Mary A. Randle

Supreme Properties Realty & Investments

Supreme Properties Realty & Referral Co LLC

Experienced Realtor in Charlotte that puts YOU first.

Exceeding Expectations... One Client at a Time!

Meet Mary!

Whether you are a first-time buyer or looking for a trusted agent to help sell your house, Mary has the experience & dedication you need to get the job done! Her people-first attitude combined with the skills she brings to the table makes her the best choice for buying/selling your next house. She is licensed in North Carolina, South Carolina, Maryland, Virginia, and DC... With access to the world!

Mary A. Randle, Broker / Owner



Memberships & Recognitions

  • 20+ years of experience as a real estate broker
  • NVAR Realtor - Top Producer Award
  • Re/Max International - Hall of Fame Award
  • Broker/Owner -
    • Supreme Properties Realty and Investments [NC]
    • Supreme Properties Realty & Referral Co. [DC/MD/VA/SC]
  • President and Community Service Award - Friendship House
  • IBM Corporate Award
  • Patriot Award - United Way of America



Want to find the best homes
in Charlotte? Ask me how!

testimonials

"Mary stays abreast of her industry. She does this by constantly taking classes to keep up with the dominant trends of the real estate business. She does this as a lof having been a broker-owner and a former executive with IBM corporation."

Shirley Moore

"Mary has been an absolute pleasure to work with. She truly takes the time to listen and truly understand those whom she works with. I would 100% reccommend Mary to any home buyer or anyone looking to sell their house in Charlotte looking for a new realtor they can trust."

Matt G

FAQ

Getting pre-approved for a mortgage is the first step of the home buying process. Getting a pre-approval letter from a lender get the ball rolling in the right direction.

Here’s why:

First, you need to know how much you can borrow. Knowing how much home you can afford narrows down online home searching to suitable properties, thus no time is wasted considering homes that are not within your budget. (Pre-approvals also help prevent disappointment caused by falling in love unaffordable homes.)

Second, the loan estimate from your lender will show how much money is required for the down payment and closing costs. You may need more time to save up money, liquidate other assets or seek mortgage gift funds from family. In any case, you will have a clear picture of what is financially required.

Finally, being pre-approved for a mortgage demonstrates that you are a serious buyer to both your real estate agent and the person selling their home.

Most real estate agents will require a pre-approval before showing homes - this is especially true at the higher end of the real estate market; sellers of luxury homes will only allow pre-screened (and verified) buyers to view their homes. This is meant to keep out "Looky Lous" and protect the seller’s privacy. What’s more, by limiting who enters their home, sellers are given extra security from potential thieves trying to case the home (like identifying security systems, locating expensive artwork or other high-value personal property).
From start (searching online) to finish (closing escrow), buying a home takes about 10 to 12 weeks. Once a home is selected an the offer is accepted, the average time to complete the escrow period on a home is 30 to 45 days (under normal market conditions). Though, well-prepared home buyers who pay cash have been known to purchase properties faster than that.

Market conditions are a major factor in how fast homes are sold. In hot markets with a lot of sales activity, buying a home may take a little longer than normal. That’s because several parties involved in the transaction get behind when business suddenly picks up. For example, a spike in home sales increases the demand for property appraisals and home inspections, yet there will be no increase in the number of appraisers and inspectors available to do the work. Lender turn-around times for loan underwriting can also slow down. If each party involved in a deal takes a day or two longer to get their work done, the entire process gets extended.
In sellers’ markets, increasing demand for homes drives up prices.

Here are some of the drivers of demand:

  • Economic factors – the local labor market heats up, bringing an inflow of new residents and pushing up home prices before more inventory can be built.
  • Interest rates trending downward – improves home affordability, creating more buyer interest, particularly for first time home buyers who can afford bigger homes as the cost of money goes lower.
  • A short-term spike in interest rates - may compel “on the fence” buyers to make a purchase if they believe the upward trend will continue. Buyers want to make a move before their purchasing power (the amount they can borrow) gets eroded.
  • Low inventory - fewer homes on the market because of a lack of new construction. Prices for existing homes may go up because there are fewer units available.
A buyer’s market is characterized by declining home prices and reduced demand. Several factors may affect long-term and short-term buyer demand, like: Economic disruption - a big employer shuts down operations, laying off their workforce.

Here are some factors that create a buyer's market:

  • Interest rates trending higher – the amount of money the people can borrow to buy a home is reduced because the cost of money is higher, thus reducing the total number of potential buyers in the market. Home prices drop to meet the level of demand and buyers find better deals.
  • Short-term drop in interest rates – can give borrowers a temporary edge with more purchasing power before home prices can react to the recent interest rate changes.
  • High inventory – a new subdivision and can create downward pressure on prices of older homes nearby, particularly if they lack highly desirable features (modern appliances, etc.)
  • Natural disasters - a recent earthquake or flooding can tank property values in the neighborhood where those disruptions occurred.
That’s up to you! For sure, home shopping today is easier today than ever before. The ability to search for homes online and see pictures, even before setting a foot outside the comfort of your living room, has completely changed the home buying game. Convenience is at an all-time high. But, nothing beats visiting a home to see how it looks and ‘feels’ in person.

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