Tag Archive | homes for sale

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.

 

 

No Downpayment Loan from USDA Rural Housing Service 502 Direct Loan program

USDA and the Rural Housing Service (RHS) has available funds in its Section 502 Direct Loan Program that must be used by September 30, 2015 for buyers that want to live away from the city.  The Washington DC field office reported : “As of August 13, 2015, RHS has enough to fund approximately 2,500 additional home loans.”   

This is a loan for buyers in Non city areas- “rural areas” whose adjusted income does not exceed 80 percent of the area median. There is no down payment requirement and the interest rate are really low. Areas like Warren County, Culpeper,  Orange County, Page County, Rappahanock County, Front Royal and Linden, Virginia should  qualify for this program. Some parts of Fauquier County Catlett, Warrenton and Marshall may qualify. Rural parts of Maryland Counties may also qualify such as North Western Montgomery County, Brunswick to Middletown and Parts of Carroll County, MD.

This is a direct loan program that is different then the Guaranteed loan program. You must apply thru an RHS field office and not thru a mortgage lender for the Direct Loan.  Loan funds may be used to purchase existing homes, to build, repair, renovate or relocate a home, or to purchase and prepare sites, including providing water and sewage facilities.

Contact me if you are interested you have until the end of September 2015 to get started, Contact me and I can help you get started thru a Rural Housing field office lender and check to see if you meet the income criteria.  GreatDCMetroHomes.com

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.

Great News for Washington DC First time Home Buyers

Are you sick of commuting to DC? Are you a first time buyer ready to buy a home anywhere in Washington DC?    

               Washington dc metro area

Then this is Great news for you- Washington DC First Time Home Buyers according to DC Association of Realtors the First-time Homebuyer Tax Credit Amendment Act of 2014 has been approved.  This amendment witll reduce the recordation tax rate from 1.45% to 0.725% for first-time buyers in the District.  DC recording tax is currently higher than both VA & MD.  This reduces it significantly. You can use this credit anywhere in the city from Capital Hill, SE to NW, Foggy Bottom to Lincoln Heights to Colonial Heights to Glover Park, NE to SW. Now combined with low interest rate, local buying programs, down payment assistance programs- this is another reason to become a homeowner now!

 

dc homes first time buyers

To qualify, buyers must have never purchased a home in the District, and the property must be a primary owner-occupied residence.    Lets Get started you have no more excuses!

To get started with HomeOwnership in the DC Metro areas contact me thru GreatDCMetroHomes.com
POSTED BY

THE NORTHERN VA REAL ESTATE LADY!

Call me to buy a home in any Washington DC Metro area including Northern VA & Maryland,  areas including Fairfax, Prince William, Loudoun, Fauquier, Stafford Counties, Anne Arundel, Prine George’s, Charles, and Montgomery Counties.                                     

“I can dream alone, build alone and strive alone, but true        

success always requires the help and support of others.

Please send me your referrals.”remax agents northern va

 

Visit my website today,

 

Deandrea “Dee Dee” Jones

Broker/ Realtor  Washington DC/VA&MD

Home Buying Marketing II, Inc.

http://DJonesRealEstate.com

djoneshomes@gmail.com

download my mobile app http://87778.mobi/DEANDREA

or text DEANDREA to 87778

 

                                     Follow Me Online         

    hsr Home Scouting app Home Search

Northern VA MD DC Real Estate Investors Guide

If you are contemplating Real Estate Investing or wholesaling in the Northern VA, Washington DC or Maryland areas here is an investment guide on how to work with an investor friendly agent.  Click to view then contact me about getting started!

POSTED BY

DMVRealEstatechick.com   DJonesRealEstate.com  GreatDCMetroHomes.info

Military Families have just been punched in the face!

Military families have been punched in the face by our House of Representatives.  The House has passed a bill to be sent to the Senate that would approve a 5% reduction in BAH (Basic Allowance for Housing).  

According to a recent Pew Research Report, serving in the military was “practically a requirement for serving in Congress.” As recently as the early post-Vietnam era of the late 1970s, a combined 77-percent of the members in the House and Senate had prior military service. Today, however, only approximately 20-percent of our political representatives have military experience.  This means are politicians are out of touch with the needs of military families and veterans.

Other projected cuts include cuts to military commissaries (have they seen grocery store prices)….. Cuts to tuition assistance for active duty. Veterans in Congress

 According to Military by owner: They are out of touch because they are without having experienced moving cross-country every two to three years and the resulting financial hardships that come with said moves, most notably spousal employment, military families can easily discredit our representatives as being out of touch. 

If this is passed through the Senate Military families will be KO’d once again………………  

POSTED BY

THE NORTHERN VA REAL ESTATE LADY!

Call me to buy a home in any DC Metro area of Northern VA & Maryland,  areas including Fairfax, Prince William, Loudoun, Fauquier, and Stafford Counties.                                     

“I can dream alone, build alone and strive alone, but true        

success always requires the help and support of others.

Please send me your referrals.”remax agents northern va

 

Visit my website today,

The Northern VA Real Estate Lady!         

Deandrea “Dee Dee” Jones                                                          

Supervising Broker/ Realtor

Home Buying Marketing II, Inc.

VA & MD

http://DJonesRealEstate.com

 djoneshomes@gmail.com

 download my mobile app http://87778.mobi/DEANDREA

or text DEANDREA to 87778

 

                                      Follow Me Online         

     hsr Home Scouting app Home Search