Catch This Snapshot of Spring and Summer Weather in Murphy, NC

Here in Murphy, NC and Cherokee County, weather forecasting has become a real spectator sport. You’ll likely hear spirited discussions at the gas station or coffee shop, or among shoppers in the grocery store checkout line, about our region’s notorious wild weather swings.

Spring and summer are especially challenging to predict, as you can encounter multiple sets of weather conditions on the same day. And because of our region’s widely varied elevations, a cool breeze down in the valley can become a chilly wind up on a nearby mountain ridge. If you’re planning a vacation getaway, or getting ready to move to our beautiful mountains, here’s a snapshot of our changeable spring and summer weather. Continue reading “Catch This Snapshot of Spring and Summer Weather in Murphy, NC”

Get These Guidelines for Trout Fishing Near Murphy, NC

Here in Murphy, NC and Cherokee County, trout fishing season is one of the rites of spring. Whether you enjoy bank fishing along a local river, or cruise your boat on one of our scenic lakes, you’ve got plenty of chances to play cat-and-mouse with those wily trout. So gather your fishing gear, buy a fishing license, and get ready to enjoy some quality time on the water in our beautiful mountains.

Learn About Regional Trout Fishing Spots
In our western North Carolina mountains, you’ll find over 3,000 miles of rivers, lakes, and streams that have been designated as public trout fishing waters. Here in our local region, the Valley River, Hiwassee Lake, and the Nantahala River are popular trout fishing destinations.

Whether you cast your line from a convenient bank, wade into an ice-cold mountain stream, or putter along in a drift boat on the lake, you’ll find plenty of opportunities to challenge those crafty trout on their home turf. To learn about fishing destinations in Cherokee County, or similar spots in other western North Carolina counties, view the North Carolina Wildlife Resources Commission’s interactive trout fishing map.

Finally, remember that much western North Carolina trout fishing takes place on private property. In other words, landowners have graciously granted anglers public access to their property for fishing purposes. In return, fishing enthusiasts are asked to respect the landowner’s property, and carry out any trash from the fishing expedition. Continue reading “Get These Guidelines for Trout Fishing Near Murphy, NC”

Ten Commandments of Buying a Home with A Loan in the NC Mountains

When you’re buying a home in the mountains of Western North Carolina, you may be purchasing it using a home loan. 60-70% of buyers here use a loan as a way to secure their home.

Need an amazing lender to buy your home? Check out our Gotta Guy List of Recommended Mortgage Brokers

I came across 10 Commandments to guide you from the time you secure your loan all the way to closing day. I wanted to share these because they’re true and we see these mistakes often. Here they are:

  1. Thou Shalt NOT make CASH deposits without first talking to your loan officer. If your payroll is not direct deposit, deposit entire check, then make a withdrawal. Any deposits not documented will be deleted from your available cash to close.
  2. Thou Shalt NOT change employment, become self-employed, or quit your existing job.
  3. Thou Shalt NOT buy a car, truck or van. If you do, you might have to live in it!
  4. Thou Shalt NOT use charge cards excessively or let your account fall behind on payments.
  5. Thou Shalt NOT spend money you have saved or allocated to closing.
  6. Thou Shalt NOT omit debts or liabilities on your mortgage loan application.
  7. Thou Shalt NOT buy furniture on credit.
  8. Thou Shalt NOT originate any new inquiries on your credit.
  9. Thou Shalt NOT change bank accounts.
  10. Thou Shalt NOT co-sign a loan for ANYONE.

Use these as a guide and your opportunity to buy your home greatly increases! We’ve literally seen people not be able to buy their house because they violated one of the above commandments during closing.

Ready to buy your home? Contact Us and let us know how we can help and feel free to Search Homes Here.

Should I Buy a Distressed Property in Murphy, NC?

Deciding whether to buy a distressed Murphy, NC property is a bit like jumping into the stock market. You choose a potential candidate, weigh the possible benefits and drawbacks of your actions, and decide whether to make your move or stay on the sidelines.

