+No purchase necessary to enter or win. A purchase will not increase your chances of winning. To enter or win, entrants must be a a legal resident of the US, at least 21 years of age, and complete a registration card and visit at least two of our models during thepromotion. Void where prohibited. Promotion begins/ends at 12:00 pm/2:00 pm ET on 2/21/15. The following prize will be awarded: (4) $50.00 VISA Gift Cards. Do not have to be present to win. For Official Rules, prize descriptions and odds disclosure, visit theTuscany model, 5409 Tuscany Drive,Waxhaw, NC 28173. Prizes are subject to respective terms and conditions. Sponsor: Standard Pacific of the Carolinas, LLC. . Prices, plans, and terms are effective on the date of publication and subject to change without notice.Map is not to scale. Graphic depiction of homes or other features are artist conceptions. Food and beverage are served on a first-come, first-serve basis and while supplies last.

Tour our newly decorated models with breathtaking outdoor living

spaces at our Public Grand Opening. Join us at Tuscany in Waxhaw,

NC, featuring new home designs and a convenient location. Tuscany

offers a variety of amenities.

Contact Leslie Loveless for more details.1-800-787-0414 or lloveless@stanpac.com

Lunch Cateredby 521 BBQ

Live Remote107.9 The Link12pm-2pm

Saturday,February 21stnoon to 2pm

FacePainting

BalloonAnimals

H OM E S F R O M T H E $ 3 0 0 s - $ 5 0 0 s

GRANDOPENINGCELEBRATION

Driving Directions from Charlotte: Head south onNC-16 S/Providence Rd. Turn left onto New TownRd. Turn right onto Billy Howey Rd. Turn left ontoTuscany Drive. Model will be on right side.

5409 Tuscany Drive Waxhaw, NC

Wax

hawIndian

Trail R

d.

Weddington Rd.

84

16

TUSCANY

ProvidenceRd.

Billy Howey Rd.

Four Chances toWin: $50.00 VISA Gift CardPlus

standardpacifichomes.com

Tour Two DecoratedModel Homes

How Charlotte Fell In Love With Their Mattamy Homes.

SALES CENTER HOURS:Monday-Saturday 10am-6pm, Sunday 1pm-6pmMattamy Homes Limited. Builders License # 47524

FOR MORE INFORMATION ON OUR UPCOMING COMMUNITIES VISIT US AT MATTAMYHOMES.COM

Follow us:

CHARLOTTEBUILDER

OF THEYEAR

Since 2010, Mattamy Homes has won over 50 industryawards in Charlotte. Last year topped them all whenwe were selected as Builder of the Year.

Of course, the greatest measure of success is always ahappy homeowner. We design homes and communitiesthat you love to live in. We make the most of all livingspaces and garnish homes with thoughtful features thataddress how you really live.

Come see us now for an extraordinary selection ofhomes in Charlottes most desirable locales. We caneven offer Quick Delivery Homes to get you lovingwhere you live a whole lot sooner.

Plus, to show we love you back, were offering you3% back to put towards your purchase closing costs.

Contact our Online New Home Specialist,Laura OBryant, for more details:980-253-2792 or OBryant.LauraS@mattamyhomes.com

+REIMAGINE REINVENT REJUVINATEHOME SERVICES DIRECTORY

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To advertise on this page call704.358.5555

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isters Cove is a small lakeside village that has, at its heart,a simplicity and beauty. Our village encircles a quiet cove,

a finger of Lake Norman, on three sides. Its our town commonand residents share it as if it were a Savannah garden squareor an English park. The Overlook is a precious neighborhoodwith some rather nice shared features, like a soccer-field-sizeddog common, community docks and fire pit. Your backyardoverlooks a waterfront boardwalk that creates lovely places tocasually meet your neighborsfour and two-legged. Perfect forwaterfront yoga, a painters easel, or a little celebratory slowdancing. Every home in this boutique community has a waterview. Come see whatmakes TheOverlook particularly dreamy.

Phone 704.660.0292120 Twin Sisters Lane, Mooresville, North Carolina

Exit 36 off I-77

We are pledged to the letter and spirit of U.S. policy for the achievement of Equal Housing Opportunity throughout the Nation. We encourage and support an affirmative advertising andmarketing program in which there are no barriers to obtaining housing because of race, color, religion, sex, handicap, familial status, or national origin.

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712 LOCHAVEN ROAD

$415,000Private, country hideaway in beautiful Lochaven

7101 STONEHAVENDRIVE

Weddington ChaseFull brick, cul de sac lot. Large sweeping

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7618 CASPIANDRIVE

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505 COLD SPRINGS RDWAXHAWNC 28173

$549,900.99 Acre Homesite

110 REAL QUIET LANE

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8805MANOFWARDRIVE

$689,000Custom Brick Home with tons of naturallight- TEXT 149127 to 35620 for more pics

SOUTHERN LIVINGAT ITS FINEST

754 Eagle Road,Weddington, NC $1,459,000

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3500 Carmel Road - $450,000Top to bottom, high-end renovation ofpost-modern ranch in great location.

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4100 Oldfield Road - $450,000Fall makeover! Kingswood home onpretty street w/fresh paint, flooring,

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4721 Ashridge Drive - $275,000Easy living! Updated & freshened:

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4052 Arborway $960,000Fabulous outdoor living in Foxcroft.

