It Isn’t Final Until It’s Funded

Mortgage approval isn’t final until it’s funded.  Things can change prior to the loan being closed that can affect a pre-approval such as changes in the borrowers’ financial situation or possibly, factors beyond their control like interest rate changes.40783733-250.jpg

Good advice to buyers is to do nothing that can affect your credit report until the loan closes. Opening new credit cards, taking on new debt for a car or furniture or changing jobs could affect the lender’s decision if they believe you may no longer be able to repay the loan.

The benefits of buyer’s pre-approval are definitive: it saves time, money and removes the uncertainty of knowing whether the buyer is qualified. The direct benefits include:

  • Amount the buyer can borrow – decreases as interest rates rise
  • Looking at “Right” homes – price, size, amenities, location
  • Find the best loan – rate, term, type
  • Uncover credit issues early – time to cure possible problems
  • Bargaining power – price, terms, & timing
  • Close quicker – verifications have been made

It is a very common practice for mortgage lenders to require income and bank verifications and to re-run the borrowers’ credit one final time just prior to closing. Mortgage approval isn’t final until it’s funded.


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From left to right, Deborah Swainey (919-412-8650), Joe Ward (919-518-8182),
Valerie DeLoach (252-916-5048), and Kellie McDonald (919-961-2720).

We are a real estate team who cares about our clients. If you are considering
selling your home and would like some honest, professional, and
experienced guidance,
please contact us today.

Connect with us on social media to learn more about our team and
how we can help you find your new home!

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Ranch Townhome in North Raleigh!

2705 Cottage Circle, Raleigh NC 27613
$175,000

See Listing Here

Showings Starting on 11/18, but the listing is active so you can schedule a showing today! Call one of our buyer’s agents to see this ranch town house in a fantastic location! It’s the only townhouse for sale in North Raleigh that has a 1st floor master!

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Updated Kitchen
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Open from dining are to kitchen!

The kitchen and baths have been updated with all new floors. Stainless appliances with a pretty backsplash. The charming kitchen has a counter that opens it up to the dining/living area to make it perfect for entertaining friends or family.

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Master Bedroom
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Master Bedroom

The master bedroom has a large walk-in closet with plenty of space. The best thing about it is that it’s on the main floor!!

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Living Room with fireplace
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Dining/Living Room

The bright family room is open to the kitchen and has a gas fireplace.

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Private Patio
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Large green space

Private patio flows into large green space. Close to Stonehenge, Crabtree, Lake Lynn and more!

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Directions: Take Creedmoor Road towards downtown Raleigh. Turn right on Mapleton Lane. Mapleton Lane becomes Cottage Circle. Townhome will be on the left.


For more information, or to arrange a time
to view this property, call the Joe Ward team today!

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From left to right, Deborah Swainey (919-412-8650), Joe Ward (919-518-8182),
Valerie DeLoach (252-916-5048), and Kellie McDonald (919-961-2720).

We are a real estate team who cares about our clients. If you are considering
selling your home and would like some honest, professional, and
experienced guidance,
please contact us today.

Connect with us on social media to learn more about our team and
how we can help you find your new home!

facebook wordpress twitter linkedin pinterest instagram googleplus-2

Sitti: Authentic Lebanese, Raleigh NC

I met a dear friend for lunch, which is always a treat. Since she works downtown, we decided on Sitti. It’s one of my favorites in Raleigh, but I haven’t been in a while.

It didn’t disappoint!

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Sitti is located on the corner of Wilmington Street and Hargett Street in an old restored building. It’s a great location so that you can either sit near a window or (if the weather is nice enough) you can sit at one of the small tables on the sidewalk on Wilmington Street. Sitting outside in the front is fun during the workweek with the hustle and bustle of downtown Raleigh. There is also a great outdoor seating area in the back which is much more private.

There is a reason that Sitti is ranked #7 out of 1108 restaurants in Raleigh! The menu has a little bit of everything, so no need to fear if you don’t know if you are a fan of Mediterranean food. If you are not feeling very brave and are afraid you may order something you don’t like, then you can order one of the Lebanese Tastings on the menu. Each “Tasting” has six different popular items to try so that you can see what may be your favorite! The Lebanese Tastings options are on both the lunch and dinner menu. And if you go on a Monday, then it’s half price French and Lebanese wine to pair with your meal.

Speaking of menus... they have now released their new Fall Menu.

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It has pumpkin and sweet potato ALL OVER IT! Even the fresh pita bread brought out before the meal was half regular pita bread and half sweet potato pita. It was heavenly.

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I am a creature of habit and so I admittedly always get pretty much the same thing whenever I go to my favorite hotspots, but I decided to do a little something different today. I got the Chicken Pesto Burger (pic below). That is grilled chicken (clearly marinated in some sort of magic concoction), spring mix, feta cheese dip (straight from heaven), and grilled apples on ciabatta bread. I would highly recommend it!! Not to mention it comes with Sitti’s fresh cut french fries that I’m pretty sure I could eat as my entire meal.

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My normal “Go-To” order is the Tri-Color Quinoa Salad with salmon. They change the salad seasonally and it is AMAZING. I also get the Feta Cheese Dip pretty much every time I go. They have taken it off the lunch menu, but they are usually sweet and will let feta-cheese dip addicts like me order it at lunch anyway.

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The last time we went to dinner there for a friend’s 40th birthday (great place for groups… pic above), we asked the waiter what he would recommend we try… he recommended the Halloumi as an appetizer. WOW. Halloumi is mediterranean cheese seared and topped with dates, roasted almonds, olive oil, and fresh thyme. Trust my recommendation… it’s SO GOOD.

Finally, the drinks… My husband and I love our craft cocktails. The Beirut Betty at Sitti is one of my favorites. It’s gin, St. Germaine elderflower liqueur, and fresh grapefruit juice. You can see for yourself how the Beirut Betty tastes, or you can do like we do and order one of all of them to choose our favorites! LOL…

No matter what you get, you will be happy that you took the time to go eat at Sitti. It’s only one of the great gifts that Empire Eats has brought to Raleigh. Other Empire Eats Raleigh restaurants include Gravy, The Pit (more on The Pit and their great food and banana pudding to die for in a future blog), Morning Times,and Raleigh Times.


 

This review was written by Valerie DeLoach of the Joe Ward team. Go like her page on Facebook to get her newest blogs. She was not paid or given anything in return for this endorsement… she just genuinely loves this downtown Raleigh HOT SPOT!!!!!!!

We are a real estate team who cares about our clients. If you are considering buying or selling your home and would like some honest, professional, and experienced guidance, please contact Valerie DeLoach at 252-916-5048 or valeriedeloach@gmail.com.