Unlike the stock market, however, finalizing a property purchase only marks the beginning of your grand adventure. Before you sign on the dotted line, and commit your dollars and sweat equity to an often-complex project, step back and take an objective look at the challenging path ahead. Simply put, evaluate the pros and cons before jumping into the fray. Read on for several tips that may help you make an informed buying decision.

HALLMARKS OF A DISTRESSED PROPERTY
Although each case is different, a distressed property typically features a dramatically reduced price, often the result of an existing or potential foreclosure. Not surprisingly, Murphy, NC foreclosure houses are generally sold in “as-is” condition. In other words, the current owners (or the bank) will not make any repairs before the foreclosure sale’s completion.

ENJOY A WELL-KNOWN BENEFIT
Purchasing a distressed property generally comes with one major benefit: the property’s below-market-value price. Objectively speaking, the owners want to shake themselves free of their financial burden – fast. To accomplish that goal, they’re willing to sell now and accept less cash for the property. Equally importantly, they won’t have to spend money to make repairs and/or upgrades that would bring them a higher sale price later.

CONSIDER THE POTENTIAL DOWNSIDES
When you buy a distressed property, you’ll generally save some valuable cash, making it a tempting resale candidate after you return it to better condition. However, you’re likely to encounter one (or all) of these four obstacles during your house purchase and rehab process.

Competition from Cash Buyers
Many distressed Murphy, NC properties attract well-heeled cash buyers ready to pounce on a desirable target. If you decide to submit your own cash offer, line up your resources beforehand so you can meet these savvy investors on a level playing field. If you’re not flush with funds, and must finance the house purchase, obtain an ironclad loan prequalification from a cooperative lender. To position yourself more favorably against the cash buyers, consider increasing the size of your down payment.

Potential Financing Obstacles
Many distressed Murphy, NC houses are in less-than-optimal condition, increasing the chances that they won’t meet a lender’s loan requirements. Before you decide to buy the house, order an objective property appraisal. After the lender reviews it, they’ll determine the property’s value, decide whether the house is in habitable condition, and take action on your loan application.

More Complicated Transaction
Buying a distressed property often requires lots of patience, as you’ll often encounter multiple rounds of paperwork compared to more conventional real estate purchases. So, temper your expectations accordingly, and you might be pleasantly surprised with the outcome.

Higher Repair/Upgrade Expenses
In many cases, the distressed Murphy, NC property has damaged walls or broken windows, and one or more appliances may be missing. The property’s electrical and/or plumbing systems might also require complex repairs. Regardless of the issues, the buyer (you) are likely responsible for hiring contractors to fix the problem(s) and bring the house up to local code requirements.

DISTRESSED PROPERTY PURCHASE GUIDELINES
If you have some solid home renovation experience under your belt, or have cultivated a network of first-class contractors, you’re in a good position to make a distressed property buying decision. On the other hand, if you’re new to this dynamic submarket, get some valuable professional assistance before investing your dollars in the project.

For starters, choose a Murphy, NC realtor who has proven experience with distressed property purchases. They’ll objectively evaluate a potential candidate’s condition, and provide details on the work (and dollars) required to make the property habitable again. With that knowledge in hand, you (and your realtor) can decide whether that’s an investment you’re ready to make.

The Poltrock Team – REMAX Mountain Properties – Murphy NC – www.ILoveMurphy.com – Call us Toll Free at 1-866-Murphy-NC or 1-866-687-7496 – Murphy’s #1 Real Estate Team

Bring the Family to These Easter Weekend Events Near Murphy, NC

The Easter holiday weekend is traditionally a popular time for family gatherings in Murphy, NC. Sometimes relatives come from other regions, and everyone attends church together to celebrate Jesus’ Resurrection. Afterward, some families share a hearty meal at a local restaurant, while others enjoy a wonderful feast at someone’s home.

Not surprisingly, the Saturday before Easter is also filled with family get-togethers. In fact, Saturday, March 31 marks the date for Easter events at three separate area venues. Each gathering has its own flavor, giving adults and children alike the chance to enjoy their time together in the beautiful spring weather. And if you plan your time carefully, you can make it to more than one Easter weekend event.

