Outer Banks Events February 13, 2024

Valentine’s Dinner on the OBX

Restaurants Offering Valentine’s Dinner on the Outer Banks

There are so many great restaurants on the Outer Banks, whether you are planning on visiting your favorite restaurant or looking to try something new, the following restaurants are offering a specialty Valentine’s Day menu.

NC Coast Grill & Bar-Duck, NC
February 14th-Chef’s board curated for the occasion with a romantic table setting.
$65 per person with the optional addition of a bottle of bubbly for $45.
Text: 252-455-1791 to reserve.

The Blue Point-Duck, NC
Tuesday, Wednesday and Thursday Valentine’s Day pre-fixe menu. Reserve a table for a romantic evening.OBX Valentines Day Dinner
Visit www.thebluepoint.com to reserve.

Barefoot Bernies-Kitty Hawk, NC
Valentine’s Day special menu includes starters, mains and delicious desserts.

The Pony and The Boat-Kitty Hawk, NC
Delicious special Valentine’s Day dinner menu in addition to the regular menu.
Reservations are encouraged. Call 252-715-2991

Josephine’s Sicilian Kitchen-Kitty Hawk, NC
Opening for the season on Valentine’s Day!
View the menu here.

Outer Banks Brewing Station-Kill Devil Hills, NC
Special Valentine’s Week menus are available for lunch and dinner.
View their website for the menus. www.obbrewing.com

Noosa Beach Grille-Kill Devil Hills, NC
Special Valentine’s Day dinner menu.
Reservations are recommended. Call 252-715-6393

Cafe Pamlico-Buxton, NC
Special Valentine’s Day Dinner Wednesday and Saturday.
Enjoy a four course dinner with your choice of a bottle of bubbles or wine pairings.
$125 per person.
Call for a reservation: 252-995-4500

Happy Valentine’s Day from our loving team at Coldwell Banker Seaside Realty!

Uncategorized February 6, 2024

Benefits of a Co-Signer on Your Mortgage

If you’re looking to purchase a home or refinance on your current home, you might have concerns about qualifying due to employment, income, debt, credit, or other factors. Depending on your situation, having a co-signer on your mortgage could help you meet certain qualification standards.

How could a co-signer help you qualify? 

A co-signer acts as a guarantor on the loan and does not make monthly payments but promises to assume the responsibility of the loan if the occupant does not make the monthly payment. In some instances, having a co-signer on your mortgage can make the qualification process easier.

A co-signer differs from a co-borrower in that the co-signer does not appear on the property’s title, whereas a co-borrower does, even if they do not occupy the property.

Here are a few reasons why having a co-signer could help you qualify:

Help meet credit requirements. If you have less than stellar credit, a co-signer with good credit can help the bank feel more confident that the mortgage will be paid back, raising your chances of qualification.

Help meet income requirements. A lender carefully measures your income and debts when evaluating how much you can borrow. If you have a lower income or significant debt, a co-signer can help you qualify for a larger loan. Just a reminder, you should always feel confident that you can comfortably cover your monthly payments, even if you have a co-signer on the loan.

Smooth out employment gaps. If you have not been employed steadily for the past two years, are self-employed, or recently switched jobs, a lender might be wary of your income stream. A co-signer with a strong employment history will give the lender peace of mind that income will remain steady enough to pay back the loan.

Why should you agree to co-sign on someone’s loan?

Often family members will co-sign on a loan for family members who they believe can make the monthly payments but need help qualifying. Whether they have student-loan debts, have just started their career, or are self-employed, co-signing on a loan can help the primary borrower the opportunity to build equity and create a positive credit history.

Potential co-signing drawbacks:

It is important to remember that the co-signer and the occupant will be equally responsible for the repayment of the loan in the eyes of the law. Suppose the primary borrower cannot make the monthly payment. In that case, the non-occupant co-signer will be responsible for paying the total amount or risk a credit hit, late payment fees, or other possible consequences.

If you decide to co-sign on someone’s loan, there are several ways to help protect yourself from any slipups that might make you weary of co-signing, such as:

•    Asking the primary borrower to attend a class on homeownership
•    Asking for access to the borrower’s online mortgage statements
•    Asking to receive notifications when payments are becoming due or are past due
•    Having an open line of communication to discuss the possibility of a missed payment

This content is provided as part of the partnership between Coldwell Banker Seaside Realty and Townebank Mortgage. Original blog post can be found here.
The information contained herein (including but not limited to any description of lending programs and products, eligibility criteria, interest rates, fees and all other loan terms) is subject to change without notice. This is not a commitment to lend.

