july 1, 2009 issue (housing guide)

housing a guide for duke university and medical center

summer 2009

2 | WEDNESDAY, JULY 1, 2009 Housing Guide THE CHRONICLE

THE CHRONICLE Housing Guide WEDNESDAY, JULY 1, 2009 | 3

table of contents55 2121

99 26261212 2828

1717 32321515 2929

66

Durham Performing Arts Center

Mortgage Q&ATips for Hiring a Contractor

Who to call for utilities

Smart Home / Smart Living

Apartment Guide

Short trips around Durham

Home Ownership

Hayti Heritage Center ‘Green’ Flooring

Durham Public/Private Schools 2424

Renter’s Insurance is a ‘must have’

NATIONAL Dream Home WINNER

T his is a statement we can make with great pride! With the support and recognition from our peers, our showcase home in the Estates of Chapel Ridge was recently awarded 2009 National Dream Home winner, Gold Best of the Best in the Home Builders Association 2008 Parade of Homes of three counties.

To schedule your private showing of this masterpiece located at: 154 Berry Patch Dr.

Estate of Chapel Ridge Call Kim Smith 919-669-3835 Coldwell Banker Advantage

www.NCHomesbyKim.com To see how we can build your home to be the best of the best! Please visit

www.ChoateCustomHomes.com . The true custom home builder in Chapel Ridge, Baldwin Peak and your private home site.

The Webb House , your turn of the century getaway! The Webb House

Recipient of the Hillsborough Preservation Award in 2008 for superior restoration features antique heart of pine and hand hewn paneling. Overlook the picturesque, historic English gardens from the sunny kitchen with maple cabinets, granite and butcher block countertops, 5 burner gas range and custom island. 3 bedrooms and 3.5 baths include a master adorned with a cast iron tub, granite counters, cherry cabinets and a separate ceramic shower. All new wiring, plumbing, roofing and gutters. $848,737

A MUST SEE PIECE OF HISTORY! Circa 1800.

117 E. Queen Street HILLSBOROUGH HISTORIC DISTRICT

www.117EQueenStreet .com

Caroline Couture Coldwell Banker HPW Office: 919. 732. 7351

Cell: 919. 698. 2123

Fax: 919. 313. 9878

5102 Durham Chapel Hill Blvd. Durham, NC 27707

Broker, Realtor ® , ABR

Direct: 919.616.2010 [email protected]

DJ Maniace

w w w . p s c p . c o m

Check out my listing in Trinity Park @ 905 URBAN AVE.

Serving Trinity Park, Duke Forest & Durham


Residential professionally managed by Drucker and Falk.

Classic beauty at a secluded address at the University Tower in Durham. Come home to the

Parc and enjoy an unparalleled community where every detail has been considered and

designed for your comfort.

Superb Location with Service You Deserve Superb Location with Service You Deserve

NOW LEASING

20 Morcroft Lane, Durham • 919.419.9895 • www.bes.com/files/parc

at University Tower The Parc

• 1, 2 & 3 bedroom apts • wash./dry. connect. • large balconies • 9-foot ceilings • crown molding • gated entry • fitness & business centers • pool w/ Wi-Fi

• lighted tennis court • car care center • garages with remote access • resident lounge area • guest suites available • employment protection

plan available

at University Tower The Parc


LIFEMADE SIMPLE.

COURTYARD SHOPPING AND DINING AT YOUR DOORSTEPOur Amenities Include:

One and two bedroom apartments Two bedroom penthouses Dens in select unitsDramatic ten and eleven foot ceilingsGas fi replacesLarge walk in closetsWasher and dryer optionalSecurity systemsElevatorsGaragesDirect access to the American Tobacco Trail3 to 12 month leases

Corporate Housing Packages Include:FurnitureHousewaresLinensUtilities including telephone, cable and

high speed internetMaid Service

Contact Us Today!(919) 484-1053

[email protected]

Located 2 miles North of The Streets of Southpoint, Convenient to I-40, RTP & Chapel Hill

5836 Fayetteville Road, Suite 201, Durham, NC 27713

Will Johnson Custom Building and Renovations

Smart Design | Lifetime Homes

9 1 9 . 9 3 3 . 2 1 0 0 www.will johnson building.com

Smart Home promotes smart, green livingThe Home Depot Smart Home,

located off Campus Drive behind the Freeman Center for Jewish Life, was but a concept less than three years ago.

The home currently houses 10 grad-uate and undergraduate students. Con-ceptualized in 2003 by Mark Younger, Pratt ‘03, the project received the sup-port of the Pratt School of Engineering and then-Pratt Dean Kristina Johnson.

After securing funding from doz-ens of corporate and academic spon-sors, the home broke ground in November 2006, and construction finished two years later.

The United States Green Building Council, which ranks a building’s de-sign by the Leadership in Energy and Environmental Design rating, has rec-ognized the Smart Home’s environ-mental friendliness. The home is certi-fied as a LEED-Platinum building—the highest rank given by the USGBC.

Environmental-friendly appliances come standardized in the house, com-plete with steam laundry machines and a central-controlled, auto-dim-ming fluorescent lighting system.

“The lighting system is special be-cause any light switch in the house can be programmed to control any other light in the house,” said for-

mer Smart Home director Tom Rose, Pratt ‘05. “And we have dimmable compact fluorescent light bulbs, which are relatively new.”

The Smart Home also features a rainwater collection system and a large set of solar panels, which is dis-played prominently on the front of the house. The panels are used to heat water and help power the Home.

The Home Deport Smart Home houses an active group of student sci-entists and engineers, each with their projects to help better the Home. Cur-rently, the Smart Home also houses two Canadian exchange students.

In order to promote innovation, the Smart Home runs the annual Smart Living Competition, in which groups of student work to develop innovative design projects that can be tested and implemented in the home.

Smart Home President Kelvin Gu, a junior, led the Smart Billiards proj-ect last academic year. The project was aimed at helping casual pool players refine their shots by predicting and visualizing the path of their shots.

Other projects at the Smart Home include an information telescope and a community garden located at the back of the Home.

The Home Depot Smart Home currently houses 10 graduate and undergraduate students.


Durham is not just home to Duke, its students, faculty and staff.

Durham is a small city, and although Duke might be located in a suburban setting, it shares its home with scholars of all ages.

Coming from high school, you might have fond memories of your last four years of school. Durham boasts about 10,659 students enrolled in Durham Public Schools high schools, the DPS Web site re-ports. Its six major high schools are Durham School of the Arts, Hillside, Charles E. Jordan, Northern, Riverside and Southern High Schools.

Jordan and Riverside High Schools are Durham’s largest and most racially diverse public high schools, according to DPS racial breakdowns. The Jordan Falcons and Riverside Pirates are district rivals in several sports including soccer and baseball.

The Hillside Hornets and Southern Spartans ex-cel in football and basketball, but they have made local news in recent years for reasons other than sports. For the 2005-2006 through 2007-2008 aca-demic years, Hillside and Southern High Schools have been rated low perfomring or below expected growth by state testing standards.

In an attempt to address Hillside and Southern High Schools’ poor perfomance, the DPS has added several specialized programs to the schools. Hillside is home to the International Bauccelaureate program in Durham as well as the Hillside New Tech High School, which targets students seeking careers in electronic or computer engineering. Southern High

School boasts the Southern School of Engineering which focuses on preparing students for the 21st century work place, its Web sites reports.

Northern High School was also ranked low-per-forming in the 2007-2008 academic year, but it has met expected growth previous years and the North-ern Knights participate in a variety of ahtletic ac-tivities as well as academic and career and technical education courses.

Durham School of the Arts is a public second-ary school that students apply for entry to through a lottery system. The DSA Bulldogs accept students in grades six through 12, and offers a variety of per-forming arts-focused electives including dance, dra-ma, music and traditional arts courses.

Durham is also host to the North Carolina School of Science and Mathematics, a public high school students can apply to attend as 10th graders.The first public residential high school in the United States,

NCSSM accepts students from all 13 North Caro-lina congressional districts equally and allows them to pursue specialized courses in math and science.

Although NCSSM does not compete in varsity level athletics with the other major Durham public high schools, it does offer students a variety of clubs, activities and athletics to participate in during their two years at the school. NCSSM is a University of North Carolina constituent institution.

Durham is also home to several private institutions that offer education through the 12th grade. Of the 11 private schools in Durham, nine have religious ties. The largest private school in Durham is also one of its only secular ones. Founded in 1933, Durham Acad-emy enrolls approximately 1,134 students for its kin-dergarten through 12th grade and is recognized for its students’ academic achievements. Annual tuition for a high school student at Durham Academy is $18,700, and its Web site states that more than 10 percent of its students receive some form of financial aid.

Beyond Duke: Durham public schools

The North Carolina School of Science and Mathematics, located off East Campus, is the fi rst public residential high school in the U.S.

Martin Court

32 Executive 1 Bedroom

Apartments

Amenities: • Security System • Washer & Dryer • Range & Refrigerator • Dishwasher & Disposal • Paddle Fans • Energy Efficient

Rent: $560 • Walk to Duke 943 Morreene Road • Call H.M. Roll Properties at (919) 383-2451 or (336) 504-0445

[email protected]

Welcome to Durham, Students and Staff! Welcome to Durham, Students and Staff!

