Tag Archive | buy a home

Free Home Buying Class for Northern VA Home Buyers

FREE Home buying Education Classes for first time home buyers in Northern Virginia!!!!!!!! 

Tues & Wed May 17th&18th 6-9pm
note: This is a 2 night class and you must attend both nights to receive a home ownership education/ VHDA certificate of completion required for some loans.

Location: 10629 Crestwood Dr Manassas VA 20109

Sponsored By Home Buyers Marketing II, Inc, McLean Mortgage & Secure Home Inspections

Come learn about the buying process from beginning to end. There will be a loan officer, a real estate agent, and a home inspector, on hand to give you valuable information and answer your questions on credit, loans, finance, and real estate contracts

If you are serious about buying a home in 2016 then this class is designed for you. Find out how to get preapproved to buy, how to make an offer, and what to expect in the closing process. This class meets VHDA, Sparc, Community, and many first time buyer program requirements.

Email Today to RSVP, leave name and phone number and number of guest. email 
djoneshomes@gmail.com   GreatDCMetroHomes.org

Advertisements

DMV Home Buying Loan Updates you need to know in 2016

Rules and Guidelines for Home Buying are always constantly changing.  Here are a few changes you need to know in 2016, DC, MD, and Northern VA Home buyers, buying with FHA, VA or Conv Loans 

FHA Loan Update                            20160415_084515

Has released new rules on how they will count deferred qualifying student loan payments, at the end of 2015 they tightened standards after a lot of complaints they have reduced levels. If you are a client that was previously denied a FHA mortgage due to deferred student loan debt, it may be time for you to reconnect with a lender to get re-pre qualified,

If you have a pq letter you may want to have your lender redo it – it may and can change your qualifying amount, this is for mostly deferred loans, reduces outstanding loan balance requirement from 2% to 1%, but can make a difference.

 

VA Loan Update

va

VA loan

There are new rules on how Veterans, Active Duty, and Govt Employees can have 2 (TWO) VA loans at one time, Call me for details this mostly only works well for relocating from a smaller house to a larger home for primary residence and preferably more than 50 miles away.  A lender would need to pull your current COE- Certificate of Eligibility and Debt to income ratio – to see what you would qualify to buy.

 

 

 

Conventional Loans Update housemoney

George Mason Mortgage and McLean Mortgage are two of the lenders now offering 3% Conventional loans guidelines (there are a few others)
First time buyers only or for those who have not purchased in 3 years,
Preferably no previous bankruptcy or foreclosure at all
No max income requirement like VHDA and Down Payment assistance loans for DC and MD
Minimum credit score 620
Must be primary home not for investment
No mortgage insurance, payment should be cheaper than fha
3% down, must be own funds can not be credited or gift.

The season will be busy this year so having a pre-qualification  and the a pre-approval will be vital for a successful home buying process in DC, MD, and VA.qualify

For more info on these programs and to start your pre-qualification process contact DeAndrea DeeDee Jones at djoneshomes@gmail.com or thru GreatDCMetroHomes.com.

Home Buyers Marketing II, Inc a DC, MD, VA Real Estate Brokerage Company.

 

 

How to build a fabulous treehouse

Summer DIY How to build a tree house

If you have children, no home is complete without a treehouse. Besides the fact that treehouses provide kids with hours of entertainment, they can also confer ancillary benefits that are hard to quantify. For starters, treehouses can improve property values by boosting curb appeal. When building any type of treehouse, keep the following tips in mind.

Location, Location, LocationScreenshot_2015-01-12-23-19-23-1

Before you head off to Home Depot and get all the necessary supplies, you need to spend some serious time storyboarding the build process. Pick a tree with low, sprawling branches such as an oak or a maple. Furthermore, consider issues like wind, shade and privacy before you start to nail up supports.

Choose Your Materials Wisely

A treehouse built with subpar materials will fall short in the longevity department and disappoint the kids. Pick out stout oak 4×4 posts for the structural elements and top them off with pressure-treated pine for the floors and railings. Use quality plywood for the interior walls and seal it to avoid rot.