Disclaimer: Content provided by TowneBank Mortgage for informational purposes only. The information contained herein (including but not limited to any description of lending programs and products, eligibility criteria, interest rates, fees and all other loan terms) is subject to change without notice. This is not a commitment to lend. TowneBank Mortgage  NMLS# # 512138. Equal Housing Lender

Outer Banks Home BuyingOuter Banks Real Estate January 29, 2024

Top 2023 Producers

2023 Outer Banks Real Estate Top Producers

Coldwell Banker Seaside Realty is proud to announce the Top Outer Banks Real Estate Producers for 2023.

2023 Teams of the Year:
Kill Devil Hills: The VanderMyde Team
Kitty Hawk: The Heather Sakers Team

2023 Agents of the Year:
Firm: Sunny Berle
Listing Agent of the Year: Brook Sparks
Kill Devil Hills: Joanna Kane
Kitty Hawk: Sunny Berle
Elizabeth City: Brook Sparks

Congratulations to our Teams and Agents of the Year!
View all Outer Banks properties for sale here.

Outer Banks Home BuyingOuter Banks Real Estate January 6, 2024

December 2023 Top Producers

December Outer Banks Real Estate Top Producers

Coldwell Banker Seaside Realty is proud to announce the Top Outer Banks Real Estate Producers for December 2023.

December 2023 Teams of the Month:
Kill Devil Hills: The VanderMyde Team
Kitty Hawk: The Heather Sakers Team

December 2023 Agents of the Month:
Kill Devil Hills: Joanna Kane
Kitty Hawk: Kent Copeland
Elizabeth City: Brook Sparks

December 2023 Top Agents:

  1. Kent Copeland
  2. Emily Bray
  3. Sunny Berle
  4. Debbie Shealey
  5. Cameron Griggs

December 2023 Top Teams:

  1. The VanderMyde Group
  2. The Heather Sakers Team
  3. The Mausteller Team
  4. The Driscoll Team

Coldwell Banker Seaside Realty Outstanding Performance November 2023:

  1. The VanderMyde Group
  2. Brook Sparks
  3. Yuliya Hristov

Congratulations to all of our Top December Real Estate Producers!
View all Outer Banks properties for sale here.

Outer Banks Home BuyingOuter Banks Real EstateUncategorized January 4, 2024

Reason to Become an OBX Homeowner in 2024

Reasons to Become a Homeowner in 2024

It’s the start of a new year, a time where most of us make our resolutions. If you’ve been thinking of purchasing your first home, why not make 2024 your year? In this article, we’ll explore the various benefits of homeownership, the long-term financial considerations, the flexibility and control it offers, as well as the emotional and psychological benefits that come with owning a home. We’ll also provide tips on preparing for homeownership and navigating the 2024 housing market.

There are several compelling reasons to become a homeowner in 2024. Let’s explore some of the key benefits that come with owning a home:

1. Building equity and wealth: One of the biggest advantages of homeownership is the opportunity to build equity over time. Unlike renting, where your monthly payments only go towards the landlord’s pocket, homeownership allows you to invest in an asset that can appreciate in value. As you make mortgage payments, you gradually increase your ownership stake in the property, which can lead to long-term financial stability and wealth accumulation.

2. Stability and security: Owning a home provides a sense of stability and security for you and your family. When you have a place to call your own, you have the freedom to establish roots in a community, build relationships with neighbors, and create a sense of belonging. Additionally, homeownership offers protection against rising rental costs and provides a stable living environment for years to come.

3. Freedom to personalize your space: One of the most exciting aspects of homeownership is the freedom to personalize and customize your living space. Unlike renting, where you are limited by landlord restrictions, owning a home allows you to make renovations, paint walls, and create a space that truly reflects your style and personality. Whether it’s updating the kitchen, adding a backyard oasis, transforming a room into a home office, or even having a pet, homeownership gives you the creative freedom to make your house a home.

