Four D'S Properties

Four D'S Properties "Guiding You Home, the Native Way"

UNDERSTANDING YOUR HOME LOAN OPTIONS 🏡One of the most important steps in the homebuying process is choosing the right lo...
06/03/2026

UNDERSTANDING YOUR HOME LOAN OPTIONS 🏡

One of the most important steps in the homebuying process is choosing the right loan program. Each loan type offers unique benefits depending on your financial situation, credit history, and eligibility.

🔹 FHA LOANFHA loans are backed by the Federal Housing Administration and are a great option for first-time homebuyers.✅ Down payments as low as 3.5%✅ More flexible credit requirements✅ Ideal for buyers with limited savings✅ Helps make homeownership more accessible

🔹 VA LOANVA loans are available to eligible veterans, active-duty military members, and certain surviving spouses.✅ No down payment required✅ No private mortgage insurance (PMI)✅ Competitive interest rates✅ Designed to honor those who have served our country

🔹 CONVENTIONAL LOANConventional loans are not backed by a government agency and are often preferred by buyers with strong credit.✅ Competitive loan terms✅ Lower overall borrowing costs for qualified buyers✅ No PMI with 20% down payment✅ Great option for buyers with established credit and savings

🏠 Not sure which loan is right for you? Every buyer's situation is different. Understanding your options is the first step toward finding the right home and the right financing solution.

At Four D'S Properties, we're here to help guide you through every step of the homebuying process—from preparing your finances to finding your dream home.

📍 220 Wintergreen Dr. Suite BLumberton, NC 28358

📞 910-775-0054📞 910-674-2880

✨ Guiding You Home, the Native Way.

🏡 TIP OF THE WEEK: WHAT IS A MORTGAGE? 🏡A mortgage is a loan used to purchase or maintain a home, land, or other real es...
05/27/2026

🏡 TIP OF THE WEEK: WHAT IS A MORTGAGE? 🏡

A mortgage is a loan used to purchase or maintain a home, land, or other real estate property. Instead of paying the full price upfront, a lender helps finance the purchase, and the buyer agrees to repay the loan over time through monthly payments.

🔑 How Does a Mortgage Work?
When you buy a home using a mortgage:
• The lender provides the money to purchase the property
• You make monthly payments that typically include:
✔️ Principal (loan amount)
✔️ Interest (cost of borrowing money)
✔️ Taxes
✔️ Insurance
• The home acts as collateral until the loan is fully paid off

💡 Why Are Mortgages Important?
✔️ Makes homeownership possible without paying full price upfront
✔️ Helps build equity and long-term wealth
✔️ Creates financial stability through property ownership
✔️ Offers different loan options to fit your budget and goals

📌 Common Mortgage Terms to Know:
🏠 Down Payment – Money paid upfront toward the home purchase
📈 Interest Rate – Percentage charged for borrowing money
📅 Loan Term – Length of time to repay the loan (15, 20, or 30 years)
💵 Monthly Payment – Regular payment made to the lender each month

✨ Whether you’re a first-time homebuyer or looking to invest, understanding mortgages is the first step toward owning your dream home!

📍 Four D’S Properties
👩‍💼 Hope Hatcher
📞 910-775-0054 | 910-674-2880
📍 220 Wintergreen Dr. St B
Lumberton, NC 28358

🏠 Serving North Carolina and surrounding areas

Budgeting for Homeownership 🏡💰Buying a home is exciting — but preparing your budget is just as important as finding the ...
05/20/2026

Budgeting for Homeownership 🏡💰

Buying a home is exciting — but preparing your budget is just as important as finding the perfect property. Homeownership comes with more than just a monthly mortgage payment. Planning ahead can help you avoid financial stress and protect your investment long-term.

Before purchasing a home, make sure you budget for:

✔️ Mortgage Payments
✔️ Property Taxes
✔️ Homeowners Insurance
✔️ Utility Costs
✔️ Maintenance & Repairs
✔️ HOA Fees (if applicable)
✔️ Emergency Savings for unexpected expenses

A strong budget helps you enjoy homeownership with confidence and peace of mind. Being financially prepared today can make your future much more secure tomorrow.

✨ Tip of the Week:
Don’t just budget for buying the home — budget for keeping the home comfortable, protected, and maintained.

