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Find the perfect Garner real estate agent

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Top Garner real estate agents

Garner, NC has 4,464 real estate agents and HomeLight compares performance data on all of them to find you the absolute best. The top 3% of agents in Garner do 670 real estate transactions a year, while an average agent does 141. With expertise on your side, you’ll save significant time and money whether you’re a buyer, seller — or both!

"The process was so extremely quick from the time I reached out to HomeLight to the time we had real estate agents contacting us... I could not be happier with this process."

Mike L.

See how 20 of the top REALTORS® and real estate agents in Garner stack up

About Linda

Linda has been a licensed REALTOR® since 1998 and brings knowledge and professionalism to new levels. Her expertise in residential real estate coupled with her desire to make Buyers and Sellers truly informed and happy with their experience sets her apart from many other REALTORS®. Since making the Triangle her home, she has helped hundreds of families with their real estate needs. As a member of the Board of Directors of the Raleigh Regional Association of REALTORS® since 2005, the 2014 REALTOR® of the Year, and Past President, Linda stays involved in the real estate industry's inner network. Achieving beyond what is ordinary Linda and her team consistently rank among the top ten teams in the Triangle. She has been involved with the Women's Council of REALTORS® in several leadership roles and feel it helps her clients in knowing they have chosen a REALTOR® that demands as much of herself as they do. Linda also is involved at the national level and was a 2012 NAR Leadership Academy Graduate. Linda is proud of the quality, personal service her team provides and recognize that referrals are the backbone of their successful business. Linda's favorite hobby is running, and she finds that the time on the road clears her mind and allows her to focus on the goals ahead. Through her running efforts, she raises money for Juvenile Diabetes and various other charities. Full-time Broker Associate – Compass • Triangle Business Journal’s #1 Boutique Team • Triangle Business Journal’s #6 Team Overall • RealTrends #1 Medium Team in North Carolina • RealTrends #39 Medium Team in the United States • Hall of Fame 2007 • RE/MAX Lifetime Achievement 2010 • Top Producers Council • NCAR Community Service Award 2016 • Raleigh Regional Association of REALTORS® President 2011 • REALTOR® of the Year 2014 • Women’s Council of Realtors Past President and RVP • MSEd SUNY Brockport • Strategic Pricing Specialist (SPS) • Accredited Buyer Representative (ABR) • Certified Residential Specialist (CRS) • Certified Luxury Home Marketing Specialist (CLHMS) • Performance Management Network (WCR) • NAR Leadership Academy Graduate 2012 • Realtor Party/RPAC Golden R/President Circle • Federal Political Coordinator for Congress George Holding

Linda's reviews

"Linda is the best agent to work with. It was our first house and she helped guide through the proce..."

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Townhome Transactions
0
Single Family Home Transactions
210
Condo Transactions
41
Achievements
  • Sells Homes Fast 2020
  • Top Producer 2020
  • Top Producer 2019
  • Move Safe Certified 2020
NAR Certifications
REALTOR®
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Renee Hillman
eXp Realty
About Renee

I love what I do - it's in my blood :) I have consistently been a top producer since the moment I stepped into real estate. I am in the TOP 50 Brokers here locally (out of 13,000+) & TOP 1% of RE/MAX nationally until switching to eXp Realty in 2020. It is exciting to think little old me started this career full time at the age of 22 (I've actually been licensed since 1999!!!) & now to see what years of hard work has become! I've had the pleasure of being in Entrepreneur Magazine, a big TV debut on HGTV, Indy Weeks Best Realtor in Wake County, and more! I have lived in this area for almost 28 years - went to middle & high school in Apex, college at NC State (GO PACK!) where I graduated in 2000 with a degree in Business Management. I bought my first house in Apex, remodeled my next house in Cary, and have been a resident of Raleigh for a little over 13 years! Long and short, I know this area inside & out. And it doesn't just stop at homes – I love all the venues our area has to offer from museums to greenway systems to an excellent food scene. It isn't uncommon to find my family out and about locally trying something new. My husband & I welcomed our first child in the summer of 2015 and we are experiencing exciting new things every day! Although I like to think of myself as Superwoman, I can't do this all by myself! I do promise you that each client gets the individualized attention they deserve. Hillman Real Estate Group has a boutique type philosophy – we work hard to create an experience that is memorable for YOU. After all, this is your largest investment and needs to be handled accordingly. We take the time to interview each client & understand your desires and needs. Robin Lilley, Kayla Thompson, & Jonathan Edwards are our Buyer Specialists and are phenomenal at putting the puzzle pieces together. They provide first-class service, are great listeners, will always advocate for you, and are firm at exactly the right times. We also have a dedicated Client Care Specialist to make sure your experience is top-notch. She makes sure all the i's are dotted & t's are crossed. We run a tight ship to make sure we stay on track with all the important details to create a smooth closing for you. We believe in doing real estate smarter. Hillman Real Estate Group looks forward to hearing from you soon!

