Salem Home

ben@octostrategies.com (Ben Thornburg) — Tue, 31 Aug 2021 14:00:50 GMT

Your purchase offer can be considered a “blueprint for the final sale” of a home. It contains all the items that will serve as a guide to the final agreement, including things such as the purchase price offered, the down payment, the loan amount, the deposit, and contingencies.

If the seller agrees to almost everything and wants to further negotiate a term, you will most likely receive a written counteroffer with the changes the seller prefers. You are then free to make changes in your own counteroffer. Each time either party makes a change in the terms, the other side is free to accept or reject it, or counter again. The document becomes a binding contract only when one party finally signs an unconditional acceptance of the other side’s proposal.

In this seller’s market, however, it’s become quite common for a house to draw multiple offers. If you have found a home you love, consider some of these tips to help you beat out the competition.

Get A Pre-Approval Letter

A pre-approval letter can help you stand out in a competitive market. If you submit an offer on a home against someone who is not pre-approved, your offer will likely be taken more seriously. Sellers prefer to negotiate with pre-approved buyers because they know you are financially qualified to obtain the loan needed to close on their home.

Write A Personal Offer Letter

Highlight all the features of the home that you love in a personal letter to the seller. The seller likely has fond memories in the home, so connecting with them and acknowledging the hard work put into the home could give you a leg up.

What’s more, sharing some things about your life may let them know that you are the right person for the home. If the neighborhood reminds you of where you grew up, or you think it will be a wonderful place to raise children, mention those things in your letter to create a personal connection with the seller.

Put Down A Solid Earnest Money Deposit

A larger earnest money deposit (EMD) is a great way to show the seller you are a good-faith buyer and that your intentions are real. Typically, EMDs are about 1 to 3% of the purchase price, so putting down a deposit on the higher end of this spectrum will likely be seen more favorably.

Offer Above-Asking

Have you fallen in love with a home? Now you must put your best foot forward to make sure you stand out from the crowd. In today’s competitive market, full-price offers may not be enough to seal the deal. Take the time to go over your budget and figure out how much you are willing to pay for the home. While there isn’t a simple, one-size-fits-all answer to how much one should offer over asking, you should understand with great confidence what comparable properties in the area are selling for to determine whether it is appropriately priced or overpriced.

Are you looking to buy a home in Winston-Salem or any of the surrounding areas? The Sharpe Mortgage Team would love to help. Call us today to set up a time when we can review your financial goals and determine a loan program that might be right for you.

North Carolina Housing Prices Are Creeping Higher – Here Are 3 Reasons Why

ben@octostrategies.com (Ben Thornburg) — Tue, 17 Aug 2021 13:53:33 GMT

Buying a home in North Carolina’s red-hot market isn’t for the faint of heart. With bidding wars and all-cash offers becoming the new normal, buyers have to get creative in their approach to make their offer stand out.

While the coronavirus pandemic has had a clear impact on prices and helped throw off the balance between supply and demand, the reason the market is so hot right now cannot be blamed solely on it. Here are three factors driving up home values:

Supply and Demand

The price of a home is tied to the supply and demand in the market. When there are fewer houses available, buyers will bid higher to snatch the property. The uncertainty brought about by the pandemic has made folks more reluctant to list their homes, while others deliberately took their homes off the market fearing the spread of coronavirus due to open houses and walkthroughs. Add to the mix the trend of Americans moving to North Carolina – most noticeably from Northeastern states – demand has been off-the-chart.

Low-Interest Rates

Due to falling mortgage rates, the cost of borrowing money to purchase a home has steadily dropped. First-time homebuyers, such as millennials, have jumped at the opportunity to take advantage of the rates while they last. In addition, many people are choosing to refinance their mortgages at lower rates rather than looking for a new home in such a competitive market.

Building Materials

Costs of building materials, like lumber, have surged this year and fueled prices for new homes. Random-length lumber prices have more than tripled since April 2020. The National Association of Home Builders said the lumber price surge is adding $24,000 to the average price of a newly built home.

Is there anything that The Sharpe Mortgage Team can do for you this week? If you’re interested in purchasing a home or refinancing your current home in Winston-Salem or the surrounding areas, give us a call ! We can discuss your financial goals and discuss a loan program that might be right for you.

Winston-Salem Named Among Top 50 Best Places To Live In U.S.

ben@octostrategies.com (Ben Thornburg) — Wed, 11 Aug 2021 02:12:44 GMT

Winston-Salem ranked no. 46 out of 150 cities according to U.S. News & World Report on 2021-2022 Best Places to Live . To make the top of the list, a place had to have good value, be a desirable place to live, have a strong job market, and a high quality of life.

The report says that Winston-Salem has an international feel while maintaining its traditionally Southern friendliness. The metro area also celebrates its diversity during an array of festivals and through a variety of cuisines, ranging from traditional North Carolina barbecues to Indian curries and Greek pastries.

Though Winston-Salem has not seen a population boom at the same rate as Charlotte and Raleigh, it has become a fertile land for entrepreneurs and small businesses due to heavy interest in residential and corporate development.

Other North Carolina cities featured among the top 50 were Raleigh-Durham at no. 2, Charlotte at no. 20, and Asheville at no. 48. Following is the full list of N.C. cities to make an appearance in the U.S. News & World report.

No. 2: Raleigh-Durham

No. 20: Charlotte

No. 46: Winston-Salem

No. 48: Asheville

No. 52: Hickory

No. 94: Greensboro

No. 142: Fayetteville

Are you looking to buy a home in Winston-Salem or any of the surrounding areas? The Sharpe Mortgage Team would love to help. Call us today to set up a time when we can review your financial goals and determine a loan program that might be right for you.

Winston-Salem Home Prices Hit Record High, Outperform NC Metro Areas

ben@octostrategies.com (Ben Thornburg) — Wed, 04 Aug 2021 02:07:18 GMT

Home prices in Winston-Salem continued to increase during the months of April and May, outpacing the state’s other metro areas in terms of price hikes. According to real-estate research firm CoreLogic , home prices in the Winston-Salem area were 14.6% higher in April and 16.23% higher in May over the previous year.

The run-up in prices comes on the heels of the pandemic-driven demand for more yard space in less dense, more affordable areas. Sunbelt cities such as Winston-Salem have been relocation hot spots for years, but the pandemic has only intensified the migration pattern. In addition, low mortgage rates have helped fuel the surge in demand while new construction scrambles to keep pace. Forsyth, Davidson, Davie, Stokes, and Yadkin counties have seen double-digit increases in home price each month of 2021.

As the Winston-Salem Association of Realtors reported, the median home price in Forsyth was $266,830 in April 2021, up nearly 19% a year ago. And while some experts believe prices will eventually plateau or lose momentum over the next year, they do not share the same concerns about a potential housing bubble. Since the 2008 financial crisis, lenders have raised lending standards even beyond the requirements of the Dodd-Frank Act of 2010. The main factor driving up prices now is the existing demand-supply imbalance.

Are you looking to buy a home in Winston-Salem or any of the surrounding areas? The Sharpe Mortgage Team would love to help. Call us today to set up a time when we can review your financial goals and determine a loan program that might be right for you.

Housekeeping And Moving Tips

ben@octostrategies.com (Ben Thornburg) — Fri, 30 Jul 2021 02:04:11 GMT

The Sharpe Mortgage Team is committed to providing you each week with helpful information on topics such as the local market, home trends, homebuying tips, and more. This week we shared information on linen closet organization, top-load and front-load washers, and moving with pets. Read more on these topics below.

Linen Closet Organization

Linen closets hold everything from extra sheet sets and blankets to towels and washcloths. But even in the tidiest of homes, this extra closet can become overwhelmed by underused items. By tidying up your linen closet, your house can be ready for guests in no time. Check out these tips to better organize your linen closet.

Front-Load Vs. Top-Load Washing Machines

According to Consumer Reports, the average washing machine lasts about ten years. If it’s time to replace the washing machine in your home, you should consider the options available to you. Here are some of the differences between front-load and top-load washing machines

Make Moving With Pets Stress-Free

Moving into a new home is an exciting experience. However, it can be unsettling for many pets, which often take a while to adjust to new surroundings and need to be eased into the process. We listed some simple ways to make the transition to your dream home safe and easy for your furry friends.

Winston Salem Neighborhood Spotlight – Stanleyville

ben@octostrategies.com (Ben Thornburg) — Wed, 28 Jul 2021 01:59:35 GMT

Stanleyville is a suburban neighborhood in Winston-Salem located along North Carolina Highway 66, also known as University Parkway, some 15 minutes from downtown. It is home to many farms, including the Clayton Family Farm – listed in 2001 on the National Register of Historic Places.

Stanleyville’s real estate consists primarily of apartment buildings and single-family homes. As many of the homes were built in the last 30 years, its residents are established. According to NeighborhoodScout, the median home price in Stanleyville is $153,440.

With approximately 650 students each, Gibson Elementary and Rural Hall Elementary schools serve the area. Points of interest include a children’s amusement center called Urban Air Adventure as well as Maple Chase Golf and Country Club. Additionally, there are many big-box stores nearby, such as Sam’s Club, Walmart, Marshalls, and Lowe’s.

Are you looking to buy a home in Winston-Salem or any of the surrounding areas? The Sharpe Mortgage Team would love to help. Call us today to set up a time when we can review your financial goals and determine a loan program that might be right for you.

Winston-Salem Neighborhood Spotlight – Waughtown

ben@octostrategies.com (Ben Thornburg) — Tue, 20 Jul 2021 14:05:19 GMT

Waughtown is a Winston-Salem neighborhood located southeast of downtown right off I-40 and John Gold Memorial Expy, stretching across roughly eighteen blocks. The vast majority of the buildings in the Waughtown-Belview Historic District are single-family homes, many of which date back from 1890 through 1915. The oldest property remaining from the pre-civil war period in the district was built in about 1825 at 1620 Waughtown Street.

Though a few more early nineteenth century buildings exist, more than two thirds of homes were built after 1915. As development spanned multiple decades, the neighborhood features a range of architectural styles from Greek Revival and Colonial Revival to Queen Anne to Bungalow/American Craftsman. While the Waughtown-Belview District is predominantly residential, some shopping and dining options as well as grocery stores can be found in the area, mostly along or in close proximity to Waughtown St.

Some points of interest include the Waughtown cemetery as well as three parks (Forest Park, Belview Park and Sprague Street Park). According to Realtor.com, the median list price of homes in the area was $90K as of June 2021, while the median sold price stood at $77K.

Waughtown-Belview was listed on the National Register of Historic Places in 2005.

Are you looking to buy a home in Winston-Salem or any of the surrounding areas? The Sharpe Mortgage Team would love to help. Call us today to set up a time when we can review your financial goals and determine a loan program that might be right for you.