Diana Conradt- Mullen

919.597.1320 [email protected]

Renaissance Center at Southpoint 7011 Fayetteville Road, Suite 200 • Durham, NC 27713

CALL US with your housing needs. We can help!

2903 SHAFTSBURY ST. $109,900

Melissa Butler

919.877.8919 [email protected]

3 Bedroom, 1.5 Bath with wooded lot.

BOB SCHMITZ PROPERTIES 1222 Broad Street, Apt. A, Durham NC 27705

www.bobschmitzproperties.com 919-416-0393

BIG HOUSES FOR ’09-‘10

BIG HOUSES FOR ’10-‘11

1 TO 7 BEDROOMS

ENTERTAIN YOUR FRIENDS!

SPACIOUS FLOORPLANS

ALL APPLIANCES INC. W/D

DON’T LIVE IN A BOX…

LIVE IN AN APARTMENT HOME WITH CHARACTER !

WALK TO DUKE’S EAST & WEST

PETS ARE WELCOME

HARDWOOD FLOORS, YARDS, SECURITY SYSTEMS, PORCHES

FULL-TIME MAINTENANCE


THE ORLEANSMORTGAGE PLUSPROGRAM


When you bring contractors, carpenters, plumbers and assorted workmen into your home, you are open-ing up your whole life to them. Not only do you need to confirm that they are competent professionals, you must assess their integrity, as well. You want to know that you can trust them to do the job right, as well as respect your home and its contents.

You can avoid most serious problems with a little planning and foresight. You want both capable and hon-est workers in your home, and can increase your chances of a successful and stress-free renovation by using this list of questions to ask contractors before hiring them.

INSURANCE AND BONDING Make sure your contractor is fully insured before you

let him start your job. The company and/or the employees should be bonded, and you should ask for the particulars of the insurance coverage early in your negotiations.

WARRANTIES You will want to know what kind of home building

warranties are provided, on both the work itself and on the materials used in the project. You should keep good records of any warranted work or materials so that you are prepared for any problems down the line.

REFERENCES Checking contractors’ references is crucial. Not only

do you want to hear testimonials about their work, you will want to discover if they are they part of any home-builder or tradesman associations. Checking references means speaking with other homeowners for whom the contractors have worked, as well as consulting the state licensing board and the Better Business Bureau about any complaints.

PORTFOLIO Take a good look at the contractors’ portfolios and

make sure that you are satisfied with the level of their previous work.

JOB SUPERVISOR Make sure that you know who the onsite supervisor

will be for your renovation. What is the person’s experi-ence? Will they speak and make decisions for the con-tractor in his absence?

PROJECT TIMEFRAMEA timetable is crucial for any big job, of any kind, so

you need to ask specific questions about when the job will start, how long each phase will take and so forth. This information will be part of your project plan, so you need to get it early and get it “set in stone.”

BUDGET You will want to calculate the cost for your home im-

provement as accurately as possible, naturally. Make sure your contractor has a plan, too, and breaks out the costs of materials and labor. Find out right away what type of payment plan is expected, as well as what sort of deposit is required. Needless to say, keep all receipts.

SUBCONTRACTORS If the contractor uses subcontractors, as most will for

electrical and plumbing work (at the least), make sure to get the same kind of information about them as you did on the contractor.

APPLIANCES AND OTHER HARDWARE It is your house and your money, so you do not need

to cede the authority for buying materials and appliances entirely to the contractor. It is perfectly understandable that you would want to get the best prices for the com-ponents of the project. The way to avoid problems is to spell everything out in advance. If the contractor is too insistent on using particular suppliers or distributors, it

may be because they have some kind of “arrangement” with them.

PERMITSYou need to decide who will be responsible for getting

the proper building permits and dealing with inspectors. The contractor’s expertise here is essential, although you may wish to be in the loop here.

Like any other sizable endeavor, a home renovation can be complicated and tricky. The best overall rule for managing this kind of project is clear, continuous com-munication. Nothing should be decided or done in the

dark, and everything should be undertaken in accordance with the plan, the budget and the timetable.

It is mostly a matter of common sense and self-disci-pline. Make the plan and stick to it as closely as possible, while still allowing for some mid-stream changes if nec-essary. Stay positive, keep your wits about you and press on, deliberately and with a sense of purpose. Consider your home renovation another adventure in life, and make your mind up to enjoy it!

Mark Bordo Article Source: http://www.upublish.info

Ask the right questions before hiring a contractor


C ROASDAILE C ROASDAILE C ROASDAILE A PARTMENTS A PARTMENTS A PARTMENTS

1829 Front St. Durham, NC 27705 (919) 383-3437

Located just 5 minutes from Duke’s Central Campus, Medical Center and VA Hospital, Croasdaile Apartments offer a quiet retreat from busy lifestyles. Meticulously maintained apartments and surrounding grounds provide an outstanding value close to everything you need. This is the perfect location for Duke graduate students and Duke employees!

GREAT MOVE IN SPECIALS! * Rent discount for Duke

Graduate Students and Employees

• 1, 2 and 3 bedroom apartments, some floorplans with dens

• Standard cable (70 channels), water, sewer included in rent

• Laundry centers in each building • All electric appliances included; frost-

free refrigerator/freezer, stove with self- cleaning oven, dishwasher and food disposal

• Efficient heating and cooling for climate controlled year round comfort

• 2 swimming pools and picnic area • Clubroom features computer with

high speed internet access and Fitness center

• Extra large patio or balcony • Mini-blinds included on all windows • Golf course views • On city bus line • One pet under 40 lbs. full-grown welcomed

C ROASDAILE C ROSSINGS C ROASDAILE C ROSSINGS C ROASDAILE C ROSSINGS Croasdaile Crossings Apartments are in the perfect location for Duke graduate students and associates! Just a 5 minute drive to campus and the Medical Center, Croasdaile Crossings apartment community is located at the intersection of Carver and Front Streets surrounded by Durham’s most prestigious residential setting.

Croasdaile Crossings offers one bedroom garden apartments and two bedroom, 2 1 ⁄ 2 bath townhome apartments with the following amenities:

• GREAT FLOOR PLAN FOR ROOMMATES!!! • Full size washer and dryer and microwave, dishwasher, and

garbage disposal included in the rent • Standard Cable TV (over 70 channels) included in rent • Frost-free refrigerator/freezer with ice maker • Self-cleaning oven • French doors with mini blinds • Spacious closets throughout • Townhomes have storage rooms • Fitness Center • Wireless Internet available in community room and pool deck

area • 24 Hour emergency maintenance • One pet under 40 lbs. full grown welcomed

2106 Front St. Durham, NC 27705 (919) 383-3437

www.brantleyproperties.com/croasdailecrossings

Leasing office for both properties: 2726 Croasdaile Dr., Suite 102 (BB&T Building)

EQUAL HOUSINGOPPORTUNITY

Professionally managed by www.brantleyproperties.com/croasdaile [email protected]

Front St.

I-85

Duke University

Carver St.

Croasdaile Apartments

Hilla

ndal

e Rd

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Croasdaile Crossings

Duke Hospital

Leasing Office


Enjoy the Lodge at Southpoint Lifestyle

� Spacious 1, 2 and 3 bedrooms � Oval Roman soaking tubs � Microwaves included � Washer/Dryers included � Berber Carpet � Built in computer desks with shelves � Resort-style Pool � Fitness Center with rock climbing wall � Hi-Definition Movie Theater � Wireless Business Center � Billiards Room � Sand Volleyball Court & Tot Lot � Dog Park � Putting Green � DVD Library

The Lodge at Southpoint offers outstanding amenities, superior service, and superb location near l-40 and NC 751.

1300 Knoll Circle • Durham, NC 27713 Phone: 919-484-2866 • Fax: 919-806-0400

Directions: From I40 West, take exit 274. Turn Left on Highway 751. Turn left on Renaissance

Parkway. Our community is on the right.

Enjoy the Lodge at Southpoint Lifestyle

or

Luxurious Partners Place Condo

Walk to Duke... Perfect for Med Students / House Staff /

Nursing Students / Graduate Students

Ground floor condo in Building A. Hurry it will go quickly!

3 Bedrooms with 3 private baths. Separate dining and living area with extra “sunroom.” Perfect condo for 3 friends or coworkers. Have your own private space, private bathroom in each bedroom with lockable doors. New Oak Floors and tiled kitchen. Kitchen with all appliances including washer, dryer, microwave, fridge freezer. Rent is $1600 per month or $550 per room per month. Deposit one months rent.

3 BR

3 BA

LivRm

DinRm

SunRm

FULL KITCHEN

$ 1600/ mo

929 Morreene Rd., Durham, N. C. 27705

Please contact: Dr. STUART SOUDERS 714.717.7154 or at [email protected]

RON MEECE 919.641.9416 or at [email protected]

• Bookcases • Bookcases • Bookcases • Desks & Computer Furniture • Desks & Computer Furniture • Desks & Computer Furniture

• Tables • Chairs • Tables • Chairs • Tables • Chairs • Bedroom Furniture • Bedroom Furniture • Bedroom Furniture

• Entertainment Centers • Entertainment Centers • Entertainment Centers And much more And much more And much more

2501 University Dr., Durham, NC 27707

(919) 401-5004 (919) 419-0679 Fax Mon-Fri 10am-6pm

Sat 10am-4pm

The Triangle’s Most Unique Source The Triangle’s Most Unique Source The Triangle’s Most Unique Source for Ready to Finish Furniture for Ready to Finish Furniture for Ready to Finish Furniture

Voted Best Voted Best Voted Best Unfinished Unfinished Unfinished Furniture Furniture Furniture Store in Store in Store in

the the the Triangle Triangle Triangle

http://www.rockwoodunfinishedfurniture.com


The Durham Performing Arts Cen-ter provides a state-of-the-art venue for a wide variety of showcases.