Condo Transactions
17
Single Family Home Transactions
120
Townhome Transactions
0
Achievements
  • Top Producer 2020
  • Top Producer 2019
  • Move Safe Certified 2020
NAR Certifications
REALTOR®
Ask a question
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Ginger Vereen Peters
B & B Realty Group LLC (Keller Williams Preferred Realty)
About Ginger

Ginger has been actively selling Real Estate in the Triangle area since 2010 and has helped over 1,000 families achieve their Real Estate Goals. Ginger's team is comprised of a group of skilled experts in their field, providing a ten ++ experience. Whether you goal is to buy or sell, we will help you find the perfect home to fit your needs or get your current home sold for the highest possible price the market will bear. Our team is devoted to providing an exceptional Client experience by focusing on your goals. For example, our listing department works specifically with our seller clients and provides services such as staging, professional photography, measurements, & marketing. We utilize the reach of Social Media platforms, marketing to our database, the community & beyond to get your home sold, faster, for more money, & with multiple offers! Our Buyer's Specialist's work with our buyer client's to find "the one," all while negotiating the best possible terms. About Ginger: Ginger is a native of Wake Forest, NC and a graduate of East Carolina University. She returned to Raleigh, NC after graduation to move closer to friends and family. Although young, Ginger’s Real Estate career has taken off in one of the worst economic times in history. An advantage Ginger has over her competitors is that she has a degree in Finance. This allows her to better serve her clients by not only knowing how to assist them on the purchasing side but also any additional questions they may have on Financing options. Residential Real Estate is her primary focus whether resale, new construction, investment property, or land to build your dream home. Ginger's team has a commitment to create a RAVING FAN in every client! Her team will go above and beyond to show you a remarkable Real Estate experience.

Ginger's reviews

"Ginger was an excellent realtor. She kept in us updated on everything promptly. She had a contract..."

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Single Family Home Transactions
190
Condo Transactions
30
Townhome Transactions
3
Achievements
  • Top Producer 2020
  • Top Producer 2019
  • Sells Homes Fast 2019
  • Move Safe Certified 2020
NAR Certifications
REALTOR®
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Dolly Helbert
Re/max United
About Dolly

Our team brings more than 40 years of real estate experience in the Triangle and surrounding areas together to provide you with an unparalleled level of service. Whether you are looking to rent, buy, or sell a home in the area, we are here to help and have the expertise to save you time and money. Dolly Helbert has been a REALTOR since 1987 in the Triangle area. Consistently one of the top producing teams in the RE/MAX United office, Dolly and her team bring a level of service to their clients that is unsurpassed in the industry. She attributes her success in today’s fiercely competitive marketplace to her unique team partnership concept. Unlike a traditional real estate agency, she has assembled a diverse staff of real estate support specialists and experts who deliver more services to clients and work at a higher level of proficiency. Dolly has 28 years of real estate experience in the Triangle real estate market helping buyers and sellers achieve their dreams. She has watched the area grow and change over the years. Dolly worked on site sales for a new neighborhood and has extensive experience helping buyers find their perfect home. Martha Lucas has been a REALTOR since 2007 with RE/MAX. Prior to her career in real estate, she was in banking for 10 years. Her well-rounded experience gives her the background and knowledge to help her clients navigate the real estate market successfully. Being a part of The Helbert Team at RE/MAX United gives Martha the opportunity to do what she does best – deliver exceptional service to her clients for all of their real estate needs. Bob Helbert is our newest team member, just starting in 2016. He is a graduate of George Mason University’s School of Law and brings a unique element of expertise to our team. Growing up locally, he has a vast knowledge of area neighborhoods and history. Working with buyers is his passion and with the full team behind him he is equipped to help buyers find their perfect home. Connie Kissel joined the team in 2015 and serves as our Inside Sales Agent. Her role is to manage incoming sales leads for the team. Connie has extensive sales experience in real estate, insurance, and retail. Her goal is to guide customers with their home search and introduce them to the right person on the Helbert Team to meet their real estate needs.