Winston Salem Neighborhood Spotlight – Williamsburg Square

ben@octostrategies.com (Ben Thornburg) — Tue, 13 Jul 2021 14:01:05 GMT

Williamsburg Square is a suburban neighborhood located off Hanes Mall Blvd and Interstate 40. With only 241 residents and an average age of 54 years old, homeowners based in Williamsburg Square have easy access to dining and shopping options as well as medical care within walking distance. Some popular stores and restaurants in immediate proximity include Burger King, Bad Daddy’s Burger Bar, Subway, Best Buy, and Starbucks.

Though the neighborhood prides itself on being lowkey, Williamsburg Square residents form an active community. Its HOA maintains an activity calendar that includes a monthly book club and an annual meeting at the clubhouse. In addition, HOA members can enjoy a community pool open from May through September.

According to Neighborhoods.com , the median list price of homes in Williamsburg is $209,850 based on data from the last 12 months.

Are you looking to buy a home in Winston-Salem or any of the surrounding areas? The Sharpe Mortgage Team would love to help. Call us today to set up a time when we can review your financial goals and determine a loan program that might be right for you.

Summer Home Sales And Moving Tips

ben@octostrategies.com (Ben Thornburg) — Thu, 08 Jul 2021 13:59:40 GMT

The Sharpe Mortgage Team is committed to providing you each week with helpful information on topics such as the local market, home trends, homebuying tips, moving tips and more. This week we shared information on renting a moving truck, the benefits of using a Realtor, and hiring a professional organizer. Read more on these topics below.

Renting a Moving Truck

When moving into a new home, transporting your items from your old house to your new house may seem daunting. And hiring movers to do this job may be unaffordable or pricey depending on how far you are moving and how many items you must move. If you are thinking about moving your belongings on your own, here are a few tips on renting a moving truck.

Realtors Are the Key to Successful Home Sales

Real estate agents bring far more to the table than you may realize. While you may be able to handle the buying or selling of your home on your own, a Realtor can simplify the process, market your home to a larger audience, help negotiate the sale, and make your life much easier. Check out some examples of what they add to the mix.

Hiring A Professional Organizer When Movin g

When moving into a new home, packing and unpacking boxes can be a tedious job. Professional home organizers can be hired to pack or unpack your home, making your moving experience less stressful. To learn how organizers can help you and to find these professionals in your area, click the article above.

Red-Hot NC Real Estate Market Unlikely To Cool Soon

ben@octostrategies.com (Ben Thornburg) — Tue, 06 Jul 2021 12:58:40 GMT

As Winston-Salem, NC real estate agent Jason Bragg told WFAE last month, North Carolina is experiencing a highly competitive housing market with the average home selling in a week or less and receiving multiple offers. “I had a listing two weeks ago where we had over a hundred showings —everybody lined up for a few days,” he said.

The COVID-19 pandemic brought on unexpected effects on the U.S. real estate market and sent home prices skyrocketing. In addition, factory shutdowns and supply chain disruptions due to travel restrictions converged to drive the price of lumber through the roof. These shortages in material have halted or delayed new constructions, putting further strain on housing supplies.

While life has all but returned to near normalcy as vaccination rates go up and safety protocols are lifted, the red-hot NC real estate market seems unlikely to change anytime soon. Though the pandemic had an undeniable impact, the current seller’s market is the byproduct of a number of long-brewing factors.

New home construction has lagged over recent years and has been struggling to keep up with the sudden spike in demand. Add to the mix the longstanding trend of southbound migration from folks up north looking for more affordable living conditions and a warmer climate. And announcements about tech behemoths Google and Apple moving some operations to North Carolina will only stretch already tight real estate markets.

Finally, though mortgage rates are above January’s record low of 2.65%, they are still lower than at any time before COVID-19, spurring a buying frenzy and refinances.

Is there anything that The Sharpe Mortgage Team can do for you this week? If you’re interested in purchasing a home or refinancing your current home in Winston-Salem or the surrounding areas, give us a call ! We can discuss your financial goals and discuss a loan program that might be right for you.

FHA Updates Student Loan Calculation Guidelines And Other Mortgage News

ben@octostrategies.com (Ben Thornburg) — Thu, 01 Jul 2021 12:56:45 GMT

The Sharpe Mortgage Team is committed to providing you each week with helpful information on mortgage news and topics such as the local market, home trends, homebuying tips, and more. This week we shared information on summer outdoor living trends, preparing children for moving, and the latest mortgage news. Read more on these topics below.

Summer Outdoor Living Trends

Over the past year, Americans spent more time outdoors than perhaps ever before. Much like during the height of the pandemic, this summer’s outdoor living trends build on the momentum of bringing indoor conveniences outdoors. Here are a few of these trends.

Preparing Children for Moving

If you are moving your family, it helps to prepare children for living in a new home. It is common for children to experience homesickness and a bit of anxiety about living in a new home. Make the most of your move and follow these tips to help your children feel at home in your new house!

FHA Updates Student Loan Calculation Guidelines to Benefit Homebuyers

Recently, the Federal Housing Administration (FHA) adjusted its guidelines to allow more borrowers to qualify for FHA home loans, specifically those with student loan debt. To learn more about the new policy, check out the article.

Winston Salem Neighborhood Spotlight – West End

ben@octostrategies.com (Ben Thornburg) — Tue, 29 Jun 2021 22:37:08 GMT

West End is a predominantly residential neighborhood adjacent to downtown Winston-Salem. As one of the first streetcar suburbs in North Carolina, the neighborhood was effectively developed at the turn of the century and boasts examples of buildings in the Queen Anne, Neo-Classical Revival, Colonial Revival, and Craftsman styles.

The typical West End street is lined with granite curbs and has one or two narrow grassy strips, often planted with trees, dividing it from the sidewalks. Interestingly, the original brick sidewalks still remain along two stretches of N. Spring Street. As part of the plan for creating a picturesque landscape, West End is home to several parks and green spaces, such as Grace Court, Hanes Park, a memorial garden held by the St. Paul Church as well as some wooded areas scattered about.

While most of West End consists of residential houses, commercial buildings and apartments are present, along with a local YMCA. Brunson Elementary school is located in West End in close proximity to the YMCA. According to Realtor.com, the median list price of homes in West End was $405K as of May 2021, trending up 15.7% year-over-year.

Are you looking to buy a home in Winston-Salem or any of the surrounding areas? The Sharpe Mortgage Team would love to help. Call us today to set up a time when we can review your financial goals and determine a loan program that might be right for you.

Backyard Makeovers And Other Mortgage News

ben@octostrategies.com (Ben Thornburg) — Thu, 24 Jun 2021 22:35:50 GMT

The Sharpe Mortgage Team is committed to providing you each week with helpful information on topics such as the local market, home trends, homebuying tips, and more. This week we shared information on budget-friendly backyard makeovers, closing disclosure, and suburbs with the most space for your money. Read more on these topics below.

Budget-Friendly Backyard Makeovers

Summer months bring longer days, warmer weather, and more time outdoors with friends and family. Looking to update your backyard without breaking the bank? Try some of these great tips to increase the appeal of your yard.

Understanding Your Closing Disclosure

There are many moving pieces when your home loan is being finalized. The closing disclosure is one of the most important documents you will receive during the mortgage process. To learn more about closing disclosure and view an interactive sample, check out the full article.

Suburbs With the Most Space for Your Money

As Americans spent more time at home last year due to the COVID-19 pandemic, many city dwellers set their sights on the suburbs to capitalize on more space for a lower price tag. See list of the top five U.S. suburbs where homebuyers can find the most space for their money.

Winston Salem Neighborhood Spotlight – Washington Park

ben@octostrategies.com (Ben Thornburg) — Tue, 22 Jun 2021 22:33:36 GMT

Image via kidfriendlytriad.com

Washington Park is a predominantly residential neighborhood in Winston-Salem located on steep lands overlooking Salem Creek to the north and encompassing some 25 blocks of irregular configuration with a grid pattern in the center. The neighborhood is also known to some residents as Southside, its name until the late 1980s.

The buildings date from about 1892 to 1940 and include notable examples of Colonial Revival, Queen Anne, and Bungalow/American Craftsman style architecture. The vast majority of homes in the area consist of single-family residences.

Washington Park is home to a sizable canopy of large trees that provides lots of shade and makes for a pleasant neighborhood to live. According to Realtor.com, the median sale price was $315K as of May 2021. In addition, the neighborhood hosts four public schools rated good and higher by GreatSchools.

The district was listed on the National Register of Historic Places in 1992.

Are you looking to buy a home in Winston-Salem or any of the surrounding areas? The Sharpe Mortgage Team would love to help. Call us today to set up a time when we can review your financial goals and determine a loan program that might be right for you.

Home Improvement And Mortgage News Review

ben@octostrategies.com (Ben Thornburg) — Thu, 17 Jun 2021 22:31:37 GMT

The Sharpe Mortgage Team is committed to providing you each week with helpful information on topics such as the local market, home improvement, homebuying tips, and more. This week we shared information on simple ways to add curb appeal to your home this summer, the importance of changing your home air filters, and the effects of the pandemic on millennial homebuyers. Read more on these topics below.

Spruce up your Home’s Summer Curb Appeal

Summer is almost here, and it’s the perfect time to use those extra daylight hours to work on outdoor home improvement projects. Here are ten simple ways to add curb appeal to your home!

The Importance of Changing Your Home Air Filters

Dirty filters in your heating and air conditioning unit can diminish the efficiency of the system, lessen the air quality in your home, and increase your energy bill. By replacing air filters, you can extend the life of your HVAC system and ensure you breath cleaner air. To learn how to change air filters, click the article above.

Effects of the Pandemic on Millennial Homebuyers

While the COVID-19 pandemic brought life to a standstill for most people across the country, it affected the home purchase timeline for millennials in unexpected ways. Find out more about the unprecedented implications of the pandemic for millennial homebuyers.

Winston Salem Neighborhood Spotlight – Old Vineyard

ben@octostrategies.com (Ben Thornburg) — Tue, 15 Jun 2021 22:26:41 GMT

The Old Vineyard neighborhood in Winston-Salem is a small residential neighborhood with well-lit sidewalks and a diverse population of less 1,000 residents.

Forming a quasi-triangular area, Old Vineyard is located between Salem Pkwy on the west and S Stratford Rd on the east and borders Old Vineyard Rd to the south and Silas Creek Pkwy on the northeast. Construction in the neighborhood began in the 1950s and continued through the decades ahead. The architectural styles and housing types are quite varied – ranging from ranch-style to mid-century and contemporary homes.

Old Vineyard sits conveniently close to Wake Forest Baptist Health and Hanes Mall, as well as multiple shopping and dining options. The area is served by Moore Magnet Elementary School. Homes in the neighborhood had a median listing price of $134,900 as of March 2020, according to Realtor.com.

