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WELC
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The Official
SOUTHPORT–OAK ISLAND–BALD HEAD ISLAND
Newcomer & Relocation Guide
The Official
SOUTHPORT–OAK ISLAND–BALD HEAD ISLAND
Newcomer & Relocation GuideMagic Beach Fever Bald Head Charm
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LIBBY TAMSON [email protected]
(910)452-3400 5917 Oleander Drive, Suite 206 Wilmington NC 284031-800-849-2915 TOLL FREE
CTX Mortgage is one of the largest mortgage firms in the nation, so we possess the Financial Strength of an industry giant with the Flexibility of a Local Lender,
to offer you unparalleled service!
The CTX Mortgage Guaranteed Loan Program allows you to get pre-approved on your home loan. Eliminate any worries you may have about qualifying
and speed up your closing time.
The Mortgage Professionals
Let us help you becomea permanent member ofour community.
Whether you are buying your firsthome, building a vacation home
or purchasing investment property,our loan professionals will make
sure you get the best loan to meetyour investment needs. We also
offer special lot loan programs inmany of the area’s developments.
• Conventional and JumboMortgage Loans
• Fixed and Adjustable Rates• Construction and Construction-
Permanent Loans• Home Equity Loans
1-800-457-7438
101 North Howe Street • Southport4815 East Oak Island Drive • Oak Island
5074 Main Street • Shallotte
202 Village Road • Leland10231 Beach Drive • Calabash840 Sunset Boulevard • Sunset
T h e C o m m u n i t y B a n k i n B r u n s w i c k C o u n t y S i n c e 1 9 1 1 .
SECURITYSAVINGS BANK
—Since 1911—
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4 Welcome
7 HistorySouthport Magic
10 Attractions
12 Bald Head Island
14 Southern HospitalityDining, Shopping &Lodging
18 Education & Health Care
20 Real Estate/Homes/RelocationSouthport-Oak Island Living
22 Closing Attorneys
24 Mortgages
29 Map
Joseph E. Baroody, PublisherP.O. Box 210325, Columbia, SC 29221-0325Tel: (803)730-9044; FAX: (803)750-5254E-mail: [email protected] contents copyright 2003 by the Prudential Carolina RealEstate. All rights reserved. Reproduction in part or in wholewithout written permission from the Publisher is strictly prohibited. The Prudential Carolina Real Estate or thePublisher are not responsible for errors or omissions.
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10A Must Stop In Historic Southport NC
Unique Ornaments • Decorations and Gifts • Snowmen & SantasUnique Books • Great Ships & Nautical • Beautiful Dolls and more…
All at wonderful low prices!
Don’t forget to Visit our Brand New Store “Bull Frog Corner”1/2 Block from The Christmas House
457-5166104 West Moore Street
Antiques Upstairs and Downstairs!
Christmas HouseChristmas House
Christmas HouseChristmas House
Built in 1885
A special token of appreciation to Ms. Pat Kirkman,Southport Historical Society, and Mr. Wolfgang Furstenau,author of “Long Beach.” Their assistance was invaluable incomposing the History section.
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Whether you’ve come to Southportfor a week-end, a week, or a lifetime, you’ll find a pace of life that many thought had
long disappeared. Park your car—it’s free—and just experience the unreachable!
Its position in a protected harbor at the mouth of the Cape Fear River on the AtlanticOcean gives Southport unique charm and historic relevance. Incorporated in 1805, today,restored Victorian homes join art galleries, restaurants and magnificent oak-lined streets,outstanding architecture, quaint shops – most notably an abundance of antique shops andthe famed “Christmas House” in welcoming visitors. Year round golf, boating and fishingseasons, create an enormous pleasant environment.
Please stop by the Southport visitors Center on Moore Street, where Randy and his ableassistants are more than happy to assist you with complete updated information on thecharm that many call “Southport Magic.”
Approximately five miles down the road, over the OakIsland Bridge, lies the town of Oak Island. Almost 13 milesof wide sun drenched beaches devoid of neon and high riseswill bring back memories of childhood beach vacations.
The Brunswick County Airport, and Eastern Aviation, thepopular air charter service, handle the bulk of the airflights to this area.
Across the Cape Fear River on the most Eastern end of
WELCOMEWELCOME
115 N. Howe StreetSouthport SC 28461
(910)457-6769(910)457-6769
Oak Island is Caswell Beach. Along with itspristine beaches, a major landmark of the townsis the Oak Island Lighthouse. Activated onMay 15, 1958, it is the most brilliant in thenation and second in the world with standardcandlepower of 1,400,000.
Nearby, off highway #211 is the town ofSaint James, an upscale community, conve-niently located to schools, entertainment, and beaches.
