11241 Alum Springs Rd, Culpeper, VA 22701
Real Estate professional services
We are a team of "Lifetime Top Producers" serving Prince William, Fairfax, Fauquier and Loudoun Counties who are Certified Distressed Properties Expert (CDPE.) We handle Short Sales, REO Bank sales & normal Resale’s- buying or selling.
11241 Alum Springs Rd, Culpeper, VA 22701
Gorgeous Town Home Coming Soon!
15935 Greymill Manor Dr, Haymarket, VA 20169, USA
Sought after Villages of Piedmont. $435,000
Call me to set up a viewing 703-380-0017. This will not last long!
Now Under Contract! Are you looking to sell? The market needs listings. Call me for a free market analysis.
Always get a home inspection!!!!
How Tech Helps You Buy or Sell a Home
With much of the country mostly staying home, it's not your typical spring home buying season.
You might think social distancing has made it difficult to meet with lenders, view properties and sign paperwork, but fortunately that's not the case.
In fact, prospective buyers and sellers continue to move forward with their housing needs and doing so with safety in mind.
While the process may look a little different, modern technology is making it possible and, in some ways, more convenient.
So how does it work?
Virtual Open Houses and Showings: Facebook Live, FaceTime and Zoom are all being used to show properties. And many listings include a prerecorded tour of the home.
3D Floor Plans and Interactive Walk-Throughs: Online tools make it easy to create interactive 3D walk-throughs and even allow for decor and furniture placement to give buyers a more lifelike feel of the space.
Electronic Signatures and Deed Filings: E-signing technology means there’s no need to meet in person to sign offers, contracts or any other paperwork needed in the process.
Desktop and Drive-By Appraisals: If sellers are hesitant to have an appraiser visit their property in person, desktop and drive-by appraisals are a good alternative. These use city data, prior appraisals and comparable sales information to assess a home’s value. Homeowners can video chat with the appraiser to show them the interior and exterior elements of the property.
The way we buy and sell homes may have changed for now, but it’s still an active and essential market. If you have any questions about making a move, please don’t hesitate to get in touch.
I can walk you through this list, just call me!
Some Highlights: If you’re thinking of buying a home, plan ahead and stay on the right track, starting with pre-approval. Being proactive about the homebuying process will help set you up for success in each step. Make sure to work with a trusted real estate professional along the way, to help gui...
Do you have questions about a forbearance & deferment of mortgage loan due to COVID-19?
Call me, I can help you navigate your options and see what is the best fit for you.
Another reason I am thankful to be a RE/MAX agent...
I couldn't imagine saying goodbye to my clients because I was laid off.
A Big Redfin Furlough, With Some Permanent Departures
Glenn Kelman On April 7, 2020
Forty-one percent of our wonderful agents are leaving Redfin this Friday, together with the wonderful coordinators, recruiters, renovators and others who support those agents. The great majority will go on furlough until September 1, with a transition bonus and health-care benefits through the summer. But we’re also asking some to leave for good, including new hires who hadn’t met a customer or completed their training before our offices closed a month ago
6981 Manahoac Pl, Gainesville, VA
How to Create Your Ideal Home Workspace
Working from home is one of the many challenges Americans are facing during the coronavirus outbreak. And while the arrangement may have its perks — like no commuting or office attire — it also has some serious setbacks.
The biggest one? That's finding the motivation to stay productive. With kids, pets and that comfortable bed calling your name, it can be hard for even the most diligent of workers to stay on task.
Are you struggling in your efforts to work from home? If so, these workspace tips can help:
Pick your area. Separate personal time and work time by designating a spot for your work. It could be a desk, a corner of the dining room table or even a surface in a cleared-out closet. Just make sure it's yours — and that your loved ones know it too.
Keep it tidy. Nothing can slow you down like disorganization. Set yourself up for success with the right folders, shelves and other tools you'll need to stay productive. You should also make an effort to clean up your space after signing off each day.
Make yourself comfortable. You might not have a cushy office chair, but do your best to add some comforts. Put a fluffy pillow or warm blanket on the dining room chair you're using, or grab a footstool from the living room so you can lean back during conference calls.
Add personal touches. You'll be spending a lot of time in that spot, so make sure you're happy there. Use photos or fresh flowers to personalize your space.
Are you looking for more ideas on turning your space into a work-from-home haven? Get in touch today.
Although current circumstances don't allow many of us to be with all of our friends and family to celebrate, I would like to wish you and your Family a Happy Easter. I hope that you are still able to enjoy the time with those that you live with. Stay safe and healthy!
Humans crave routine. We function best when our lives are in a regular rhythm. Waking at the same time, driving to work, shopping at the grocery store, and enjoying hobbies are examples of things we do that are part of our normal routines.