Completed in 2008, the 2,800-seat theater sits in the American Tobacco District in downtown Durham, ad-jacent to the Durham Bulls Athletic Park, home of the Durham Bulls-Tampa Bay Ray’s Triple-A affiliate.

The center allows for Durham to host the latest productions of hit Broadway plays, as well as various con-certs representing an eclectic mix of music spanning from classical to jazz, blues to country.

Luxurious amenities abound in DPAC, which has three parking ga-rages within walking distance of the facility to ensure readily available access from your car to the theater’s front door.

In addition, patrons can enjoy a large selection of food and bever-ages in the BlueCross BlueSheild of North Carolina Atrium, a three-story glass lobby with floor-to-ceil-ing windows to allow for one of the most beautiful views of downtown Durham.

DPAC benefactors have the option to join the President’s Club, giving

therm red-carpet VIP status at all Sun-Trust Broadway Series events. Other benefits include premium seating, re-served parking spaces, complementary drinks, VIP lounge access and invita-tions to cast parties.

From the first show at the theater when music legend B.B. King graced

the Bill City with his one-of-a-kind blues style, world-renowned perform-ers have graced the stage for large and captivated audiences.

In addition to musical artists, the SunTrust Broadway series brings the most critically acclaimed perfor-mances from New York City for Tri-

angle residents to enjoy.

Performances such as Disney’s “Beauty and the Beast,” “Mama Mia” and “Spring Awakening”—winner of the 2008 Tony Award for Best Musical, are just some of the performances com-ing to Durham in the upcoming season, which runs from September to June.

Drees Townhomes at Brightleaf at the Park, from the $150s

Now Taking Priority Reservations!• Easy access to Duke University, RDU airport, and RTP• 2 to 3-story townhomes, offering 2 to 4 Bedrooms and a 1-car garage• Distinctive exteriors and unique interior architectural detailing• Open spacious living with lots of windows throughout• Competitive rate financing packages available

Brightleaf at the Park offers a community clubhouse, tennis courts, a swim facility, and nature trails.

Visit one of Drees’conveniently locatedcommunities today.

DURHAM1. Ashfield Place 477-5844From the $260sFrom I-85, exit north on Guess Rd. Go 4.5 miles, past

Umstead Rd., to community entrance on right.

2. The Colony at American Village 225-8648From the $330sRt. 15-501 to northwest on Hwy. 751 (Cameron Blvd.)

through Duke Forest. Right on Constitution Dr., left on

American Dr. .7 miles. Left on Sycamore Shoals Rd.

into community. Call for information.

3. Brightleaf at the Park 596-9513Single family homes from the $290sComing Soon – Townhomes from the $150sI-540 to north on US-70 (Glenwood Avenue) towards

Research Triangle Park. Turn right into community just

before Sherron Road/Miami Blvd.

HILLSBOROUGH4. Churton Grove 732-5112From the $330sI-85 to Exit 170 (Rt. 70 Bypass) North approximately

4 miles to right on St. Mary’s Rd., then 1/4 mile to

community entrance on left.

Decorated models open Mon., Tues., Fri. and Sat.

11-6, Sun. 12-6, Wed. - Thurs. by appointment.

*By appointment only.

©2009 The Drees Company. All Rights Reserved.

1Umstead Rd.

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Raleigh“Building Company of the Year”

Performing arts showcased in new Center

The Durham Performing Arts Center, completed in 2008, has hosted the most critically acclaimed performances such as Disney’s “Beauty and the Beast”.


• Breakfast Bar • 24-hour laundry facility • Barbecue/picnic area • Lighted tennis courts

Comfort, Value, and Convenience

APARTMENT S • Studio, 1 and 2 bedroom apartment homes • Fireplaces, solariums (in select apartments) • Tranquil tree lined views of Duke Forest • Wooded trails and picnic area

from $449 monthly, short-term leases available

FULLY FURNISHED APARTMENTS • Fully equipped with all housewares,

appliances, cable, and local phone • All utilities paid for, including high speed internet

from $69 per nigh t

FEATURES • Fully equipped business center with high-

speed internet • Sparkling swimming pool with expanded

sundeck • 24-hour fitness center with Nautilus

equipment

Only 4 minutes to Duke Univer sit y .

THE FOREST A PARTMENTS • C ORPORATE S UITES

8 0 0 W h i t e P i n e D r i v e , D u r h a m , N C 2 7 7 0 5 919.383.8504

theforest@riverstoneres .com

Bring this coupon for Additional Specials


Call for a free estimate919-496-0800919-493-0818www.maids.com

We use our 22-Step Healthy Touch®

Deep Cleaning System every visit!

Bathrooms

Please call for our Duke special discounts

and recommendations!

A Promise From The Maids Home Services Housecleaning Teams.

We’ll give you the healthiest, most thorough housecleaning ever!

We use environmentally preferable cleaning products.

Our patented Back Pack Vacs with HEPA filtration can capture up to 99% of all dust and allergens.

Our maids work in teams of four, are professionally supervised, bonded and insured.

The Maids Home Services preferred by Duke for flexibility

and Scheduling!

®

• 9 Unique floorplans • Limited access community • Indoor racquet/volleyball court • Pay by credit card

From Duke, turn left on Academy Dr. (Hwy. 751), right onto University Dr., 3611 is located on your left!

LOCATION! LOCATION! LOCATION!

• Fitness Center • Full sized W/D* • Woodburning FP* • Pets welcome

1-866-595-6604 [email protected]

*in select homes

Only 3 miles from Duke!

Call for

our current

pricing

specials! 3611 University Drive www.pinnacleridgeapthomes.com


The Hayti Heritage Center provides a living monument to the rich history of Durham and a melting pot for the Bull City’s diverse community.

Formerly the Saint Joseph’s African Methodist Episco-pal Church, the group’s loca-tion served as one of the most prominent places of worship for Durham’s black community. Constructed in 1891, the elegant structure was the embodiment of a community once considered the most prosperous collection of blacks in America.

The tall steeple and large stained glass windows awed visi-tors from across the nation.

W. E. B. DuBois once re-marked that “never in all my travels have a seen a church as great as St. Joseph’s,” according to the center’s Web site.

Over time, the vibrant black community anchored along Fayetteville Street was dispersed throughout the city and the con-gregation moved out of St. Jo-seph’s.

While bulldozers destroyed

the hotels, restaurants, barber-shops and homes of the once-vibrant Hayti neighborhood to make room for the Durham Freeway in the 1970s, a group of community activist worked to save St. Joseph’s.

In 1975, the Saint Joseph His-toric Foundation was founded with the purpose both to pre-serve the structure and to recast

the old sanctuary as a cultural gathering place for the city.

More than 25 years would pass before this vision would come to fruition.

In 2001, the newly remod-eled St. Joseph’s reopened as the Hayti Heritage Center, renewed with the St. Joseph’s Performance Hall-a 400 seat venue for musical

and theatrical performances-as well as 35,000 sq. ft. for various gatherings, receptions, confer-ences and educational events.

Annually, the center hosts a wide array of events, including the Bull Durham Jazz Festival, held at the Durham Bulls Athlet-ic Park, Jumbalaya Soul Slam, a slam poetry competition, as well as Durham’s annual Juneteeth

celebration.

The center is also home to the Lyda Moore Merrick Gallery. The art gallery hosts some of the fin-est collections of African and Af-rican-American art in the world. Its namesake is credited with es-tablishing the first publication of any kind, which was geared to-ward those who were sightless in the black community.

Durham history glorified at the Hayti Center

The Hayti Heritage Center, formerly the Saint Joseph’s African Methodist Episcopal Church, was original constructed in 1891 and is home to the Lynda Moore Merrick Gallery.


Trinity Properties Trinity Properties Housing the Duke Community for Over 30 Years

Please call (919) 309-9765

[email protected] www.TrinityProp.com

Walk To Campus With Your Friends

P OPLAR W ES T

O FF E RWIN A T L A S ALLE

Available

HARDWOOD FLOORS AND HUGE WINDOWS. 603 Watts St. Two and Three Bedrooms $795/$1290 AND 506 N. Buchanan Two Bedroom $795

NEWLY RENOVATED. Very large TWO and THREE BEDROOM flats, includes washer/dryer : $675/$895 Anderson Apartments, 1600 Anderson St.

WALK TO WEST. Studio & two bedroom townhouses with hardwood floors at Poplar West .

FREE WASHER/DRYER. Two or Three bedrooms with carpet at Campus Walk . Also in walking distance to West Campus.

LOO

K S

• LU

XU

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• LO

CA

TIO

N

• Ceiling Fans & Fireplaces • 6, 9, 12 & 15 Month Leases • Pool, Volleyball &

Lighted Tennis Courts • Children’s Playground • Cablevision Available • Laundry Facilities • Central Heat & Air • 24 Hour Emergency Maintenance

471-8474 • 1321 New Castle Road Mon–Fri 8–5 • Sat 10-2

Minutes from Duke off Guess Road

Newly Remodeled One, Two and Three Bedroom

All Energy Efficient Garden Apartments

EQUAL HOUSINGOPPORTUNITY

1 BR ~ $515/mo 2 BR ~ $622/mo 3 BR ~ $845/mo

Student Special

1/2 off June, July, August


There are two big myths about renters insurance. One is that it’s too expensive and the other is that it’s not needed.