Make Multi-Use Your Mantra

Treehouses that are simply shacks suspended above ground will quickly bore youngsters no matter how well-built they may be. Incorporate elements such as swings, rope ladders and even zip-lines to get more from your treehouse. As long as you’re putting in the effort, you might as well add all of the bells and whistles.

Bake Safety Into the Recipe

You don’t want the kids to get hurt when they’re frolicking among the branches. Make sure to bolt handles and permanent rails into the truck so that adolescents are less likely to slip and fall. If you want to go all out, add a few safety nets around the edges.

Heed Aesthetics When Designing

An unadorned treehouse quickly turns into an eyesore over time as it’s battered by the elements. Shingle the roof and paint the exterior walls so that they match your home. Kids will naturally gravitate towards a treehouse that looks appealing and your neighbors won’t complain about a shoddy structure in your weeping willow.

treehouseIt’s More Than a Treehouse

While many young kids will no doubt love a full-featured treehouse, it’s usually the improvement in home value that will appeal to adults.

If you decides to buy a home with a fabulous tree or a tree house already go to GreatDCMetrohomes.org to search. If you’re interested in learning more about homes for sale in your area go to GreatDCMetroHomes.org to search VA, DC, and MD areas.

Washington DC Open Doors Down Payment Assistance Program for District of Columbia

Do you like to Make or Save Money? Do you currently live in or plan to move to Washington D.C., District of Columbia?

If the answer is yes and you make under $123,395 you may 

be able to qualify for Home Buying Down Payment assistance.

This is basically like finding FREE Money !!!!! DC Open Doors

Down Payment Assistance Program (DPAL)  is your answer.

This program and funding is available to both first time home buyers and repeat home buyers.  DCHFA defines, “First time home buyer’ means you have not owned your primary residence for the last 3 years. If you currently own your primary residence, you can still apply for $0 Down. Your current home must be sold and settled prior to closing on your $0 Down home.

According to DCHFA, “They know your biggest obstacle to a home purchase can be the required minimum down payment so DC Open Doors offers down payment assistance loans (DPAL) that bridge the financial gap between the purchase price of your home and your first trust mortgage loan. If you qualify, you can obtain a DPAL for the full amount of your required minimum down payment, substantially reducing your upfront out-of-pocket expense! See the two examples below.”

Currently, DC Open Doors offers its DPAL at a 0% interest rate and it is non-amortizing so you are not required to make monthly payments on it. The loan is only repayable if you sell or refinance your home, or if you no longer occupy it as your primary residence.

Home Buyers Marketing II, Inc offers real estate brokerage Services in DC, MD and VA but is not affiliated with the DC Housing Finance Agency.  This program requires a Home Ownership education class contact me to register for a class djoneshomes@gmail.com.

For more info and to search homes contact DeAndrea Dee Dee Jones thru GreatDCMetroHomes.org

Have you Outgrown Your DC Metro Home

Here Are Five Easy Ways to Tell if It’s Time to Upgrade

Your home is your castle, your own little piece of the American dream. But lately, your little corner of the world has been feeling cramped and you find yourself eyeing those larger homes. Is it time to pull up stakes and move on from your starter home?    c785ff37dde2016be8a8a1c33962edab
Growing Family
If you’ve added to your family in recent years, you may have more bodies than bedrooms. A two-bedroom home may have been a great idea when it was just you and your spouse, but with two kids, you’re starting to have turf wars over the play area.

Overflowing With Stuff
From an overflowing toy chest to closets packed so tightly with shoes and coats you risk an avalanche every time you open the door, your home just doesn’t have the space to keep all your things. You may have even had to move some things off-site, spending money to rent storage space to keep that antique dresser your grandmother left you or the set of state spoons you carefully collected during your college years.

No Rest For The Weary
You’d love to spend an afternoon soaking in the tub, but before the warmth of the water can take you away, there’s a banging on the door of the only bathroom in the house and a chorus of “hurry up!” invading your quiet time. And the man cave you dreamed of? Those visions of a big screen television were shattered by the realization you needed somewhere for the kids to sleep.