For many of us, COVID-19 has disrupted our routines in ways that were unthinkable just a few weeks ago. Being at home significantly more than we are used to is now the new norm we’re adapting to, and stay-at-home orders make it easy to think, "If I don’t need to get out of my PJs today, why should I?"
While it’s true that PJs feel comforting, control often feels better. Here is a daily checklist of things we all can do to take back some control in our lives during this time by establishing consistent daily routines:
1. Wake up around the same time every day.
2. Brush teeth in the morning and evening.
3. Wash face in the morning and evening.
4. Take medications.
5. Shower regularly.
6. Be good to loved ones and pets.
7. Move your body regularly.
8. Eat a vegetable every day.
9. Drink lots of water.
10. Talk to a friend on the phone.
11. Cross one item off your to-do list.
12. Say aloud one thing you are grateful for.
How Will Virginia’s Housing Market Fare in Another Recession?
Unlike today’s recession, which is being driven by a global health pandemic, the 2008 recession was one directly tied to the mortgage industry and housing market. Prices had reached levels that were not supported by economic fundamentals and many homeowners had gotten into subprime loans with zero down payments, zero interest, and balloon payments. In addition, as the 2008 downturn began, the supply of new housing had outpaced demand, creating an oversupply in some markets. A wave of foreclosures increased that supply imbalance.
In 2020, mortgage lending has become much more conservative with stricter debt-to-income ratios and elimination of no doc/low doc loans and other subprime practices. Inventories of existing homes and construction of new homes are still far below what is needed to meet demand. Therefore, current home prices reflect supply and demand fundamentals, and not a bubble in the market.
However, as a result of COVID-19 and the recession, home sales in Virginia (and across the country) will be very slow this spring. There are some local markets where the numbers of closed sales in March were higher than they were last year, but the most recent data on new listings and withdrawn listings make it clear that the pace of transactions activity will slow.
If the measures being taken to slow the spread of the COVID-19 are successful, and if the Federal economic stimulus measures are put into place efficiently and effectively, it is possible that the housing market will rebound strongly in the second half of 2020, with spring and summer sales being pushed into the fall.
YES! I can still help you with your Real Estate Needs from the safety of your own living rooms.
*Video Consults through Zoom
*E-signing though Dot Loop
*Detailed Home Inspection with No contact
*Low/No Contact Closings through Zoom
Just listed for rent.
From my lender yesterday...
First and foremost I hope this email finds you and your family well.
As you may know, rates have been on a roller coaster of late. The good news is the Fed announced early this week that they would buy an undetermined amount of mortgage backed securities which helped stabilize the fluctuation of rates on conventional financing. The Fed or Congress will also need to assist loan servicers as we anticipate a large volume of missed mortgage payments. Servicers are responsible for those payments, even though the funds will eventually be returned, a large amount of missed payments can cause severe financial stress.
There is talk in the industry that VA loans are also in peril with some banks offering rates on VA loans as high as 7%! That is bank’s way of saying not interested.
I wanted you to know that today our VA rates are SUPER LOW, so if you have a VA buyer you might want them to check with their lender to make sure they are still originating VA loans.
Happy to help any of your clients, so feel free to call or email me.
VP of Mortgage Lending
O: 703-382-1935 - C: (703) 282-0054
14091 Daves Store Lane Suite 101, Gainesville, VA 20155
NMLS ID: 453677
Loan Options - Mobile App - Guaranteed Rate Foundation - Gateless
David Black at Guaranteed Rate VA - Gainesville assists you with low cost home purchase and refinance mortgages, great service, and fast closings
JUST REDUCED 40k....
8219 ROXBOROUGH LOOP, GAINESVILLE, VA 20155
4 Beds | 6 Baths
New Price: $749,999
Welcome to this beautiful Renaissance home in gated golf community of Lake Manassas. Expansive floor plan, Stucco Exterior, elegant and open layout with over 7,000 finished square feet on three levels, grand two-story foyer with gorgeous curved staircase. Great for entertaining with elegant formal rooms & nice flow throughout main level. Large eat-in kitchen boasts stainless appliances, commercial grade cook top with hood vent, granite & huge Island, You will love the massive walk in pantry and storage space. Light filled two-story family room with fireplace opens to a very private Trex deck, fenced yard and patio below.Additional rear stairs lead to upper & lower levels, Huge main level office, Massive owner's suite features step-down bedroom, light filled sitting room with mountain views & luxury Bath with multiple walk-in closets and stunning sun rises through palladium windows. Finished walk-out level basement with kitchenette, full sized windows, large work-out room or unofficial bedroom next to full bath., Garage is double deep and fits multiple vehicles, In-ground Irrigation System to boot!
Let me know if you have interest in selling your home. We are still seeing a lack in inventory.
The global pandemic from COVID-19 is changing our everyday lives, including the future of the housing market. Here's what to expect in the next few months.