Not having renters insur-ance is a pretty big gamble, considering that without it you face the cost of replacing your personal belongings after an event such as fire or theft. What’s more, you could face the prospect of defending your-self in a lawsuit because of some accident for which you might be held legally responsible, whether it happened where you live or elsewhere.

In many cases, for less than a couple hundred dollars a year you can protect your valuables, like your furniture and clothes, from loss by fire, theft, wind and water dam-age or other covered hazards.

But many renters still don’t believe they need such insurance. A survey conducted by Cambridge Reports, Inc. for the Insurance Information Institute found that fewer than three out of every 10 renters purchase renters insurance.

Many renters mistakenly believe their landlord’s in-surance will cover their own belongings. In fact, it would be extremely rare for a landlord’s policy to extend to ten-ants’ property.

To determine how much insurance coverage you’ll need, take a complete inventory of your personal items. An insurance agent can help with this by estimating the total value of your property.

You’ll also need to decide whether to opt for depreci-ated or limited replacement cost coverage.

Depreciated coverage is the cost to repair or replace your belongings minus depreciation. Let’s say you bought a quality sofa with an expected useful life of 10 years. If

it’s now five years old and would cost about $1,000 to replace, you could expect to receive about $500 (less de-ductible) if your sofa was destroyed by fire. You would pay slightly more for limited replacement cost coverage, but you could expect to receive $1,000 for your sofa mi-nus your deductible.

You should also keep in mind that insurance cov-erage for some types of personal property is limited in terms of dollars. Renters insurance also gives you per-sonal legal liability coverage and medical payments to others who are accidentally injured while in your home,

apartment or elsewhere if the injuries are caused by your actions. And, if you are forced to live elsewhere because of damage to your residence due to a covered loss, rent-ers insurance covers additional living expenses.

Remember, you may not own the building in which you live, but you still need to have insurance to protect your property in the case of fire, theft or other hazards. Talk with your insurance agent for more information.

Marty Lindsey, State Farm® agent

Marty Lindsey

Renter’s Insurance is a ‘must have’

Don’t burn your hard-earned cash by not having renter’s insurance... It’s affordable and makes good sense.

Place at South Square

GREAT SPECIALS! Call the leasing Office for more details! (919)490-6990

7 minutes

to DUKE!

One of a Kind Outdoor Grilling Cabana!

Dog Park!

Valet Trash

Service!

Two 24- hour Fitness

Centers!

Theater/ Billiards

Room!

Two Resort Style

Swimming Pools!

Take a Virtual Tour of our 1, 2 & 3 Bedroom Floor Plans at

www.AlexanPlaceApts.com

Riverstone Residential Group


Woodstone at Croasdaile Farm Apartments are located in the midst of beautiful Croasdaile Farm, just a 5 minute drive from Duke’s Campus, Duke Medical Center, VA Hospital, I-85, and all your shopping needs.

Web site: www.gardenviewrealty.com/woodstone • email: [email protected]

AT C ROASDAILE F ARM

From I-40W to the NC 147 (Durham Freeway) take the Fulton St./Hillandale Rd. exit. Take right on

Hillandale Rd. Go approx. 1 1/2mi. crossing I-85. Take left onto Carver St. Proceed 1 mi. Turn right onto Croasdaile Farm Pkwy.

Woodstone 1/4 mile on left.

Office hours: Monday-Friday, 9 AM to 5 PM Saturday by appointment

100 Millspring Drive Durham, NC 27705 (919)382-7585 fax:(919)384-1933

AT C ROASDAILE F ARM

• Unusually spacious floor plans featuring nine-foot ceilings throughout, walk-in closets in each bedroom, large patio/balcony, and living rooms with bay windows

• Gourmet kitchen includes all-electric appliances: frost-free refrigerator with icemaker, dishwasher, stove with self-cleaning oven, built-in microwave and pantry

• All apartments are furnished with a full-size washer and dryer in a separate laundry room adjacent to the kitchen

• Each apartment has an exterior locked storage closet

• Rent includes: alarm system & monthly monitoring, water, sewer, trash and recycling

• Sprinkler system throughout apartment

• Clubhouse with complete kitchen, large screen TV, VCR/DVD player and state of the art sound system

• Wireless Internet available throughout clubhouse and pool deck area

• Business Center features two computers with high-speed internet access, printers, fax and copier for resident’s use

• Fitness center with keyless entry for 24-hour access

• Olympic size swimming pool and 2 tennis courts equipped with lighting for night play

• Complete access to 3 miles of walking trails, lakes, and gazebo

• Garage and storage units available with remote control access

• One pet under 35 lbs welcomed

Experience the Very Best!! 2008-2009 Highest Rated Apartment Community

According to Duke Community Housing Survey


• Homesites ranging from .75 acres to 2.7 acres, starting at $190,000.

• Planned Residential Community, governed by community-wide standards

• Beautiful walking paths, gazebos, a 6 1 ⁄ 2 acre lake with fishing pier and serene woodland park for the exclusive use of Croasdaile Farm residents.

• Located three minutes from I-85 and five minutes from Duke and Duke Medical Center.

www.gardenviewrealty.com Contact Jo Oakley

at Garden View Realty or [email protected]

(919) 383-5575

C ROASDAILE F ARM C ROASDAILE F ARM

Under $ 100,000

(cheaper than renting!) Adorable 2 BR/ 2 BA cottage-style townhome near Southpoint Mall. End unit with private yard backing to woods. Just remodeled with new paint, carpet, vinyl countertops, appliances, and lighting! Large rooms, good closet space. Tree-shaded and quiet, yet minutes from dining, shopping & entertainment. Easy commute to Duke! Priced below market value for quick sale.

$8000 first-time buyer tax credit makes this home cheaper than renting! Call me for more information!

Specializing in Relocation in Durham & the Triangle Region Access to All Available Properties!

Maggie Considine Maggie Considine (919) 401-7615 401-7615 [email protected]

E-mail: [email protected] • Website: www.applerealty.org

(919) 471-2007 2911 Guess Rd., Durham, NC 27705

FOR RENT CONVENIENT TO

DUKE & NINTH STREET 911 IREDELL ST. (L/S) - AVAILABLE LATE JUNE ' 09 - Efficiency (Bedroom/Living Room Combo) in the Ninth Street district, kitchen with range & refrigerator, bathroom with shower/tub, electric heat and AC. RENT $415 DEP $415

924 CAROLINA AVE. - AVAILABLE AUGUST ' 09 - 3BR, 2BA, large lot, berber carpet thru-out, central heat & air, stove, refrig, w/d conn., deck and outside storage. RENT $935 DEP $935

1013 #2 NINTH ST. - NINTH ST. COMMONS - AVAILABLE JUNE ' 09 - 3BR, 2.5BA, approximately 2000 sqft, 2 story townhome, open floor plan w/ cathedral ceilings, LR, DR, den, hardwood floors throughout, ceramic tile baths, downdraft range, microwave, refrig w/ icemaker, washer & dryer. RENT $1850 DEP $1850

1015 #3 NINTH ST. - NINTH ST. COMMONS - AVAILABLE JUNE ' 09 - 3BR, 2.5BA, approximately 2000 sqft, 2 story townhome, open floor plan w/ cathedral ceilings, LR, DR, den, hardwood floors throughout, ceramic tile baths, downdraft range, microwave, refrig w/ icemaker, washer & dryer. RENT $1850 DEP $1850

1216 BROAD ST. UP - AVAILABLE JULY ' 09 - 2 BR, 1 BA duplex, kitchen with stove & refrigerator, washer & dryer, central gas heat and AC, off street parking, hardwood floors. RENT $800 DEP $800

1331 HAMLIN RD. - AVAILABLE AUGUST ' 09 - 2 BR, 1 BA, brick home in a rural setting. Kitchen with range, refrigerator, washer/dryer connections, fireplace, hardwood floors/carpet, close to Treyburn, city water. RENT $745 DEP $745

1603 W. CLUB BLVD. (L/S) - AVAILABLE MAY ' 09 - 1 BR, 1 BA duplex in Ninth Street area, hardwood floors, kitchen with range and refrigerator, stack washer/dryer, gas heat and central air. RENT $565 DEP $565

1605 A W. CLUB BLVD. - AVAILABLE JUNE ' 09 - 1BR, 1BA brick duplex, near Broad St. LR, Kit with range, refrigerator and washer & dryer, plus large closets and hardwood floors. Yard care included. RENT $555 DEP $555a


Sick of the Loop? Tired of going to the same frat parties weekend after weekend? Is a trip to a Durham Bulls game just not going to cut it? Don’t worry, there are a wealth of things to do beyond the con-fines of the Gothic Wonder-land and Bull City. Durham’s proximity to other must-see places is among its most at-tractive features. Within a five hour drive of Duke you can find snow-covered mountains, sunny beaches and everything in between. The Chronicle’s Housing Guide gives you the lowdown on fun locales to visit from right in our backyard to a hundred-plus miles away.

