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

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Four D'S Properties

Name: Four D'S Properties
Address: 201 Livermore Drive, Lumberton, NC, 28372, US
Telephone: +19107750054

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United States
Lumberton, NC
Four D'S Properties

"Guiding You Home, the Native Way"

09/08/2026

🏡 Now Available!

A great property with plenty of potential, don’t miss the opportunity to make it yours.

Contact us! 910-674-2880 👇

09/07/2026

Happy Labor Day from Four D'S Properties!

08/31/2026

📍 FOR SALE! Your next home could be right here. Great opportunity, endless possibilities. Contact us today to learn more or schedule a viewing!

08/30/2026

Where Property Meets Possibility - meet our team at Four D's Properties! 🏡👇

07/30/2026

🏡 Why You Should Work with a Real Estate Agent

Buying or selling a home, land, or commercial property is one of the biggest financial decisions you’ll ever make. Having a knowledgeable real estate professional by your side can make all the difference. At Four D’S Properties, we’re committed to making your real estate journey as smooth, informed, and successful as possible.

Here’s why working with a real estate agent is a smart decision:

🏠 Local Market Knowledge
We understand the local market, current trends, property values, and neighborhoods. Whether you’re buying your first home, investing in land, or selling your property, we help you make informed decisions based on accurate market data.

🤝 Professional Negotiation
Negotiating a real estate transaction takes experience. We work to protect your interests, negotiate the best possible price and terms, and help you avoid costly mistakes.

📝 Guidance Through Every Step
From scheduling showings and preparing offers to inspections, financing, contracts, and closing, we guide you through every step of the process so you never have to navigate it alone.

⏰ Save Time and Reduce Stress
Real estate transactions involve countless details and deadlines. We coordinate with lenders, attorneys, inspectors, surveyors, and other professionals so you can focus on your next chapter.

💼 Access to Valuable Resources
Need financing? Looking for contractors, inspectors, surveyors, or other trusted professionals? We have a network of reliable resources to help make your transaction seamless.

🔑 Personalized Service
Every client has unique goals. Whether you’re purchasing your dream home, selling family property, investing in land, or looking for commercial opportunities, we provide personalized guidance tailored to your needs.

At Four D’S Properties, our mission is to provide honest advice, exceptional service, and professional representation every step of the way.

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

📞 910-775-0054

Broker: Hope Hatcher

Guiding You Home, the Native Way. 🏡💙

07/15/2026

💰 Tip of the Week: How Interest Rates Affect Your Mortgage Payment 🏡

When buying a home, one of the biggest factors that impacts your monthly mortgage payment is your interest rate. Even a small change in rates can make a significant difference in what you pay each month—and over the life of your loan.

Here’s how it works:

📉 Lower Interest Rates

* Lower monthly mortgage payments
* More affordable monthly budget
* You may qualify for a higher-priced home while keeping your payment manageable
* Thousands of dollars in savings over the life of your loan

📈 Higher Interest Rates

* Higher monthly mortgage payments
* Increased total interest paid over the loan term
* May reduce your buying power and the price range you can comfortably afford

Example:

On a $225,000 mortgage with a 30-year loan:

* 5.0% Interest Rate: Approximately $1,208/month
* 6.0% Interest Rate: Approximately $1,397/month
* 7.0% Interest Rate: Approximately $1,615/month

A difference of just 1% can increase your payment by hundreds of dollars every month and tens of thousands of dollars over the life of your mortgage.

What You Can Do:

✔️ Improve your credit score before applying.
✔️ Save for a larger down payment.
✔️ Get pre-approved to understand your options.
✔️ Work with experienced professionals who can help you navigate today’s market.

At Four D’S Properties, we’re here to help you understand every step of the home-buying process—from preparing your finances to finding the perfect home.

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

📞 910-775-0054

Guiding You Home, the Native Way. 🏠💙

06/24/2026

🏡 Tip of the Week: Pre-Qualification vs. Pre-Approval – What’s the Difference? 🏡

If you’re thinking about buying a home, you’ve probably heard the terms pre-qualification and pre-approval. While they sound similar, they serve different purposes in the home-buying process.

📋 Pre-Qualification

A pre-qualification is usually the first step in determining how much home you may be able to afford.

✅ Based on information you provide to a lender
✅ Quick and easy process
✅ No verification of income, assets, or credit is typically required
✅ Gives you a general idea of your price range

Best for: Buyers who are just starting their home search and want to understand their budget.

✔️ Pre-Approval

A pre-approval is a more detailed review of your finances and shows sellers you’re a serious buyer.

✅ Lender verifies income, employment, assets, and credit
✅ Provides a conditional commitment for a loan amount
✅ Helps you shop with confidence
✅ Makes your offer more attractive to sellers

Best for: Buyers who are ready to begin house hunting and make offers on homes.

🔑 Why It Matters

While pre-qualification gives you an estimate, pre-approval carries more weight because your financial information has already been reviewed by a lender. In today’s competitive market, having a pre-approval letter can give you a significant advantage when submitting an offer.

📌 Bottom Line

Pre-Qualification = Starting Point
Pre-Approval = Competitive Advantage

Ready to take the next step toward homeownership? Four D’S Properties, LLC is here to help guide you through every stage of the buying process.

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

📞 910-775-0054

👩‍💼 Broker: Hope Hatcher

Guiding You Home, the Native Way. 🏠💙

06/17/2026

🏡 What is Mortgage Pre-Approval? 🏡
One of the most important first steps in the home-buying process is obtaining a Mortgage Pre-Approval.
A mortgage pre-approval is a written statement from a lender indicating how much money they may be willing to lend you based on a review of your income, assets, debts, and credit history. It gives you a clear understanding of your home-buying budget before you start shopping for a home.
✅ Why is Mortgage Pre-Approval Important?
🔹 Know Your Budget�Pre-approval helps you determine the price range of homes you can comfortably afford, saving you time and helping you focus on the right properties.
🔹 Shows Sellers You’re Serious�When you submit an offer with a pre-approval letter, sellers know you’ve already taken steps toward securing financing, making your offer more attractive.
🔹 Faster Home Buying Process�Since much of your financial information has already been reviewed, the mortgage approval process can move more smoothly once you find your dream home.
🔹 Gain a Competitive Advantage�In today’s real estate market, homes can sell quickly. Having a pre-approval letter can help you act fast and confidently when the right opportunity arises.
🔹 Reduces Stress�Knowing your financing options ahead of time allows you to shop with confidence and avoid surprises during the buying process.
Whether you’re a first-time homebuyer or looking to purchase your next home, mortgage pre-approval is a smart first step toward homeownership.
📍 Four D’S Properties�220 Wintergreen Dr. Suite B�Lumberton, NC 28358
📞 910-775-0054
Guiding You Home, the Native Way.

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.

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

Address

201 Livermore Drive
Lumberton, NC
28372

Opening Hours

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

Telephone

+19107750054

Website

facebook.com

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