Eight miles northwest of Southport on Highway #87, Boiling Springs Lake, is named formore than 50 natural and manmade lakes. Golf, swimming, boating, water skiing, tennisand outstanding fresh water fishing, make this a wonderful relocation and retirement area.
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From Anywhere Ǔ To Anywhere Ǔ Anytime !
910-457-5444
www.easternaviation.com
Member NATA/NBAA
FAA Certified Air Carrier
On-Demand Air Charter Service
Brunswick County Airport Oak Island, NC
Written by Ms. Pat Kirkman
Italian adventurer, GiovanniVerrazano, was among the firstEuropeans to sense the “magic” ofthis special place in 1524.However, his highly favorable report tothe King of France, his sponsor, encouraging him to send French settlers went unheeded.Two years later Lucas Vasquez de Ayllon with three ships and a large group of Spanish settlers sailed into our harbor. They stayed only long enough to build what was possibly thefirst ship built in the New World after having wrecked one approaching Cape Fear.
The exploits of pirates darting in and out of the coastalwaterways of the Carolinas brought Col. William Rhett upfrom Charleston to seek out Blackbeard’s cohort, StedeBonnet, known as “the gentleman pirate”. Having careenedhis ship, The Royal James, in what is now known asBonnets Creek in Southport, Bonnet was caught by surprise and after “the battle of the sandbars” was takenprisoner and hung in the Charleston harbor.
Perhaps Maurice Moore felt the “magic” of the area as he brought his troops along the CapeFear River from South Carolina. On his way inland to assist in subduing the 1715 Indianuprising, he took note of the high bluffs and desirable land along the banks. Ten years later,accompanied by his brother, “King” Roger Moore and other relatives, Maurice and “TheFamily” as they came to be known, were given grants for immense tracts of land by theEnglish Lords Proprietors. In 1726 the Moore brothers laid out the colonial town ofBrunswick a few miles upriver and the first permanent English settlers established homesand engaged in the naval stores business of providing tar, pitch and turpentine to the moth-er country. Roger Moore also built Orton Plantation, the gardens of which can still beenjoyed by visitors today.
MAGICMAGIC
St. Philip's Episcopal Church—1860
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ness, the population continued to grow and by the1850’s became a favored resort with hotels andboarding houses. Tourists in the antebellum days ofthe 1850’s were eager to experience the “magic” ofSmithville and its healing breezes.
By the end of April, 1865 the war was over. Fourthof July celebrations resumed in 1868. The first cele-bration had started in 1795 and even todaySouthport is recognized as the official site of the North Carolina 4th of July Celebration.
Eager to do whatever it took to please developers who were planning to turn this fishingvillage into “the port of the South” and to attract the attention of the railroad magnates,the town leaders agreed to change the name to Southport and on May 29, 1887 it wasofficially renamed.
War came again in 1917 when America joined the allies to fight Germany. Red Crosschapters were formed immediately in Southport to provide for emergencies at Ft.Johnston and Ft. Caswell. Dr. J. Arthur Dosher returned home to set up his practice andwas appointed post physician for the quarantine station. Today’s Dosher Hospital isnamed for him, as he was instrumental in establishing Brunswick County’s first hospital.
Southport celebrated her bicentennial in1992 and her popularity as a resort townand excellent place to retire accelerated. Thelast decade has seen phenomenal growththroughout Brunswick County and moreand more folks have come to find thisquaint seaport village filled with “salubriousbreezes” just the place to find the lifestyleenjoyed during those “gentler, kinder” daysgone by. Yes, there is “magic” here, comeand experience it for yourself!
Oak Island The Cape Fear River had always been important to those living near its banks, and tothose who sailed along the Eastern seaboard. Oak Island began to play a significant role inthe early development of the North American Coast when Fort Caswell was established atits eastern tip in 1826 to protect the harbor entrance. However, early explorers knew theriver centuries ago. Later, with land access to Fort Caswell, Yaupon Beach provided thegateway to development of the beach area there and in what is now Long Beach.
Since Long Beach as an entity is a rather late development on Oak Island, the early histo-ry of the island is considered an integral part of the history of Long Beach as well. Thishistory deals primarily with 20th century developments. It could not be complete, howev-er, without recognizing that an earlier civilization lived here long before the Europeans
arrived. The coastal area was the homeland of the American Indians. They had developeda social structure even in their often nomadic life style. They knew and visited Oak Islandlong before the European steamroller made whites and Negroes the dominant races inthis area.