1. Hillsborough, N.C. (Drive time ~20 minutes). Founded in 1754, the quaint, historic downtown consists of numerous small boutiques and friendly restaurants. Get that morning pick me up at Cup A Joe, or cap the day off with a cold one at the Wood-en Nickel Pub. Indulge your sweet tooth at Matthew’s Chocolates or enjoy south-ern cooking at the Riverside Restaurant, all within a three block radius. For those really

looking to get in touch with their southern roots, you can’t miss Hillsborough’s Annual Hog Day—a town tradition in its 27th year.

2. Raleigh, N.C. (Drive time ~25 minutes). The den of the Wolfpack is also home to the only Krispy Kreme in the Triangle, and if you’re feeling up to it, you can see both in the same day. Each winter, the stout of heart sprint 1.5 miles from North Carolina State University’s Memorial Bell Tower to the doughnut shop, consume a dozen doughnuts and run back. The proceeds go to the North Carolina Children’s Hospital, so at least you know you’re traumatiz-ing your stomach for a good cause. But if you don’t want to increase your likelihood of heart attack in a single day, be sure to check out any of the capital’s renowned museums.

3. Hanging Rock State Park (~2 hours). Away from the hustle and bustle of campus life, Hanging Rock State Park offers a retreat from the ev-eryday. 6000 acres, 18 miles of trails and beautiful mountains

in Danbury, N.C. Only a short drive from campus.

4. Wrightsville Beach (~2.5 hours). Who doesn’t like a day at the beach? Bring some blankets, maybe some sand-wiches and prepare to catch some sun. One of the best parts about the Carolinas is that it’s still warm enough to swim as late as October. If it’s a nice weekend and you’re sick of work, drive two hours to the sandy paradise.

5. Carowinds. (~2.5 hours). With a roller coaster that cross-es the border between North Carolina and South Carolina, Carowinds is the largest theme park in both states. Head down here to ride some thrillers and chow down on a turkey leg the size of your head.

6. Stone Mountain, N.C. (~2.5 hours). This little-known state park has it all. A 600-foot mountain with breathtaking views and a tall waterfall where visitors can sharpen their fly fishing skills. The hiking is relatively easy and enjoyable, and the moun-tain isn’t too far away. Be sure

to stop by a hole-in-the-wall barbecue place on the drive.

7. Sugar Mountain, N.C. (~3.5 hours). In the winter months this is a great place to ski and it’s not even that far away. Wake up early, tear up the slopes, and be back in time to grab dinner at the Loop.

8. Asheville, NC. (~4 hours). The typical fall trip: cruise down the Blue Ridge Parkway, look at the leaves and tour the

largest privately own property in the U.S., the Biltmore Es-tate. In the autumn months, there is hardly anywhere in the world more beautiful than western North Carolina.

9. Washington, DC. (~5 hours). Join throngs of tour-ists and politicians in our na-tion’s capital. Walk around the mall, check out some free museums, and if you’re lucky you may just see a presidential motorcade.

A freshmen’s guide to weekend short trips

Call Me! 306-1486

Anne Kern Carpenter Broker, Realtor, QSC

I THINK YOU WILL BE

PLEASED!

From “Hello,” to “Contract”!

Need a Realtor?

A neighborhood of services under one roof Bringing buyers and sellers together

Homes, Townhomes & Apartments

E-mail: [email protected] • Website: www.applerealty.org

(919) 471-2007

For Rent

2911 Guess Rd. Durham, NC 27705

New & Historic Properties Near Duke

Stone Mountain, located approximately two and a half hours away from Duke, features miles of beautfi ful hiking trails.


Donate What You Don’t Need, Shop For What You Do!

Furniture

Appliances

Household Goods

Building Materials

Donations are tax-deductible FREE pick-up of large items

3710 Shannon Road, Durham • 403-8668 Tues - Fri 10am - 6pm • Sat 10am - 5pm

[email protected] • ReStoreDurhamOrange.org


L UXURY

A PARTM

ENTS

Nestled in a 33-acre

nature preserve,

with farm pond and

walking paths, this

premier Riverstone

Residential

community features

apartments with

crown molding

and garden tubs,

townhomes with a

bay window, eat-in

kitchen and

attached garage,

and single family

cottages with

direct-access

garages and

covered porches.

Located just 6

miles from Duke.

Take 15-501 South,

turn right on Garrett

Rd, Alexan Farms is 1 ⁄ 4 mile on left.

• Cyber café business center • Tot lot • Clothes care center • Two bay carwash • Swimming pool with • State-of-the-art

sun deck fitness center • 33-acre nature preserve • Picnic grill area • Wi-fi internet access at • Lighted tennis court

clubhouse and pool • Detached garages

Mon-Fri 9-6, Sat 10-5, Sun 1-5 Preferred Employer Program

Ask about our Specials

1 BR/1 BA 828 SF 2 BR/1&2 BA 938-1,145 SF 2 BR/2-2.5 BA (TH or Cott) 1,275-1,326 SF 3 BR/2-3.5 BA (TH or Cott) 1,347-1,568 SF

Pets: Up to 50 lbs

NOW LEASING! 240 Ivy Meadow Lane

Durham, NC 27707 Phone: 401-4660 • Fax: 401-4771

www.alexanfarms.com

Our Name Will Be Changing to Addington Farms Soon!

The following shows utility providers in the Durham area. Durham residents can also call the city’s One Call service for more information, 560-1200.

Electricity: Duke Energy• Apply for electricity by calling 1-800-777-9898 or by visiting the Duke Energy web site.• Orders for electricity are processed Monday-Saturday, 8:00am-9:00pm.• Allow 3-5 business days for your order to be processed.

Natural Gas: PSNC Energy• Apply for gas service by calling 1-877-776-2427.• A deposit may be required to set up a new ac-count. The deposit amount is based on the previ-ous usage at your new address.• It can take 2 days to 1 week (peak move-in sea-son) to start gas service.

Water: City of Durham - Water Management101 City Hall Plaza

Taking care of the basicsWho to call when you’re going to move

(919) 560-4411Office Hours: 8:00am to 5:00pm, Monday – FridayTo activate water service, you must go to City Hall Plaza and provide the following:• A $50 deposit or credit reference letter from an-other utility• A copy of your lease agreement• Social security card or a photo ID

Heating Oil: Couch Oil Company(919) 286-5408Office Hours:Monday-Friday, 8:00am - 5:00pm, Saturday, 9:00am - Noon

Don C. Christian Co., Inc.(919) 596-8169Office Hours: Monday-Friday, 8:00am - 4:00pm

Telephone: Verizon• Apply for phone service by calling 800-483-4000.• You may also apply for service by visiting the GTE Phone Mart at Northgate Mall, Telephone: 286-7336Hours: Monday-Saturday, 10:00am-9:00pm.• A deposit may be charged to set up a new ac-count.• A connection charge is required to start your new tele-phone service. Installation charges generally appear on your first telephone bill.• Phone connection normally takes 2 business days.

Cable TV: Time Warner Cable708 E. Club Blvd.Durham, NC 27704(919) 220-4481To order cable television service, call 1-888-489-2666.Cable hookup requires payment for installation and one month’s service.

Garbage, Trash & LandfillCity of Durham Solid Waste Management1833 Camden AveDurham, NC 27701(919) 560-4185

RecyclingCity of Durham Solid Waste Management1833 Camden AveDurham, NC 27701(919) 560-4185

Tidewater Fibre Corporation1017 S Hoover RdDurham, NC 27703(919) 957-8803

Starting July 13, Durham’s recycling program is grow-ing. Small recycling bins are being re-placed with larger wheeled recycling carts. Visit http://www.durhamnc.gov/departments/solid/wr_default.cfm for more information.


Jenny MacKay Broker, Realtor 919.619.8149

[email protected]

5102 Durham Chapel Hill Blvd. Durham

104 Westside Dr. CHAPEL HILL NC

3 Bedroom, 2 1 ⁄ 2 Bath,

2279 sq Feet

$439,900

1017 Kent St. DURHAM NC

2 Bedroom, 2 Bath, Basement, 1200 sq Feet

$145,000

• Apartments • Houses • Duplexes •

Available for Rent Near Duke University and Medical Center

3633 Durham-Chapel Hill Blvd., P.O. Box 52328, Durham, NC 27717-2328 Commercial: (919) 489-2000 • Residential: (919) 489-1777

www.realestateassoc.com

R E S I D E N T I A L R E A L E S TAT E 311 W. Rosemary St. • Chapel Hill, NC 27516

919/933-8500 • 800/382-0673 [email protected]

www.tonyhallassociates.com

Chapel Hill’s Real Estate Expert Since 1986

T ONY H ALL

A P A R T M E N T S Erwin Square Erwin Square Erwin Square A P A R T M E N T S

~ Renovated Warehouse Apartments ~ One Bedrooms available for ‘09-’10 school year ~ Floorplans and prices available upon request ~ Ninth Street location, minutes from Duke University ~ Waitlist for 2010-2011 starts in September. Watch The Chronicle for date and location.

Call 682-9229 for more information Email: [email protected]

[email protected]

Office located at 905 W. Main Street, Office 24EQUAL HOUSING

OPPORTUNITY

Managed by Property Advisory Services


Is now a good time to refinance? To buy a first home?

Given the situation of the market, it can be an excel-lent time to refinance. However, it is going to depend on the individual, their credit scores, the amount of equity, credit history and loan-to-value.

