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I am committed to assisting you with all your real estate needs. Call me today so I can go to work for you! 877-GR8-HOMZ (877-478-4669)
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Find Out About the Latest Homes for Sale First!
We add our newest homes and other real estate listings to this web site first. It can be some time before they appear in the MLS.
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"We were relocated to the Durham area. Fortunately for us, we had the opportunity to meet Masha Halpern."
Cliff and Debbie Hartman
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 Compare three mortgages
at one time. Download TripleCalc now. It's free. |
Masha Halpern and The Smart Move
Team are some of The Top Selling Real Estate Experts™
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Trust Us with Your Referrals. Increase Your Chances of Making a Sale. You can trust us with your important referrals. We have a great track record of success as top producers. We have the experience you are looking for. Plus we are very web-savvy real estate agents, which is important to the majority of homeowners today. Why send a referral to anyone other than the best? This only reflects positively on you. As you well know, top real estate agents also have a higher closing ratio. You'll have a better chance of making a sale when you send your referrals to us. Grow your business by using proven, top agents. Your clients will be happy and this will lead to even more referrals for you, and at the same time you'll enjoy a greater percentage of your referrals turning into sales. Think about it. Please use this form to contact us... You can trust us with your important referrals. We're a web-savvy, top selling agent in the Chapel Hill, Carrboro and Durham area. Provide us with a few details, and We promise to get back to you quickly... 
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About Appraisals >Three Caballeros
When you buy a house or refinance your present home, your lender will ask you to pay for an appraisal to help ensure that the sales price and mortgage amount is consistent with the property's market value. The appraiser will look for "three caballeros" or three "comparables" -- homes that are very similar to the one you are buying -- and will make adjustments to reflect the differences between the properties.
Housing patterns tend to be homogenous, meaning that homes worth $300,000 are usually located in $300,000 neighborhoods. It is important for properties to be within the general pricing patterns of their neighborhoods because over-valued homes, even if they are exceptional, are sometimes difficult to sell at full market price.
This is not the only factor considered in determining the worth of a property, but it is an important one. The buyer or seller may view the property as a home or an investment, but lenders view it in a completely different way. To a lender, property means security in the event a borrower fails to repay a mortgage. Therefore, lenders must know real estate values in order to limit their risks.
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| Q |
Where was the first hotel built in the US?
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The Union Hotel (1802) Saratoga Springs, NY, is the first hotel emphasizing lodging and services, in addition to food and drink. |
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Chad Scoggins - Mortgage Loan Officer
When you decide to buy a home or refinance a mortgage, it's a big step. You can trust me to find the loan program that's best for you.
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