Pool, covered deck w/fireplace. Sleek,renovated kitchen & master suite.

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211 Rose Arbor Lane - $400,000Stylish & upscale in Graygate.

Kitchen reno, w/trendy cab's, newcarpet, paint and fab outdoor package.

MLS #3062616

UNDER

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Legend: The rate and annual percentage rate (APR) are effective as of 2/11/15. 2015 Bankrate, Inc. http://www.interest.com. The APR may increase after consummation and may vary. Payments do not include amounts for taxes and insurance. The fees set forth for each advertisement above may be charged to open the plan (A) MortgageBanker, (B) Mortgage Broker, (C) Bank, (D) S & L, (E) Credit Union, (BA) indicates Licensed Mortgage Banker, NYS Banking Dept., (BR) indicates Registered Mortgage Broker, NYS Banking Dept., (loans arranged through third parties). Call for Rates means actual rates were not available at press time. All rates are quoted on aminimum FICO score of 740. Conventional loans are based on loan amounts of $165,000. Jumbo loans are based on loan amounts of $435,000. Points quoted include discount and/or origination. Lock Days: 30-60. Annual percentage rates (APRs) are based on fully indexed rates for adjustable rate mortgages (ARMs). The APR on your specificloan may differ from the sample used. Fees reflect charges relative to the APR. If your down payment is less than 20% of the homes value, you will be subject to private mortgage insurance, or PMI. FHA Mortgages include both UFMIP and MIP fees based on a loan amount of $165,000 with 5% down payment. VA Mortgagesinclude funding fees based on a loan amount of $165,000 with 5% down payment. Bankrate, Inc. does not guarantee the accuracy of the information appearing above or the availability of rates and fees in this table. All rates, fees and other information are subject to change without notice. Bankrate, Inc. does not own any financialinstitutions. Some or all of the companies appearing in this table pay a fee to appear in this table. If you are seeking a mortgage in excess of $417,000, recent legislation may enable lenders in certain locations to provide rates that are different from those shown in the table above. Sample Repayment Terms ex. 360 monthlypayments of $5.29 per $1,000 borrowed ex. 180 monthly payments of $7.56 per $1,000 borrowed. We recommend that you contact your lender directly to determine what rates may be available to you. To appear in this table, call 800-509-4636. To report any inaccuracies, call 888-509-4636. http://charlotte.interest.com

The Charlotte OberserverCheck rates daily at http://charlotte.interest.com

Institution APR Rate / Fees Product Rate Points Fees % Down APR Phone Number / Website NMLS # / License #

3.523%Rate: 3.500 15 yr fixed 2.625 0.000 $75 5% 2.696

7/1 ARM 2.750 0.000 $75 5% 2.748LOCAL IN CHARLOTTE FOR 25 YEARS! OPEN SATURDAYS! A+ BBB RATING!FREE FLOATDOWN IF RATES DROP! ZERO CLOSING COST OPTIONS!

704-529-1233NMLS# 103395

Points: 0.000

Fees: $75 http://www.bestratemtg.com

Best Rate Mortgage 30yr Fixed APR % Down: 5%

15 yr fixed 3.125 1.000 $1000 5% 3.3593/1 ARM 3.000 1.000 $1000 5% 2.9465/1 ARM 3.250 1.000 $1000 5% 3.023

877-865-2298http://www.cmcu.org

Charlotte Metro Federal Credit Union

3.532%Rate: 3.490 15 yr fixed 2.625 0.000 $0 20% 2.699

20 yr fixed 3.250 0.000 $500 20% 3.3455/1 ARM 2.500 0.000 $500 20% 2.787NO CLOSING COST OPTIONS! RATE PROTECTION

877-798-7111NMLS# 789702, 509440

Points: 0.000

Fees: $500 www.firstlandmarkonline.com

First Landmark Bank 30yr Fixed APR % Down: 20%

3.634%Rate: 3.625 15 yr fixed 2.875 0.000 $175 20% 2.890

7/1 ARM 3.000 0.000 $175 20% 2.9435/1 ARM 2.625 0.000 $175 20% 2.795Free Prequalification Letters and Rate Quotes 7 days a week

877-493-5002Points: 0.000 LIC# 1190352Fees: $175 www.mecklenburgmortgage.com

Mecklenburg Mortgage 30yr Fixed APR % Down: 20%

3.654%Rate: 3.625 20 yr fixed 3.500 0.000 $595 20% 3.541

15 yr fixed 2.875 0.000 $595 20% 2.92710 yr fixed 2.750 0.000 $595 20% 2.825Doing business HIS way for you. Low rates and costs!

877-793-0666NMLS# 74184

Points: 0.000 LIC# 132884

Fees: $595 http://www.abbafirst.com

ABBA First Mortgage, Inc. 30yr Fixed APR % Down: 20%

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ChiefOperationsOfficer

PEOPLE NEARLY 800 ASSOCIATES AND EMPLOYEES

SERVICE OVER $3.4 BILLION IN SALES VOLUME

SUCCESS SOTHEBYS INTERNATIONAL REALTY PRODUCTION LEADER, 2014

PRESENCE 56 COUNTRIES AND TERRITORIESPresident and CEOJUDY GREEN

Pre

CHARLOTTE | 704.248.0243 LAKE NORMAN | 704.727.4170