No Room For Extras
When you first moved in, the two-car garage doubled as your woodworking shop. Now, the equipment has been sent to storage to make room for the family’s second car. You’d love to take up organic gardening, but your tiny yard barely has room for a grill and a lawn chair. You’d love to host your friends visiting from out of state, but there is hardly room for their luggage, much less them.

Changes In Career

You may have opted for a starter home when you first entered the market because you had a smaller income. Now, thanks to changes in careers or promotions at work, you can afford a home with greater square footage and room for your growing family that will provide the space you need for many years of happy memories.
Home prices across the country are starting to rise. Contact your trusted real estate agent today and take advantage of the opportunity to give your family the most space at the best price now.

DMV, DC, MD, VA, Climbing Real Estate Taxes

headed upA climbing market is great news to homeowners but keep in mind, with growing sales prices comes higher taxes.  Eager buyers and motivated sellers have jump started the market this year in the DMV areas DC, MD, and Northern VA.

Homeowners be prepared and take this as a warning your real estate taxes could be should be going up soon.   Data released Monday from MRIS show that greater inventory and modest prices have driven sales from Jan to April.  Areas like DC have a lack of inventory and is experiencing more bidding wars. With all of this comes more sales, more comps, more appreciation, higher prices, and then higher taxes….

The jump you see will depend on your location and how often taxes are assessed in your area but just note you may receive a notice in the mail..

Do not let it bother or worry you it is usually just a small jump in payment.

Home Buying 101 Bunch Free 2hr class

If you are serious about buying a home in 2015 then this class is designed for you. Stop dreaming of home buying and make it Reality. Free Brunch Included,

April 25th 10am-12noon  (2 hour class)

Location: 10629 Crestwood Dr Manassas VA 20109

Sponsored By Home Buyers Marketing II, Inc Dee Dee Jones and WestStar Mortgage Markita Woods

This is a condensed version of the home buyers education class everything you need to know in 2 hours plus Get pre qualified for a home loan on the spot bring your pay check stub.

Call, text, or email to RSVP, leave name and phone number and number of guest.

Must RSVP to Dee Dee Jones 703-five96-five884 call, text, or email djoneshomes@gmail.com

Stop Dreaming of Home Ownership!

First timeHome buyingMake Home ownership your reality! This is a one on one consultation to start you on your home buying process and to see which program and loan will work best for you. Please email,call, or text and leave Name , Number and email address for me to reach you. We will start with a phone consultation takes 20 minutes. Get Started today! email: djoneshomes@gmail.com or call 703-596-5884, I can help you buy in VA, MD and DC metro areas.

DeAndrea Jones
Principal Broker/Realtor MD DC/VA
Home Buyers Marketing II, Inc
GreatDCMetroHomes.com

March Free Home Buying Class for Northern VA Buyers

FREE Home buying Education Classes for first time home buyers in Northern Virginia!!!!!!!!

Tues & Wed night MARCH 3 & 4 6-9pm   

note: This is a 2 day class and you must attend both nights to receive a VHDA certicate of completion required for some loans. 

Location:

10629 Crestwood Dr Manassas VA 20109

Sponsored By Home Buyers Marketing II, Inc, McLean Mortgage, Heltzel Mortgage & Secure Home Inspections

Come learn about the buying process from beginning to end. There will be a loan officer, a real estate agent, and a home inspector, on hand to give you valuable information and answer your questions on credit, loans, finance, and real estate contracts

If you are serious about buying a home in 2015 then this class is designed for you. Find out how to get preapproved to buy, how to make an offer, and what to expect in the closing process. This class meets VHDA, Sparc, Community, and many first time buyer program requirements.

Call, text, or email TODAY to RSVP, leave name and phone number and number of guest.

Must RSVP to Dee Dee Jones 703-596-5884 call, text, or email djoneshomes@gmail.com