Dolly's reviews

"Dolly and her team were fantastic. We felt well advised, and heard. She was very attentive and qui..."

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Single Family Home Transactions
21
Townhome Transactions
0
Condo Transactions
6
Achievements
  • Sells Homes Fast 2019
  • Top Producer 2019
  • Move Safe Certified 2020
Ask a question
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Ruby Henderson
Keller Williams Realty
About Ruby

Ruby began her career as a social worker, helping the disadvantaged in our community for nearly 20 years. Her heart for people and her advocacy for those in transition led her to launch a career in real estate, working to get her clients’ homes sold quickly and profitably so they could move into their next phase of life. Now, with 18 years of real estate experience, and a strong professional team behind her, Ruby is a Top Triangle Agent with a loyal and growing client base. Whether her clients are buying or selling a home, Ruby still has a heart for people in transition, and she still carries with her the tireless work ethic that has earned her team the reputation of the hardest working group around.

Ruby's reviews

"Excellent very professional"

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Townhome Transactions
0
Single Family Home Transactions
110
Condo Transactions
21
Achievements
  • Top Producer 2020
  • Top Producer 2019
  • Move Safe Certified 2020
NAR Certifications
REALTOR®
Ask a question
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Mike Montpetit, Broker/Owner/Founder
Town & Country Realty Inc.
About Mike

We provide clients with the highest level of service to match lifestyles with properties and "Bring Home Results." *Our listings sell 19% faster than most homes in Cary, Morrisville, and Apex! *Our Buyers overwhelmingly review our service as "Excellent!" *$500 of free home staging services provided to our sellers. When you are buying or selling property in today's real estate market, it's important to have confidence in your real estate professional. Our commitment as your local REALTOR is to provide you with the specialized real estate service you deserve. There is no substitute for experience...simply no substitute! When an agent is a trusted advisor to over 1,800 families and faithful in the little things, you can trust them for the big ones too. It should be important to you who calls back quickly, and who shows up on time. Think about it. 79% of our business is generated from referrals and past clients. We have proven systems to ensure that we protect our clients. When you are an informed buyer or seller, you'll make the best decisions for the most important purchase or sale in your lifetime. That's why our goal is to keep you informed on trends in the marketplace using the latest statistics in your local area. With property values continuing to rise, real estate is a sound investment for now and for the future. As a local area expert with knowledge of the communities, our objective is to work diligently to assist you in meeting your real estate goals.

Mike's reviews

"Mike and Sue have helped us complete several real estate transactions over the past 10 years. They a..."

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Townhome Transactions
0
Single Family Home Transactions
47
Condo Transactions
34
Achievements
  • Top Producer 2020
  • Top Producer 2019
  • Move Safe Certified 2020
NAR Certifications
REALTOR®
Ask a question
View profile
Christina Valkanoff
Christina Valkanoff Realty Group
About Christina

Christina is a real estate agent with Christina Valkanoff Realty Group in Raleigh, North Carolina and has been in the real estate business for 15 years. Christina's coverage area includes Raleigh, Cary, Wake Forest, Fuquay-Varina, Apex and Holly Springs. HomeLight ranks Christina as one of the top 1% of agents in Raleigh/Cary for successfully selling homes and as one of the top 5% of agents who sell homes fast. She is also ranked in the Top 25 Agents in the Triangle by the Triangle Business Journal - Book of Lists. Our database shows that Christina has completed over 800 transactions since 2009, representing the buyer in 55% of those transactions and the seller in 45% of them. Christina and her team take a fresh and professional approach to selling real estate! Awards: 2018 & 2019 Best Realtor in the Triangle - Midtown Magazine Best of the Best (B.O.B.) Awards “2017 Best Realtor” - Cary Living Magazine 2017 Best Realtor for Wake County - Indy Weekly Magazine Ranked Top Raleigh Real Estate Agents on Social Media - PropertySpark Ranked #25 for Residential Real Estate Teams - Triangle Business Journal "Top 30 under 30" in the Country - Realtor Magazine Featured on HGTV Top 20 Teams in North Carolina

Christina's reviews

"Very professional experience"