Long-Term Financial Considerations

When considering becoming a homeowner in 2024, it’s important to take into account the long-term financial benefits. Here are some key factors to consider:

Tax advantages of homeownership: One of the major advantages of owning a home is the potential for tax savings. Homeowners can deduct mortgage interest, property taxes, and certain other expenses when filing their taxes. These deductions can significantly reduce the overall tax burden, providing homeowners with more disposable income.

Potential for property value appreciation: Owning a home can be a wise investment as property values tend to appreciate over time. While there are no guarantees, historical data shows that real estate generally increases in value in the long run. On average, home prices have risen from 3-6% over the last 20 years, according to data analytics company Black Knight. By purchasing a home now, you position yourself to potentially benefit from future property value appreciation.

Understanding mortgage options: Before making the decision to become a homeowner, it’s important to understand the different mortgage options available. Take the time to research and compare mortgage rates, terms, and conditions offered by various lenders. This will help you find the best mortgage option that suits your financial situation and long-term goals.

By considering these long-term financial factors, you can make an informed decision about becoming a homeowner in 2024. Remember, owning a home not only provides you with a place to live but also offers potential financial advantages in the years to come.

Preparing for Homeownership

When it comes to becoming a homeowner in 2024, there are several important factors to consider. One of the first steps is assessing your financial readiness. Owning a home involves financial responsibilities beyond just the mortgage payment, such as property taxes, insurance, and maintenance costs. Take a close look at your current financial situation, including your income, expenses, and debt. This will help you determine if you are financially ready to take on the responsibilities of homeownership.

Saving for a down payment is another crucial aspect of preparing to become a homeowner. Most lenders require a down payment, which is a percentage of the total purchase price of the home. Saving for a down payment can take time and discipline, so it’s important to start early. Consider creating a budget and cutting back on unnecessary expenses to increase your savings.

Don’t let the myth that you need 20% down on your home stop you from purchasing your first home. In reality, there are a ton of low-down payment options, such as:

•    FHA Loan- As little as 3.5% down
•    Conventional Loan- As little as 3% down
•    VA & USDA Loans- Starting at 0% down

Plus, we offer a variety of grants and programs to help qualified borrowers come up with enough cash to close on your new home!

Navigating the 2024 Housing Market

As we look ahead to 2024, it’s essential to understand the trends and forecasts that will shape the housing market. Whether you’re a first-time homebuyer or considering a move, being informed about the market conditions can help you make sound decisions. Here are some key factors to consider when navigating the 2024 housing market:

Trends and Forecasts for 2024:

Real estate experts predict that the housing market will continue to be strong in 2024. According to the Mortgage Bankers Association (MBA), interest rates are expected to drop to 6.1% by the end of 2024, meaning that potential buyers could be paying less in interest each month. However, it is important to keep in mind that as interest rates drop, the demand for houses will likely increase- meaning more competition.
Plus, trying to time the market perfectly will always be difficult, and could lead you to stay sidelined in your search- meaning you lose out on building equity in your own home.
It’s also important to remember that you can always choose to refinance your mortgage interest rate if rates fall after the purchase of your home.

Working with a Trusted Loan Officer and Real Estate Agent:

Understanding the home buying process is also essential before embarking on your homeownership journey. Familiarize yourself with the steps involved, such as finding a real estate agent, getting pre-approved for a mortgage, searching for the right home, making an offer, and completing the closing process. Don’t be afraid to reach out to a loan officer for advice or more information on the mortgage process, even if you aren’t quite ready to start looking for homes.

Another important steps in the homebuying process is finding a trusted real estate agent who understands the local market. A knowledgeable Coldwell Banker Seaside Realty agent can provide valuable insights, guide you through the entire process, and help you find the right home that fits your needs and budget.

When considering homeownership in 2024, it’s essential to stay informed about the trends, timing your purchase, and working with a trusted real estate agent and loan officer. By understanding these factors, you’ll be better prepared to navigate the housing market and make informed decisions that align with your goals.

This content is provided as part of the partnership between Coldwell Banker Seaside Realty and Townebank Mortgage. Original blog post can be found here.
The information contained herein (including but not limited to any description of lending programs and products, eligibility criteria, interest rates, fees and all other loan terms) is subject to change without notice. This is not a commitment to lend.