Are you looking to buy a home in Winston-Salem or any of the surrounding areas? The Sharpe Mortgage Team would love to help. Call us today to set up a time when we can review your financial goals and determine a loan program that might be right for you.

Winston-Salem Neighborhood Spotlight – Holly Avenue

ben@octostrategies.com (Ben Thornburg) — Tue, 08 Jun 2021 22:23:44 GMT

The Holly Avenue neighborhood is a fifty-nine acre and twelve-block area on the western side of downtown Winston-Salem. Developed at the turn of the last century, this urban residential neighborhood is known for its rolling, sometimes steep hills. It was listed on the National Register of Historic Places in 2002.

Throughout history, Holly Avenue’s residents have come from all walks of life and income groups and included physicians, factory workers, and many other professionals. Interestingly, Holly Avenue’s residential section is one of the few downtown areas that has remained mostly unchanged from commercial developments. As a result, many of the single-family homes, apartment buildings, and corner stores still feature late-nineteenth and early-twentieth styles.

According to Zillow, the typical home value of homes in Holly Avenue is $235,361, as of April 2021.

Are you interested in moving into a Winston-Salem neighborhood or any of the surrounding areas? The Sharpe Mortgage Team would love to help. Call us today to set up a time when we can review your financial goals and determine a loan program that might be right for you.

Is The NC Triad’s Housing Market In A Deadlock?

ben@octostrategies.com (Ben Thornburg) — Tue, 01 Jun 2021 22:20:34 GMT

Homebuyers are bemoaning the lack of inventory and the fierce competition in the NC Triad’s housing market . But do the numbers back them up?

In short, yes. If no more homes were built in the Triad today, inventory would be gone in about three weeks – as opposed to the usual six months. In addition, the average sales price of Triad homes went up by more than $50,000 in 14 months. With homes averaging out at $200,000, the appreciation in just over a year was a whopping 25%.

As Keller Williams’ real estate agent Jason Coleman explained to WFMY News 2 in a recent interview , the current feeding frenzy on homes shows no signs of abating and may well be the norm for the coming years. The reasons are trifold:

Demand

The pandemic-driven shift to telecommuting has allowed more people from high cost-of-living states, such as California and the northeast, to work and live in more affordable places. As a result, demand for available homes in the Triad skyrocketed, driving the price of homes through the roof.

Supply

Potential sellers have refrained from putting their homes on the market for fear of job loss or financial uncertainty. Additionally, most sellers want to have a new home to move into before they list their homes on the market. With so few homes available due to the fierce competition, many sellers got cold feet about listing their homes.

Higher costs of building

To add insult to injury, the costs of building materials, like lumber, have surged this year and fueled prices for new homes.

Is there anything that The Sharpe Mortgage Team can do for you this week? If you’re interested in purchasing a home or refinancing your current home in Winston-Salem or the surrounding areas, give us a call! We can discuss your financial goals and discuss a loan program that might be right for you.

Great Things For The Housing Market And Other Mortgage News

ben@octostrategies.com (Ben Thornburg) — Wed, 26 May 2021 22:18:50 GMT

The Sharpe Mortgage Team is committed to providing you each week with helpful information on topics such as the local housing market, home trends, homebuying tips, and more. This week we shared information on the latest mortgage news, home equity loans, and tips for planting an herb garden. Read more on these topics below.

Housing Market Inventory Could Increase Across the U.S.

The United States housing market has seen high prices, extraordinary offers, and exceedingly low inventory during the first two quarters of 2021. However, the frenzy could settle ever so slightly as more sellers list their homes in the coming months. Read more on how the housing market is shaping up.

Which Home Equity Loan Is Right for Me?

One of the greatest advantages to homeownership is the ability to build equity over time. You then have the ability to use that equity in the form of either a one-time home equity loan or a home equity line of credit (HELOC). To find out which home equity loan may be right for you, click the article above.

Plant an Herb Garden for Your Home

A great way to add flavor to your cooking and fragrance to your home is to grow an herb garden. Here are some tips.

Is there anything that The Sharpe Mortgage Team can do for you this week? If you’re interested in purchasing a home or refinancing your current home in Winston Salem or the surrounding areas, give us a call! We can discuss your financial goals and discuss a loan program that might be right for you.

Two N.C. Metro Areas Among The Country’s Five Hottest Real Estate Markets

ben@octostrategies.com (Ben Thornburg) — Tue, 25 May 2021 22:15:40 GMT

All across the U.S. the average listing prices for homes have been soaring while inventory continues to hit record lows as homebuyers take advantage of low mortgage interest rates. Of note, two of the five hottest real estate markets in the country are in North Carolina, according to the National Association of Realtors (NAR).

The Jacksonville and Fayetteville metro areas ranked in the top five markets in the country when it comes to demand outstripping supply, according to data released in April 2021 by the NAR. To determine where demand is highest, the NAR uses the ratio of pending sales to active listings. The ratios in Jacksonville, NC, and Fayetteville, NC, were a staggering 5:1 and 4.6:1, respectively. The Triad areas of Greensboro-High Point and Winston-Salem didn’t fall far behind either, notching up ratios of 3.8:1 and 2.6:1, respectively.

The sudden price appreciation has some people asking whether to stay put in their homes or compete in the hot real estate market. Renters in particular are feeling the pinch, as rising home prices increasingly push people out of the housing market. For homeowners raring to relocate, the situation seems more favorable as most have benefited from a gain in equity as the value of their properties increased and want to secure low mortgage rates before they climb again.

Are you looking to buy a home in the Piedmont Triad and take advantage of low mortgage rates while they last? The Sharpe Mortgage Team would love to help. Call us today to set up a time when we can review your financial goals and determine a loan program that might be right for you.

The Demand For Home Renovations Is High In Winston-Salem And Nationwide

ben@octostrategies.com (Ben Thornburg) — Thu, 20 May 2021 22:13:46 GMT

The Sharpe Mortgage Team is committed to providing you each week with helpful information on topics such as the local market, home trends, home renovation, homebuying tips, and more. This week we shared information on the latest mortgage news, the components of a mortgage, and tips on starting a raised bed garden. Read more on these topics below.

Raised Bed Gardening Tips

Have you considered adding raised bed gardens to your yard? Raised bed gardens come with many benefits, including weed control, good soil options, and higher production. But before you begin raised bed gardening, make sure to follow these important tips!

What Is a Mortgage?

When you are ready to buy a house, you will most likely need a mortgage loan. Put simply, a home mortgage is a loan given by a bank or lender to help finance the purchase of a house. What many people don’t know is that a mortgage is made up of several components. As purchasing a home will likely be the largest financial decision in your life, it is helpful to understand what goes into your monthly payments.

Home Renovation Demand Stays High in 2021

Over the past year, the home renovation business in the United States has been hotter than ever before. Due to the COVID-19 pandemic, people were forced to spend more time at home, allowing them to notice flaws and feel the need for more livable spaces. Learn more about experts’ predictions for 2021 and the following year in regard to home renovation.

Greensboro Homes Selling Fast As Inventory Hits New Low

ben@octostrategies.com (Ben Thornburg) — Wed, 19 May 2021 22:11:59 GMT

While the Piedmont Triad has been seeing an acute shortage of houses, which has led to bidding wars and offers that far exceed asking prices, the Greensboro area has hit new lows when it comes to housing inventory. According to Triad MLS, there was only a 0.8-month housing supply in Guilford Country for February 2021. In other words, if no new homes were to be listed, it would take less than a month for the housing inventory to be depleted. The report marks a sharp drop from the 1.9-month supply in February 2020 – a nearly 60% decline.

In February 2021, there were 478 homes available in Guilford County, down 53.2% year-over-year. The city of Greensboro alone had 256 homes listed for sale in February 2021, down from 490 in February 2020. And the months’ supply in Greensboro was 0.8 month in February 2021, down 52.9% from 1.7 months that same time last year.

Neighboring counties have experienced similar trends. Rockingham County had a 1.3-month supply, down 53.6% from 2.8 in February last year. Randolph County recorded a 57% drop at 0.9 months, down from 2.1 months around the same time.

Are you looking to buy a home in Greensboro or any of the surrounding areas? The Sharpe Mortgage Team would love to help. Call us today to set up a time when we can review your financial goals and determine a loan program that might be right for you.

Burlington, NC Named Among Hottest Real Estate Markets In U.S.

ben@octostrategies.com (Ben Thornburg) — Tue, 11 May 2021 22:07:57 GMT

When Realtor.com released their 2021 list of cities where homes are selling fastest, a Triad city came in right at the top. Burlington, NC ranked the fourth hottest housing market in the country. And while Burlington’s real estate market has roared past other neighboring towns, homebuying activity has been robust all across the Piedmont Triad, spurred by buyers with increased spending power thanks to low mortgage rates.

Factors such as lower cost of living and recent growth and development in the region are drawing people from out of town to the Burlington area. Its location between bigger cities allowing commuters to get to work easily is another upside for many who do not telecommute or are expected to return to office.

But as the pandemic accelerated, the adoption of remote work and the demand for larger homes have also increased. This pent-up demand has been highlighted by real estate agent Amber Harvalias at The A Team at Keller Williams, who told FOX8 , “Most of our homes are selling at 4-5% over sales price.” And inventory isn’t keeping up with the demand. “We literally go knock on doors and say hey, we have a buyer interested in your home, are you interested in selling,” she said. “About one and a half to two homes are selling for every home listed. That’s what’s driving inventory to be extremely low right now.”

Learn more about Burlington by watching the video below.

Are you looking to buy a home in Burlington or any of the surrounding areas? The Sharpe Mortgage Team would love to help. Call us today to set up a time when we can review your financial goals and determine a loan program that might be right for you.

Top 3 Greensboro Zip Codes With The Greatest Home Appreciation

ben@octostrategies.com (Ben Thornburg) — Thu, 06 May 2021 22:03:14 GMT

As temperatures begin to rapidly climb in May, so does the spring housing market. Low mortgage rates and a shift to remote work have fueled a significant increase in housing demand. As we enter the peak homebuying season, buyers are facing fierce competition when putting in offers on a home.

While home prices have soared across the Piedmont Triad and the nation as a whole, many buyers are now sitting on a pile of savings that they were able to grow as a result of lockdown and travel restrictions imposed last year.

To help buyers predict the future of the value of their homes and make wise investments, WFMY News recently compiled data from Info Sparks’ ‘Triad Multiple Listing Service’ – which is used to by realtors, appraisers and banks to assess a home’s value – and ranked the top 3 areas in Greensboro with a history of success. Local real estate agent Drew Mathison of The Commend Team at Keller Williams has also weighed in on what differentiates these neighborhoods. Have a look!

Zip code 27410 – Greatest appreciation

Homes in the 27410 zip code have seen an average of a 14 percent increase in property value in the last decade, the highest in Greensboro, according to Info Sparks’.