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Townhome Transactions
0
Single Family Home Transactions
82
Condo Transactions
21
Achievements
  • Top Producer 2020
  • Top Negotiator 2020
  • Top Producer 2019
  • Move Safe Certified 2020
NAR Certifications
REALTOR®
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Thomas Wohl
EXP Realty
About Thomas

Living in the Triangle for over 30 years now, I'm excited to show my clients all the things I love about this area and why I've chosen this as my home away from home! Originally from Europe, my youth was well rounded with school, athletics, and extra-curricular activities. My father, a professional hockey player who later became an executive master chef, instilled in me a strong sense of community and dedication to the things I enjoy. As a young man, it was basketball. I played semi-professional basketball in Hungary and was later recruited by the famous Jim Valvano (Jimmy V.) at North Carolina State University - which brought me to this beautiful state! When my coach passed from cancer and my basketball career ended, I began to focus on academics and my local community. That path led me to the real estate profession and a fulfilling career that has spanned more than two decades. Today, I enjoy all things real estate, traveling, photography, and even basketball! I coach a basketball team with the Special Olympics, as well as assisting in coaching local middle school students and other youth programs. When I'm not spending time with my lovely wife and playful dog at home, I'm enjoying my adventures with clients who've become family to me. The world of real estate has opened my eyes to all great possibilities Raleigh and beyond offer. The culture, education, nature, sports, and locals provide an amazing sense of community - one I'm happy to introduce to anyone interested in learning more!

Thomas's reviews

"Thomas is a true professional! With his construction background and eye for detail, Thomas has been ..."

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Condo Transactions
14
Townhome Transactions
4
Single Family Home Transactions
50
Achievements
  • Top Producer 2020
  • Sells Homes Fast 2019
  • Top Producer 2019
  • Move Safe Certified 2020
NAR Certifications
REALTOR®
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Ashley Wilson DeWeese
Keller Williams Preferred
About Ashley

Ashley Wilson might have found her way into real estate without Michael Sandman's help, but the Raleigh real estate attorney not only pointed the way for the 23-year-old summer office temp, he handed Wilson $400 and told her to get herself a real estate license. I had no thoughts that I was helping launch a rocket to the moon, quipped Sandman, who had hired Wilson when she was in college to help him and his wife Lisa with their children. We were struck with the immediate connection she was able to make with us, our boys and friends and family, he explained. Her personality is magnetic though it's hard to put your finger on any one personal quality that makes Ashley so easy to connect with. But Sandman emphasized that the phenomenal success of the 31-year-old Concord native came as no surprise to him and Lisa. Ashley was destined for success in every career she chose. Everything she accomplished she earned through smarts, determination, continuous self improvement, honest dealings and warm personality. And those attributes have paid off. In her first job at Raleigh's Athens Woods new-home community where only 18 houses had been sold during the previous two years Wilson sold 16 houses in four months. Then, during the next four years at Heritage, she sold around 270 new homes with a sales volume of about $92.6 million. So in 2008, it wasn't surprising that the 27-year-old Realtor was selected out of 400 applicants nationally to be in 30 Under 30, a group of the 30 Realtors under age 30 in the Nation whose achievements were outstanding. But that was only the beginning. After a brief tenure at Coldwell Banker Howard Perry and Walston, the young Realtor moved to Keller Williams Realty and started the Wilson Realty Group NC, a company comprising a listing manager, closing coordinator, internet lead manager, and two buyer specialists in addition to Wilson, the broker-owner. But real estate was never considered when Wilson attended Meredith College on a full academic scholarship. I always thought I would be a teacher, explained the former high school cheerleader, yearbook editor and member of the National Honor Society who made the Dean's List every semester. Actually, teaching runs in her family her mother has taught second grade for many years and her sister is a former math teacher. In fact, after graduating magna cum laude, Wilson did teach sixth grade for two years in a Chapel Hill middle school. But the summer job in Sandman's office changed everything. "Michael inspired me to take the real estate class," Wilson recalled, noting the market was hot at the time. She explained that working for the attorney was her first job outside of babysitting and teaching and "it really piqued my interest, I began seeing myself as the next big Realtor in Raleigh." She could have been clairvoyant. Since moving to Keller Williams May 2009 and becoming a general broker, Wilson reports a 380 percent increase in 2009 and 150% increase in 2010 in Wilson Realty Group's production during a period when the market was down. "When the market was artificially hot, it was easy to make money in spite of mistakes people were making in their businesses," she explained. "In today's market, it is vital that you know the right things to do and how to do them to be highly successful the business doesn't come find you; you have to go find it." For guidance, Wilson credits Keller Williams and her business coach, Ron Patulski, MAPS coach and owner of PerformanceU. "Not only have I grown professionally since beginning my coaching with Ron," Wilson explains, "I have grown personally as well. Ron challenges me to be uncomfortable- I know I am growing when I am uncomfortable. Just when I think I have it- I am uncomfortable again!" Previous coaches call Wilson a coach's dream "She is talented, driven, charismatic and, most importantly, coachable." In the eight short months they have worked together her production is more than nine times larger than it was before she joined Keller Williams and it's still growing. "Keep your eyes on Ashley," he told me. She will soon be among the top producers in this region. Sure enough- now Wilson Realty Group NC is reaching the top! Wilson Realty Group NC ranked number 10 in the Region in 2010, and currently ranks number 2 in North and South Carolina! Despite her workload, Wilson does find time to enjoy the beach, exercise and travel. She also devotes considerable time to the charity she co-founded with her friend Jenn Nowalk, a Realtor at Coldwell Banker Howard Perry and Walston. The nonprofit Triangle Spokes Group (TSG) raises funds all year to buy the new bicycles it distributes to needy children in the Triangle at Christmas. Wilson got the idea from The Spokes Group in Charlotte, run by her brother-in-law, Will Beard, and his father, Andy. "Children have my heart", Wilson explains. "I had a guilt feeling when I quit teaching for financial reasons, because it's hard to walk away from children." She wanted an outlet to give back to the kids. Since its inception in 2007, TSG has donated 1050 bikes. "Ashley is like no one else you've ever met," Nowalk says. "She is full of passion for real estate and life with strong drive and determination, anything is possible if she puts her mind to it." Wilson's father knew that from the time his daughter was born. "Ashley has always been very determined", said Keith Wilson, a Concord remodeler and builder. "She jumped out of her crib when she was 8 months old." Emphasizing his daughter has always accomplished what she set out to do, he quipped, "If she told me she was going to the moon today, I would start watching CNN."

