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Being pre-approved means that a lender has evaluated your creditworthiness and financial situation and has determined how much money they're willing to lend you for a mortgage. The lender will typically look at factors such as your credit score, income, debt-to-income ratio, and employment history to make their decision. Once you're pre-approved, you'll receive a letter from the lender outlining the amount of money you're eligible to borrow, the type of loan you qualify for, and the interest rate you can expect. During the pre-approval process, lenders evaluate your financial history, credit score, and debt-to-income ratio to determine how much money they're willing to lend you. This information can help you avoid falling in love with a property that's out of your price range and can save you time and disappointment. With a pre-approval in hand, you can also better understand the terms and conditions of your mortgage, including the interest rate, down payment, and monthly payments. Pre-Approval Vs. Pre-Qualification

Oak Island, North Carolina is a beautiful place to visit and live with its sandy beaches and ample opportunities for outdoor activities. However, one aspect of the island that can be a bit of a nuisance for visitors and residence is the new paid parking system. In this blog, we'll take a closer look at how paid parking works on Oak Island and why it's necessary. Oak Island has provided 1,250 across 65 public beach accesses. This is more than any other island on the NC coast. Quick overview of Paid Parking: Paid Parking is enforced from April 1 - September 30 between the hours of 9:00AM-5:00PM. Parking is NOT charged during special events in areas surrounding the Middleton Park Complex (SE 46th Street - SE 49th Street) The Paid Parking Zones are located in the beachfront areas all on the South Side of the Island: South of Davis Canal on the West side and South of East Oak Island Drive on East Side of the Island. The Parking spaces for Paid Parking are marked with a bumper. Parking in the public right-of-way (street side) is RESTRICTED along the South Side of the Island. No Bumper=No Parking DO NOT Park in Town Decal or Residence Parking Spots. These are signed with Town Decal or Residence Parking Signs. Cost: The cost of a parking pass varies depending on the type of pass purchased. 2023 Parking Rates: $5 per hour $20 per day $80 per week $175 season pass (sold out for 2023) How To Pay: From April 1 - September 30 visitors are required to purchase a parking pass to park in designated parking areas on the island.Parking passes cannot be purchased in advance. You can pay by: MOBILE APP: Download the SurfCAST by Otto Connect (click the logo below) or Scan the QR Code on the Pay to Park signs, and follow the instructions. BY PHONE: Call the Otto Connect team at 910-200-1497 Information Needed to Pay: You will need some basic information to purchase a Parking Permit: Zone you are parking in Email Phone number Vehicle's license plate number State Vehicle is registered in Payment information (Credit or Debit card) OKI Residence: Residence & property owners on Oak Island can buy a town decal from The Town Of Oak Island for $10 for each vehicle (including golf cart) for the year. The vehicle must be registered to the Oak Island home (verification is provided through the property's Water Utility Account Number (contact property manger or Otto Connect directly is in a larger complex without utility account). Each property/home is allowed up to 3 decals. You can purchase these at any time at the Oak Island Town Hall at 4601 E Oak Island Drive, by phone at 910-200-1497 or online through Surfcast by Otto Connect app or SurfCast website. Parking Tickets: Parking tickets are civil citations issued as a physical note placed on the windshield. Parking fines: $25 if paid the same day (by Midnight), $50 if paid the next day - 30 days after citation, $75 if paid 30-60 days after citation (sent to collections after 60 days) and $250 for Special Violations (parking within 15 feet of or blocking Fire Hydrant, Fire Lines or Emergency Access. This also includes parking in handicap spaces, without proper license plate or hangtag) Contest Ticket: You can contest a ticket by sending a request to Otto Connect Customer Service at customerservice@ottoconnect.us. Make sure to use the same email the Paid Parking Permit was registered under. Include a brief explanation of the issue along with a photo of the ticket. Make sure they can see the license plate number and citation number. They will review the contest. You can also contact Otto Connect by calling 910-200-1497. Map of parking and handicap beach access WHY? So why does Oak Island require paid parking? The primary reason is to help fund the maintenance and upkeep of the island's parking areas, beach access points and overall upkeep of the public spaces on the island. The revenue generated from parking fees is used to ensure that visitors have a safe and enjoyable experience on the island. Another reason for paid parking is to help manage traffic and congestion on the island. During the peak season, Oak Island can become quite busy, and parking can be difficult to find. Paid parking helps to regulate the number of vehicles on the island and encourages visitors to carpool or use alternative forms of transportation. While paid parking may seem like a hassle, it's a necessary part of ensuring that Oak Island remains a beautiful and safe destination for visitors. By purchasing a parking pass, visitors can help support the island's infrastructure and contribute to the preservation of its natural beauty. In conclusion, paid parking on Oak Island is an important part of maintaining the island's infrastructure and preserving its natural beauty. While it may seem like a nuisance, it's a small price to pay for the privilege of enjoying all that Oak Island has to offer. So the next time you visit Oak Island, be sure to purchase a parking pass and help support this beautiful destination.