In regards to purchasing a first home, now is an awesome time. Seller’s are anxious to sell and with the

condition of the market, they will settle on a price lower than they would have a year or two ago. Don’t be afraid to negotiate. Buying a house is a game and the stronger player wins every time. I would also urge any potential home buyer from becoming emotionally attached. Part of the job of the realtor is try to get you to fall in love with a house. What if that does not work out? Then it may take more time to find the next one. If you can save the attachment until you have the keys in your hand, you may be much happier.

Is harder to get a mortgage loan due to the credit crisis?

There have been a number of changes in mort-gage lending. These changes have affected the way that we determine mortgage rates. I would not say that it is harder to get a mortgage but you may not be as happy with how much you are able to afford.

Is it best to be pre-approved for a mortgage before you start looking?

I believe that it is imperative that you get pre-qual-ified prior to beginning the house hunting process. There is a difference between being pre-approved and pre-qualified. Being pre-approved means that a loan application is prepared, credit reports are pulled and the loan is sent thru an automated underwriting process. This is done typically on a property that does not yet exist. I prefer the pre-qualification process.

First, this will give you a really good idea as to the price range that you should be looking. Secondly, you will get an idea as to your monthly payment. This will be beneficial in preparing your budget.

Next, you need to be careful during this process because if you provide to someone your date of birth and social security number, rest assured that they are going to pull your credit report(s). This is called an in-quiry. This inquiry is going to drop your credit score anywhere from 2-14 points. This one inquiry will take 2 years to fall off of your credit report.

What I recommend and how I pre-qualify every-one is that I have them go to www.annualcreditreport.com. By selecting the state in which you live, clicking on request report and providing some basic info about yourself, you will be able to access your credit report for free and your credit score for $7.95. The credit report that I prefer is Equifax. Please be aware that this site is not from a 3rd party vendor like www.freecreditreport.com . This is a site that the bureaus provide the con-sumer their free report from all 3 bureaus once every 12 months. Too, by getting the Equifax report and score from annualcreditreport.com, you are getting the exact same report and score as if I pulled your credit.

It is very important to note that if you do allow someone to pull your credit report for a mortgage, you can have numerous inquiries within 30 calendar days and you will only receive the one ‘hit’ on your score. This is a law. After that, it starts all over again. Anytime regardless if it is for a mortgage or anything else and someone is asking for your date of birth and social se-curity number, you should ask yourself, is whatever I am going to do worth having my credit pulled and my score drop.

How much should you put down on a home?

Typically, the minimum down payment will depend on the type of loan that you are looking to do. If it is an FHA, the minimum down is 3.5% and if it is a FNMA loan, the minimum is 5%.

Everyone is pretty much aware that the days of 100% financing are no longer available. They are at

Mortgages: Now is a good time to refinanceQ & A with Scott Baker, Mortgage Lending Officer at Duke University Federal Credit Union

SEE Q&A ON PAGE 27

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Duke Credit Union. We have been offering 100% fi-nancing, Home Express, since 2002, provided they are qualified borrowers.

On this product, we are the actual investor and lender. The way that we do it is to provide a 1st and 2nd mortgage. The first is for 80% of the loan-to-value and the 2nd is for 20% of the loan-to-value. The first mortgage is a 5/1 adjustable rate mortgage (ARM). This is amortized over 30 years with principle and interest. It is not an Interest-Only type of ARM, nor is it a Sub-Prime mortgage. The 2nd mortgage is a 15 year fixed rate mortgage. We offer this for purchases, refinances and 2nd homes. We even pay the closing costs on the 2nd mortgage portion for you.

What is PMI? What are discount points?

PMI stands for Private Mortgage Insurance. This is an insurance policy for the lender protecting them against the mortgage going to foreclosure. The amount that you pay generally depends on the amount of your down payment, loan amount and your credit score. To avoid this and you only want one mortgage, you will need to put down 20%. If you are unable, you will want to keep track of your principle and your home’s appre-ciation. My advice would be wait until you are certain that you have 22% equity before inquiring into the re-moval.

Discount points are where you typically see that the borrower is ‘buying down’ the rate. That is to say that they wanted a lower rate, they had extra cash on hand and they wanted a rate that was below the going rate. They could pay extra at the time of closing in order to get the lower rate. Each point is equal to 1% of the loan amount. One thing that I would suggest is to weigh the difference and see where you break even from a cost perspective before handing over the extra money.

Can you briefly describe the different types of loans (fixed, adjustable, etc.) and how to you determine what is best for you?

There are several different types of mortgages avail-able. The most common is the fixed rate. This means that the rate is fixed for as long as you own the home unless you refinance. The terms for this type can be anywhere from 30 down to 10 years.

Another type is the ARM, which is an acronym for Adjustable Rate Mortgage. ARM’s are a fixed rate for a specified period of time. This is generally either 3, 5, 7 or 10 years.

What happens is that the rate is fixed for the amount of years and then the rate can adjust yearly, on a con-ventional loan after the initial period. With a FNMA type of ARM the rate can only adjust as much as 2% either up or down and there is a lifetime cap of 6%.

This means that the rate can never go higher than 6% from the rate that you started with. These types of loans are amortized over 30 years. Many are afraid of this type of loan because of all of the ‘bad press’ it has received. It is my opinion that the ARM’s that we all heard about were either an Interest Only ARM or a sub-prime ARM. The FNMA ARM’s are not bad.

Depending on the current market conditions you are sometimes able to get ARM’s with a lower rate than for a 30 year fixed. The question to ask yourself before getting this type of loan is, how long do I intend on liv-ing in the home. Typical homeower’s today are in their house an average of 3 – 7 years. If that is the case, then it may be worth investigating further.

Interest Only mortgages are still available. I try to keep people away from this product. This type of mort-gage provides the borrower an opportunity to own a home and to pay the interest only for a specified period of time. This type of loan means that you are not re-quired to pay anything towards the principle during the initial period of 3-10 years. However, if you only pay the interest and you put nothing towards the principle, you are going to have a tough time trying to refinance when that initial period ends because the only equity that you are going to have is from appreciation and that will not be enough unless you put close to 20% down. Appre-ciation in this area can be anywhere up to about 4%.

Q&A FROM PAGE 26

Whether you fall in love with a house due to its architecture, its landscaping, its location, or all of the above, now is a smart time to be negotiating for a home loan.

Holly Hill/Poplar Manor/Erwin Terrace 919.383.3830 2716-D Campus Walk Ave., Durham, 27705 Fax 919.382.0427 Hours: Mon-Fri 9-5

After hours by appointment only

1 Bedroom/1 Bath . . . . . . . . . . . . . . 705-886 approx SF 2 Bedroom/1-2 Bath . . . . . . . 910-1,750 approx SF 3 Bedroom/2 Bath . . . . . . . . 1,260-1,315 approx SF

From Duke (Towerview Dr.), turn right on Erwin Road, left on Lasalle Street, then left on Campus Walk Ave.

3 iDEAL LOCATIONS

� Pet Friendly� Laundry Facilities� Lease: 6, 9, 12 months� Water furnished� Complete kitchen appliance pkg.� Wall-to-wall carpet, window treatments� Great West Durham location!� Spacious apartments, convenient to Duke

University and Hospital, VA Hospital, US 15-501 & shopping malls

� On bus line� TAA Member

[email protected]

holly hill A P A R T M E N T H O M E S

poplar manor A P A R T M E N T H O M E S

A P A R T M E N T H O M E S

866.383.9256


NAME ADDRESS WEBSITE SQ FEET BEDROOMS PRICES POOL FITNESS CTR PETS EXTRA

Alexan Farm Apartments 240 Ivy Meadow Lane AlexanFarms.com 828-1568 1-3 $885-$1745 X X X playground, tennis courts

Alexan Place at South Square 100 Alexan Drive AlexanPlaceApts.com 828-1347 1-3 $860-$1380 X X X dog park, theater room

Anderson Apartments 1600 Anderson Street trinityprop.com 776-1119 1-3 $575-$895 X newly renovated

Atrium 3800 Meriwether Dr gscapartments.com 1-2 $426-$546 X X flexible leases, tennis courts

Audubon Lake 501 Audubon Lake Dr ticonproperties.com 650-1640 1-3 $570-$960 X X security system, clubhouse

Belmont 1000 McQueen Drive livebelmont.com 788-1130 1-2 $919-$1169 X X X clubhouse, raquetball

Berkeley at Southpoint 1400 Laurel Springs Rd berkeleysouthpoint.com 843-1410 1-3 $720-$1060 X X X putting green, clubhouse

Campus Walk 2748 Campus Walk Ave trinityprop.com 880-1300 2-3 $675-$950 X free washer/dryer

Century Creek 2850 Courtney Blvd centurycreek.com 889-1491 1-3 X X car care center, gated

Chapel Tower 1315 Morreene Road gscapartments.com 1-3 $465-$899 X X flexible leases

Colonial Grand at Patterson Place 100 Northcreek Drive colonialprop.com 692-1362 1-3 $720-$1100 X X X walking trails, bike rental

Colonial Grand at Research Park 400 Stone Lion Drive colonialprop.com 484-1594 1-3 $581-$1456 X X X movie theater, care care

Colonial Village at Deerfield 910 Constitution Dr colonialprop.com 789-1206 1-2 $635-$1095 X X X car care, trails