Ashley's reviews

"The company staff did an excellent job of keeping us informed of the process. Our realtor was not f..."

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Townhome Transactions
0
Single Family Home Transactions
140
Condo Transactions
25
Achievements
  • Top Producer 2020
  • Top Producer 2019
  • Move Safe Certified 2020
NAR Certifications
REALTOR®
Ask a question
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Beth Hines
Re/max Southland Realty II
About Beth

As a Graduate with Honors From UNC-CHAPEL Hill- Beth Hines is No Stranger To Hard Work. She Has a PROVEN TRACK RECORD for SUCCESS. Beth Worked As a Registered Nurse For Many Years & After the Birth Of Her Children Decided to Focus Her Interests Toward Real Estate-At the Time for a More Flexible Schedule. With Her Tremendous Work Ethic & Desire to Please; She quickly became One of the Carolina's Top RE/MAX AGENTS. Beth Has Been Selling Real Estate w/ RE/MAX Full Time Since 1998. From 2005 until Present -She has been One of the TOP 10 Individual RE/MAX Agents in all of North Carolina Every Year. In 2014-Beth Earned #2 Individual Agent for North Carolina and #1 for Closing Most Transactions. In 2015 Beth Was Awarded #1 Re/Max Agent for All of North Carolina!! Being Inducted into the RE/MAX Hall oF FAME and Receiving RE/MAX's Prestigious LIFETIME ACHIEVEMENT AWARDS are just a couple of Beth's Accomplishments. In 2016, Beth Decided that a Team Effort was needed to provide the best possible customer service and Care that Every Client Deserves. In 2017 & 2018, The Beth Hines Team was ranked among the Top RE/MAX Teams in the Carolinas finishing #3 RE/MAX TEAM in NC for the year. In 2019, The Beth Hines Team was awarded #1 RE/MAX Team in NC for Most Closed Transactions!! For 2020, The Beth Hines Team is still ranked #1 RE/MAX Team in Eastern NC. The Beth Hines Team has over 100 Years of Combined Experience. We Specialize in Residential Resales, New Construction, Land and Farm, Equestrian Properties (Beth's Favorite), Foreclosures, Investments, Commercial, Luxury Homes, & More~ Call The Beth Hines Team If you are Considering Buying, Selling, Building, or Investing in Real Estate in the Near Future!! Beth is always working to learn new technology and marketing techniques to get her homes sold quickly. Service Areas: Johnston, Wayne, & Wake County.

