S.M. Realty, LLC

S.M. Realty, LLC Real estate agent serving the Virginia and Washington, DC areas

Real estate agent serving the Northern Virginia area.

S.M Realty has expanded into Washington, D.C.!
04/05/2019

S.M Realty has expanded into Washington, D.C.!

Get ready for more daylight!  Don't forget to change your clocks!!
03/09/2019

Get ready for more daylight! Don't forget to change your clocks!!

NOW IS YOUR TIME! Make 2019 your best year ever in a new home!  Check out Why This Year Is a Great Time to Buy or Sell. ...
03/07/2019
2019 Will Be a Great Year for Buyers AND Sellers

NOW IS YOUR TIME! Make 2019 your best year ever in a new home! Check out Why This Year Is a Great Time to Buy or Sell. Contact me today for your real estate needs!

Many homeowners believe that rising interest rates and home prices have scared away buyers and therefore have not listed their houses for sale. However, the truth is that buyers who were unable to find a home last year are out in force, and there are even more coming!

Happy Valentine’s Day! May today and everyday be filled with love ❣️
02/14/2019

Happy Valentine’s Day! May today and everyday be filled with love ❣️

01/01/2019
Whether you rent or own, home maintenance costs can add up quickly.  Check out this article on the most common mistakes ...
12/07/2018
Top 10 Most Expensive Mistakes You're Making on Your Home

Whether you rent or own, home maintenance costs can add up quickly. Check out this article on the most common mistakes you could be making in your home and how to reduce these costs.

Homes cost a lot of money to maintain. But are you spending extra money unnecessarily on the upkeep of your home?

All set for my holiday pop-bys...Hope my clients enjoy!
11/29/2018

All set for my holiday pop-bys...Hope my clients enjoy!

As the trick or treaters get ready to knock on your door for candy, check out this weeks article on helpful home safety ...
10/24/2018
Home Safety Reminders for Halloween

As the trick or treaters get ready to knock on your door for candy, check out this weeks article on helpful home safety tips and precautions.

Oh by the way....I'm never too busy for your referrals!
Contact me today for your real estate needs. 😊

Fall nights are in full swing and the harvest moon hangs low in the sky; there’s no doubt about it, Halloween is just around the corner.

Deciding to save first for retirement or even to buy a home, as opposed to paying down debt, can be a difficult and tric...
10/19/2018
Should You Pay Debt Before Saving? | Bankrate.com

Deciding to save first for retirement or even to buy a home, as opposed to paying down debt, can be a difficult and tricky decision. Check out the article below for helpful advice on whether it's better to pay debts first or save.

OH....by the way I'm never too busy for your referrals!
Contact me today for your real estate needs 😊

Compare and consider a few things to pick the best strategy for your situation.

Success and fulfillment are often misconstrued to be affiliated with a big house, a luxurious car, a high status career ...
10/05/2018
Creating a Successful and Fulfilling Career by Giving Back

Success and fulfillment are often misconstrued to be affiliated with a big house, a luxurious car, a high status career title or ranking, or money. The following article is a great read to finding one of the true keys to success and self-fulfillment:

Oh by the way...I'm never too busy for your referrals!

Contact me today for your real estate needs 😊

As an agent, your community is your profession. Give back with these tips.

As we transition into a new season, are you ready to transition into a new home?!  Contact me today to get on the road t...
09/22/2018

As we transition into a new season, are you ready to transition into a new home?! Contact me today to get on the road to homeownership!

09/11/2018

6 Financial Goals to Achieve In Your Lifetime

(TNS)—At the end of life, your final thoughts won’t be on bad financial decisions—but before you approach the hereafter, you’ll likely have more than a few regrets about poor money management.

Fiscal distress often results from a lack of long-term planning. Failing to save enough for retirement—a decades-long endeavor—is the biggest financial regret among American adults, according to a Bankrate survey, followed closely by not having an adequately-funded emergency savings account.

