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Houses for Sale in Charlotte North Carolina
Who is Enrique Alzate?
There is no question as to why Enrique Alzate is a Top Producing Realtor in Charlotte, North Carolina area! So many factors contribute to his success. He has an extensive knowledge of the entire transaction from the beginning to the end which allows him to flawlessly guide his clients through the process of buying or selling a home with ease. Whether working with a first time home buyer, a family needing to upsize or a new investor Enrique is the perfect agent no matter what stage of life you are in!
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, Attorneys, Home Inspectors, Home Warranty Companies, Contractors… etc.
Enrique’s main source of business is referrals he receives from his previous and current clients. He earns the respect of his clients by working tirelessly on their behalf and always going the extra mile to insure that each and every client is 100% satisfied at the end of their transaction.
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 home ownership 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 the 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.,
How has my experience as a real state agent been?
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.
Facebook Reviews - Houses for sale in charlotte NC
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.
WHY AR REALTY
The easiest way to find a property
We understand that buying or selling a home is more than just a transaction: it’s a life-changing experience.
Charlotte Real Estate
What People Says
I worked with Enrique “Quique” through the purchase of my new home. He is a very professional realtor with great attention to details and well informed. He will pay close attention to your needs and wants, and is always available to answer the questions or concerns that you might have.
He is eager to work with all customers and will help you navigate the different aspects of buying a new home or putting your home on the market. While purchasing my new home, I had several issues with the builder. Quique was always available at all times to give me his professional advice and guide me through those issues.
He is an excellent realtor and is one that will fight for you, and will go above and beyond to deliver for his customer. If you hire Quique, trust me, he is not the type that you will need to chase around to get an answer, because he will be calling you to followup on different things.
Enrique was fantastic. He is very quick to respond and goes above and beyond to make finding a new place to live a positive experience. He's a great guy, who truly cares about his clients. When my wife and I saw how hard he works for his clients we knew we'd be using him again in the future and recommending him to our friends and family.
I encourage everyone to work with Enrique, you will not be disappointed. Enrique found us a dream home at a great price; it totally exceeded expectations. We will be working with him again when we buy next home.
The sale and purchase of a home can be an extremely frustrating, confusing and stressful event in anyone's life. However, Enrique Alzate's attentiveness, flexibility, expertise and concern for our family's needs made the entire process easy. Enrique spent countless hours guiding us into making the right decision(s) often sacrificing his personal time to ensure we had the right tools in the process.
For example, Enrique took into account the importance of our son's academic future by providing lists of school grades when showing us a home in a community or county. Who takes the time to do this for a family? The answer is Enrique Alzate.
Moreover, Enrique's real estate knowledge and competitive nature in the house market secured the best offer for our case. In the same way, when we had a question and/or demonstrated confusion in the process, Enrique was only a call away to soothe the concerns. I wouldn't hesitate to work with Enrique again or give him anything but the highest recommendation. Enrique Alzate is one of a kind who doesn't treat or see you as a client but family.
Enrique provides exceptional customer service with a personal touch of kindness which is priceless.
I’ve been working with Enrique for approximately 2 months now; Enrique is very knowledgably he has always been quick to answer all my concerns/questions whether via calls or text. I absolutely love it that Enrique always responds within minutes whether its 6am or 6pm weekdays AND weekends also!
I’m happy to say that Enrique worked very hard with me and my family to help us find our dream home. I highly recommend Enrique to all my family and friends.
WHAT DOCUMENTS DO I NEED TO BUY?
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.
WHAT ARE THE FIRST-TIME HOMEBUYER BENEFITS?
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
CAN I BUY A SECOND HOUSE IF I HAVE ONE THAT I AM PAYING FOR?
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
WHAT DO I NEED TO BUY A PROPERTY TO RENT IT?
:You need to have 20% of the value of the house plus closing costs
IF I AM SELF-EMPLOYED (form 1099) AND I DID NOT REPORT MUCH INCOME, CAN I BUY?
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.
WHAT PROGRAMS ARE AVAILABLE FOR SELF-EMPLOYED WHO DO NOT REPORT A LOT OF INCOME IN THEIR TAXES?
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.
IF I DON’T EARN ENOUGH, CAN I REQUEST THE LOAN FROM SOMEONE ELSE?
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
IF I BUY WITH SOMEONE ELSE, CAN THAT PERSON BUY ON THEIR OWN? DOES IT AFFECT THEM?
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.
WHAT IS THE CREDIT SCORE REQUIRED FOR A HOME LOAN?
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.
DOES IT AFFECT THAT I AM PAYING FOR A CAR ON CREDIT?
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.
Charlotte Realtors Blog
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