Sunset Beach, North Carolina, is a charming seaside town located in Brunswick County. It is a popular vacation destination that attracts thousands of visitors every year. With its beautiful beaches, warm climate, and laid-back atmosphere, it's no wonder that many people are interested in buying real estate in this area. In this blog post, we'll take a closer look at the real estate market in Sunset Beach, North Carolina. We'll explore the current trends and current listings. The real estate market in Sunset Beach, North Carolina, is currently very active. Like many other areas across the United States, the demand for properties in Sunset Beach has been increasing steadily over the past few years. When we compare the first quarter of 2023 to the first quarter of last year, 2022 we see increases in Listing Price, Sales Price, Days on Market and total closed transactions. Sunset Beach Averages: First Quarter of 2023 - Closed transactions: 8 Listing Price: $1,190,350 Sold Price: $1,085,688 Days on Market: 66 First Quarter of 2022 - Closed transactions: 7 Listing Price: $808,414 Sold Price: $807,143 Days on Market: 22 There are currently 11 active listings on Sunset Beach. They range in price from $695,000 - $2,149,000. Sunset Beach has a lot to offer in a variety of homes. Let me know if you would like more information or to start a personalized search. https://jordanbreasseale.livelovenc.co/ - SEARCH HERE for a more reliable home search!

1. You are likely to create unrealistic expectations for yourself. You may think your budget is higher or lower than you qualify for, creating unrealistic expectations. When you start looking at houses that are outside of your budget you train your eye to like a certain level of finishes. Creating a certain expectation can make finding a house that you love difficult because you have trained yourself to expect a certain level of finish. 2. Being pre-approved creates a stronger offer. When it comes time to make an offer your offer will be stronger and stand out to the seller if you are pre-approved. This lets the seller know that you are serious, have the financial means to close the deal and are ready to roll! 3. It educates you on the loan options and the details of your loan. Being pre-approved allows you to go through the loan options, decide which is best for you. This also allows you to become familiar with your down payment, monthly payments, interest rates and insurance estimates. 4. It speeds up the process. Getting pre-approved requires a bit of work on the buyer side. When you do this before house hunting it gives you the edge to move the process along quicker than others. Getting pre-approved for a mortgage before house hunting and making an offer on real estate helps create realistic expectations by giving you a clear understanding of what you can afford. This knowledge can help you make a more informed decision about which properties to consider and how much to offer. Ultimately, getting per-approved for a mortgage can help you set realistic expectations and make a confident and informed decision about buying real estate. Next Post: What does it mean to be pre-approved? Subscribe to my blog for future post!

