Your best source for residential houses for sale in Charlotte NC
Enrique Alzate
Realtor Broker
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Enrique Alzate is a top-performing real estate agent in the Charlotte, North Carolina area. Enrique has made many connections during his time in the industry and has been able to surround himself with wonderful partners who share his same passion for this business. He has an excellent circle of mortgage brokers, lenders, lawyers, home inspectors, home warranty companies, contractors, etc.
Enrique often gives back to his community by taking time to educate potential homebuyers on the home buying or selling process. He has spots on two local Latino radio shows where he gives advice on things like building credit, current market conditions, and new loan programs to help consumers make their dream of homeownership a reality.
In his free time, you will find Enrique cheering on his son at his swim meets, visiting his daughter at college, or spending one-on-one time with his wife, Juliette. He is blessed to have a wonderful family who has supported him every step of the way in his real estate career.
In 2020, Enrique was featured on the cover of Charlotte Real Producers magazine. In the article, he was quoted as saying: ‘I roll out the Red Carpet for every client. There are real people and families behind every contract. There are genuine feelings in every transaction. I care about them all.’ This is truly what sets Enrique apart from the others, his genuine desire to help each and every client make their dreams a reality.
We’re thrilled to be among the top real estate agents out of 17,000 in our area! Thanks, Triple Magazine, for the feature – read all about it through the link!
My people-first approach to real estate makes all the difference. Learn about my passion for the profession through these testimonials that speak to the individualized, attentive, effective strategies that have brought Alzate Realty it’s success.
Here you will find some of the comments from clients we have supported over the last few months. But don’t be alone with this information and the happiness of others, call me now, I am sure that in the near future you will leave your comment of happiness for the purchase of your new home.
For employees, a form W-2 of the last two years and the last four pay stubs; and for self-employed (form 1099), taxes of the last two years and bank statements for the last two months.
The down payment is very low starting at 3% of the value of the house, and in some cases the bank can finance 100% and only needs the closing costs of approximately $6,000. There are also government subsidies for first-time homebuyers, depending on several factors
Yes, you can. If the other house will be the primary residence and you rent the current one, the bank only asks for 5% of down payment plus closing costs
:You need to have 20% of the value of the house plus closing costs
The bank always looks at the net income (the income that remains after deductions) of the last two years, and if it’s low it will not be possible, but there are special programs for these cases.
There is a program in which the bank does not look at the taxes, it only looks at the bank deposits of the last 12 months, it’s very easy to qualify, but the down payment is no longer small, it will be 20% of the value of the house plus closing costs and the interest rate is much higher, because the bank does not look at the taxes.
Yes, you can request it from a family member (parents, siblings, children, etc.), from friends or a permanent partner (you don’t have to be married); the two of you would be the owners
It doesn’t affect them, they can buy, but after a year. The important thing is that the payments are made by the main person to prove that they were only a help for the approval.
The higher the better because it directly affects the interest rate. The higher the score, the lower the interest rate. There are two types of loans. For Federal Housing Administration (FHA) loans, the normal is from 640, but there are banks that make exceptions and start from 580, and for conventional loans from 700.
It does affect you and a lot because it takes away your purchasing power. However, if the income is high, it would not affect much, but if it’s low, that payment would most likely prevent you from being approved to buy the house. Therefore, the advice is to buy the house first and then the car, or before buying the house, refinance the car in order to lower the monthly payment or transfer it to a family member so that it does not appear on the credit.
February was a great month for Alzate Realty! It was a great honor to be recognized by Charlotte Real Producers magazine as February’s “Top Producer.”
We recently shared that over the course of the last 12 months, home prices have appreciated by 7.0%. Over the same amount of time, interest
Just like with any product or service, the law of supply and demand impacts home prices. Any time that there is less supply than the
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