Internet Services Providers Available In Murphy NC and Cherokee County NC

Posted by I Love Murphy on

Internet Services can be a huge consideration when buying a home no matter where you’re looking to purchase. When you’re shopping online for real estate, determining what internet speed is available is nearly impossible. When working from home is crucial, homeschooling is common, and simply wanting to watch a movie to relax is important, knowing what internet is available is vital.

Several companies have reached out to us wanting us to add their maps of internet coverage to our website. After we dug into them, we realized they had major flaws in being able to provide what properties have what type of internet. Because of that, we didn’t use them and decided to post this to give you insight as to what to expect.

Here are the types available here in Murphy NC:

  • Fiber Optic Internet – Provided by Blue Ridge Mountain Electric Membership Corp., this is the fastest option with no data caps. The base package is around $40 per month and download speeds tend to be 15-40 Mbps. Other packages are available. Finding homes with Fiber Optic is a gem – they are not common because our area is spread out and the cost of building the infrastructure is high. Thanks to a federal grant many years ago, the system was built out and is much larger than it once was. If you find a home with fiber optic, this is a huge plus.

 

  • SkyTek Internet (now River Street) – this is a local company that offers point-to-point internet and is largely found in homes that are higher up in elevation with views or unobstructed views to their repeaters. It works through Blue Ridge’s Fiber Internet Service and covers folks who don’t have fiber directly available at their home. It also has no data caps and plans start around $40 per month as well but are slower speeds than fiber. They do have higher-level packages that come close to the speeds of fiber and can be around $70 per month. This is what I personally have at my home and have been very satisfied with their service. The customer service is great, the owners are very good, hard-working folks, and I love that we support a local business in the process. They can do a site visit to any property and tell you whether service is available.

 

  • Cable Internet – Provided by Murphy Cable, they offer TV services and internet with no data caps. They have excellent speeds in our experience and do a good job. Their region is largely confined to being close to town so properties that are far out are unlikely to have this option available. They’re cost-effective and speeds are quite fast. Their speeds can vary widely based on distance from their stations so you are best to contact them IF cable TV is available at the property to see what you can expect from their services. 

 

  • DSL – Provided by Frontier Communications and/or AT&T depending on where you are in Cherokee County, DSL generally offers 3 MBPS download and up to 512 KBPS upload speed with no data caps. It can stream YouTube and other services but does tend to buffer especially in times of high usage. It is important to note they are out of ports in many parts of the county so if you buy a property that has active DSL services you want to continue that same service, be sure to have the seller set up for a transfer of the port rather than canceling service. If you don’t, you may find there isn’t a port available.

 

  • Satellite Internet – this is usually available in areas where none of the above options are. The two main companies we see folks use are Hughesnet and Viasat. We’ve heard the best feedback on Viasat from our clients. Most of their packages have caps on data usage and different plans are available based on your needs. Check out their website by clicking the name for more details.

Have a specific property in mind and need to know what it has available? Do you require a certain type of internet? Give us a call at 1-866-687-7496 and we can help you find out what there is so you can find the perfect home! Search all available properties online here!

Please note all information provided herein is based on personal experience, speed tests, customer feedback, and more. All info is subject to change, package pricing changes, location differences, and more. If the Internet is very important to you, we highly recommend you independently verify it will suit your needs prior to purchasing a home.

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

Posted by I Love Murphy on

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.

Wayne Cofer Helped us Find the Perfect Home

Posted by murphylover on

We found out about The Poltrock Team while searching properties on the Internet. After Wayne Cofer called about one of our inquiries, we decided to work with the team. During our real estate transaction, Wayne Cofer’s services were most helpful. We spent several days with him, and his guidance and questions made us really “think.” We feel that Wayne is a true asset! We are very pleased to have found the perfect home, in the perfect location!

Also, The Poltrock Team’s business relationships with attorneys and insurance companies definitely made the legal end of our purchase seem flawless. Overall, we rate the level of service received as a “10.” We would absolutely work with The Poltrock Team again.

–Nevada Myers

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

Winterizing Your Home in Murphy NC

Posted by I Love Murphy on

 

It’s that time of year again, the leaves are changing and the temperature is dropping. Winter is right around the corner. Don’t let that mean you have broken pipes and damage to your house. This is the perfect time to start thinking about winterizing your home, and if this doesn’t apply to you feel free to share this with somebody that it could be helpful to.

Click for Our List Of Plumbers

Click Here for More Helpful Tips 

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

We Expected A lot from The Poltrock Team and Received It

Posted by I Love Murphy on

We saw The Poltrock Team signs all over town and decided to call John Poltrock when we thought about  selling our home in Murphy, NC.  When we met  John, we felt that he had a real knowledge and enthusiasm about the local estate market. We listed our home with him and, being realtors ourselves,  we expected a lot from The Poltrock Team and we were not disappointed. We had very good results and a happy experience with them.  Would absolutely recommend John and The Poltrock Team at RE/MAX!

~~Judy and Dennis Robichaud, Naples, FL.

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

No Matter The Distance, Donna Took Time to Show the Homes We Wanted To See in Murphy NC

Posted by I Love Murphy on

Through an Internet search, we found The Poltrock Team, and we decided to work with Donna because of her daily emails on current new listings.  Donna was very professional!  She took the time to show us everything we wanted to see regardless of the travel distance. We found the perfect home to buy in Murphy NC – thanks Donna!