What increases its value: Proximity to the airport, large neighborhoods
Mathison: “People move into that area and some of those neighborhoods and tend to want to stay there, from what I’ve seen. So that tends to make the prices climb because people buy because they want that [They’ll buy] more on emotions.”

Zip code 27455 – Most consistent

A concentrated effort has been made to build north of the city and south of Highway 150 between N. Church St. and Lawndale Dr. in recent years, Mathison said. This zip code has seen the most consistent year-to-year appreciation of home values in Greensboro.

What increases its value: Lakes, more space, growth
Mathison: “There are new construction developments that are really, really strong right there. So we’ve seen a really stable market in resales and new construction.”

Zip Code 27408 – A bit of both, but more expensive

Perhaps the most valuable land in Greensboro is centered around three neighborhoods: Old Irving Park, New Irving Park, and Kirkwood. The proximity to Greensboro combined with higher-end developments makes Mathison believe home values in this area will continue their run of prolonged growth.

What increases its value: Proximity to city, businesses, and schools. High-value neighborhoods
Mathison: “ As a whole, Greensboro is very stable, but we’ve seen a great increase in value here.”

Winston-Salem Weekly Mortgage News Roundup

ben@octostrategies.com (Ben Thornburg) — Thu, 29 Apr 2021 21:58:54 GMT

The Sharpe Mortgage Team is committed to providing you each week with helpful mortgage news and information on topics such as the local market, home trends, homebuying tips, and more. This week we shared information on preparing your home for warmer weather, what a buyer’s agent does, and how to use Instagram for business. Read more on these topics below.

Prepare Your Home for Warmer Weather

Warmer weather is beginning to show up across the country! Is your home ready for the heat of summer? There are several steps you can take to make sure that your home can withstand the weather that the coming season will bring. Check it out!

What Does a Buyer’s Agent Do?

A buyer’s agent serves as an advisor and advocate for the homebuyer during the entire homebuying process. It’s important that you have an expert that can advise and negotiate on your behalf. Find out what else you can expect a buyer’s agent to do!

How to Use Instagram for Business

Real estate agents can use Instagram to generate leads, sales, and referrals. Instagram’s focus on sharing beautiful pictures makes it the perfect social media platform for real estate agents to post photos of home listings and home features. Follow these steps to boost your business using Instagram!

Winston-Salem Neighborhood Spotlight – Old Salem

ben@octostrategies.com (Ben Thornburg) — Tue, 27 Apr 2021 21:56:37 GMT

The Old Salem Neighborhood in Winston-Salem is a historic district originally settled by the Moravian community in 1766. The district features restored and reconstructed Moravian-style buildings and some cobblestone streets.

Old Salem offers historical tours and classes with staff dressed in period clothing. Whether or not you are a history buff, a simple stroll around the district will transport you through time, as 70% of the buildings in the area are still original. While you are at it, remember to stop by Winkler Bakery and try the delicious Moravian cookies.

Other points of interest include Home Moravian Church and the Moravian Archives; Old Salem Visitors Center; St. Philips, the oldest standing African American Church in North Carolina; the Museum of Southern Decorative Arts; Salem Academy; Salem College; the 1800 Tannenberg Organ, the largest organ in existence; and Muddy Creek Cafe.

If you are captivated by the history-filled beauty of Old Salem and want to live in close proximity, the median list price of homes in West Salem was $209K, according to Realtor.com as of March 2021.

Weekly Mortgage News From The Sharpe Mortgage Team

ben@octostrategies.com (Ben Thornburg) — Thu, 22 Apr 2021 21:55:09 GMT

The Sharpe Mortgage Team is committed to providing you each week with mortgage news and helpful information on topics such as the local market, home trends, homebuying tips, and more. This week, we shared information on planting the perfect spring container garden, what a mortgage loan processor does, and how to use Twitter to promote real estate business. Read more on these topics below.

Planting The Perfect Spring Container Garden

Planting container gardens around the outside of your home can add some color and curb appeal. Container gardens are great for all types of homes, but they are a particularly excellent option if you live in a condo or home with limited yard space. Here are some tips for creating the perfect spring container gardens.

What Does a Mortgage Loan Processor Do?

Have you ever wondered what we do behind the scenes to get your loan funded in a timely fashion? A great loan processor can make the difference in your loan being approved or declined by how they present your loan package to the underwriter. Learn more about the loan processor’s role in the mortgage process!

How to Use Twitter to Promote Your Real Estate Business

Are you tweeting? Twitter’s dynamic and easy-to-use format makes it a great tool to build your real estate business by engaging and strengthening your relationships with clients, prospective customers, and business partners. Check out all the ways you can engage your audience with Twitter.

Winston-Salem Neighborhood Spotlight – South Fork

ben@octostrategies.com (Ben Thornburg) — Tue, 20 Apr 2021 21:52:59 GMT

South Fork is a Winston-Salem neighborhood located around the Country Club Road. It is conveniently close to grocery stores, restaurants, and retail stores. Schools that serve the area include South Fork Elementary School, Wiley Middle School, and Reynolds High School.

The South Fork Community Center hosts numerous events throughout the year. Other points of interest in the area include Forsyth Country Club, South Fork Park, Hathaway Park, and the Greek Orthodox Church.

According to Realtor.com , homes for sale in South Fork have a median listing price of $188,750 as of March 2021. Home size and styles vary greatly in the area, ranging from manor homes to ranch-style homes to condos.

Mortgage News From The Sharpe Mortgage Team

ben@octostrategies.com (Ben Thornburg) — Thu, 15 Apr 2021 21:50:27 GMT

The Sharpe Mortgage Team is committed to providing you each week with helpful information on topics such as the local market, home trends, homebuying tips, mortgage news, and more. This week we shared information on spring front porch plants, energy efficiency in new constructions, and how to use Instagram for business. Read more on these topics below.

Spring Front Porch Plants

Liven up your front porch by accenting with colorful container gardens and hanging baskets. When creating potted plants, use a mixture of colors as well as heights and textures. Here are some perfect plants for springtime pots!

Homebuyers Want Increased Energy Efficiency

According to a consumer survey from the National Association of Home Builders, energy efficiency is an important factor to many buyers shopping for new-construction homes. Find out which energy-efficient home features are most popular among homebuyers!

How to Use Instagram for Business

Real estate agents can use Instagram to generate leads, sales, and referrals. Instagram’s focus on sharing beautiful pictures makes it the perfect social media platform for real estate agents to post photos of home listings and home features. Learn more on how to boost your business with Instagram!

Winston-Salem Neighborhood Spotlight – Buena Vista

ben@octostrategies.com (Ben Thornburg) — Tue, 13 Apr 2021 21:48:53 GMT

Buena Vista is a sophisticated Winston-Salem neighborhood located just northwest of downtown. This leafy neighborhood follows along Buena Vista Rd NW and is dissected by heavily traveled Stratford Rd NW. Despite its proximity to the city’s bustle, the neighborhood is quite peaceful and private. It boasts streets and sidewalks lined with mature oaks and many all-brick and historic homes, ranging from $139.5K to $2.1M. As of March 2021, the median listing home price in Buena Vista was $764.5K, according to Realtor.com .

In addition to the amenities of nearby downtown, the area is home to Reynolds Auditorium, Historic Reynolda House Museum of American Art, Reynolda Village, Diamond Back Grill, and 1703 Restaurant. Neighborhood schools include Whitaker Elementary School, Brunson Elementary, Wiley Middle School, RJ Reynolds High School, Summit School (private), and St. Leo’s Catholic School (private).

Are you interested in moving into a Winston-Salem neighborhood or any of the surrounding areas? The Sharpe Mortgage Team would love to help. Call us today to set up a time where we can review your financial goals and determine a loan program that might be right for you.

Weekly Mortgage News From Winston-Salem

ben@octostrategies.com (Ben Thornburg) — Thu, 08 Apr 2021 21:46:36 GMT

The Sharpe Mortgage Team is committed to providing you each week with helpful information on topics such as the local market, home trends, homebuying tips, and more. This week we shared information on spring lawn care tips, the role of a mortgage underwriter, and Facebook practices for Realtors. Read more on these topics below.

Spring Lawn Care Tips

Oh spring, you wonderful thing! With the warmer temperatures settling in across the Piedmont Triad, many bloomers are waking up and dotting the landscape with beautiful colors. But to keep your lawn looking great all season, you must dust off that lawn mower and follow these tips!

What Does a Mortgage Underwriter Do?

Before your loan can be funded, your application needs an underwriter’s stamp of approval. It is the job of the underwriter to “nitpick” the information you provided for any missing items and make sure it meets the particular loan guidelines. Learn more about the underwriter’s role in the mortgage process!

Facebook Practices for Realtors

Facebook is the largest social media platform in the world and boasts an impressive two billion daily active users. The behemoth offers real estate agents a way to promote their properties and attract new buyers. To make sure you are taking full advantage of your Facebook business page, check out these best practices for Realtors.

Winston-Salem Neighborhood Spotlight – Ardmore

ben@octostrategies.com (Ben Thornburg) — Tue, 06 Apr 2021 21:26:36 GMT

Ardmore is a popular Winston-Salem neighborhood located near Wake Forest University Baptist Medical Center, the largest employer in Forsyth County with more than 13,440 employees. As a result, the area attracts many medical students as well as young families and retirees. The neighborhood is also home to one of the largest parks in Winston-Salem, Miller Park. The park offers trails that wind through the woods and over a creek, making for an ideal spot to exercise and take your dog out on a walk.

Less than a mile away from Miller Park is S Stratford Road, the primary retail corridor and shopping destination in Winston-Salem. Notable shops include Trader Joe’s, The Home Depot, Costco Wholesale, Sam’s Club, Target, Lowe’s, and Pet Supermarket. In addition, near the intersections of Knollwood, Hawthorne & Magnolia is a small shopping area that boasts coffeeshops and a Food Lion.

Situated in the 27103 postal area, the median home price in Ardmore is $228.7K, according to Realtor.com as of February 2021. Schools in the neighborhood include Bolton Elementary, newly renovated Moore Elementary, and Redeemer School (private).

15 Hottest Winston-Salem Neighborhoods From A To Z

ben@octostrategies.com (Ben Thornburg) — Tue, 30 Mar 2021 21:23:09 GMT

We have listed 15 of the hottest neighborhoods in Winston-Salem to help you zero in on a Winston-Salem neighborhood that best suits your needs and lifestyle. As more Americans move south for warmer weather, lower prices and more living space, Winston-Salem is becoming a hotspot for opportunities and growth. The Innovation Quarter, a downtown-based research park that encompasses 90 companies, over 1,000 residences and 5 academic institutions, is one of the areas that is driving economic development in the Piedmont Triad and attracting entrepreneurial minds from all over the country.