In 1939, Ernest F. Middleton, a timberman from Charleston, South Carolina, envisionedthe potential of Oak Island as an area for year-round living. The official opening of LongBeach took place in July 1, 1939. It was the grand opening of the newly built pavilionand canteen on a Saturday night with the musical sounds from Vince Eiserman, and hisorchestra from Florence, South Carolina. He played for the very first dance ever to beheld in the new Long Beach pavilion.
Everything is a little different today, but many still come to this family oriented atmos-phere which is second to none for beautiful beaches and what they still call “Beach Fever.”
Bald Head IslandDating back thousand of years, Smith Island beganits formation at the mouth of the Cape Fear River.Beginning as a small tidal flat, it begins to take itsshape. Marsh grasses and small scrub trees took root.
Throughout the centuries, native Indians livedthroughout this desolate island. The Marsh, tidalcreeks and ocean provided excellent fishing and shellfish to feed upon.
On Smith Island the river pilots would walk thehighest dune ridge where the ocean met the river insearch of incoming vessels. Then they would boardtheir boat and try to be the first pilot to reach thevessel. Their walks across the dune ridge wore all vegetation off the dune so that whenships approached the river, the first sight of land was a naked dune on Smith Island. Thatnaked dune looked at sea liker a man’s bald head. And so the name Bald Head Island wasborn. The large ships would look for the bald head island and the river pilots locatedthere to lead them to Wilmington. Today, a portion of the bald head is visible – althoughno longer bald. It is located at the end of Sand Piper Trail.
Pirates used Bald Head Island as a hideaway. The pirates would watch for vessels thatwould run aground on the Frying Pan Shoals, and then commandeer their cargo andvaluables. Bald Head Island was a favorite stopping point to refill their food supply andbury some of their loot! Along with Blackbeard, Stede Bonnet was one of the infamouspirates, who often used this island paradise as a hideaway.
During the increasing rumblings of mutiny, Bonnet met up with the ship Queen Anne’sRevenge, captained by the feared Edward Teach, nicknamed Blackbeard.
Many of the streets on the Island today are named after famous pirates that frequentedthese waters. Bald Head Island has been used as a vacationer’s paradise back to the early1900’s. That same Bald Head Island charm from the early 1900’s still holds true today asmuch as ever.
Thompson House
Brunswick Inn
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Brunswick TownEstablished in 1726 and destroyed by the British in 1776, this famous historical site is whereyou’ll find the 250-year old ruins of structure that once populated the community as well asthe great earth mounds of Fort Anderson, built in the 1860’s. The Visitor Center includesexhibits depicting the colonial life in Brunswick and artifacts from the ruins. Located at8884 Saint Phillips Road, Winnabow, NC. Telephone (910) 371-6613.
Fort Johnston - Fort Fisher Civil War Museum-N.C. AquariumOverlooking the Cape Fear River in Southport, Fort Johnston wasthe first fort to be built in North Carolina, established by the state’slegislature in 1745.
Just across the Cape Fear River by ferry from Southport is the FortFisher Civil War Museum, the last major stronghold of the Confederacy and the largest CivilWar earthwork fortification in the South. Located at Carolina Beach, call (910) 458-5538.
While viewing the Museum at Fort fisher, nearby is the North Carolina Aquarium at FortFisher. This aquatic marvel recently underwent a multi-million dollar expansion. Habitatsemphasize the region’s aquatic life, including alligators, sharks, rays and much more. Call(910) 458-7468.
Franklin Square Art Gallery & Southport Art MuseumThe Franklin Square Art Gallery, 301 East West Street, Southport and the Oak Island
Senior Center Craft Shop and Center , 5918 E. Oak Island Drive,Oak Island are association of artists and craftsperson’s who show andsell their respective work in a community-based gallery. The
Southport Art Museum, a historic art museum of thelower Cape Fear, is located at 309 N. Howe Street.Displays of famous writers like Robert Ruark, Cape FearIndians, early explorers and the Civil War years are all herefor your enjoyment. 11
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Southport TrailThe Southport Historical Society recreates historical “Southport Magic” which enlivensthe charms of yesteryear.
This one- mile self-guided walking tour of historic Southport features 25 landmarks,ranging from the old Brunswick County Courthouse to well preserved Victorian Manors.
For additional information on Historical Southport, please contact the SouthportHistorical Society, 501 Atlantic Avenue, Southport, NC 28461, or the Southport VisitorCenter, call 1-800-388-9635.
North Carolina Maritime Museum of SouthportHouses a unique collection of memorabilia pertaining to the vast nautical history of theLower Cape Fear; and Southeastern North Carolina. 116 N. Howe Street, (910) 457-0003.
Oak Island Light HouseThis beacon of light is located on the U.S. Coast Guard Station Oak Island in Caswell Beach and was completed in 1958 and stands 169 feet. The primary light is a four light rotating fixture, reaching 24 nautical miles offshore and flashing every 10 seconds.