 Steve Muse

Bokeelia, FL

 Call The Poltrock Team – REMAX of Murphy NC – www.MyMurphy.com –JohnPoltrock@gmail.com – Call us Toll Free at 1-866-Murphy-NC or 1-866-687-7496 – Murphy’s #1 Real Estate Team

Three Bedroom, Two Bath Home Near Cherokee Hills Golf Course For Sale in Murphy NC

Posted by I Love Murphy on

MAINThis 3 bedroom, 2 bath home is nestled on a great wooded, private lot close to Cherokee Hills Golf Course! It offers many features like gas log fireplace is in the living room, central vacuum, upgraded hardwood laminate floors, screened in porch, unfinished basement has garage and lots of space to use for storage, workshop, or anything you need! The main level bedroom even has access to the deck. The grounds have flowering shrubbery, and lots of hardwood trees that keep the home cool in the summer. The driveway is paved and there is a fenced in side yard. Excellent access to golf, shopping, restaurants, and more! This home is an incredible value for everything it offers. Call today to schedule to see it!

 Call The Poltrock Team – REMAX of Murphy NC – www.MyMurphy.com –JohnPoltrock@gmail.com – Call us Toll Free at 1-866-Murphy-NC or 1-866-687-7496 – Murphy’s #1 Real Estate Team

 

Above And Beyond The Job – That’s what The Poltrock Team Does!

Posted by I Love Murphy on

We found The Poltrock Team through their website and their emails.  Donna’s quick response is the main reason we decided to work with The Poltrock Team.  Our experience was OUTSTANDING!  They were accurate with their information, were willing to do research, and they went above and beyond the job! If you want to buy a home in Murphy NC, there’s no better choice!

Stephanie & Barry Thomas

Wesley Chapel, FL

Call The Poltrock Team – REMAX of Murphy NC – www.MyMurphy.com –JohnPoltrock@gmail.com – Call us Toll Free at 1-866-Murphy-NC or 1-866-687-7496 – Murphy’s #1 Real Estate Team

The Poltrock Team Offers Time and Patience when Buying a Home in Murphy NC

Posted by I Love Murphy on

We are return customers with The Poltrock Team!  They are AWESOME!  They are always friendly and go the extra mile to help you find the right property!   We have had the pleasure of working with The Poltrock Team for many years.  They were friendly and helpful with our first piece of land in Murphy.  We had several phone conversations and we felt right at home.

When we met them in person, they made us feel like we were family and had known us for a long time.  The really take the time to put a personal touch on things – you don’t find that much any more.

John just recently helped us buy our second property – a beautiful cabin home in White Oak.  It was wonderful to work with him again and we feel like the mountains are our home too!

Thank you for listening to what we were looking for and always going the extra mile! The most helpful thing offered by The Poltrock Team was their time and patience – and making sure we got the best fit for us!

The Tanner Family

Call The Poltrock Team – REMAX of Murphy NC –www.MyMurphy.com –JohnPoltrock@gmail.com – Call us Toll Free at 1-866-Murphy-NC or 1-866-687-7496 – Murphy’s #1 Real Estate Team

Streamline your loan process when you buy your home in Murphy NC

Posted by I Love Murphy on

Buying a home is exciting, but frankly, getting a loan isn’t. It’s a necessary process if you need to borrow money to purchase your dream home. Around 60% of our closings involve a loan, so we certainly can help with the process. Remember, there is a HUGE benefit to using a local lender as opposed to a big national or out-of-town lender. Click here to read our article why.

Here’s a few things you’ll need to bring with you to speed up your loan approval process:

  1. Residence History
    • Your street address, or addresses, for the past two years.
    • If you rent, your landlord’s contact information.
    • If you own your house, your mortgage lender’s name and account number.
  2. Employment History
    • The name and contact information for any employer you’ve worked for over the past two years.
  3. Income Information
    • Your gross monthly salary and/or other income.
    • Year to Date pay stub.
    • W2’s for the past two years.
    • Signed tax returns for the past 2 years, especially if you work on commission or wish to use interest, dividends, or bonus income to qualify for the loan.
    • If self employed, bring the past two years and the current Profit & Loss statement in addition to tax returns.
    • If you’re not currently employed, bring proof of other sources of income.
  4. Deposit, Retirement and Equity Account Info
    • You’ll need statements for the past two months of all checking, savings, IRA, retirement, 401(k), stock and mutual fund accounts. Make sure the statements show your balance and account numbers.
  5. Debt Information
    • Name, contact information, account number, balance, and monthly payment(s) on all outstanding loans and credit cards.
  6. Real Estate Information
    • The address, current market value, and loan information of all real estate you own.
    • Copies of any leases on any rental property you own.
  7. Personal Property Information
    • The rough value of your furniture and other personal property including vehicles, boats, campers, etc. and their make/model.
  8. Sales Contract
    • If you already have an offer to purchase in place, bring a copy with you. Otherwise, your Realtor can forward it to the lender once you’ve found your property to purchase.
  9. Fees
    • You’ll have to pay for your appraisal and credit report with a check, so bring a couple checks with you for any fees that apply.
  10. Other
    • Government issued ID
    • If applying for a VA Loan, you’ll need military discharge papers (Form DD214) and your Certificate of Eligibility.

This article is courtesy of a contribution made by Teresa O’Blenes. She is a mortgage lender with BB&T Bank here in Murphy NC. She’s an excellent resource and can be reached at 828-837-8017.

Call The Poltrock Team – REMAX of Murphy NC –www.MyMurphy.com –JohnPoltrock@gmail.com – Call us Toll Free at 1-866-Murphy-NC or 1-866-687-7496 – Murphy’s #1 Real Estate Team