In addition to offering opportunities for career growth, the “Twin City” , as locals dub Winston-Salem, sits within a 3-hour driving radius from the beach out east and the mountains in the western portion of the state. While the city continues to see more entertainment options and retail to support the residential growth, it proudly holds on to its musical heritage that includes bluegrass, jazz, and Moravian music.

If you are sold on Winston-Salem and surrounding areas by now and want to make the move, check out these Winston-Salem neighborhoods for your next home in the Triad:

Arcadia

Arcadia is a suburban neighborhood primarily made up of small to medium-sized apartments and single-family homes.

“I enjoy being away from the busy streets closer to town, but the proximity of Winston-Salem and Lexington are an added bonus. I have never had any problems with other persons in area. Great public school and wonderful BBQ!!” – Niche user

Ardmore

Ardmore is a dog-friendly neighborhood with plenty of parks to walk your best friend or to play with your kids.

“Ardmore is a great community. People are always out and about, walking dogs, getting coffee; grabbing groceries… everything is so accessible and being so close to Miller Park is amazing too. “ – Trulia user

Atwood Acres

This Winston-Salem neighborhood is very quiet and has many older residents.

“Very great location and good for walking your dogs or kids. Peaceful neighborhood. A lot of older people in this neighborhood.” – Trulia user

Mount Tabor

This is a kid-friendly neighborhood with lots of dogs and little traffic. Grocery stores are within walking distance.

“The neighbors in this area are very friendly and willing to help each other in many ways. Great parks, exercise areas, volleyball, walking trails and tennis courts. Kids love it. You are located close to shopping, restaurants, grocery stores. Great place to live. “ – Trulia user

Old Town

As its name gives away, this historic neighborhood boasts many parks and is home to a traditional golf club established in 1939.

Olde Vineyard

Old Vineyard is a diverse neighborhood featuring many midcentury and ranch-style homes.

Sherwood Forest

Sherwood Forest features many brick-style homes and tons of wooded areas. Its popular neighborhood pool is a meeting point for many families with kids.

South Fork

South Fork is a safe community with large yards and in close proximity to grocery stores, a gym and more.

“We’ve lived here for a year and a half now, it’s centrally located to just about everything important. We aren’t close to our neighbors, but like having a large yard and a relatively safe place to live.” – Trulia user

Stanleyville

Stanleyville is a suburban Winston-Salem neighborhood that preserves a rural feel. This is a wonderful community for those looking to get more acreage and privacy.

Waughtown

Waughtown is known for its friendly, tight-knit community, making it an ideal place for families with small children.

“It’s a great place to raise kids and also you have a variety of beautiful parks for the kids and family “ – Trulia user

West Highlands

West Highlands is perfect for retirees, offering a safe and quiet environment. The neighborhood is also near Wake Forest Baptist Health as well as Whole Foods and Publix.

West Oaks

This Winston-Salem neighborhood is growing by the day with newer constructions alongside older homes.

West Salem

West Salem is one of the oldest neighborhoods of Winston-Salem. As such, the area is very close to downtown and is an attractive spot for younger adults.

“I love West Salem! You can walk to the baseball games, downtown, Church and Old Salem. Granville park has family events-live music and the tennis courts are awesome. It is downtown living so if you expect the same experience as rural living it is not for you. I never experienced a problem in 10+ years of living in West Salem.” – Trulia user

West View

West View is a suburban community made up of medium to large single-family homes and townhomes. Many of its residents are retirees and families with school-age children.

Williamsburg Square

This neighborhood is home to an older demographic and is close to an abundance of shops, including Best Buy, Barnes and Noble, Costco, Target, Sam’s Club, Home Depot, and more.

For more information, click here .

March Mortgage News Review

ben@octostrategies.com (Ben Thornburg) — Thu, 25 Mar 2021 21:19:09 GMT

As we near the end of the month, here are some mortgage news review topics that The Sharpe Mortgage Team would like to share with you. We are committed to providing you each week with helpful information on topics such as the local market, home trends, homebuying tips, and more. This week we shared information on what to look for in a mortgage planner, spring cleaning organization tips, and homeownership myths. Read more on these topics below.

What to Look For in a Mortgage Planner

Buying a home is likely going to be one of the largest financial decisions in your life. As such, taking your time to find the right mortgage planner should be a critical part of the homebuying process. To help you ask the right questions to mortgage planners, use the acronym “PRESS”. Learn more what each letter means.

Spring Cleaning Organization Tips

Organizing the cleaning process can alleviate your angst as well as streamline the process to finish quickly. Follow these simple tips to organize your spring-cleaning efforts.

Homeownership Myths Debunked

Making the transition from a renter to a homeowner can be overwhelming. With so much information available to those looking to purchase, misconceptions are bound to happen. We debunked some common myths to put your mind at ease when applying for a mortgage loan.

Is there anything that The Sharpe Mortgage Team can do for you this week? If you’re interested in purchasing a home or refinancing your current home in Winston Salem or the surrounding areas, give us a call! We can discuss your financial goals and discuss a loan program that might be right for you.

Spring Mortgage News From Winston-Salem

ben@octostrategies.com (Ben Thornburg) — Thu, 18 Mar 2021 21:16:52 GMT

The Sharpe Mortgage Team is committed to providing you each week with helpful information on topics such as the local market, home trends, homebuying tips, and more. This week we shared information on making your best offer on a home, cleaning the exterior of your home, and creating a schedule for a stress-free move. Read more on these topics below.

Make Your Best Offer On A Home

In a seller’s market – as we are currently experiencing – buyers must go above and beyond to make sure their offer beats the others. A confident bid, however, should always involve a lot of research on the buyer’s side so both parties feel as though this would be the best possible deal. Find out what you need to make your best offer on a home you love.

Spring Cleaning the Exterior of Your Home

As the weather begins to warm up, we have an excellent opportunity to spend some time outdoors cleaning the winter away. With a little elbow grease, you can create some serious and stunning curb appeal.

Creating a Schedule for a Stress-Free Move

Moving into a new home is exciting but can become stressful with so many steps in the process. Read on to learn how to lay out a schedule and determine all the tasks that need to be completed before moving day.

Is there anything that The Sharpe Mortgage Team can do for you this week? If you’re interested in purchasing a home or refinancing your current home in Winston-Salem or the surrounding areas, give us a call! We can discuss your financial goals and discuss a loan program that might be right for you.

The Sharpe Mortgage Team Weekly Review

ben@octostrategies.com (Ben Thornburg) — Thu, 11 Mar 2021 22:10:57 GMT

The Sharpe Mortgage Team is committed to providing you each week with helpful information on topics such as the local market, home trends, homebuying tips, and more. This week we shared information on loan-to-value ratio, how to clean your washer and dryer, and limiting post-purchase repairs. Read more on these topics below.

Understanding Loan to Value Ratio

When purchasing a home, you will likely hear the acronym LTV being thrown around. Lenders use loan-to-value (LTV) to gauge how risky a loan to a prospective borrower might be. Check out the above article to understand what goes into the calculation of your LTV.

How to Clean Your Washer and Dryer

Most people tend to forget that their washer and dryer need to be cleaned on a regular basis. Some of the residues from your clothes may end up collecting in the washer’s crevices. Mildew can also be a problem and make your clothing smell musty. Read more on how to give these appliances a good cleaning!

Limit Repairs When Purchasing A Home

If you are purchasing a pre-owned home, your maintenance costs are likely to be higher than with a new home. While you may be able to negotiate with the seller to have certain repairs completed prior to the purchase, you may also have to pay out of pocket. We’ve rounded up a few tips to ensure you limit costly repairs and avoid money pits.

Is there anything that The Sharpe Mortgage Team can do for you this week? If you’re interested in purchasing a home or refinancing your current home in Winston Salem or the surrounding areas, give us a call! We can discuss your financial goals and discuss a loan program that might be right for you.

Great News For Winston-Salem Real Estate – Moving Up Or Downsizing May Be Easier Than Ever

ben@octostrategies.com (Ben Thornburg) — Tue, 09 Mar 2021 22:09:07 GMT

Great news for the Winston-Salem real estate market!

December 2020 saw a 10.4% annual increase in home prices across the country, according to the Case-Shiller Home Price Index from S&P Dow Jones Indices and CoreLogic . The report was released on February 23, 2021, and covers all nine U.S. census divisions.

The U.S. National Index posted a 0.9% month-over-month increase before seasonal adjustment. After seasonal adjustment, the month-over-month increase came in at 1.3%. The trend of rising home prices began in June 2020 and has not waned since. Last year’s 10.4% gain “marks the best performance of housing prices in a calendar year since 2013”, said Craig Lazzara, managing director and global head of index investment strategy at S&P Dow Jones. “From the perspective of more than 30 years of S&P CoreLogic Case-Shiller data, December’s year-over-year change ranks within the top decile of all reports.”

As the COVID-19 pandemic forced the closure of offices and precipitated a shift to remote work for millions of people, the data appears to align with the view that more Americans have moved from urban apartments to suburban homes. In addition, mortgage rates have plummeted to record lows, driving the demand up.

In North Carolina, Charlotte saw a 10.2% year-over-year price increase, according to the same report. While the 20-city composite does not include Winston-Salem real estate, housing prices in the Triad city have followed the upward trend, finishing 2020 on a strong note.

If you have been considering moving up or downsizing your home, now may be the best time to list. When you are ready buy a property in Winston-Salem or the surrounding areas, The Sharpe Mortgage Team would be happy to discuss your homebuying options and work on a personalized plan to help make your lending experience stress-free. Call us today to set up an appointment!

Hanes’ Pfafftown Estate To Be Converted Into 300-350 Single-Family Homes

ben@octostrategies.com (Ben Thornburg) — Tue, 02 Mar 2021 21:02:01 GMT

Great news for Winston-Salem real estate! The Winston-Salem Journal has recently reported that a 184-acre Pfafftown estate has been sold for $4.5 million. The properties included in the estate are listed as a 23.8-acre site at 2740 Spicewood Drive with a 1,531-square-foot guest/boat house; a 21-acre site at 2750 Spicewood Drive with a 9,487-square-foot Georgian manor house; and an undeveloped tract of 139.5 acres.

The buyer, Clayton Properties Group Inc. of Maryville, Tenn., has plans to build between 300 and 350 single-family homes on the property, which will sell under the Shugart Homes brand. The expected time of completion for the first homes is late 2022 or early 2023. While the developers plan to tear down the manor house, the guest and boat house on the property’s 22-acre lake would undergo a remodel and be part of the development’s amenities.

Mungo chief executive Steven Mungo said there will be multiple price points for the homes, with the bigger lots located near the lake. Though starting prices have not been disclosed yet, Mungo said the median sale price was $279,000 for its Triad properties over the past 12 months.