Much like your physical well-being, financial health requires both good habits and a bit of luck. By setting up financial goals and working hard to accomplish them, you can focus your energy on the more meaningful parts of your life.

1. Maintain a top-notch FICO score.
You’re going to need to borrow a large sum of money at some point in your life. Want to buy a house? A car? Chances are you’re going to need to go to the bank first. The more creditworthy you appear to a financial institution, the less interest you’ll end up paying.

Guarding a super prime score, generally around 740, should be an important financial goal. Most Americans fall short. The average FICO score hit an all-time high last year, reaching 700. You should aim higher—although don’t stress over trying to get a perfect mark of 850. Life’s too short.

How do you improve? Pay off all your credit card bills in full every month, on time. Use no more than 20 percent of your available credit and keep your oldest accounts going even if you don’t need them.

2. Have a six-month emergency fund.
Amassing six months’ worth of spending in a high-yield savings account is really hard. Depending on where you live and how much you earn, you’re looking at a stash of somewhere between $20,000 and $50,000. Only 39 percent of Americans would be able to pay for a $1,000 emergency with cash, according to a Bankrate survey. Wages have mostly stagnated since the Great Recession, and low interest rates are a headache for savers.

An emergency fund is a hedge against disaster. If you were laid off, it would let you take your time picking your next role. If you got sick or the roof caved in, you wouldn’t have to go into debt. If you’re starting from scratch, place any windfall you receive into a savings account. You can even name the account “break in case of emergency.”

3. Become a 401(k) millionaire.
How much you need in retirement savings depends on your current standard of living, but you may face some adjustments after calling it quits. Half of all households are at risk of spending their golden years with less spending power than they are used to, according to the Center for Retirement Research at Boston College.

The old rule of thumb suggests you need eight times your final income in retirement savings (there are more detailed measures you can use, or you can hire a financial planner). Still, retirement saving is relatively straightforward. Save 10 to 15 percent of your income, including a company match in your 401(k), and invest in low-cost diversified funds. One quick and easy way is to pick a target date fund that gets more conservative (i.e., more bonds) as you age.

4. Pay off your mortgage.
Even if you have a low mortgage rate—mortgage rates have been muted by historical standards since the onset of the housing crisis—owning your home outright is one of the most financially liberating steps you can take, and a sure way to save money.

Let’s say you put 10 percent down on a $262,500 home with a 30-year fixed rate mortgage at 3.88 percent. You’ll end up paying $164,000 in interest alone. Taking out a 15-year loan, instead, would save around $90,000.

Even if you stick with the average loan length, consider contributing extra to your monthly payment whenever possible, and join the 36 percent of mortgage-free homeowners.

5. Make a major purchase with cash.
Despite an improving jobs picture and stock markets ascending to new heights, Americans are struggling with savings and debt. The personal savings rate has dropped dramatically over the past few years, while the percentage of families with credit card debt jumped by nearly six percentage points to 43.9 from 2013 to 2016, according to the Federal Reserve. The average indebted household owes $5,700. With the Fed poised to raise interest rates multiple times in 2018, taking on debt is an ever more expensive proposition.

The next time you need to make a big purchase, like a family vacation or a new car, try to make it completely with cash; you’ll not only enjoy the thing you just bought, but you won’t face the anxiety that accompanies new debt. To ramp up your savings rate, automatically siphon a small percentage of your biweekly paycheck into an earmarked savings account. Saving automatically is the quickest way to build up your cache.

6. Pay off student loans.
Student loans afflict people of all ages. Nearly one in six Americans have student debt, with a median amount of $17,000. If you took on loans for post-grad studies, you owe $45,000. Meanwhile senior debt has quadrupled over the past 10 years, according to the Consumer Financial Protection Bureau.

If you’re already putting enough away for retirement—generally 10 percent of your pay, including any employer match—and have a fully-funded emergency fund, start working overtime to pay off your student debt. Put any raises, or your tax refund, to chip away at the mountain of debt.