Oak Island Center & Register ParkOverlooking the Marsh and Intracoastal Waterway, the Oak Island Nature Center offers a wide range of educational activities for children and adults alike. Located: End of 52nd street in Oak Island. Seasonal. Call (910) 278-5518.
Bald Head Island LighthouseThe state’s oldest remaining lighthouse, Old Baldy, is open for tours on Bald HeadIsland. Built in 1817, the 90-foot brick structure helped guide ships safely to the mouthof the Cape Fear River until 1935. Some 100 steps and a wooden ladder lead to the topand a spectacular view of the Island, Atlantic Ocean, and Cape Fear River.
The Bald Head Island Ferry departs from Bald Head Island from the Indigo Plantation inSouthport daily, every hour on the hour from 8 am to 6pm, except at 12 noon.Reservations are encouraged and call (910) 457-5003 for updated schedules.
Orton Plantation GardensOrton Plantation is situated on the Cape Fear River, 10miles north of Southport, at the northern end of the“Carolina Low country.” The real beauty of Orton is in theimpressive trees of live oak, magnolias, cypress, and pinetrees. This exceptional plantation continues to be the scene
for many motion pictures, both for feature films and television. 9149 Orton Road,SE, Winnabow, NC 28479. Call (910) 371-6851. www.ortongardens.com.
ATTRACTIONS
The ten-acre Bald HeadIsland Marina, home of theBald Head Yacht Club, pro-
vides comfortableberths forsailors whotreasure thenearly ever-present breeze, power boaterswho enjoy the
full-service convenience, and anglers hooked onthe island’s proximity to the prolific Frying Pan Shoals and Gulf Stream.
The island is also a home to a dedicated group of volunteers who work with the NatureConservancy to protect sea turtles nest on the island. Turtle nesting on Bald Head Islandaccounts for 50 per cent of all turtle eggs laid in North Carolina. The Sea Turtle Program, featured on public television, protects and monitors these creatures.
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�outhport �istorical �ocietyOrganized in 1976 to preserve and interpret the unique history of Southport, North Carolina.
For more information call 910-457-0579 or write to PO Box 10014, Southport NC 28461
Just off the coast of Southport and themainland, at the mouth of the Cape
Fear River, is the pristine Island of BaldHead. The island is easily identifiable inthe distance by the wide-based, octagonshaped brick Bald Head Island Lighthouse,built in 1817 and retired in 1935 and cata-logued as the oldest lighthouse in North Carolina.
An 1817 lighthouse, known affectionately as “Old Baldy,” standssentinel over the island’s entrance, and the shops, restaurants andcharming residences of Harbour Village capture the essence of old-fashioned coastal communities—an architectural tone that resonates throughout the entire island.
Beautiful unspoiled beaches wrap up the island, including the majestic Cape Fear Point, the southernmost of North Carolina’s magnificent capes. Fourteenmiles of pristine beach are fully devoted to traditional seaside activities—such as finding theperfect shell, building a not-so-perfect sandcastle, and simply splashing about in the goldensurf. With classically designed coastal cottages along their periphery, Bald Head Island beach-es recall carefree days by the shore—an experience well worth preserving and passing downthrough the generations.
Modern-day Bald Head Island is a village with a cadre of year- round residents; a retreatfrom modern pressures with no automobiles; an upscale vacation resort featuring the exclu-sive Bald Head Island Club’s championship golf course. In the middle of the island, a vastmaritime forest preserve beckons adventuresome hikers and families seeking a shaded picnicspot among centuries –old live oaks, yaupons, and sabal palms. Across the northern edge ofthe island, 10,000 acres of tidal creeks and salt marsh stand forever protected as nature pre-serves. The gentle rise and fall of the topography, together with the variety of trees andplants, create an enchanted forest setting that is exceptionally rare along the coast.
BALD HEAD ISLAND
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Ask About Our Famous Barbecue Ribs
454-87001673 N. Howe Street • Southport NC
454-8700Homemade Desserts Located In Front of “Wal-Mart” • All ABC Permits
Dining
Our native specialty cuisine is seafood, of course. The world renowned “Calabash”
style seafood cooking originated in Brunswick County and is popular here.
There are some good family restaurants, but you would be put to the task to improve on “Zachary’s” mouthwatering and scintillating
Ribs and steaks. This local Southport favorite features fine dining in a casual atmosphere and also offers a diversified menu of fresh seafood,
creative chicken and pasta dishes, ravishing hamburgers, and many more. This is a must!!
The Yacht Basin Provision Company is very unique to mostpeople. The ambience combined with the some of the bestseafood you’ve ever tasted, makes it a local favorite.