Beth's reviews

"She was too busy we felt to actually devote enough time to us. It was frustrating. We would often ge..."

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Single Family Home Transactions
240
Townhome Transactions
0
Condo Transactions
1
Achievements
  • Top Producer 2020
  • Sells Homes Fast 2020
  • Top Negotiator 2020
  • Top Producer 2019
  • Sells Homes Fast 2019
  • Top Negotiator 2019
NAR Certifications
REALTOR®
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Find your perfect real estate agent in Garner

Why you need a top real estate agent in Garner, NC

There are 4,464 real estate agents in Garner, NC right now. Properties are listed for 76 days on average. The difference in time spent on the market in Garner, NC for top agents is 1.9x less than the time an average agent spends on a given housing transaction.

Top Seller's Agents

In contrast with the average Garner real estate agent, the top seller's agents sell 300.06 more homes, close deals 36.92 days faster, and earn sellers an extra 4.4% on each home sale.

Sale Price / List Price (%)

Days on Market
Lower is better

Homes Sold / Yr


Top Buyer's Agents

Top Garner buyer’s agents help 1.8x more buyers than average agents, and save their buyers 63.1% more money.

Condos Sold / Yr

Homes Purchased / Yr

Sale Price / List Price (%)
Lower is better

Ratings and reviews of top real estate agents in Garner, NC

Top Agents
4.9 stars
Avg. Agents
4.4 stars

Top real estate agents in Garner score an average rating of 4.9 out of 5 stars, compared to the typical Garner agent who scores only 4.4 stars. We collect the latest ratings and reviews of top real estate agents in Garner and update them here to show you what their past clients have to say.

"I would have to say that HomeLight really helped me in regards to finding a great Realtor to get my home sold. I would definitely recommend this service to anyone, and was able to get my house sold in less than two months! "

Amanda S.

HomeLight Client

"My experience with Homelight was very professional... I would give HomeLight five stars for excellence. I will refer anyone looking for a real estate agent to HomeLight."

Sarah T.

HomeLight Client

"The service was extremely easy to use and after answering a few questions HomeLight promptly sent me information on three area agents... We could not have been more pleased with the service we received from HomeLight and the agent we selected. "

Timothy A Jones.

HomeLight Client

Find the perfect agent or REALTOR® for your favorite Garner neighborhood

Based on the available transaction data for homes bought and sold in Garner, top agents are frequently doing deals in Adams Point, Summerwind Plantation, and Turner Farms East.