📍 Four D’S Properties and Realty Company LLC
220 Wintergreen Dr. Suite B
Lumberton, NC 28358

📞 910-775-0054 | 910-674-2880

🏡 OPEN HOUSE THIS WEEKEND 🏡Join Four D’S Properties for an Open House at:📍 1438 & 1446 W. Parkton Tobermory Rd.Parkton, ...
05/15/2026

🏡 OPEN HOUSE THIS WEEKEND 🏡

Join Four D’S Properties for an Open House at:

📍 1438 & 1446 W. Parkton Tobermory Rd.
Parkton, NC 28371

🗓 Thursday, May 15 — 11:00 AM until
🗓 Friday, May 16 — 10:00 AM – 2:00 PM

Come tour these beautiful properties and explore the possibilities of peaceful country living with convenient access to nearby cities, shopping, and I-95. Whether you’re looking for your next home, investment opportunity, or simply want to take a look — we’d love to see you there!

📞 Contact Four D’S Properties
910-775-0054
910-674-2880

📍 220 Wintergreen Dr. Suite B
Lumberton, NC 28358

✨ Dedicated to Helping You Find Your Place to Call Home ✨

🏡💰 Why Having an Emergency Fund Before Buying Matters 💰🏡Buying a home is exciting—but being financially prepared is just...
05/14/2026

🏡💰 Why Having an Emergency Fund Before Buying Matters 💰🏡

Buying a home is exciting—but being financially prepared is just as important as finding the perfect property. Before purchasing a home, building an emergency fund can help protect your investment and give you peace of mind for the future.

✅ Unexpected Expenses Happen
Homeownership comes with surprise costs like repairs, maintenance, appliance replacements, or medical emergencies. An emergency fund helps you handle these situations without financial stress.

✅ Protects Your New Investment
Owning a home means taking on new responsibilities. Having savings set aside keeps small problems from becoming major financial setbacks.

✅ Helps You Avoid Debt
Without emergency savings, unexpected expenses often lead to credit card debt or loans. A financial cushion helps keep your finances stable and on track.

✅ Provides Peace of Mind
Knowing you have savings available allows you to enjoy your new home with confidence instead of worrying about “what if” situations.

✅ Makes You a Stronger Buyer
Lenders and sellers appreciate financially prepared buyers. Building an emergency fund shows responsibility and readiness for homeownership.

💡 A good goal is saving 3–6 months of essential living expenses before buying a home.

A strong financial foundation starts before you buy. 🏠✨

📍 Four D’S Properties
220 Wintergreen Dr. Suite B
Lumberton, NC 28358
📞 910-775-0054

🏡 Why Understanding Closing Costs Matters 🏡Buying a home is an exciting milestone, but many buyers focus only on the dow...
05/06/2026

🏡 Why Understanding Closing Costs Matters 🏡

Buying a home is an exciting milestone, but many buyers focus only on the down payment and monthly mortgage payment — forgetting about closing costs. Understanding these costs ahead of time can help you avoid surprises and make the home buying process much smoother!

✨ What Are Closing Costs?
Closing costs are the fees and expenses paid when finalizing the purchase of a home. These costs typically range from 2%–5% of the home’s purchase price and may include:

✔️ Loan Origination Fees
✔️ Appraisal Fees
✔️ Title Insurance
✔️ Attorney Fees
✔️ Escrow Fees
✔️ Home Inspection Costs
✔️ Recording & Filing Fees
✔️ Property Taxes & Insurance Prepaids

💡 Why It’s Important to Plan Ahead

🔹 Avoid Last-Minute Stress
Knowing your estimated closing costs upfront helps you budget properly and prevents unexpected expenses at closing.

🔹 Be a Stronger Buyer
Prepared buyers stand out! Having funds ready for closing costs shows sellers and lenders you are financially prepared.

🔹 Keep the Process Moving Smoothly
Unexpected financial delays can slow down or even jeopardize your closing. Planning ahead helps everything stay on track.

🔹 Make Smarter Financial Decisions
Understanding all costs associated with buying a home allows you to make informed decisions and protect your long-term financial goals.

🏠 At Four D’S Property, we’re here to guide you through every step of the home buying process and help make your experience as stress-free as possible!