Disclaimer: Content provided by TowneBank Mortgage for informational purposes only. The information contained herein (including but not limited to any description of lending programs and products, eligibility criteria, interest rates, fees and all other loan terms) is subject to change without notice. This is not a commitment to lend. TowneBank Mortgage  NMLS# # 512138. Equal Housing Lender

Outer Banks Events December 28, 2023

New Year’s Eve 2023

New Year’s Eve 2023 on the Outer Banks

It’s almost the end of 2023! Another year has come and gone, what are your 2024 goals? If you are looking to venture out for New Year’s Eve dinner or interested in what’s happening on the OBX for New Year’s Eve 2023, we’ve got you covered! Below are some of our favorite Outer Banks restaurants offering New Year’s Eve dinners as well as things to do on the last night of the year!

Outer Banks Restaurants Open on New Year’s Eve

Aqua Restaurant

Blue Point

Bankok Thai Sushi

Kimball’s Kitchen-The Sanderling Resort

Village Table & Tavern

Roadside

NC Coast Cafe

Red Sky Cafe

Steamers

Shipwrecks Taphouse & Grill

Black Pelican

Ocean Boulevard

The Pony & The Boat

Trio Restaurant

Noosa Beach Grille

Jk’s Restaurant

Blue Moon Beach Grill

Basnight’s Lone Cedar Cafe

Inn at Pamlico Sound

Town of Manteo New Years Eve Celebration
The Town of Manteo is hosting a New Year’s Eve event-Midnight Magic in Manteo

NYE 2023 Manteo

This event is family-friendly with tons to do! Live music, fireworks at 8pm, participating restaurants, food trucks and more.
View more information here.

 

For more New Year’s Eve things to do, check out the Seaside Vacations OBX blog.
Happy New Year from the Coldwell Banker Seaside Realty Team!

Outer Banks Home BuyingOuter Banks Real Estate December 18, 2023

November 2023 Top Producers

November Outer Banks Real Estate Top Producers

Coldwell Banker Seaside Realty is proud to announce the Top Outer Banks Real Estate Producers for November 2023.

November 2023 Teams of the Month:
Kill Devil Hills: The VanderMyde Team
Kitty Hawk: The Sandman Team

November 2023 Agents of the Month:
Kill Devil Hills: Heather Huling
Kitty Hawk: Emily Bray
Elizabeth City: Amber Coppersmith

November 2023 Top Agents:

  1. Heather Huling
  2. Emily Bray
  3. Kent Copeland
  4. Melissa Morgan
  5. Brook Sparks

November 2023 Top Teams:

  1. The VanderMyde Group
  2. The Sandman Team
  3. The Driscoll Team
  4. The Brown Team
  5. The Burrus King Team

Coldwell Banker Seaside Realty Outstanding Performance November 2023:

  1. Emily Bray
  2. The VanderMyde Group

Congratulations to all of our Top November Real Estate Producers!
View all Outer Banks properties for sale here.

Outer Banks Events December 8, 2023

2023 Outer Banks Holiday Events

Outer Banks Holiday Happenings 2023

It’s the most wonderful time of the year on the Outer Banks! Our small business community is bursting with holiday cheer. Supporting our local small businesses as well as giving back to our neighbors and local organizations is what the holiday season on the OBX is all about. There are also some great local events, markets as well as great kids’ events taking place from Corolla to Hatteras Island. Enjoy our Outer Banks Holiday Happenings list below and be sure to check them out!

12 Bars of Christmas
This annual Outer Banks event is a collaboration between twelve local restaurants that transform into 12 festive pop-up bars during the month of December! All are decked out with holiday flair and décor, with catchy holiday themed names, menus and drink specials. A portion of the proceeds of this holiday tour goes to local Outer Banks charities.
More information here.

Holiday Lights-Elizabethan Gardens
A holiday tradition not to be missed! Stroll along illuminated garden walks and discover the joy of the season with holiday lights that transform the ten-acre gardens into an enchanted wonderland. The radiant glow, holiday décor, and a crackling open-air fire, add to the festive atmosphere. Seasonal plants and holiday gifts will be available in the Gift Shop and Nursery. Check the schedule for designated nights of live entertainment.

Hatteras Village Christmas Parade
58372 N.C. Highway 12Hatteras, NC 27943
December 9, 2pm-5pm
Join in the fun of one of the most festive celebrations on Hatteras Island with this annual Christmas parade that has become a decades-long tradition for locals and holiday visitors alike. The Hatteras Island Christmas Parade combines local businesses, fire departments, the US Coast Guard, and non-profit organizations in a joyful and small-town parade that will inspire anyone to get into the holiday spirit.