The Winston-Salem real estate market has been experiencing a surge in sales and median sales prices. Earlier this year, the Winston-Salem Association of Realtors reported that the median sales price in Forsyth County was $248,126 in November 2020 and $242,802 in December 2020, up from $203,281 in November 2019 and $209,022 in December 2019.

Are you interested in purchasing a home in Winston-Salem or the surrounding areas and building equity into your future? The Sharpe Mortgage Team would love to discuss your financing options and refer you to one of our trusted real estate partners. Call us today !

Winston-Salem Weekly Mortgage Review

ben@octostrategies.com (Ben Thornburg) — Thu, 25 Feb 2021 21:00:04 GMT

The Sharpe Mortgage Team is committed to providing you each week with helpful information on topics such as the local market, home trends, homebuying tips, and more. This week we shared information on reasons to consider school districts when house-hunting, how to set up an emergency fund, and what it means to refinance your mortgage. Read more on these topics below.

Reasons To Consider School Districts When Purchasing A Home

Families tend to place great emphasis on buying a home within top-rated school districts. But whether or not you have a family with school-age children, areas with exceptional schools tend to hold value even in a “down market” and may likely boost the value of your home when the time comes to sell it. We have compiled some resources to help you learn more about the various school districts in your area.

Set Up an Emergency Fund

Life can sometimes throw us a curveball. This could be a medical bill, home and auto repair, or unemployment. It is important to be prepared for these unexpected events and squirrel some money away for times of need. Here are some tips and tricks to help you work towards your emergency fund goal.

What Does It Mean to Refinance

One of the most beneficial reasons to refinance is to save money on interest expenses and monthly payments. With the current low mortgage rates, now may be the perfect time to refinance your mortgage. The process is quite similar to the purchase mortgage process. To learn more, check out the article above!

Is there anything that The Sharpe Mortgage Team can do for you this week? If you’re interested in purchasing a home or refinancing your current home in Winston-Salem or the surrounding areas, give us a call ! We can discuss your financial goals and discuss a loan program that might be right for you.

Everything You Need To Know About Multigenerational Housing

ben@octostrategies.com (Ben Thornburg) — Tue, 23 Feb 2021 20:56:01 GMT

The U.S. Census Bureau defines multigenerational housing as households consisting of more than two generations living under the same roof. The reasons for purchasing a multi-generational home can be manifold and fluctuate according to age group.

In its 2020 Home Buyers and Sellers Generational Trends report, the National Association of Realtors® found that 12% of home buyers purchased a multigenerational home to take care of aging parents. Some of the motivations include children over the age of 18 were moving back home and cost savings. The report also highlighted that 18% of buyers aged 74 to 94 purchased a multi-generational home.

Millennials have led the movement toward multigenerational households. But while many buyers move in together with family to take care of aging parents, the younger generation is often drawn by the benefits of pooling multiple incomes, such as saving on mortgage and being able to afford a larger home. With the pandemic shifting Americans’ living patterns, there may be a greater demand for this type of household.

Make sure to discuss the benefits and disadvantages of multigenerational housing before you make the call. Some homes are custom-built for multigenerational living and feature physical boundaries that provide privacy and comfort for different generations. Some homes can also be easily converted to fit your lifestyle. Basement apartments, in-law suites, or separate guest homes are some of the spaces you may want to look for in a house.

Are you interested in purchasing a multi-generational home in Winston-Salem or the surrounding areas? The Sharpe Mortgage Team would love to discuss your financing options and refer you to one of our trusted real estate partners. Call us today !

Winston-Salem Weekly Mortgage Recap

ben@octostrategies.com (Ben Thornburg) — Fri, 19 Feb 2021 20:54:01 GMT

The Sharpe Mortgage Team is committed to providing you each week with helpful information on topics such as the local market, home trends, homebuying tips, and more. This week we shared information on advantages of home security systems, the ideal neighborhood, and financial benefits of homeownership. Read more on these topics below.

Benefits of Home Security Systems

While the main reason to installing a home security system may be to deter crime and protect your valuables, these systems provide advantages that go far beyond safety. Modern home security systems offer the homeowner the ability to see what is going on and remotely control locks, lights, and appliances from your phone. To learn more, click the article above!

Find a Neighborhood You’ll Love

In the search for the perfect home, the neighborhood in which it is located is just as important as the property itself. Make sure to narrow your search down to one or two neighborhoods before you set out to house-hunt. We have rounded up some factors to consider when picking a neighborhood that suits your lifestyle and needs!

Financial Benefits Of Home Ownership

There is no doubt that purchasing a home is one of the largest financial decisions you will make in life. It is important you understand every nuance around homeownership, from your mortgage payments to maintenance costs. The financial benefits, however, can also be plenty. Check out how purchasing a home may be in your best interest!

Is there anything that The Sharpe Mortgage Team can do for you this week? If you’re interested in purchasing a home or refinancing your current home in Winston-Salem or the surrounding areas, give us a call! We can discuss your financial goals and discuss a loan program that might be right for you.

Sell Your Winston-Salem Home Quickly By Making It Market Ready!

ben@octostrategies.com (Ben Thornburg) — Tue, 16 Feb 2021 20:52:31 GMT

Have you been thinking it may be time to sell your home and purchase a new one? Contrary to what many presumed, the ongoing pandemic has not slowed the prices of single-family homes in North Carolina. In fact, these unprecedented times have only exacerbated the seller’s market effect . With the boom in sales and the current low inventory, prices have been on the rise. If you are considering putting your house on the market, this may be the perfect time!

We have rounded up some tips to get your home sale on the fast track!

Have a friend or your real estate agent take a tour of your home. Realtors are trained to view a property with a buyer’s eyes and can help you determine any areas for improvement.
Schedule a full home inspection and fix any problems – from plumbing down to pest control.
Steam-clean your carpets to remove dirt and debris deep in the fibers. If your carpet is too damaged or torn, consider replacing it.
Add a fresh coat of paint. If you decide to repaint a room, make sure to pick neutral colors that can appeal to a wide range of homebuyers.
Kitchens can often make or break a deal. If you cannot replace dated appliances and cabinets, there are other inexpensive ways to give it a fresh look, such as swapping out hardware and countertops. New backsplashes can also modernize the look of your kitchen.
Replace heavy, old lighting fixtures and change out cabinet pulls, hinges, faucets, or windows.
Leave countertops, bookshelves, tabletops, or any surfaces clear of any clutter. Remember that buyers are easily distracted and overwhelmed.
Remove all personal artworks and pictures, as you want your potential buyers to visualize themselves living in the space and not be looking at the homeowner’s family photos. There is no harm in leaving neutral wall art up, though.
Deep clean! Ideally, you will want to hire a professional team to deep clean every nook and cranny of your home. If your house is not too big, you can always do it yourself. Just make sure your home is squeaky clean prior to showings.

In addition to the interior of your home, take some time to spruce up the outside, too. Mow the lawn, clean the gutters, plant some flowers, and keep walkways and driveway clear. Making a good first impression is paramount! When in doubt, hiring a home stager can be a great investment. Your real estate agent likely has several home stagers that they work with and can provide you with the name of someone they trust, but I am certainly happy to recommend someone as well.

Call The Sharpe Mortgage today so we can talk about the next steps toward buying your new home !

Winston-Salem Weekly Mortgage News

ben@octostrategies.com (Ben Thornburg) — Thu, 11 Feb 2021 20:50:50 GMT

The Sharpe Mortgage Team is committed to providing you each week with helpful information on topics such as the local market, home trends, homebuying tips, and more. This week we shared information on smart home security devices, home improvements with highest ROI, and home staging tips. Read more on these topics below.

Smart Home Products That Provide Safety

Smart homes are no longer a thing of the future. When it comes to security, smart home devices range from smart locks to doorbell cameras to smoke detectors. These products provide not only safety but also convenience. They can be accessed remotely and programmed according to your needs. Let’s explore some of the most popular smart home appliances that provide enhanced protection.

Home Improvements with the Highest Return on Investment

Are you planning on starting a home improvement project this year? If you are, it is important to know which renovations will add the most value to your property. Doing so will give you higher return on investment when the time comes to put your house on the market. Check out these foolproof projects that can help you get a better price for your home.

Home Staging Could Help Sell Your House

The spring real estate market is right around the corner. The spring season is when most homebuyers start looking for the house of their dreams. What a better way to boost offers and increase your home value than hiring a home stager? Let’s take a look at all the ways home staging could be of benefit.

Is there anything that The Sharpe Mortgage Team can do for you this week? If you’re interested in purchasing a home or refinancing your current home in Winston Salem or the surrounding areas, give us a call! We can discuss your financial goals and discuss a loan program that might be right for you.

The Sharpe Mortgage Team Can Provide A Successful Lending Experience

ben@octostrategies.com (Ben Thornburg) — Wed, 10 Feb 2021 20:49:05 GMT

A positive home loan experience hinges on a number of factors. The Sharpe Mortgage Team strives to keep you engaged at every step of the mortgage process to make your experience as smooth as possible. Let’s take a look at what you can expect from a successful lending experience!

Discussing your goals – to help you decide on the best loan programs for your needs, it is important that we discuss your short and long-term goals. Your financial and homeownership goals should center on what you are looking to accomplish with the mortgage. How long are you planning to live in the house? Are you most concerned with minimizing interest expense or securing the lowest monthly payment possible?

Maintaining constant communication – The Sharpe Mortgage Team understands that communication is key to ensuring a positive customer experience. I will provide you with updates on the loan process every step of the way. Whether you prefer phone calls, texts, or emails, my goal is to keep you informed at all times.

Creating a timeline – while the day is yet to come when the need for paperwork is eliminated, there are still a number of forms and documents that I will need from you. Working together to create a timeline for paperwork submission can help you stay on track and ensure that you close on time.

Keeping me posted – Communication is a two-way street. Our circumstances are largely affected by things we have no control over. Be open about any adverse events such as a pending divorce, changes in employment, or unreliable income.

Galvanizing the team – I believe in an inclusive process where all parties involved are kept in the loop throughout the entire process. I will work with real estate agents , title companies, and attorneys for a smooth and easy transition.

When you are ready to purchase a home in Winston-Salem or the surrounding areas, The Sharpe Mortgage Team would be happy to discuss your homebuying options and work on a personalized plan to help make your lending experience stress-free. Call us today to set up an appointment!

Winston-Salem Open House Marketing Tips

ben@octostrategies.com (Ben Thornburg) — Thu, 04 Feb 2021 20:46:39 GMT

As spring draws closer, now is the time to focus on effective techniques to drive traffic to your open houses and prepare for a successful year ahead. 2020 certainly brought significant changes to the way real estate agents do business. It is important to keep your finger on the pulse of these shifts so you can benefit from the current hot market.