“Mr. P’s”, overlooking the waterway, diversified menu is indicative of excellent prepared food in an upscale manner.
The Southport-Oak Island area is home to many restaurants that will please any palate,from the vegetarian to the most serious seafood lover. From casual delicatessens like the verypopular “Southport Village Deli, to fine dining overlooking the ocean at “Whale of a Time”on Oak Island, there is something for everyone. Jones Seafood on Oak Island has been afamily favorite for over 30 years, owned and operated by the same family.
Many say it’s an Oak Island tradition to start your day with breakfast at Edna’s, Russell’sPlace or “Little Bits.” All are excellent.
Shopping
Shopping in andaround the
Southport-OakIsland area is a unique experience. Many of the shops are within an easy walk in Southport’spicturesque historic district. Leave the car parked on the street and enjoy a leisurely strollalong the town’s waterfront and main thoroughfare, particularly Moore and Howe streets.It’s always a treat to begin with the “Christmas House,” a well preserved 1885 Victorian-style home in the heart of Southport’s Historic District on Moore Street. Choose from adelightful and reasonably priced collection of unique ornaments, decorations and gifts,beautiful dolls, and many precious antiques. It’s a must for shoppers and antique lovers!!
Just a half a block away on the other side of Moore Street, is the “Bull Frog Corner.” This rela-tively new, but very neat store offers an old fashion candy store like when we were kids, a uniqueHistorical and nautical area, a jewelry bin, very distinct local gifts and much much more.
There are many quaint shops on Howe street, but one of the most unique is Isabella GrapeBoutique, offering Eclectic and fine fashion for women. This upscale boutique featuresdistinctive shoes, gifts, jewelry, collectibles and more.
Oak Island has many varied shops from beach wear to neat gift shops, but one that is truly unique and quite interesting is Seaside Baskets, 706 Yaupon Drive. An eclectic collection of stuff for joyful living, and includes accessories and fine wines. Many purchase a basket of goodies and take it to the Beach for a picnic! A must see!!
SOUTHERNHOSPITALITYDining, Shopping &Lodging
"Outlaw"
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It’s been called the UltimateWaterfront Inn! Beautifully restored
19th Century home located in theheart of Historic Southport.
Outstanding view of ships passing onthe Cape Fear River from enchanting
and quaint rooms filled with period furniture.
Each room with Cable TV and FAX andBusiness Center available.
Comfort • Convenience • Historic Charm Modern Amenities
(910)457-67011-800-457-1152
106 West Bay Street Southport NC 28461
www.loisjanes.com
(910)457-67011-800-457-1152
106 West Bay Street Southport NC 28461
www.loisjanes.com
Daily • Weekly • Long Term Rates� Beach Access � Color Cable TV� Pool � Room Phones� 42 Rooms/ � Small Pet Friendly
Efficiency Apartments
Corporate, Military & Senior Citizen Discounts
278-60266401 E. Oak Island Drive
www.realpages.com/captainscove
Lodging
The Southport-Oak Island area can accommodatea wide range of choices in lodging from
Motels, Inns, Bed-and-Breakfasts, to condo-miniums and beach house rentals.
The Captain’s Cove Motel, 6401 E. Oak IslandDrive is nestled among shady oak trees and a hop skipand a jump to the beach. Restaurants and shopping within walking distance and champi-onship Golf Courses nearby. A quiet family atmosphere run by very nice local people forover 30 years. You have a choice of a regular room with refrigerator or an efficiency apart-ment at very reasonable rates.
Lois Jane’s Riverview Inn, 106 West Bay Street, Southport. It’s been called the ultimatewaterfront Bed and Breakfast and offers its special guests the very best of amenities. Those that seek a panoramic view located directly on the Riverbank, call Seaside Motel,
(910) 457-6986; same owners and modern amenities.
The Inn is owned and operated by fourth generation directdescendants of the builder. Constructed in 1891 by Lois
Jane’s grandfather, this Historic home was faithfullyrestored by her children in 1995 and furnished withtraditional period furniture and accessories, many of
the pieces family heirlooms.
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Dosher Memorial Hospital, a 100-bed community hospitalwith acute and skilled nursing care, offers a full range of
services to meet the community’s needs from Cardiopulmonary/Respiratory Therapy and Obstetrics, to Emergency Medicine.
This Southport giant is fully committed to provide excellent care in a compassionate andfriendly environment as it embarks on its highly anticipated expansion project. The original2-story hospital will be replaced by a 35,000 square foot upscale structure designed in thestyle of the original building honoring their heritage.