Shuck Hatteras Oyster Festival
December 15-December 16, 2023
25099 NC Hwy 12Rodanthe, NC 27968
Get in on the Shuck Hatteras II Oyster Festival 2023! The Shellabration takes place December 15 – 16th and will be filled with community, music, and food!
View more information here.

Spirits of Christmas at Café Pamlico
Monday, December 11, 2023
Visit Cafe Pamlico for an unforgettable evening of culinary delights and holiday cheer at our exclusive Spirits of Christmas Dinner on Monday, December 11th 2023.
View more information here.

OBX Family Events:

Brew N’ Art Holiday Market & Selfies with The Grinch!
Outer Banks Brewing Station
December 15 4:30-7:30
Local artists and makers selling handmade gifts, the restaurant is hosting an oyster roast, meet and take selfies will Anna Elsa, and Olaf, and Doc Perkins playing live music.

Dine With Santa!
Blue Moon Beach Grill
Reservations are recommended and can be made up to 1-month in advance.  Walk-ins are always welcome, as well.
Sunday, December 17:  2:30 PM – 5 PM
Monday, December 18:  3 PM – 5 PM
Saturday, December 23:  1 – 4 PM
View more information here.

 

The Great American Trailer Park Christmas Musical-Theatre of Dare
Show Dates:
December 8, 9, 14, 15 & 16 at 7:30 p.m.
December 10 & 17 at 2:00 p.m.
It’s holiday time down in Armadillo Acres (North Florida’s premier mobile-living community), and everyone’s filled with warmth and beer. But when a freak bout of amnesia strikes the trailer park Scrooge, neighborly love is put to the test. Be on hand as Betty, Lin, and Pickles jingle all the way with some new neighbors in an all-new, all-trailer-park musical! This companion to the original GREAT AMERICAN TRAILER PARK MUSICAL is just as much of a cat-fightin’, sun-worshippin’, chair-throwin’ good time-—but with tinsel and Keg Nog.
View more information here.

Soundside Holiday Markets
December 10 & December 17, 12-4pm
Nags Head Event Site
Featuring photos with Santa Claus, an appearance (or two) from the Grinch, a live camp fire to keep your hands and toes warm, Christmas tunes to sing along to, food trucks and 50+  favorite Outer Banks local makers and artisans.

Nags Head Church 4th Annual Christmas Stop
December 9 & 16, 5-8pm.
Nags Head Church is excited to host the 4th Annual Christmas Stop on December 9 and December 16 from 5:00 – 8:00 pm. Thousands of illuminated lights throughout the property at 105 W. Soundside Road in Nags Head transform the grounds into a winter wonderland. Snowballs will be flying around in the snowball arena with blizzard-like conditions. Gather around to hear the Christmas story while sipping on hot cocoa and nibbling on cookies. Photo ops are available for that perfect family Christmas picture. There will also be an opportunity for children to talk with Santa, create a Christmas keepsake and watch a favorite Christmas movie. Canned food donations are being accepted for the Beach Pantry
For more information here.

Merry ChrisMos – The 12 Days of ChrisMos
December 11, 2023
Hurricane Mo’s-Kitty Hawk
Get some shopping done with local artisans. Take selfies with the Grinch from 4 pm – 6 pm. Bring donations for the mobile food pantry.

Candy Cane Hunt Dowdy Park
December 14th,  4:45pm
We will gather under the pavilion, allow the littles hunt first, then ages 6 – 10 y/o will be in a separate area. Bring your flashlight.
View more information.

Outer Banks Holiday Market List:

  • Dowdy Park Farmers Market, Dowdy Park, 12/9, 9-12pm.
    View info.
  • Soundside Holiday Market, Aviation Park, 12/10, 12/17
  • The 12 Days of ChrisMos, Hurricane Mo’s-Kitty Hawk, 12/11
  • First Flight Holiday Markets, 100 Veterans Dr Kill Devil Hills, 12/12, 4-7pm
    View info.
  • Brew N’ Art Holiday Market-Outer Banks Brewing Station, 12/15, 4:30-7:30

For more Outer Banks Holiday Events, visit www.outerbanks.org
Happy Holidays from the Coldwell Banker Seaside Realty family!