Adams Point

Active Agents209
Time on Market120
Avg. Sale Price$301,002

Summerwind Plantation

Active Agents127
Time on Market136
Avg. Sale Price$200,755

Turner Farms East

Active Agents112
Time on Market156
Avg. Sale Price$261,895

Find top real estate agents in cities near Garner, NC

Chapel Hill

Active Agents1,258
Time on Market64
Avg. Sale Price$396,000

Raleigh

Active Agents5,583
Time on Market55
Avg. Sale Price$274,500

Cary

Active Agents4,698
Time on Market67
Avg. Sale Price$397,232

Clayton

Active Agents2,508
Time on Market77
Avg. Sale Price$245,000

Wake Forest

Active Agents2,803
Time on Market86
Avg. Sale Price$334,748

Durham

Active Agents4,615
Time on Market57
Avg. Sale Price$270,000

Holly Springs

Active Agents2,229
Time on Market76
Avg. Sale Price$374,000

Apex

Active Agents2,466
Time on Market95
Avg. Sale Price$375,000

Fuquay-Varina

Active Agents3,150
Time on Market74
Avg. Sale Price$305,000

Frequently Asked Questions

How is my mortgage rate determined?
Mortgage rates are a pretty complex business with many different factors influencing the rate you’re offered on a given day. Some of these factors are outside your control, like economic data and market forces. Other factors that lenders look at are based on your financial history and the details of your home purchase, including:
  • Your income and credit profile
  • Down payment amount and cash reserves
  • Any other assets
  • Property location and type
  • Loan type
  • Type of interest
Read more
What’s the difference between fixed-rate and adjustable-rate?
A fixed-rate mortgage means your rate and mortgage payment will remain the same throughout the life of the loan (though your taxes and insurance can go up over time). With an adjustable rate mortgage, you start out with a lower introductory rate for a period of time and after that period ends, your rate adjusts with the market periodically.
Read more
How do I evaluate lenders and choose the right one?
If you’re looking to save money on your mortgage, it’s important (and easy!) to do some comparative rate shopping. Getting five quotes can knock an average of 0.166% off your rate, and it only takes a few minutes. Here’s how to do it: Reach out to five prospective lenders and make sure to have the following information on hand: the home’s purchase price, your down payment amount, and your estimated credit score. Pro tip: Make sure to request a closing cost breakdown so you can see what kind of lender fees each company charges. Lender fees are one of the biggest ways buyers are surprised by higher mortgage costs than they prepare for. Once you’ve got your lender quotes, it’s time to crunch some numbers and compare:
  • Rates
  • Lender-specific fees (examples: origination fee, application fee, credit report fee, broker fee, rate lock fee, points)
  • APR
These three pieces of information should give you good context for comparing lenders. Though keep in mind, rate isn’t the whole story. Your lender should meet your other needs too. Are they communicative and do they get back to you quickly? Do they have a strong presence in your local market? Perhaps they boast some of the fastest closing timelines in your area? Don’t be afraid to ask questions and feel out different communication styles before landing on a favorite.
Read more
How do I get the lowest rate? Is the lowest rate always best?
The lowest rates are typically reserved for the buyer with strong finances, a credit score of 740 or higher, and a down payment of at least 20%. Of course, most buyers don’t tick all those boxes. To get the lowest rate possible, improve your credit score, make a larger down payment, and keep your debt-to-income ratio low. And don’t skip shopping around for rates! But what if you’re nowhere near a 20% down payment, or your credit score isn’t quite where you’d like it to be? Talk to a lender. You might be more ready to buy a home than you think. Sometimes waiting to improve your situation so you can score a lower rate isn’t worth it, especially when home prices are escalating faster than what most buyers can save. Plus, low rates aren’t guaranteed — market forces could send them climbing at any time.
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Should I look at APR or rate? What’s the difference?
APR is the total cost of financing your home. It’s your base mortgage rate plus any lender fees and finance charges on your loan. Because APR factors in lender fees, it’s typically a better, more all-inclusive indicator of your loan costs than looking at rate alone.
Read more
Why does a 15-year fixed mortgage have a lower rate than a 30-year?
APR stands for annual percentage rate. With a 15-year loan, you’re only paying interest for 15 years instead of 30, so you’ll enjoy a lower rate and pay significantly less interest over time. That said, your monthly payments will be much higher with a 15-year loan, because you’re paying off that balance in a much shorter time frame. Most buyers opt for a 30-year fixed loan so their monthly payments are more affordable.
Read more
What’s the deal with points and credits?
Points allow you to “buy down” your mortgage rate by prepaying some of your interest. Usually, one discount point costs 1% of the loan amount and lowers your interest rate by 0.25%. Some lenders also offer credits, where you can pay a higher rate in exchange for cash to cover some of your closing costs. Credits are considered negative points, and a 0.25% increase in rate will usually give you 1% of your loan amount in cash to offset closing costs.
Read more
What mortgage terms do I need to know?
  • Mortgage rate: Your mortgage rate is the interest you pay on your home loan.
  • APR: Your APR is the interest you pay on your home loan plus lender and financing fees, all rolled into one all-inclusive rate.
  • Fixed-rate mortgage: A fixed-rate mortgage has the same mortgage rate over the entire loan term and the payment amount never changes (except taxes and insurance can go up over time).
  • Adjustable-rate mortgage: An adjustable-rate mortgage features a lower introductory rate for a period of time, followed by periodic market rate adjustments.
  • Monthly payment: Your monthly mortgage payment is the amount you pay each month for your home loan, typically including principal, interest, taxes, and insurance.
  • Principal: Principal is the initial loan amount.
  • Interest: Interest is what the lender charges you to borrow money.
  • Points: Points allow you to lower your mortgage rate by paying the lender some interest upfront.
  • Closing costs: Closing costs are the fees you pay to close on your new home. They include lender fees and other third-party fees like property taxes, title insurance, and escrow.
  • Rate lock: Most lenders offer the opportunity to lock in your rate for period of time — typically between 30 and 90 days — while you close on your new home.
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