This quiet and blissful area has quite a few Dentists, but Dr. Jennifer S. Williams in Southport,has made her mark here and is repudiated to be one of the best family dentists in the wholecounty. Her gentle and friendly nature along with complete
patient devotion has made her a family favorite for many, especially the children. 8580 River Road, SE. Call (910) 457-0904 for an appointment.
The Brunswick County School system is composed of8 elementary, 4 middle schools, 3 high schools, and the Brunswick Learning Center. Students
in the region enjoy modern classroom and athletic facilities from preschool through college.
One of the very best and popular private schools in the area is the Southport ChristianSchool, dedicated to the academic and spiritual growth of children Pre-K—5thGrade. Located 8068 River Road, Southeast. Call (910) 457-5060.
Brunswick Community College, established in 1979, serves over 1,000curriculum students and more than 12,000 others in over 800 continuingeducation courses at its three locations: the main campus in Supply, NC islocated on Highway#17-North just north of US highway#211; the Leland Center is in theLeland Industrial Park on Highway#74/76; and classes are held in Southport at 705 N.
Lord Street. This modern structured College is building leadersfor the future. Through its New and Expanding IndustryProgram and its Small Business Center, BCC works closelywith area businesses and industry to tailor skills training totheir needs.
The upscale 1500 seat Odell WilliamsonAuditorium is your link to arts and entertainment in the region with concerts,plays, and performances year-round.www.brunswick.cc.nc.usCall (800)754-1050 Toll Free. (910) 755-7300 is local.
“Train up a child in the way he should go, and whenhe is old, he will not depart from it” Proverbs 22:6
Dedicated to the academic and spiritual growth of children.Pre-K–5th Grade.
8068 River Road SE Southport NC 28461
8580 River Road, SE • Southport NC 28461
(910)457-09048580 River Road, SE • Southport NC 28461
(910)457-0904
Jennifer S.WilliamsJennifer S.Williams
HEALTH CAREEDUCATION
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Southport-Oak Island LivingWhether you’re after an old house steeped in History, a beautiful upscale home, a home onthe water front or Beach, or a brand new custom home in a choice setting, your real estateagent is the Prudential Carolina Real Estate, for the very best possible service. This rock-ribbed Southport giant operates out of its office at 4565 Long Beach Road, SE#1,Southport, NC. 28461. (910) 454-8451.
Prudential Carolina Real Estate’s expertise, success in the marketplace, direct access to theirNational network and unwavering excellent reputation for integrity, is the contributing fac-tors in making them the premier choice in Relocation services and real estate. Ask for one oftheir Relocations Packages.
REALESTATE/HOMES/RELOCATION
Southport/Oak Island Prudential Team
Chuck Aydlette Mary Ann McCarthy
888-809-3216 • 910-540-3190TOLL FREE TOLL FREE-866-850-3166
Visit our website: www.southportrealestate.net• Brokers • Certified Residential • Over 33 Years Experience Specialist• Recipient 2002 SC • Certified New Homes
Businessman of the Year Award Representative• Certified Relocation Specialist • Fine Home Specialist
• E Pro Certified• Certified On Site Sales
Representative• Member, Prudential
Chairman’s Club
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The purchase of real estate is contingent on the contractthat the buyers and sellers agree to and sign that sets
into motion the necessary events that will eventually lead toa closing. A Closing refers to the meeting when the buyers,the sellers and their respective real estate agents meet at the closing attorney’s office to con-summate the delivery of a deed, the signing of notes, and the disbursement of funds neces-sary to the sale. The closing Attorney is skilled in real estate matters and has the necessaryexpertise to ensure that both parties’ interests are protected. The Attorney’s labor begins longbefore closing and continues until all matters are completed satisfactorily. This includes, titlesearch, document preparation and the orchestration of the closing itself.
Title Search and InsuranceA title search of the public records of the county in which the property is located is vitalto ensure that the current owner has a good title to the property purchased. In addition todetermining ownership, the title search should uncover all liens, encumbrances, covenants,easements, right of ways, and any other matters recorded against the respective property.
Title insurance will be required by the lender to insure against hazards inherent in realestate titles, but may not be apparent from the title search. Most title insurance policiesshould protect against defects.
Settlement StatementThe attorney has prepared a settlement statement for the closing, which is the mantle ofthe real estate transaction with respect to the financial aspects. This important statementlists all those charges that the buyers or the sellers must pay. It is also a balance sheetshowing debits, credits and adjustments to the buyer and seller resulting with the amountof cash the buyers must pay at closing and the net proceeds the sellers are to receive atclosing. Purchaser’s settlement costs must be paid with a certified check.
DeedThis is the singular most important document from the buyers point of view. This is thedocument by which the sellers transfer legal ownership of the property to you.