Live Stream – Facebook and Instagram offer a live feature that allows you to share what is going on around you in real time. If you are hosting an open house, it is the perfect opportunity to showcase the home to a broader audience by live streaming the property you are marketing. You can always download the recording and upload it to your website or YouTube to further increase views.

Electronic sign-in – Put away the pen and the paper and save time by utilizing a tablet to collect information as people tour your open house. Designed for real estate agents, apps such as Open Home Pro and Spacio integrate with CRMs and send out follow-up emails on your behalf.

Facebook Ads – Create a Facebook event, share with your sphere, and promote it using Facebook Ads. For more information on how to create an event ad, click here .

Partnerships – Make sure to enlist your business partners for help with sharing your event on their social media to increase visibility. Lenders, closing attorneys, and insurance agents are some of the people you can ask. In addition, by teaming up with a lender, you can have the loan officer be part of your broadcast and open houses to answer questions buyers may have about prequalification and the loan process.

If you have buyers who are ready to purchase a home this season, I would love to help them secure a mortgage loan. Give me a ring today!

Winston-Salem Mortgage News Review

Tue, 02 Feb 2021 20:44:40 GMT

The Sharpe Mortgage Team is committed to providing you each week with helpful information on topics such as the local market, home trends, homebuying tips, and more. This week we shared information on different types of home windows, exterior options for your home, and tax benefits of home ownership. Read more on these topics below.

Different Types of Home Windows

Windows can let in fresh air and natural light. They also block drafts and prevent cold air from coming through if properly sealed. But functionality isn’t the only factor to consider when shopping for windows. You can enhance your property’s aesthetic value by replacing rotting frames. Explore some popular window types for your home!

Exterior Options for Your Home

Siding gives you the ability to completely revamp the look of your home by adding color and creating contrast. But different types of siding respond differently to the elements and vary widely in price. To learn more about the most popular types of home siding, click here .

Tax Benefits of Homeownership

The benefits of homeownership go beyond the satisfaction of having a place of your own and building equity into the future. They include tax advantages and mortgage points. Learn more here how the purchase of a home can help you save money as you file your tax return.

Is there anything that The Sharpe Mortgage Team can do for you this week? If you’re interested in purchasing a home or refinancing your current home in Winston Salem or the surrounding areas, give us a call! We can discuss your financial goals and discuss a loan program that might be right for you.

Piedmont Triad Still A Buy-Over-Rent Housing Market

ben@octostrategies.com (Ben Thornburg) — Thu, 28 Jan 2021 20:41:37 GMT

As rent growth in the Piedmont Triad showed no signs of breaking a prolonged upward climb in 2020, buying a home remains the more affordable option in the area’s housing market.

While rent prices in big cities like San Francisco and Chicago have plummeted over 2020, residents of the Triad cities have seen the average rent price buck the national trend and continue to rise last year. As of October 2020, the annual effective asking rent growth in the Greensboro/Winston-Salem area was 4.3%, quite a difference from the rent cuts of 1.3% recorded in the nation overall, according to the software company RealPage.

Though the ongoing pandemic has slowed the market’s performance in April, the growth rate never fell below 2%. According to Apartment List, Greensboro saw rents grow a staggering 7.7% from March to December 2020, while in Winston-Salem rents grew up to 3.4%.

The rise in prices comes down, at least partially, to supply and demand. As the pandemic has accelerated a move to remote work, more renters are making housing choices independent of where their jobs are located – but still within long commuting distance. Greensboro and Winston-Salem are within a 90-minute commute of Charlotte.

With interest rates at a low and the rent prices on the increase, there is no doubt that home ownership is still a better deal than renting in the Triad. In December, Realtor.com ranked the Winston-Salem MSA as the nation’s eighth most attractive market for 2020 when projecting home-sale and home-price performance.

Are you ready to make the jump to homeownership this year? The Sharpe Mortgage Team would love to help you with your home financing. Let’s set up a phone call to discuss your financial goals and determine what loan program might be right for you. Call us today!

Weekly Mortgage News Review From The Sharpe Mortgage Team

ben@octostrategies.com (Ben Thornburg) — Wed, 27 Jan 2021 20:29:56 GMT

The Sharpe Mortgage Team is committed to providing you each week with helpful information on topics such as the local market, home trends, homebuying tips, and more. This week we shared information on tax benefits of home ownership, tips to improve home security, and the Clubhouse app for real estate. Read more on these topics below.

Tax Benefits of Homeownership

Tips To Improve Home Security

A costly, high-end alarm system is not the only way you can keep your home safe. We have rounded up several tips to improve home security and keep burglars at bay without breaking the bank.

Clubhouse for Real Estate

Have you ever heard of the Clubhouse app? Silicon Valley is buzzing over the app, and many top celebrities have taken to the platform. To learn more about how you can start using Clubhouse to build your real estate business, click here .

Is there anything that The Sharpe Mortgage Team can do for you this week? If you’re interested in purchasing a home or refinancing your current home in Winston Salem or the surrounding areas, give us a call! We can discuss your financial goals and discuss a loan program that might be right for you.

Home Flipping Generating Higher Profits In Winston-Salem

ben@octostrategies.com (Ben Thornburg) — Thu, 21 Jan 2021 20:27:15 GMT

The real estate research firm Attom Data Solutions reported that the Winston-Salem metropolitan area recorded a 6% increase in homes purchased with the intent to flip in the third quarter of 2020. The metropolitan area includes Davidson, Davie, Forsyth, Stokes, and Yadkin counties.

Sales of flipped homes, defined as properties bought and resold within 12 months, increased to 186 units in Q3 of 2020, a 3.3% increase from the previous year. Flipped home sales accounted for 6.9% of all home purchases in this quarter. Additionally, the average purchase price was $91,750 while the resale price averaged out at $160,000. That represents a profit of $68,250 on average, up from $61,000 a year ago.

Around 32% of home flippers used borrowed money. Mortgages backed by the Federal Housing Administration accounted for 9.1% of residential property loans originated in the third quarter, up from 8.3% a year ago.

These numbers paint a positive picture for the home flipping business that reflects the unusual effects the pandemic has had on the housing market. While this uptrend is not guaranteed, it is a good idea to consider taking advantage of home flipping opportunities now.

To learn more about this real estate trend in Winston-Salem, click here .

Are you interested in purchasing a home or refinancing your current home in Winston Salem or the surrounding areas? Call The Sharpe Mortgage Team today so we can discuss your financial goals and find a loan program that is right for you.

A Busy Year Ahead in Winston-Salem

ben@octostrategies.com (Ben Thornburg) — Wed, 20 Jan 2021 20:24:03 GMT

I hope your new year is off to a terrific start and that your goals and resolutions are in focus. My hope for 2021 is that we can move forward with better days ahead. I wanted to send you my best for the coming months and let you know that I am here to support you in whatever way I can. I also wanted to make sure that, after taking such good care of others in 2020, you were able to refinance your own home loan. If not, please let me know and I can review those numbers for you.

Below are a couple of things happening in the industry that I think you will find interesting:

2020 Experiences Highest Home Price Appreciation in Six Years
Real Estate Agents Are Key to Selling Your Home
Why Buyers Need a Real Estate Agent
15 Cities with the Lowest Cost of Living

Each week in 2021, I want to help YOU grow your business. If you would like to be part of my Friday emails explaining how to market and build your business, please reply to this email and I would be happy to include you.

Experts are predicting that the 2021 housing market will be a busy one! I would like to focus on how we can work together this year to make homebuying dreams come true. Do you have any customers whom I can pre-approve or any potential buyers who will be looking in the next 3-6 months that The Sharpe Mortgage Team could put on the path toward homeownership?

Let’s kick this year off with a fantastic start together!

The Sharpe Mortgage Team’s Weekly Mortgage News Review

ben@octostrategies.com (Ben Thornburg) — Tue, 19 Jan 2021 19:52:59 GMT

The Sharpe Mortgage Team is committed to providing you each week with helpful information on topics such as the local market, home trends, homebuying tips, and more. This week we shared information on first-time homebuyer purchases during the pandemic, replacing windows in your home to save money, and the 2021 pantone colors of the year. Read more on these topics below

Home Shopping for First-Time Homebuyers During COVID-19

As the COVID-19 pandemic swept the U.S., the 2020 housing market stayed stable due to factors such as low interest rates and remote working. Already well into January, experts predict that the 2021 market will remain busy with low inventory. Millennials will be the largest purchasing group in country as many seek to purchase their first homes in 2021. Here are some things that first-time homebuyers can expect from the housing market this year.

Replacing Windows to Save Money

When is the last time your home windows were replaced? If it was more than 15 years ago, it may be time to look into replacing them. Even if your windows seem to be functioning correctly, old windows can let drafts, strong UV rays, and more into your home causing higher energy bills and damage to the interior of your home. Learn more about how replacing your home windows can save money here .

Pantone Names Two Colors of the Year for 2021

For the last 20 years, the Pantone Color of the Year has impacted product development and trends in the home and fashion industries. For the year 2021, Pantone chose two colors, Ultimate Gray and Illuminating, to express a message of positivity supported by fortitude. To learn more about the 2021 colors of the year and how you can incorporate them into your home, click here .

Is there anything that The Sharpe Mortgage Team can do for you this week? If you’re interested in purchasing a home or refinancing your current home in Winston Salem or the surrounding areas, give us a call! We can discuss your financial goals and discuss a loan program that might be right for you.

Everything You Need To Know About Homeowners Associations in Winston-Salem

ben@octostrategies.com (Ben Thornburg) — Tue, 12 Jan 2021 19:36:51 GMT

Whether you buy a condo or a home in a subdivision, chances are that it will likely fall within the jurisdiction of a homeowners’ association (HOA). HOA is an organization charged with overseeing maintenance of common areas and amenities as well as enforcing rules over how properties are utilized in communities or neighborhoods of single-family homes or condominium buildings. Every owner in a community with a HOA is also a member of the HOA, which is typically run by a board of community members.

There are several ways in which an HOA can serve its community, including:

Curb appeal – Homes are required to abide by appearance-oriented guidelines set by the association. These guidelines are designed to ensure a uniform appearance for all properties in the community and, by doing so, protect the property values in the area. They are the reason you likely will not see a neglected property with an unkempt lawn in a HOA-governed neighborhood.
Recreation – Many HOAs offer recreational amenities to residents that range from a swimming pool and a clubhouse to tennis courts and even dog parks.
Mediation – When a dispute escalates between neighbors, the HOA may be able to intervene and potentially impose fines or sanctions.
Community engagement – HOAs will often host social events such as welcome parties for new residents or block parties for the holidays. This is a great way to get to know your neighbors and foster a sense of community.

Much like regulations, HOA fees can vary based on anything from the location of the neighborhood to the number of community amenities and services offered. HOA fees for a townhome typically do not cover insurance for your unit, so this additional expense should be factored into your budget. The HOA dues for townhomes, however, are generally lower than those of condos as the HOA is not responsible for repairs to the outside of the townhouse.