EASTER EGG HUNT
Saturday, March 31 from 1 p.m. to 3 p.m.
John C. Campbell Folk School
1 Folk School Road, Brasstown, NC

The John C. Campbell Folk School’s annual Easter Egg Hunt is popular with youngsters from many area communities. Held at the school’s Open House near the vegetable and herb gardens, this lively event features crafts, games, refreshments, and entertainment. Our sources tell us that the Easter Bunny will also make a special appearance.

Plan to arrive at 12:45 p.m. for the main event, as the free Easter Egg Hunt begins at 1 p.m. sharp. Park in the large gravel lot on the corner of Brasstown Road and Harshaw Road, and walk to the Open House. Once you get there, head to one of three age-divided egg-hunting areas. Then get ready to watch the youngsters scramble for colorful eggs among the vegetable and herb plants. Bring your cameras and enjoy the happy chaos!

EASTER EGG HUNT
Saturday, March 31 from 11:30 a.m. to 1 p.m
Bear Creek Mini Golf,  7289 Highway 64 West (west of Murphy)

This brand-new Easter Egg Hunt takes place at Bear Creek Mini Golf, an entertaining venue on Highway 64 West a few miles past the Route 129 intersection. Co-hosted by Bear Creek Mini Golf and Mountain Memories Antiques, this event promises to be an annual favorite with Cherokee County youngsters.

The Easter Egg Hunt begins promptly at 11:30 a.m., so arrive a bit early. Kids from ages 1-12 are invited to bring their favorite egg basket, and prepare for an egg hunting frenzy among the boulders, bushes, and trees. After the Easter Egg Hunt, kids can have their picture taken with the Easter Bunny.

ALL-DAY EASTER CELEBRATION
Saturday, March 31 from 12:00 p.m – 8:00 p.m.
Fields of the Wood, 10000 NC-294 (off Highway 64 West)

Experience Easter’s grandeur at Fields of the Wood, an acclaimed biblical theme park west of Murphy on Route 294. This free all-day Easter celebration takes place from 12-8 p.m., and kicks off with an Easter Egg Hunt at 1:00 (registration at noon). Come watch the youngsters comb through the park’s bushes and grasses, searching for those elusive colored Easter eggs.

From 2:00 p.m. – 5:00 p.m., gather for a memorable special singing program. A dramatic passion play begins at 6:00 p.m., bringing the Easter story to life in a beautiful mountain setting.

Now that you know about these Easter weekend events around Murphy, NC, gather your family together and enjoy some quality time during this beautiful spring weekend.

The Poltrock Team – REMAX Mountain Properties – Murphy NC – www.ILoveMurphy.com – Call us Toll Free at 1-866-Murphy-NC or 1-866-687-7496 – Murphy’s #1 Real Estate Team

Exceptional Service from the Poltrock Team

We were so happy we chose “The Poltrock Team” from start to finish we had exceptional service, they understood our needs & our property had great exposure online & plenty of showings leading to the sale. Very professional & personable team to work with. Mike & I highly recommend this real estate team & hope to use them again in the future.

— Mike & Tine Marcewicz

Radon Testing and Mitigation in the Mountains of North Carolina

It’s true! The Appalachian Mountains, which are in Murphy NC, can yield high levels of radon in homes. The great news is it is an easy,  and beneficial, fix. A simple remediation system can quickly remove radon and even excess moisture from your home; I have one in mine! Did you know it is the second leading cause of lung cancer? Only cigarette smoking is worse. An inexpensive test will find out if you have it. We recommend them when you are buying a home in the mountains to ensure your family’s safety.

Watch our video below to learn more about radon, what a remediation system is,  and how it functions. Visit the EPA’s Radon Page to learn even more. Need a remediation expert? We’ve got them! Our Gotta Guy List of Recommended Contractors is here.

We are Very Pleased with The Poltrock Team

Since we have left the state, we are really depending on John to do everything we cannot. He has been extremely helpful and courteous. Whenever we met with him he was always on time. He knew exactly what papers we had that would help him in listing the home.

–Katy & Jerry Bell