By Taylor Tepper
©2018 Bankrate.com
Distributed by Tribune Content Agency, LLC

Oh by the way...I'm never too busy for your referrals!
Contact me today for your real estate needs! 😊

Are you currently renting or know someone who is?  The article below is a great read for anyone renting or thinking of b...
09/04/2018
Rent or Buy: Either Way You’re Paying A Mortgage!

Are you currently renting or know someone who is? The article below is a great read for anyone renting or thinking of buying.

Oh by the way...I'm never too busy for your referrals!
Contact me today for your real estate needs!

https://www.keepingcurrentmatters.com/2018/08/27/rent-or-buy-either-way-youre-paying-a-mortgage-2/

There are some people who have not purchased homes because they are uncomfortable taking on the obligation of a mortgage. Everyone should realize, however, that unless you are living with your parents rent-free, you are paying a mortgage – either yours or your landlord’s.

Are you currently renting or know someone who is? Check out the article below!Oh by the way I'm never too busy for your ...
08/30/2018

Are you currently renting or know someone who is? Check out the article below!

Oh by the way I'm never too busy for your referrals! Contact me today for your real estate needs!

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03/01/2018

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Have you ditched your New Year's resolutions??  Well it's never too late to restart and reach your goals! Check out this...
02/16/2018
How to Get Ahead in 2018

Have you ditched your New Year's resolutions?? Well it's never too late to restart and reach your goals! Check out this article to help get you back on track!

Oh, by the way, I'm never too busy for your referrals!!
If you're looking to buy, rent, or sell contact me TODAY!

http://rismedia.com/2018/02/11/how-get-ahead-ahead-2018/?utm_source=newsletter&utm_medium=email&utm_campaign=eNews

All it takes is commitment and practice. Begin with these five tips, courtesy of Buffini & Company.

S.M. Realty / Linton Hall Realtors
02/04/2018

S.M. Realty / Linton Hall Realtors

READY, SET, FILE:  TAX SEASON HAS BEGUN!!  It's that time of the year again...TAX SEASON!  Monday, January 29th marked t...
02/02/2018
Tax season begins today. Here's what you need to do

READY, SET, FILE: TAX SEASON HAS BEGUN!!

It's that time of the year again...TAX SEASON! Monday, January 29th marked the beginning of the nation's tax season, as the IRS successfully started to accept and process 2017 tax returns.

While this can be a dreaded and stressful time, this article should help you get organized to ensure you file on time!

Oh, by the way I'm never too busy for your referrals! 😊

https://www.cnbc.com/2018/01/29/tax-season-begins-heres-what-you-need-to-do.html

Early birds: You can start filing your 2017 taxes now. Here's where to start.

Now that the holiday season is over, you've likely already started receiving your dreaded credit card bills in the mail!...
01/19/2018
How Do You Pay Off All That Credit Card Debt?

Now that the holiday season is over, you've likely already started receiving your dreaded credit card bills in the mail! Whether it's from holiday spending or from prior cumulative purchases, the following article is a great read to tackle your credit card debt and help boost your credit score and decrease your debt to income ratio!!

Oh, by the way I'm never too busy for your referrals!! 😊

http://rismedia.com/2018/01/18/how-do-you-pay-all-that-credit-card-debt/#close

Your credit card could be keeping you from saving. Cut debt with these tips.

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01/10/2018

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01/05/2018

According to Chief Economist Matthew Gardener, mortgage interest rates will rise modestly in 2018 to an average of 4.4% for a conventional 30-year fixed rate mortgage. This is STILL remarkably LOW in comparison to historical averages!!

Are you or someone you know in the Northern Virginia area looking to buy a home? NOW IS THE TIME!!

Contact me today to take advantage of my buyer's advantage program! (571) 358-9909 or [email protected]

Oh by the way, I'm never too busy for your referrals.......