Your health and safety are important to me. That's why I'm reaching out to let you know that we're doing what we can to provide the best service possible during this time, and that means being here for you.
Taking care of yourself, your friends, and your family can help you cope with stress. Helping others cope with their stress can also make your community stronger.
Things you can do to support yourself:
***Take breaks from watching, reading, or listening to news stories, including social media. Hearing about the pandemic repeatedly can be upsetting.
***Take care of your body. Take deep breaths, stretch, or meditate. Try to eat healthy, well-balanced meals, exercise regularly, get plenty of sleep, and avoid alcohol and drugs.
***Make time to unwind. Try to do some other activities you enjoy.
***Connect with others. Talk with people you trust about your concerns and how you are feeling.
Please reach out with any questions that you may have, or if I can be helpful in any way.
We will get through this together.
Please reach out with any questions that you may have, or if I can be helpful in any way.
If you want to keep up to date on COVID-19, visit the CDC's website.
Coronavirus disease 2019 (COVID-19) is a virus (more specifically, a coronavirus) identified as the cause of an outbreak of respiratory illness first detected in Wuhan, China.
Well, they did it...Everything is closed for a month. Please stay well friends! We are in this together. Please reach out if you need anything at all.
Governor Ralph Northam, 73rd Governor of Virginia
In a recent study in the Journal of Real Estate Finance and Economics, researchers at the University of Alabama and the University of Texas at Arlington used deep learning and Google Street View to determine just how much curb appeal contributes to a home’s value.
The results show that homes with better curb appeal can see a value boost of 7% or more! As a real estate professionals we can provide key guidance on exactly what sellers can do to improve their curb appeal and attract more buyers!
10211 Magnolia Grove Dr. Manassas
($2100 per month /2470 sq ft)
Fully remodeled home! Walk in to a bright two story foyer & Lux VP floors. 4 bedrooms (1 on main level) and 3 on upper level, 3 full baths (1 on main level). Large rec room with lots of light. New flooring through out, new paint all new appliances and new granite. Coffee bar off kitchen and family room has gas fireplace and over look of foyer. Upper level has 2 baths and 3 bedrooms. Master has large windows and walk-in closet. Master bath was fully renovated with luxury vanity, tile flooring and large walk-in shower. Fenced back yard
Why Aren't Mortgage Interest Rates Lower? What To Expect In The Short Term...
Last Wednesday all of the banks added .75 to 1.25% to the rates to slow down the overwhelming influx of business. The market is really imbalanced right now. Here is insight about what is going on:
What’s happened over the last few weeks:
• There are 3 big ingredients in the mortgage world that everyone watches…interest rates, 10 year Treasury and the Mortgage-Backed Security (MBS) market….and the correlation between the three (or how the 3 interact with each other).
• For the first two months of 2020, the average daily origination volume was $3.9 billion for the industry…that average doubled to $7.8 billion in the first two weeks of March – a lot of pressure was being placed on business workflows and trust in the market
• It peaked on Tuesday March 10th at $13.1 billion – WOW!!
• During this time the 10 Year Treasury rallied from 1.16% to an ALL-TIME LOW of .36% - and indication that mortgage rates should be falling….and they did briefly - but have since adjusted upward.
• However…Lenders, Broker/Dealers and MBS investors found themselves with HUGE capacity constraints, being committed to a bunch of low-interest rate loans…that – as it turned out - nobody wanted to buy from them in the end….creating very little demand for the MBS market’s investments.
• All of a sudden.…liquidity (buying and selling) in the MBS market was not there and the interaction of the 3 ingredients we mentioned separated to levels unseen since the collapse of 2008.
• The market participants began trying to slow the flow of new business by increasing rates….looking for support in the MBS market. At a time when rates should have been lower, they are higher than expected.
In summary - at the first of March, things were as expected…but the market moved so fast, in an avalanche style, that market participants could not react timely….and over the last week or so the market isn’t behaving as expected. Rates remain elevated as investors and MBS traders digest all this.
Some things of which you should remind yourself and your clients:
• As you know, the reduction in the discount rate by the Fed does not mean mortgage rates have dropped. The two are not really related.
• This imbalance in the market shall pass – the Fed’s action to purchase $700 billion in the Treasury and MBS markets will – in time – restore investor’s trust in the market and “normal” market behavior will follow.
Some things you should know and expect:
• You should expect to see pricing continuing to be a roller-coaster (and often elevated). Investors and industry participants are really controlling volumes and workflows, due to capacity limitations. The market is still volatile and will continue to be over the short run.
• We have a huge level of loan volume to close in the next few weeks and many courthouses are restricting access….this could be a big challenge.
• Many clerk offices are only conducting business (recordation and title search) by electronic means.
• Not all settlement agents are able to accommodate an electronic method of doing business. Is your settlement agent electronic capable? Might be a good thing to know.
15100 Washington St
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