Outer Banks Real Estate November 30, 2023

Holiday Decorating Tips & Ideas

Home holiday decorating tips and ideas

We love decorating for the holiday season! If you are looking for some new ways to decorate or just repurpose what you already have-we have gathered a list of ideas, and tips from an expert, to help you transform your home into a winter wonderland.

Holiday Decorating Ideas

Kitchen Decor
Decorate the heart of your home. Transform your kitchen around the holidays by hanging wreaths over the cabinet doors, and lining the top of cabinets with greenery or garland. Kitchen windows and vent hoods also make great spots to display wreaths and garland.

Dining Room 
Another opportunity for creating a festive holiday design style in your home is in your dining area. Add small wreaths to the backs of dining chairs or simply drape a seasonal throw for a more cozy feel. For the table, add some greenery, colorful candles or other fun smaller holiday decorations you may have.

Organic Touches
Go au naturel. No matter where you live, nature’s bounty is all around, and adding some aspects from what lives outside your home can create an organic flair to your holiday décor. For a more coastal feel, grab some seashells, colorful seaglass or dried pampass grass. If you don’t have access to these wonderful beach items, consider dried fruit, dried florals or even pines cones added to your wreaths and tablescapes. The results are seasonally appropriate and endlessly sophisticated.

Tips From An Expert
“One of my favorite ways to snuggle up to the holiday season is with timers on lights.  Since it’s dark before we can blink, having your home aglow with preset candle lights and Christmas lights when you get home sets the tone for warm and cozy holiday vibes.  Candles and string lights with timers are easy to find nowadays.  I also love using sprigs of plants and trees from my garden that I spray with a can of gold or silver paint to use in arrangements in holiday vases or as picks in the Christmas tree or garland.  It adds unique texture and bling that you can’t buy off the shelf!”- Tiffany Day, Outer Banks Interior Designer with Tiffany Day Designs.

Front Entrance Transformation
Adding a gorgeous wreath on the front door is a lovely and timeless option but why stop there?
Consider incorporating more unique items to your front entrance. Vintage furniture draped with garland or even a wooden sled, are beautiful additions to any Christmas display. As an alternative to a front door wreath, stuff a decorative stocking with fresh greenery to hang on your door. To add some color, grab those empty cardboard boxes, wrap with your leftover gift wrap, and display as pretty porch gifts. Be sure to stack by a well-sheltered front door out of the elements!

Happy Holidays from the Coldwell Banker Seaside Realty Team!

Outer Banks Home BuyingOuter Banks Real Estate November 27, 2023

Outer Banks Community: The Village at Nags Head

Featured Community: The Village at Nags Head

Nestled within the town of Nags Head is the community of The Village at Nags Head. The community offers 400+ acres of homes with many located on the sound and adjacent to Nags Head Golf Links.

As a homeowner within the ocean to sound community of The Village at Nags Head, you can enjoy many exclusive amenities including; two soundside piers, oceanfront beach club as well as multiple exclusive beach accesses, tennis courts and more.

The Village at Nags Head Amenities:

Private Sound Accesses 
There are two piers situated on the sound side of the Village at Nags Head, in addition to two sound side parks, available to all residents and their guests.  There is storage for kayaks at the north piers as well as storage for kayaks and day sailers at the south pier.

​Oceanfront park with bath house and private parking
Whether you live on the soundside or oceanside in the Village at Nags Head, there are plenty of ways to get to the beach.  This includes an oceanfront private beach access, located near MP 14.5, with a bath house and parking for Village residents. Village at Nags Head

Nags Head Golf Links
Located on the sound side of the Village, Nags Head Golf Links is an 18 hole championship course.  The clubhouse features a restaurant, lounge, golf shop and locker rooms.  Membership is optional but all are welcome to dine at the club.

Village Beach and Tennis Club  
The Village Beach Club features a 5,000 square foot pool with 15,000 square feet of deck space. The Village Beach Club has a restaurant, lounge, tennis as well as bath houses.  There are also outdoor showers for when you come off the private beach access.  Membership is optional.

If you are looking to purchase a home within The Village at Nags Head, begin your search here and contact a Coldwell Banker Seaside Realty agent.