In our real estate market, we have so many clients coming to purchase a second home or land they can enjoy now and in the future. Dreams of retirement, log cabins, mountain views, and warm fireplaces can quickly be dismantled by the wrong bank. Why? A variety of reasons come in to play.

Out of town banks are usually the ones to avoid - but not because they’re bad banks. We run into this commonly because many of our clients come from out of town and want to use the same one they have all their accounts with. This makes sense for convenience and sometimes even for the interest rate. Where it runs into problems is they are unfamiliar with our market and require double appraisals, forms, and other things that are simply not commonplace in our area.

Who to use? We have many local opportunities that will prevent many of the kinks that can occur before they happen. Each buyer and property is totally unique, so different banks and lenders will fit certain instances better. Some of the good choices include:

• Nantahala Bank
• BB&T
• Appalachian Community Bank
• SunTrust Mortgage (Now located conveniently in our office!)
• United Community Bank

Most every one of these banks can meet or beat any bank rate out there, so why go through the hassle of an out of towner? Want a personal testimony on why not to use a local bank? Ask a fellow RE/MAX agent from New York who is buying a property here. Visit www.JackiePratt.com and ask! And if you’re looking for New York real estate, she’s the top gun!

John and Jessica Poltrock - REMAX of Murphy, North Carolina - The POLTROCK TEAM - Homes and Land in the Mountains - (877) 837-3002 - JohnP@remax.net - www.MyMurphy.com

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