If you are looking to purchase a home in a community that is governed by an HOA, be sure to read the fine print to understand the regulations in place and any obligations that come with your membership. In some states, the law requires sellers to provide buyers with a disclosure packet prior to a residential closing. This may include any HOA governing documents that will be binding on the purchaser, such as declarations of covenants, bylaws, architectural guidelines, and resolutions of the HOA’s board as well as dues.

While there are many positive aspects about an HOA, some buyers do not like the idea of being told what they can or cannot do with their own property. In addition, fees can be a deterrent for some. If the neighborhoods you are looking at have an HOA, make sure to inquire about the costs associated with it and weigh all the pros and cons.

If you have any questions and thoughts about financing a home in Winston Salem or the surrounding areas, The Sharpe Mortgage Team would be happy to discuss them with you. Call us today to set up an appointment!

Make Moving in Winston-Salem Easy

ben@octostrategies.com (Ben Thornburg) — Tue, 05 Jan 2021 19:15:59 GMT

There is no message as wonderful to hear as “you are clear to close!” After weeks of house hunting and navigating the mortgage process, it is beyond exciting knowing you will soon get the key to your new home. It also means that it is time to start planning your move. Most people flinch from the thought of a move, but it does not have to overwhelm you. Following are some tips that will help keep your move organized and manageable:

Update your Address

Once you close on your new home, reach out to the utility companies that service your new home and either update your information or request new service. It can take several days for power, gas, or cell phones to process this, so the further in advance you can handle this task, the better. You will also need to update your address with friends and family, banks, credit card companies, etc. Don’t forget to provide your new address to the U.S Postal Service. This will ensure your mail gets forwarded to your new home. To request change-of-address with USPS, fill out this form online so that your mail will be forwarded to your new home.

Source Moving Supplies

If you have moved before, you know that moving expenses can add up fast. Check with your neighborhood grocery stores and other retailers to see if they have any empty boxes that you could re-use. If you are part of any neighborhood social networking groups on Nextdoor or Facebook, see if anyone in your area recently moved and may have boxes you could use. While most box stores and moving companies sell boxes, they generally come at a premium. You might also consider Uline , a company that offers a collection of boxes and other moving-related items, delivered to your home.

Time to Pack

Approaching your pack-out in an orderly manner will help make the unpacking easier. It is a good idea to pack a suitcase with a change of clothes for several days and your beauty and health essentials, so you will not have to frantically open boxes later searching for your contacts or medicine. Then, it is time to pack up your life! The best way to stay organized is to pack one room at a time. Be sure to label each box with its contents and in what room in your new home it should be directed. Apps such as “ Moving Van ” can help keep your pack-out smooth and your your inventory accurate.

Rent a truck

When it comes to getting your boxes to your new home, you can rent a truck and do it yourself or contract a moving company to handle it. Some moving companies even provide full-service moving, including packing up your belongings. Click here for a directory of moving companies in your area. But many folks opt to rent a moving truck and enlist the help of friends and family to make the move. Before renting your moving truck, take stock of the estimated number of boxes as well as furniture and appliances you will be moving so that you get the right size truck. Many rental companies will also rent dollies and hand trucks to facilitate your move. Click here for a directory of truck rental companies in your area.

Tidy Up

The first thing you will want to do in your new home is complete a deep cleaning. It will be much easier to do before you move in your items. Clean your kitchen and bathrooms first and then move on to the other areas of your home. Be sure to dust the baseboards and clean the windows, too! If the carpet in your home is not new, you might consider hiring a company to clean them. There are, of course, companies that will provide deep cleaning services for you. Click here for a directory of cleaning services in your area.

Let the Unpacking Begin

When you see all the boxes in your new home, the instinct will be to hurriedly open and unpack. First, arrange your furniture and assemble any big items like beds. Then ensure all boxes are in their respective rooms. Next, unpack essential items, such as dishes, clothes, towels, and personal and beauty items. As unpacking may take several days, having access to plates, towels, pots and pans, and personal items will be vital. While it may take some time for everything to be situation to your liking, be patient as you will soon be ready to show off your new home!

The above information is a starting place for your upcoming move. If you need any assistance along the way, whether it is the name a reputable steam cleaning company or a general contractor, do not hesitate to reach out. Volunteer your family and friends to help make your move successful and less stressful. The Sharpe Mortgage Team is working diligently to make your loan process smooth and expeditious so that your focus be on planning for your move and enjoying your new home.

The 5 Best Places to Live in Metro Winston-Salem

ben@octostrategies.com (Ben Thornburg) — Wed, 14 Oct 2020 16:30:34 GMT

Winston-Salem may not be as well-known as the relatively nearby and larger North Carolina cities of Charlotte and Raleigh, but it’s a place to love in its own right. Along with boasting a traditional Southern heritage, the “Twin City” — as Winston-Salem is nicknamed — has been consistently listed among the 10 best places to retire in the United States. The U.S. News & World Report ranks the city #7 among the Best Places to Retire in 2020, while Winston-Salem is ranked fourth in the publication’s latest list of the Best Places to Live in North Carolina.

Winston-Salem’s broad appeal can be traced at least in part to a unified mass transit system, a thriving community at prestigious Wake Forest University and, of course, the time-honored Southern hospitality. But if the scrumptious Lexington-style barbecue and the annual Lexington Barbecue Festival nearby weren’t compelling enough to consider moving here, perhaps the low cost of living will seal the deal.

Housing costs in Winston-Salem are much less than the national median sales price. Nationally, the average home purchase was $369,000 for August 2020, but the average home sale for Winston-Salem hovered around $235,000, according to statistics provided by the Triad MLS.

If you are looking to buy a house in or around Winston, be sure to check out these five areas with the highest livability scores:

Stokesdale

Many Stokesdale residents point to the safety that comes with living in this small North Carolina town. While Stokesdale has a rural feel to it, it is still close to chain grocery stores, a pharmacy and a few restaurants. Adjacent to the new I-73, Stokesdale is convenient to the Triad’s many cities and is less than eight miles from Piedmont Triad International Airport.

2. Oak Ridge

Bordering Stokesdale is Oak Ridge, a slightly larger small town that still maintains a rural character. A higher dollar area than Stokesdale, Oak Ridge ranks among the top in the region for median household income, at a whopping $124,342. And with Oak Ridge’s good selection of wine lounges and bars clustered around downtown, residents don’t need to leave town to enjoy the nightlife.

3. Clemmons

Living in Clemmons offers residents a sparse suburban feel. Public schools in Clemmons are highly rated. Over in Tanglewood Park, a parks and recreation center that runs parallel to the Yadkin River, the town proudly hosts an annual display of lights in the wintertime celebrating the holidays.

4. Bermuda Run

Bermuda Run is an exceptionally small town that is home to numerous residential developments, a thriving business community, Davie Medical Center, diverse shopping and restaurant options, and walking trails. With a dense suburban feel and a tight-knit community, Bermuda Run is perfect for families looking to settle down and raise children.

5. Lewisville

Lewisville has a reputation for being proactive in maintaining its small-town ambiance and fostering a strong sense of community. Shallowford Square is the focal point for downtown, and the wide variety of events that take place here each year is an important part of what makes Lewisville a great place to live and raise a family.

Summer Home Renovations in Winston Salem

ben@octostrategies.com (Ben Thornburg) — Tue, 29 Sep 2020 16:11:11 GMT

The summer months can be a great time to work on home renovations, especially indoor projects where you can escape the Carolina heat! I have been doing some home renovations myself and am loving the new life they give my home, but to be honest, it took almost a year and I am still waiting on some things to be completed. It can be stressful but rewarding!

I’d love to see the renovations you’re doing to your home. Send me a photo if you get the chance.

Whether you have a list of home improvements that can be easily done over the weekend or a punch list that needs a professional, I have some tips to help you along the way. Check out some excellent ideas by clicking below:

Do Home Renovations Add Value?

Staying Safe While Renovating During a Pandemic

Home Renovations with Maximum ROI

Home Renovation Myths Debunked

Avoid These Home Renovation Mistakes

Tips for Hiring a Renovation Contractor

If you’re looking for some news on the housing market, click below for some fantastic articles that I thought were worth sharing:

What is an Equal Housing Lender?

Online Reviews to Build Business

Top 10 Housing Markets for Millennials During the Pandemic

How The Pandemic Has Changed Homebuyer Preferences

If I can help you or anyone you know with a purchase or refinance, please let me know!

Fall Market Updates And Home Tips

ben@octostrategies.com (Ben Thornburg) — Mon, 07 Sep 2020 16:40:28 GMT

While temperatures are still high across the Carolinas, the first official day of fall has arrived! The holidays are right around the corner, but the fall season gives us time to relax and unwind with friends and family.

I have been thinking about ways to prepare my home for the cooler months ahead, and today I want to share some tips on how you can do the same. Click the links below to learn how to prepare the exterior of your home for fall and bring some life to your home’s interior as the weather begins to cool:

Fall Gardening Tips

Prepare Your Home for Fall

Create an Outdoor Entertaining Space

Autumn Potted Flowers and Plants

Indoor Plants to Brighten Your Home

Additionally here are some market updates:

Pros and Cons of Virtual Staging

2020’s Most Popular Housing Markets

6 Popular Home Trend for 2020

If I can ever help those who are closest to you when it comes to purchasing or refinancing a home, I hope you will pass my name along. Your referral would mean so much to my team and me!

Summer Home Projects And News

ben@octostrategies.com (Ben Thornburg) — Wed, 15 Jul 2020 16:38:15 GMT

The official start of summer is near, and warm weather and longer days are always great for spending more evenings on outdoor patios with friends and family. Do you have any big plans for the summer months? Maybe a trip to the coast or a 4th of July barbecue with family? If you have some free time in the coming weeks, consider taking a weekend or two in order to complete some projects that will transform your outdoor living space into a place for making memories.

If you are interested in some ways to spruce up your patio, check out a few excellent ideas by clicking the images below.

Budget Backyard Makeovers

Outdoor Fire Pits

Patio Furniture Trends

Build a Paver Patio

It’s no secret that due to the COVID-19 pandemic, the spring market didn’t shape up to be what we expected for this year. While there is still much uncertainty surrounding the current market, promising numbers appear to be on the horizon for the summer months ahead. Perhaps partially due to the safety measures put in place by real estate agents to make buyers feel more comfortable, mortgage applications have increased across the nation for several weeks.

Here are some great articles about home purchases:

Understanding Mortgage Rates

Understanding Closing Costs

Different Types of Inspections When Purchasing a Home

Understanding Land Surveys

I hope you have a fantastic summer! If I can assist you or anyone you know with a purchase or refinance, I would love to help. A referral to your friends or family members would mean the world to me. Talk with you soon!