5 🛌 3 🛀 2,010 📐 303 NE 51st Street Oak Island, NC 28465 This house is located in a great spot on Oak Island, NC! It is on one of the few streets with a red light across East Oak Island Drive. You can breeze through the light to run to the grocery and then hit the beach! You are close to some of the best restaurants, grab a burger from Lil Bit's Grill and head over to Middleton Park to enjoy one of the many festivals Oak Island puts on! This house is close to everything while also being further back on the island, closer to the Intracoastal Waterway. It is the best of both worlds! Check it out! Can you picture it - get on the golf cart and enjoy the island life! Never having to leave the island! It's move in ready just a half mile from the sandy shores of Oak Island. Live in it, vacation to it or rent it. This super rare 5 bedroom new construction home sleeps 12 comfortably offering 2 master suites, 2 guest bedrooms, 3 full baths, and huge 420 square foot second floor that can be used as a game/media/bonus room or a large guest getaway/5th bedroom. I picture the upstairs with buck-beds, a game table with small couch, bean bags chairs for lounging! Oh, the kids will LOVE IT! Enjoy through the winter and then put it on the rental market during the spring & summer peak months. Life lived on the coast has never been more convenient with the beach just 3 minutes away, the new Publix right up the street, and plenty of dining and entertainment a quick stroll down 51st Street. Back your boat into the water at the public boat ramp just 4 blocks east. Head home where you can pull the boat under the house and give it a good rinse while the family rinses off the sand and saltwater in the outdoor shower. Throw the beach and fishing gear in the storage area and head into the convenient dry entry laundry/mudroom where those wet towels and bathing suits go straight into the washing machine. Inside the beach & pet friendly gorgeous hardwood floors guide you through the open & airy living spaces featuring vaulted ceilings, custom trim work and wide baseboards throughout. The dining room is large enough for that farmhouse table you've been dreaming of to have family dinners on those nights you eat in. The elegant kitchen offers additional seating around the island with beautiful granite countertops, stainless steel appliances, 42 inch custom cabinetry, and recessed lighting in the vaulted ceilings. The covered front porch wraps around to a screened in area off the dining room featuring an uncovered deck perfect for grilling. Venture down the hall to the back of the house where you will have your choice of one of the two owner's retreats. Both owner suites have their own private bathrooms with bath 1 featuring a walk in tile shower, while bath 2 offers a tub with shower combination. Which owner's suite will you claim for yourself? Bedrooms 3 & 4 are plenty big to offer 2 twin or a queen size bed. And if that wasn't enough send out that extra invitation to family and friends because we haven't even arrived on the second floor where 420 square feet of open space that can used for just about anything is waiting. How will you use the 2nd floor? 5th bedroom guest getaway, game room, media room, or playroom? Don't think too long before calling to learn more about this rare opportunity. Offered fully furnished with a few exceptions.

Ocean Isle Beach is a town located on the southern coast of North Carolina, in Brunswick County. Known for its pristine beaches, picturesque sunsets and relaxing atmosphere, Ocean Isle Beach is a popular destination for tourists and a desirable location for residents seeking a coastal lifestyle. Staying up to date on the real estate market is essential for anyone who is buying, selling or investing in property. Real estate markets are dynamic and can be affected by a variety of factors, such as economic trends, interest rates, local regulations and consumer preferences. Being aware of the current market conditions and trends can help buyers and sellers make informed decisions about pricing, negotiation and timing. It can also help investors identify opportunities and potential risk. Staying up to date can mean the difference between a successful transaction and a missed opportunity or costly mistake. Keep up to date with my weekly and monthly market up dates! In this Monday Market Update I focus on the first quarter of 2023 compared to 2022 on Ocean Isle Beach. I included both the island and mainland for this update to show the variety of homes available. Even being off the island allows for coastal living! Ocean Isle Beach has experienced an increase in list price, sales price, days on market and price per square footage when we compare the first quarter of 2023 to the first quarter of 2022. There was a decrease in number of homes sold during this time from 128 to 74. This shows that we have low inventory, increasing the sales prices of properties. The Averages for 2023: - Listing Price: $630,000 -Sale Price: $611,000 -Price/sqft: $327 -Days on Market: 57 The Averages for 2022: - Listing Price: $507,000 -Sale Price: $504,000 -Price/sqft: $274 -Days on Market: 26 Several factors are driving the real estate market in Ocean Isle Beach, NC including the town's growing popularity among tourist and new residents. The town has also seen an increase in economic growth and new job opportunities, which are further boosting the demand for real estate. Brunswick County as a whole is seeing an ongoing development and construction of new properties including residential homes, condos and commercial buildings. These factors have contributed to a strong market in Ocean Isle Beach, NC. To keep up to date on the market subscribe to my blog or follow me @jordanontheislands.