Colonial Village at Woodlake 1000 Lydia’s Way colonialprop.com 677-1216 1-3 $530-$1160 X X X free movie rental

Croasdaile Apartments 2726 Croasdaile Way brantleyproperties.com 730-1100 1-3 $670-$905 X X X playground

Croasdaile Crossings 2726 Croasdaile Way brantleyproperties.com 750-1250 1-2 $750-$925 X X X flexible leases

Duke Manor 311 South LaSalle St gscapartments.com 1-2 $426-$546 X flexible leases, tennis courts

Duke Villa 1505 Duke Uinversity Rd gscapartments.com 1075 1-2 $546+ X flexible leases

Erwin Terrace Erwin Road teaminc.nc.com 1050-1750 2 $1313-$2188 X mixed use property

Evergreens at Mt Moriah 5512 Sunlight Drive evergreensnc.com 750-1230 1-3 $770-$1100 X X X dog park, tennis court

Falls Point Apartments 100 Cascade Falls Lane fallspointeapartments.com 823-1246 1-3 $699-$999 X X X playground, flexible lease

Forest Apartments 800 White Pine Drive theforestapartments.com 400-824 1-2 $499-$725 X X X tennis courts

Golden Belt Lofts 807 East Main Street goldenbeltarts.com 890-1260 1 $850-$1300 X flexible leases

Holly Hill 2716-D Campus Walk Ave teaminc.nc.com 780-1315 1-3 $560-$750 X flexible leases

Indigo 100 Adelaide Circle ticonproperties.com 650-1162 1-2 $545-$995 X X gated community

Lenox East & West 100 Mayfield Circle ticonproperties.com 650-1640 1-3 $570-960 security system

Lofts at Lakeview 2616 Erwin Road loftsatlakeview.com 685-1672 1-2 X X X lounge, theater

Martin Court 943 Morreene Road 1 $560 security system

New Haven 3001 New Haven Drive ticonproperties.com 535-1640 1-3 $545-$995 X X clubhouse

Guide to local apartment communities

This information is provided as a service. Please verify all information with the rental property.

Parc at University Towers 20 Morcroft Lane parcatuniversitytower.com 725-1234 1-3 $777-$1137 X X X flexible leases, tennis courts

Pine Ridge 1 Swiftstone Court ticonproperties.com 535-1640 1-3 $530-$970 X X clubhouse

Pinnacle Ridge 3611 University Drive pinnacleridgeapthomes.com 634-1004 1-2 $765-$1060 X X tennis & raquetball courts

Poplar Manor 2716-D Campus Walk Ave teaminc.nc.com 705-846 1-2 $665-$740 X flexible lease

Poplar West Louise Circle trinityprop.com 400-900 1-3 $470-$750 X walk to West

South Terrace Apartments 801 E Woodcroft Pkwy southterraceapts.com 805-1505 1-3 $650-$1195 X X X car care, walking trails

Station 9 2211 Hillsborough Rd stationnine.com 732-1535 1-2 movie theater, onsite spa

Strawberry Hill 1321 Newcastle Road 650-1102 1-3 $540-$775 X X flexible leases, tennis courts

Sutton Station 5836 Fayetteville St suttonstation.com 824-1729 1-2 security alarms

The Lodge at Southpoint 1300 Knoll Circle lincolnapts.com 648-1352 1-3 $774-$1284 X X X rock climbing wall, theater

West Village 604 West Morgan St westvillage.com 670-1230 1-3 $910-$2151 X X X basketball court

Woodland Creek 5216 Penrith Drive 900-1240 1-3 $605-$860 X X tennis courts, flexible leases

Woodstone Apartments 100 Millspring Drive gardenviewrealty.com 840-1320 1-3 $850+ X X X flexible leases, clubhouse


Hybrid car? Check. Organic t-shirt made from sustain-able cotton? Check. Whole Foods tote bag? Check. Environmentally safe house paint? Not so much.

When going green, it’s not just your transporta-tion and clothing that can help lower your carbon footprint. These days, most everything has more environmentally friendly options, and your house is no exception. From bamboo flooring to all natural, milk-based paints, there are many attractive options to consider when decorating your new place.

One of the biggest ways to lower your carbon footprint when decorating is to change what you’re walking on. Flooring is a huge component of any house, and there are many things to look for when deciding what kind to get. When looking at hard-wood flooring, sustainability of the materials used and the chemicals used in the finishes are important to think about before choosing a flooring option.

Bamboo wood floors are a popular option since bamboo is a very fast-growing, highly renewable resource, as are floors using wood harvested from forests that are certified to be well-managed and bi-ologically diverse. Green wood flooring options are widely available and can be found at Web sites such as www.ecotimber.com.

Other flooring options include cork tiles and poured concrete floors, which are economical, du-rable, and can have color and textures added.

Most of us don’t notice it when we’re walking on it, but cork flooring has been naturally enriching in-teriors for over 100 years in notable buildings such as schools, hospitals, churches, museums, librar-ies and hotels. It’s warm honey-toned appearance, comfort underfoot and ability to soften acoustics often goes unnoticed by those of us who would not otherwise recognize it.

So what is cork? Cork is actually the outer bark of a tree, Quercus suber, which grows in the Medi-terranean Cork can be used as a flooring surface, an underlayment for flooring, on walls and ceilings, and is one of the main ingredients in natural lino-leum. Cork has been formed into baseboards and moldings as well. In residential applications cork is successfully used in living rooms, kitchens, bath-rooms and hallways. Most manufacturers offer cork tile in shades of light, medium, and dark, but there will always be shade variation from tile to tile.

If you’re into something a little softer to walk on, natural rugs are another way to go, but wall-to-wall carpeting is not a very eco-friendly option. These days most carpets are made from nylon, which is made from petroleum and a plethora of other dan-gerous (and smelly) chemicals. Some options include rugs made from natural fibers such as sisal, seagrass or coconut fibers, and carpet tiles made of old re-cycled carpets, wool and even plastic soda bottles.

If you’re forgoing your old carpeting in favor of some sustainable hardwood or concrete floors, make sure you recycle your old carpet so that it can be made into recycled carpet tiles and other products, such as roofing shingles and railroad ties. The Foam Recycle Center in either Raleigh or Durham (www.recyclefoam.com) will deliver a container and haul away all recyclable carpet padding for you.

Another easy way to add some eco-friendly style to your home is paint. Unfortunately most house

Step up to ‘green friendly’ flooring

SEE FLOORING ON PAGE 31

It’s important to look at the sustainability and chemicals used when choosing a hardwood floor.

Duke Employees & Students $ 100 Receive a $ 100 BONUS ! $ 100

Apply now to reserve your spot!

Luxury Apartment Homes ~ At the Center of It All!

Apply Today Call 919.489.8788 or Fax 919.489.8587

5512 Sunlight Drive, Durham, NC 27707 Email [email protected] Website www.evergreensnc.com

� Spacious and Modern 1, 2, and 3 Bedroom Homes �

� Only 5 Miles to Duke via Erwin Road�

� Walking Distance to Shopping and Dining�

� Washer and Dryer Connections�

� Garden Tubs and Ceiling Fans�

� Resort Style Swimming Pool with Tanning Deck�

� Lighted Tennis Courts and Sand Volleyball Court�

� 24 Hour Fitness and Business Center�

� Pet Friendly with 2 Dog Parks and No Monthly Pet Fees�

� Wireless Computer Access at Pool and Business Center�

� Free Weekly Yoga Classes�

� Flexible Lease Terms�

� Garages with Remote Access�


The Century Experience Bring in this ad and pay no Security Deposit* Offering one, two and three bedroom apartment homes

Once in a while you’ll discover a special place away from the stress of everyday life. Welcome to Century Creek at Research Triangle Park. We have all the comforts you’ve come to expect in superior living; plus additional amenities, unparalleled service and the Century Experience. Located in the RTP, just minutes from Duke, I-40, 540, Highway 55/54 and RDU Airport; Century Creek is in the heart of it all.

On-line Rent payment 24 Hr-Executive business center Minutes from Brier Creek/Southpoint Limited access gate Available garages and storage Large pets are welcome

Full-size W/D Included Flex Leasing Brand New BARK Park Corporate suites available Resort-style pool w/ Wi-Fi State-of-the-art cardio center

*With approved application.

CENTURY CREEK

2850 Courtney Creek Blvd. • Durham • 919.544.2300 www.centurycreek.com

4130 Garrett Rd. • Durham, NC 27707

Coming this Winter.... 10 MINUTES TO DUKE!

1 , 2 , & 3 BEDROOM FLOOR PLANS

9 ft. ceilings

Black GE appliances

Washer/ Dryer connections

Fitness Center

WiFi Cyber Café

Resort style swimming pool w/ outdoor cabana

Theater Room

Detached garages available

Sunrooms

B R A N D N E W B R A N D N E W APARTMENT HOMES!

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paints are made with many chemicals and are pe-troleum based, but many new paints are becoming available that are naturally based and non-toxic. From clay-based house paints to milk-based paint mixes used to paint furniture and walls, these paints come in a plethora of bright colors, and don’t have the strong odor associated with normal house paints. “Green” paints such as these can be found locally at Com-mon Ground Green Building Cen-ter (www.common groundgreen.com) in downtown Durham.

