Laura Tate, Realtor

09/06/2026

As a REALTOR®, I want buyers to know that Fannie Mae and Freddie Mac now allow certain approved lenders to use VantageScore 4.0 as an alternative to Classic FICO. This may create opportunities for some buyers, particularly those with limited credit histories or positive rent payment history.

However, FICO has not disappeared, every lender is not using VantageScore 4.0, and a 500 credit score does not automatically qualify someone for a mortgage. Income, debt, assets, payment history, loan program requirements and lender guidelines still matter.

I am not a mortgage loan officer, so I cannot preapprove buyers or determine loan eligibility. I can connect you with a qualified mortgage professional who can review your complete financial picture and explain whether this change may benefit you.

Opportunity is exciting, but accurate information matters.

Laura Tate, REALTOR®
NC Broker | SC Real Estate Agent
Shades Realty™
Buying With Purpose. Selling With Strategy.™

09/02/2026

Who has the best coffee in Charlotte?

08/11/2026

NEW CONSTRUCTION STILL NEEDS A FULL INSPECTION! 🚩

Before closing, your inspector should be allowed to examine the entire property, including the attic and electrical panel. Broken or improperly repaired roof trusses, missing insulation, unsafe wiring, leaks, and other construction defects may be hiding where you cannot see them.

“Inspect it after closing” is too late. Once you own it, you may also own the problem. Get a full independent inspection BEFORE you sign at the closing table.

08/04/2026

Homeownership comes with more than a mortgage.

For many homeowners, it also includes HOA dues, community rules, and shared financial responsibilities.

A recent report highlights a growing trend. Some homeowners associations are taking a stricter approach to collecting unpaid dues, and in certain states, HOA liens may even take priority over a primary mortgage under specific laws. That means falling behind on HOA assessments can have serious consequences, even if your mortgage payments are current.

This isn't about creating fear. It's about understanding every part of homeownership before you buy.

If you're considering a home in an HOA community, here are a few questions worth asking:

• How much are the monthly or annual dues?
• How often have dues increased?
• Are there any upcoming special assessments?
• How well funded are the reserve accounts?
• What are the association's collection policies?

The more informed you are before closing, the fewer surprises you'll have after move in.

Have you noticed HOA dues increasing or enforcement becoming stricter in your area?

There has been a sharp rise in HOA foreclosures on properties from suburban condos to luxury homes.

07/15/2026

One of the biggest misconceptions in real estate is that buying is always the better choice.

The truth is, the best decision is the one that fits
YOUR goals, YOUR finances, and YOUR season of life.

Please, don't EVER let anyone make you feel like renting is a bad choice. Everyone's journey is different. Sometimes renting is the smartest financial and lifestyle decision YOU can make.
There is no one-size-fits-all answer, BUT, there is a right answer for YOU 😊

💜🏡

06/25/2026

7/1/26 - Mecklenburg County Sales Tax Increase from 7.25% to 8.25%.

This affects most taxable purchases, including:

* Clothing
* Electronics
* Furniture
* Appliances
* Home improvement materials
* Restaurant meals
* Entertainment
* Most retail purchases

The increase does NOT apply to prescription medications, and certain items that have special tax rates.

It's a small change per purchase, but it can add up, especially if you're furnishing or renovating a home.

06/19/2026

Juneteenth reminds us of the strength, resilience, and determination of those who came before us, and of our shared responsibility to continue building a more just future.
Today, we honor the legacy of our ancestors not only through reflection, but through action. Let us continue to stand for freedom, equality, opportunity, and justice for all. The work is not finished, and every generation has a role to play.

Happy Juneteenth Fam.
XOXO, Laura ❤️🖤💚

06/07/2026

This year, I’m switching it up.
When you buy or sell with me, YOU help choose which nonprofit 10% of my commissions go to.
Yes you read that right, I don’t just close deals. I give back.
Your move should make an impact beyond the closing table..
It’s a mission.
We’re not just changing addresses. We’re changing lives.
📩 Ready to make your next move matter? Let’s do it together.

05/29/2026

04/28/2026

A beautiful home like this won't stay on the market for very long. 4 bed and 3 bath in great neighborhood! Call, text or direct message me for details.

This Wessex Square house sits on ONE ACRE of land! It is tucked away in this neighborhood and is located at the end of a cul-de-sac. The covered porch is a great way to view this beautiful backyard with it's fenced in garden. As far as the house itself, it boasts 5 bedrooms, Thermal Treated European...