Holden Beach Real Estate has seen an increase from last year! Check it out! Holden Beach, North Carolina is a hidden gem on the East Coast. Located on the southern coast of North Carolina, Holden Beach is a barrier island that offers stunning views of the Atlantic Ocean and the Intracoastal Waterway. With its miles of pristine beaches and friendly small-town charm, it's no wonder why Holden Beach has become a popular destination for vacationers and those looking to invest in beachfront property. This week I am focusing on the first quarter of 2023 on Holden Beach, NC. At the end of last month there were 18 active listings. They range in price from $395,000-$2,000,000. $395,000 is a low price point for Holden Beach, so go check it out! The Averages of listing price, sold price, price per square foot and days on market have all increased from 2022 to 2023. The first quarter of both years had the same number of properties close, 27. The Averages for 2023: - Listing Price: $1,163,000 -Sale Price: $1,111,000 -Price/sqft: $523 -Days on Market: 59 The Averages for 2022: - Listing Price: $897,607 -Sale Price: $876,170 -Price/sqft: $472 -Days on Market: 59 This is your market update for Holden Beach, April! Let me know if you would like more information!

Taking a Closer Look at the Real Estate Market on Oak Island, North Carolina for the first quarter of 2023. Are you looking to buy or invest in real estate on Oak Island, North Carolina? This article will explore the current market conditions and give an overview of the first quarter of sales in 2023 compared to 2022. Oak Island is located in southeastern North Carolina and is known for its beautiful beaches and stunning coastline. The real estate market in this region has remained strong. The current price for a single family home in Oak Island ranges from $260,000-$2,300,000 depending on size and location. Prices have increased over time due to the high demand for this desirable coastal destination. In terms of rental properties, vacation homes can fetch anywhere between $1,800-$6,000 per week. The different areas on the island offer a variety of landscapes and type of living. Oak Island has a wide range of houses giving many the opportunity to make a home on this coastal island! The real estate market on Oak Island has consistently provided attractive returns for investors looking to build an income producing property or simply buy a new home by the beach. With its vibrant community atmosphere, proximity to local amenities and stunning scenery it remains an ideal destination for anyone wanting to take advantage of an excellent quality of life! Now, let's take a look at some of the recent numbers: At then end of last month, there were 118 Active Listings, 89 Pending and 119 properties that closed in the first three months of 2023. Averages for the first three months: Days on market - 65 (THAT IS ONLY 2 MONTHS), List Price - $597,932, Sold Price - $581,736. Compared to last year the numbers have decreased, but not by much! Average for the first quarter in 2022: Days on market - 42, Listing Price - $607,765, Sold Price - $596,124.

Winding River Plantation is an upscale, partially gated community located in Bolivia, North Carolina. This coastal community is located between Wilmington, NC and Myrtle Beach, SC. There are numerous activities close by for residence to enjoy including beaches, shopping, local cuisine, golf, entertainment and much more. Residence are able to have access to all these activities while also having a quiet neighborhood to call home with its own list of activities including golf, pickleball, tennis, fitness center, pools, a private beach club and river house (both with marinas). Picture it : Take a nice nature walk in the morning air, go jump in the pool to cool off and read a book. Take your boat out to Holden Beach, dock it at your private marina and have an afternoon at the beach! Winding River provides a variety of housing within the community. They have single family homes, townhomes and condominiums. For outdoor lovers, Winding River provides walking paths where you can view wildlife and enjoy tranquil areas. The Carolina National Golf Club is a public golf course within the community and is an Audubon-Certified Sanctuary Golf Course. Winding River provides numerous amenities (listed below) with a low annual HOA fee. These amenities make this neighborhood a highly desirable place to call home. I would love to show you around Winding River! AMENITIES: Property Owners Clubhouse (POC) Meeting Rooms (3) Catering Kitchen Outdoor Pavilion with gas grills Fitness Center Tennis, Pickleball and Bocce Courts Swimming pool Property Management office (PMO) Riverhouse Marina 10 Boat slips/personal watercraft slip Boat and Kayak Launch Fish Cleaning Station Trailer Parking Riverhouse Gathering room with fireplace Community Lending library Screened Porch Outdoor BBQ Grills and Seating Beach House (Holden Beach) Ocean Front Gated two parking lots Private Beach Entrance Gathering room with kitchenette Restrooms with showers Swimming Pool SeaSide Marina Boat Slips for day docking Board walkway to Beach House RV/Boat Corral Gated storage area for RV’s, Boats, Trailers (annual fee) Winding River Fact Sheet Winding River developed in 1997 by Bluegreen Carolina, transitioned in 2003 to HOA 1,002 Acres of Land 463 Acres of Residential Land 317 Acres of Recreational Land 166 Acres of Open Space Land 14 miles of Roadway 28 miles of Curbing 3 Miles of Walkways 4 Pedestrian Bridges 1 Road Bridge 188 Swales 31 Drop Inlets 16 Ponds Paved Parking, Street Signs, Fences, Guard Houses 18 Multifamily Units (Townhouses) 50 Condo Units 805 Single Family Homes (currently) Out of 1066 single family lots 84% built out 77 Single Family Homes under Construction 39 Homesites at Holden Beach (Seaside) 1133 Properties paying yearly Assessments (2023) Yearly Assessment for 2023 $1856 or $464 per quarter No “Special Assessment” for 2023 Documents:

There are some beauties on this week’s Townhouse Tuesday! Message me if you want to know more about one of these townhouses/condos or if you want to see a certain home on the next “TownHouse Tuesday!”,,,,,,,,,,, 🏠 2 Via Dolorosa Drive #A Ocean Isle Beach, NC 4 🛌 4 🛁 1,602📏 $650,000 🏠 395 S Crow Creek Drive NW #1605 Calabash, NC 2 🛌 2 🛁 1,477📏 $319,900 🏠 620 Eastwood Park Road #9-C Sunset Beach, NC 4 🛌 3.5 🛁 2,598📏 $499,900 🏠 8962 Smithfield Drive NW #1 Calabash, NC 3 🛌 2.5 🛁 1,731📏 $299,500 🏠 10170 Beach Drive SW #303 Calabash, NC 2 🛌 2 🛁 860📏 $184,900 Do you have a favorite?

There are some lovely waterfront homes + and just waiting for you to come take a look. Ready? Come enjoy the view on this week's Waterfront Crush Wednesday. #wcw 🏡 4 Wilmington Street Ocean Isle Beach, NC Residential Lots & Land: 0.13 acres $479,000 🏡 20 Grande View Drive Ocean Isle Beach, NC 7 🛌 7 🛁 3,391📏 $2,875,000 🏡 702 Shoals Watch Way Bald Head Island, NC Residential Lots & Land: 3.41 acres $4,875,000 🏡 710 Shoals Watch Way Bald Head Island, NC 5 🛌 5.5 🛁 5,001📏 $6,100,000 🏡 4671 Devane Road SW Shallotte, NC Residential Lots & Land: 1.39 acres $3,500,000 What properties are you crushing on today?

This pier is located on the east side of Oak Island. It was once part of Yaupon Beach, a coastal resort that was an incorporated town in 1955. Yaupon Beach became part of Oak Island in 1999, becoming Oak Island Pier. The Pier is known for great saltwater fishing! It is open 8am-5pm. You must purchase a permit to fish from the pier house. You can get a day pass ($10-$16) which are valid from 6am to 6am the following day or get a season pass. This is the link to fishing fees: https://www.oakislandnc.gov/home/showpublisheddocument/734/637849185405430000 To walk out on the pier and enjoy the breathtaking views is completely FREE! There is a bait and tackle shop located on the pier for all of your fishing needs including drinks and snacks. If you are hankering for something more there is also a coffee shop, Ruby's and a restaurant, KoKo Cabana. KoKo Cabana is one of my favorite spots in Brunswick County. My husband and I love to go on dates here. We enjoy the beach views, with a delightful drink and AMAZING food! We love to get the island bowls, but you can't go wrong with anything on their menu! Go check out the pier and all that it has to offer! You can thank me later! ENJOY!