Note & MortgageIf you have borrowed money from a lending institution to help you finance the property,you will be required to execute at settlement a mortgage note and a mortgage. This noteoutlines the obligation between you and the lender for the amount borrowed.
ClosingWhen you employ a competent attorney and real estate agent working together in tan-dem to resolve problems before closing, your closing generally goes very well and smooth.Choosing an experienced real estate attorney to handle your transactions is of paramountimportance in protecting that investment.
Stiller & Disbrow, P.C.Attorneys at Law
Stiller & Disbrow, P.C.Attorneys at Law
Bonner L. Stiller Jason C. Disbrow
• Refinances• Deed Preparation• New Purchases
• Equity Line Closings• Construction Loans
457-5076Toll Free 1 -800-750-4030
PO Box 11058801 N. Howe Street, Suite 7
Southport NC [email protected]
Over 25 Years Experience
Real Estate Law • Business Law • Personal Injury • Traffic Related Services
(910)454-06061226 N. Howe Street Southport NC 28461 Fax (910)454-0663
CLOSING ATTORNEYS
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Experienced local company with customerservice as our number one priority.
WE HAVE MANY PROGRAMS AVAILABLE FOR:
* PURCHASES—UP TO 100%
* DEBT CONSOLIDATION—UP TO 125%
• INVESTMENT PROPERTIES
* JUMBO LOANS
* LOT LOANS
• CONSTRUCTION/PERM
* VA
* CONVENTIONAL RESIDENTIAL
* COMMERCIAL
Credit problems understood. Call today for free pre-qualification.
5653 Carolina Beach Road, Unit D2Wilmington NC 28412
(910)452-0816
When most people think about choosing a mortgage firm, they think about finding thelowest rate. Period.
Of course, financial considerations are important to every homebuyer, and you certainlyshould consider the different rates mortgage firms in your respective area offer on comparableloans. But you also want to find a mortgage professional you can trust, and someone youcan work with effectively. It’s sometimes very wise not to let rates be your only criteria.
1. Build a list of mortgage companies. Talk to people you know who have bought or refinanced a home recently. Check the newspaper’s real estate section or business section,or ask your real estate agent if their firm has an in-house loan originator.
2. Talk to a mortgage professional. Call or visit the firms on your list. Get a feel for whatit will be to work with them, and how they approach your needs. If you’re still uncertain,ask for references—recent homebuyers like yourself –and talk to them.
3. Compare rates for similar loans. Among the things you’ll want to discuss with prospectivefirms are the rates they offer on mortgages. But when comparing rates between firms, besure the rates are for comparable loans—and remember to include fees and other costs soyou’re really comparing apples to apples!
Two Key Factors in Qualifying for a Home LoanIn attempting to approve homebuyers for the type and amount of mortgage they want,mortgage companies basically look at two key factors: the borrower’s ability and willingnessto repay the loan. Ability to repay the mortgage is verified by your current employment andtotal income. Generally speaking, mortgage companies prefer for you to have been
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ES employed at the same place for at least two years, or at least be in the same line of work
for a few years.
The borrower’s willingness to repay is determined by examining how the property willbe used. For instance, will you be living there or just renting it out? Willingness is alsoclosely related to how much you have fulfilled previous financial commitments, thusemphasis on the credit report or rent and utility bills.
It is important to remember that there are no rules carved in stone. Each applicant ishandled on a case-by-case basis. So even if you come up a little short in one area, per-haps one of your stronger points will make up for the weak one. Everyone involved inreal estate is in the business of selling homes, in one way or another. Therefore, if theloan makes sense, mortgage firms and insurers will do their best to see that you qualify.
By its very nature, mortgage insurance is an aid to affordability, because it allows fami-lies to purchase homes with less cash on hand. The industry plays a central role in help-ing low-and moderate-income families become homeowners.
The BorrowerThe borrower’s willingness to repay is determined by examining how the property willbe used. For instance, will you be living there or just renting it out? Willingness is alsoclosely related to how you have fulfilled previous financial commitments, thus emphasison the credit report or rent and utility bills.
It is important to remember that there are no rules carved in stone. Each applicant ishandled in on a case- by- case basis. So even if you come up a little short in one area,perhaps one of your stronger points will make up for the weak one. Everyone involvedin real estate is in the business of selling homes, in one way or another. Therefore, if theloan makes sense, mortgage firms and insurers will do their best to see that you qualify.
By its very nature, mortgage insurance is an aid to affordability, because it allows fami-lies to purchase homes with less cash on hand. The industry plays a central role in help-ing low-and moderate-income families become homeowners.
Libby Tamson, Award winning top producer.