📍 220 Wintergreen Dr. Suite B
Lumberton, NC 28358
📞 910-775-0054

🏡 Tip of the Week: Why Saving for a Down Payment MattersBuying a home starts long before closing day — it starts with pr...
04/29/2026

🏡 Tip of the Week: Why Saving for a Down Payment Matters

Buying a home starts long before closing day — it starts with preparation. One of the most important steps in the homebuying process is saving for a down payment. Here’s why it matters:

✅ Lower Monthly Mortgage Payments
A larger down payment can reduce the amount you borrow, helping keep your monthly payment more affordable.

✅ Build Instant Equity
Your down payment gives you ownership in your home from day one — helping you start building wealth immediately.

✅ May Help You Avoid Private Mortgage Insurance (PMI)
With a larger down payment (often 20%), you may be able to avoid extra monthly PMI costs.

✅ Shows Financial Readiness
Saving consistently demonstrates financial discipline and can strengthen your mortgage application.

✅ More Loan Options
A strong down payment may open doors to better financing options and potentially lower interest rates.

✅ Helps Cover Upfront Costs
Beyond the down payment, buyers should prepare for closing costs, inspections, and moving expenses.

💡 Even small steps add up. Start with a savings goal, create a budget, and set aside funds consistently.

At Four D’S Properties and Realty Company LLC, we’re here to help guide you through every step of the homebuying process—from preparing financially to finding the right home.

📍220 Wintergreen Dr. Suite B, Lumberton, NC 28358
📞 910-775-0054 | 910-674-2880

Guiding You Home, the Native Way.

Opening too many new credit accounts in a short period of time can hurt your chances of getting approved for a mortgage....
04/22/2026

Opening too many new credit accounts in a short period of time can hurt your chances of getting approved for a mortgage. While it may seem like getting a new credit card, financing furniture, or opening store accounts is harmless, every new account can lower your credit score and increase your debt-to-income ratio.

When lenders review your application, they want to see stability. Too many new accounts may make it look like you are relying heavily on credit or taking on more debt than you can comfortably manage.

Here’s why opening multiple accounts can be risky:

• Multiple credit inquiries can lower your score
• New accounts reduce the average age of your credit history
• More available credit can lead to higher spending
• Higher monthly payments can affect how much house you can afford
• Lenders may see too many new accounts as a red flag

If you are planning to buy a home, try to avoid opening new credit cards, financing furniture, buying a car, or taking out personal loans before closing on your home.

The best thing you can do is keep your current accounts in good standing, make payments on time, and maintain low balances.

Your credit score plays a big role in your home buying journey — protect it wisely.

✨ Meet the Team Behind Four D’S Properties and Realty Company LLC ✨At Four D’S Properties, we believe that exceptional s...
04/16/2026

✨ Meet the Team Behind Four D’S Properties and Realty Company LLC ✨

At Four D’S Properties, we believe that exceptional service begins with a dedicated team. We are proud to serve our community with professionalism, experience, and a commitment to helping our clients navigate every step of their real estate journey.

Meet the team:

Hope Hatcher – Broker
Sherry Hunt – Team Member
Alanna Campbell – Team Member

Whether you are searching for your next home, exploring investment opportunities, leasing a property, or in need of trusted property management services, our team is here to provide guidance, support, and results.

At Four D’S Properties, we are honored to serve our clients with integrity, care, and the personal attention you deserve.

📍 220 Wintergreen Dr. Suite B, Lumberton, NC 28358
📞 910-674-2880
📞 910-775-0054

Guiding You Home, the Native Way

LAND FOR SALE – W. Parkton Tobermory Road, Parkton, NC 28371. Price $65,000Looking for land to build your dream home? Th...
04/16/2026

LAND FOR SALE – W. Parkton Tobermory Road, Parkton, NC 28371. Price $65,000

Looking for land to build your dream home? This beautiful property features 2 lots combined for a larger tract totaling 5.88 acres of cleared land in Deer View Subdivision.

Property highlights include:
• Cleared land
• Perc test on file
• Survey available
• Located in Deer View Subdivision
• See subdivision restrictions
• Parcel #130902002602

This is a great opportunity for anyone looking for extra space and a ready-to-build property in Parkton.

For more information, contact Hope Hatcher with Four D’S Properties and Realty Company LLC at 910-674-2880 or email at [email protected]

Address

220 Wintergreen Drive Suite B
Lumberton, NC
28358

Opening Hours

Monday 8:30am - 5pm
Tuesday 8:30am - 5pm
Wednesday 8:30am - 5pm
Thursday 8:30am - 5pm
Friday 8:30am - 5pm

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