Because these paints are naturally based, they can get thick with use, but can be easily diluted with wa-ter without changing the color. Go to www.green-planetpaints.com or www.realmilkpaint.com to see the colors and where the paints are available.

For those who don’t have the luxury of changing the flooring or paint in their space to be more eco-friendly, don’t despair. There are still ways for you to stay green. From energy-saving appliances and natu-ral cleaning supplies to furniture made from sustain-able materials, there are many ways to support moth-er-earth without sacrificing your security deposit.

Green furniture has moved beyond the realm of the hammocks and willow-branch beds of years past and has the sleek lines reminiscent of the most mod-ern of steel-and-leather furniture. Made with natu-ral fabrics and sustainable woods such as teak and

bamboo, these pieces are beautiful and good for the environment. Design websites such as www.inmod.com offer pieces that are sleek and modern.

Whether you’re renting your hundredth apart-ment or buying your first house, see how many ways you can create gorgeous, green home inside and out. When you think about it, a bamboo couch is much more attractive, and cheaper, than a Prius, anyway.

~ Rachel Oehring

FLOORING FROM PAGE 29

Eco-friendly paint comes in many bright colors and doesn’t have a strong odor.

Direct Line: 919/724-3446 3211 Shannon Rd • Durham, N.C. 27707

Email: [email protected]

Don’t throw money away on dorm fees

or rent – buy your student a townhouse,

condo or small home!

Ca ol Gerbracht REALTOR, Broker

Your child can be the manager (a tax write-off) and roommates can

pay the mortgage with their rent.


The

Belmont LIVE WHERE YOU LEARN . LOVE WHERE YOU LIVE. LOVE WHERE YOU LIVE.

Text “Belmont” to 47464 for more info (standard text messaging rates

apply).

Pet Friendly Community

24 Hour Activity Center

Full-Sized Washer and Dryer

Spacious Walk-in Closets

1000 MCQUEEN DRIVE | DURHAM, NORTH CAROLINA 27705 | PHONE: 919.383.0801 | WWW.LIVEBELMONT.COM 1000 MCQUEEN DRIVE | DURHAM, NORTH CAROLINA 27705 | PHONE: 919.383.0801 | WWW.LIVEBELMONT.COM

Close Proximity to Duke University

CAN YOU SEE YOURSELF LIVING CAN YOU SEE YOURSELF LIVING ANYWHERE ELSE? ANYWHERE ELSE?

APPLY TODAY

Buying a home is the largest purchase most people will ever make. Homeownership has great benefits. Hom-eownership also comes with certain responsibilities.

Are you ready for homeownership? Look at your current situation and determine if:

• You have a steady, reliable source of income and a steady employment history for at least two years. • You have a credit history.

• Your total debt is manageable and you can afford to take on the costs associated with hom-eownership.

• You have money saved for a down payment and closing costs or you have access to other sources of funds, such as an employment bonus, tax refund, or a gift from a relative.

Think about your future plans that might affect your ability to manage the costs of homeowner-ship.

• Consider whether you need to make lifestyle changes that might include not taking expensive vacations or purchasing luxury cars, and dining out less.

• Consider the costs of a growing family when looking at your homeownership budget.

• Consider whether your future plans might in-clude a wedding or college education for yourself or your children.

And remember, the mortgage is not the only expense you need to consider. Homeownership comes with other potential budget items such as repairs, maintenance, taxes, landscaping, etc.

Once you fully understand your current situation, your future plans, and the big picture in terms of homeownership, it’s important to look at the pros and cons of homeownership to make the best decision for you and your family.

Why Own?

There are many great reasons to consider owning a home:

• You’ll have a place that is yours! You’ll own it, have a place to raise your children and become a part of your community. You can pass your home down to your children, and their children, creating security for generations to come.

• You may pay less to own a home than you would to rent – and it’s yours at the end!

Homeownership can reduce the federal in-come taxes you pay. You can deduct the interest on your home mortgage and property taxes you pay on your home on the tax returns you file each year. These tax savings partially reduce, or offset somewhat, the actual cost of owning your home.

• Your monthly payments won’t ever go up if you choose a fixed-rate mortgage!

If you choose a mortgage with a fixed-interest rate (one that stays the same for the life of the

There are many benefits to home ownership but many things to consider before taking that step.

Owning a home: Benefits, Risks and Myths

SEE OWNING ON PAGE 33


OWNING FROM PAGE 32

We can help you find your next rental home

How you can reach us:Tel: (919) 684-6711Email: [email protected]: 200 Crowell Hall,East CampusHours: Monday-Friday. 8 am-5pmStaff available by appointment

Rental housing database u Roommate database u Community informationHousing survey reports u Staff assistance u Listing service u Renter’s guide

loan, say 30 years), you’ll pay the same mortgage payment each month for the entire 30 years of the loan (if your taxes go up, your escrow will go up – increasing your monthly payment).

• You’ll build a good nest egg! Owning a home and building equity is the single greatest source of financial security and independence for the major-ity of people who’ve taken this step.

What Are the Risks?

Overall, homeownership is a good investment for most people, but there are risks. If you understand the benefits and risks of homeownership, you can make the best decision about when to buy a home.

So what are the risks of homeownership? • Monthly housing expenses can increase. Your monthly mortgage payment may be larger than your rent. These higher monthly payments may be offset by a tax benefit at the end of the year. Talk to a tax professional to understand your particular situation.

• You become your own landlord. If an appli-ance breaks, you will have to pay for its repair or replacement. You are also responsible for the maintenance and upkeep of your home and your property.

• You may need to sell your house due to life circumstances. Depending on the local real estate market, you might not be able to sell your home quickly. You may also face additional expenses, such as hiring a real estate professional.

Myths About Homeownership

How lenders assess mortgage applications has changed a lot in the last 20 years. What closed the door to homeownership then may not be a factor today.

The following are some common homeownership myths:

Myth: You need great credit to become a hom-eowner.Fact: You may still be able to buy a home and you have less-than-perfect credit. And remember, you can improve your credit over time. But if you are buying a home and you have less-than-perfect credit, talk to a housing counselor who can help you avoid a mortgage you can’t afford.

Myth: You need to put 20% down to buy a home.Fact: There are many types of mortgage products and programs that allow low and no down pay-ments. But remember that your interest rate may be higher for a low or no down payment loan. Also, be sure to factor in other costs such as closing costs, property taxes, moving expenses, and repairs.

Myth: If you don’t have a bank account or credit cards, you can’t qualify for a mortgage.Fact: Having a bank account is always a good idea and helps you establish credit. However, lenders can approve you for a mortgage even if you don’t have a bank account or credit cards. You’ll likely need to keep records showing a history of pay-ments you’ve made for items such as rent, utilities, and car payments.

Myth: Lenders share your personal financial in-formation with other companies.Fact: By law, banks and other financial institu-

tions are restricted in their uses and disclosures of information about you. In some situations, you may choose to restrict the disclosure of your infor-mation if you don’t want it to be shared. If you are unsure how your information will be used, don’t be afraid to ask – it’s your right to know.

Myth: If you’re late on your monthly mortgage payments, you’ll lose your house.Fact: If you have a financial hardship, like the death of your spouse or a medical emergency, and fall behind, it’s possible to keep your home and get back on track if you contact your lender early. Even

if it is not possible to keep your home, you can sell your home and possibly buy a less expensive one rather than face foreclosure.

Myth: You can’t get a mortgage if you’ve changed jobs several times in the last few years.Fact: Not true. You can change jobs several times and still get a loan to buy a home. Lenders under-stand that people change jobs. The important thing is to show that you’ve had a stable income.

Story courtesy of Freddie Mac®www.freddiemac.com


919-544-3755 • [email protected]

W oodland Creek has been planned and designed to provide convenience, affordability and a pleasant life style to the professional community of the Triangle Area. Amid tall trees on a gently rolling landscape, you’ll be able to enjoy your leisure hours relaxing by the pool, reading a book under a tree, or challenging a neighbor to a few sets of tennis. Take advantage of the theatre, art, dance or music just mere minutes away. You deserve the best and can have it all at Woodland Creek Townhomes and Apartments!

• convenient to Duke, RTP and I40

• rents starting at $650

• washer/dryer included

• water/sewer included

• great townhome floor plans

• state of the art fitness and business center

• clubhouse with big screen plasma and pool table.

5216 Penrith Drive, Durham NC 27713

� Nine-Foot Ceilings

� Trey Ceilings*

� Crown Molding

� Chair Rail Molding

� Fireplaces*

� Garden Tubs

� Ceramic Tile Entries

� Sunrooms*

� Wrap-Around Porch*

� Individually Monitored Intrusion Alarms

� Designer Clubhouse

� Spectacular Swimming Pool

� State-of-the-Art Fitness Center

� Executive Business Center

� Car Care Facility

� Clothes Care Center

� Tennis Courts

� Putting Green

� Garage/Storage Units Available

� Picnic Area with Grills

� Gated Community

(919)484-0963 • www.berkeleysouthpoint.com

* In Select Apartment Homes

1400 Laurel Springs Dr. Durham, NC


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ColonialApartments.com*All prices, amenities and specials are subject to change without notice. Potential resident must provide proof of employment for eligibility.

Some of Our Community Features*:

Just for You!

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july 1, 2009 issue (housing guide)

Documents

showcase home

private home site

durham chapel hill

home builders association

university tower

national dream home

true custom home builder

duke university