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01/03/2018

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01/03/2018

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05/17/2017

SPRING INTO THE HOUSING MARKET!!

Spring has sprung and summer is just around the corner, which means nice weather for fun in the sun. This also means the prime time to buy, sell, or rent your home! Seasonality plays a key role in the housing market. Home buying, selling, and even renting activities increase significantly during the spring and summer months of the year, and normally decline during the fall and winter. Research shows that the four highest home-selling months are May, June, July and August, and account for 40% of an average year’s total home-selling volume.

Have you recently considered or are considering buying, selling, or renting a home? Perhaps you may know someone who is in search of a realtor in the Northern Virginia area to assist them in the home buying, selling, or renting process. If so, please feel free to contact me!

I’m a licensed Virginia real estate agent with Linton Hall Realtors. For over 10 years, Linton Hall Realtors has provided professional real estate services to the Northern Virginia area and has established a tradition of excellence. In keeping with this tradition, personal service and dedication are my hallmarks! I aim to go above and beyond to meet my client’s real estate needs. I look forward to being your Northern Virginia realtor and appreciate your referrals!

Do you dream of owning your own home?!  Let VHDA's Down Payment Assistance Grant help make your dream a reality!Qualifie...
04/06/2016
VHDA’s Down Payment Assistance Grant - VHDA

Do you dream of owning your own home?! Let VHDA's Down Payment Assistance Grant help make your dream a reality!

Qualified first time home buyers may be able to get anywhere between 3%-3.5% in down payment assistance. This is grant money that never needs to be paid back and is on a first come, first serve basis!

To learn more about down payment assistance, visit vhda.com/downpayment or call 877-VHDA-123.

Contact me today to getting started on the road to homeownership!
(571) 358-9909 or [email protected]

VHDA’s Down Payment Assistance Grant

11/09/2014

Completed my first real estate transaction!! Hard work...determination...perseverance....patience...and God! This will be the first transaction of many many more to come!! Let S.M. Realty help you purchase/sell your home!

02/07/2014

5 Reasons to Buy a Home Now Instead of Spring

Based on prices, mortgage rates and soaring rents, there may have never been a better time in real estate history to purchase a home than right now. Here are five reasons purchasers should consider buying before the spring market arrives:

Supply Is Shrinking

With inventory declining in many regions, finding a home of your dreams may become more difficult going forward. There are buyers in more and more markets surprised that there is no longer a large assortment of houses to choose from. The best homes in the best locations sell first. Don’t miss the opportunity to get that ‘once-in-a-lifetime’ buy.

Price Increases Are on the Horizon

Prices are projected to appreciate by over 25% from now to 2018. First home buyers will probably pay more both in price and interest rate if they wait until the spring. Even if you are a move-up buyer, it will wind-up costing you more in net dollars as the home you will buy will appreciate at approximately the same rate as the house you are in now.

Owning a Home Helps Create Family Wealth

Whether you are rent or you own the home you are living in, you are paying a mortgage. Either you are paying your mortgage or your landlord’s. The Fed, in a recent study, revealed that the net worth of the average homeowner is 30 times greater than that of a renter.

Interest Rates Are Projected to Rise

The Mortgage Bankers Association, the National Association of Realtors, Freddie Mac and Fannie Mae have all projected that the 30-year mortgage interest rate will be over 5% by the this time next year. That is an increase of almost one full point over current rates.

Buy Low, Sell High

We would all agree that, when investing, we want to buy at the lowest price possible and hope to sell at the highest price. Housing can create family wealth as long as we follow this simple principle. Today, real estate is selling ‘low’ compared to where it will be next year. It’s time to buy.

http://www.keepingcurrentmatters.com/2014/02/04/5-reasons-to-buy-a-home-now-instead-of-spring-2/

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14091 Dave's Store Lane
Chantilly, VA
20155

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