With all the finance options made available to our clients in today’smarket, guidance and direction are needed more than ever! In my
over 15 years of mortgage banking experience, I’ve had the wonderfulopportunity to help a lot of great people achieve home ownership.
I sincerely believe my service to my clients does not end once they close on their home, but continue through their respective buying years. Customer service and repeat customers are a toppriority. People are the most important part of my business and I look forward to working withboth of you. Call Libby at (910) 452-3400 in Wilmington or toll FREE 1-800-849-2915.
SECURITYSAVINGS BANK
At Security Savings Bank, we realize the importance of family and community. That’swhy we’ve been the community Bank in Brunswick County since 1911.
Whether you are buying your first home, building a vacation home or purchasing invest-ment property, our mortgage professionals will make sure you get the best loan to meetyour needs as well as your budget. We also offer special lot loan programs in many of thecounty’s finest developments.
With our “Construction-Permanent” loan, we complete your construction loan and yourmortgage loan in one easy application process. That means that you’ll pay closing costs foronly one loan. Please call 1-800-457-7438 for loan or mortgage rates and let us help youbecome a permanent member of our community today.
Wells Fargo Home Mortgage, Inc.originates mortgage loans in New Hampshire under License No.5757 MB for first mortgages and License No.5768 MHL for
second mortgages and is a New Jersey Department of Banking Licensed Mortgage Banker.© 2003 Wells Fargo Home Mortgage, Inc.All Rights Reserved #3517
There is a Reason Wells Fargo Home Mortgage is oneof the Nation’s Leading Retail Mortgage Lenders
• Wide Selection of Conventional & Government Loans • Full Range of Affordable Home Loan Programs • New Construction & Renovation Programs • Quick Loan Decisions • Service: How,When and Where You Prefer
Call Today!JulieAnn Adams • 910-793-3904 Sally Belden • 910-793-3902
Wells Fargo Home Mortgage2605 Iron Gate Drive, Suite 100 • Wilmington, NC 28412 • 800-967-0763
www.wfhm.com/wfhm/nc-wilmingtonbranch-wilmington
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Custom PiersFloating Docks Vinyl Bulkheads I.M.M. Boatlifts
PO Box 10671Southport, NC 28461
910-845-2224mobile:910-279-3027
SHORELINE MARINE CONSTRUCTIONSHORELINE MARINE CONSTRUCTION
Dining & Lodging1–Riverview Inn2–Captain’s Cove Motel3–Zachary’s American Grill
Education & Healthcare4–Southport Christian School5–Jennifer S. Williams, Dentist
Closing Attorneys6–Gary S. Lawrence, Atty. 7–Stiller & Disbrow, PC
Mortgages8–Security Savings Bank9–National City Mortgage/Kabir
Other Advertisers10–Eastern Aviation11–Carr Insurance12–Southport Historical Society13–The Christmas House
Advertisers Not Shown on Map• Wells Fargo Mortgage/Sally Belden
(910)793-3902, Wilmington, NC• CTX Mortgage/Libby Tamson
(910)452-3400, Wilmington, NC• Shoreline Marine Construction
(910)845-2224, Oak Island• Seaside Mortgage Inc.
(910)452-0816, Wilmington, NC
Historical SitesA.Thompson House 1868B. Fort Johnston 1745C. Brunswick Inn 1859D.St. Philip’s Episcopal Church 1860E. Franklin Square Park 1792F. Old Smithville Burying GroundG.Stede BonnetH.Walker-Pyke House 1800I. Waterfront ParkJ. Keziah Memorial Park 1715K.Adkins-Ruark House 1890
Wells Fargo Home Mortgage, Inc. originates mortgage loans in New Hampshire under License No. 5757 MBfor first mortgages and License No. 5768 MHL for second mortgages and is a New Jersey Department ofBanking Licensed Mortgage Banker. © 2003 Wells Fargo Home Mortgage, Inc. All Rights Reserved #3517
Move ahead with your homebuying dream
As one of the country’s leading retail mortgage lenders, Wells Fargo HomeMortgage has the resources and capabilities to meet your unique home financing needs. We offer a comprehensive selection of mortgage choices withflexible down payment, interest rate, and closing options. Our experiencedhome mortgage consultants help simplify the mortgage process. And we have a personalized solution for you. No matter what your stage of life. No matterwhat your homebuying dreams. Because dreaming is the first stage. Wells Fargo.The Next Stage®.
Sally Belden910-793-3902
www.wfhm.com/wfhm/sally-belden
Juli Ann Adams910-793-3904
www.wfhm.com/wfhm/juliann-adams
2605 Iron Gate Dr. • Wilmington, NC 28412800-967-0763
