If you are shopping for a mortgage be aware of scrupulous loan officers. Shopping for a mortgage can be a very tricky and stressful situation without the right information and guidance from a professional Realtor to assist you in your search or offer a referral contact. When shopping for a mortgage always inquire about any hidden costs or fees that may be associated with the mortgage and charged to you at closing. According to an article by Mr. Kenneth R. Harney posted under the “The Nations Housing” article in the Washington Post on August 3, 2013, there is another issue you must protect yourself against. It’s called upselling, where the mortgage lender steers you into higher cost loan programs with terms that increase the lender’s profits and cost you more at closing. Although mortgage lenders used upselling during the housing boom years, they have been dormant until recently. Mortgage lenders usually charge discount points, loan origination, or other hidden fees to process your … [Read more...]
Victoria Falls Condominiums
Victoria Falls Condominiums at Central Parke is situated in the heart of a 55+ Active Adult Resort style community located off of Contee Road in Laurel, MD. Victoria Falls Condominiums were built in 2005 -2006 and include two distinct models which are the Kingston and the Dartmouth model. Although the Kingston model offers a little more in square footage than the Dartmouth, both are very spacious two bedroom residences, over-sized eat-in kitchens, some with dens, two full baths, an open floor plan and high ceilings. In addition, both models have master suites with a jacuzzi tub, balcony overlooking the courtyard, elevators and membership to the private Resort Club. The Resort Club is open to all Victoria Falls Condominiums residents and include a full state of the art Fitness Center, Indoor and Outdoor pool, Billiard Room, Great Hall for parties, Card Room,Tennis and Basketball courts and a walking/biking trail around the entire parameter of the community. The Resort Club provide … [Read more...]
Grocery Shopping Tips
Grocery shopping can be a cumbersome task when you are on a tight budget, but there are options even with limited funds in your wallet. Here are some tips that may help as you navigate the grocery store aisles: Make a list and only buy the items you have written down. This will save you both time and money. Don’t habitually buy expensive snacks. When you do splurge on pricey snacks, don’t put them in a convenient place. They’ll last longer if you keep them out of reach. Buy only as much produce and perishables as your family can eat within a reasonable period of time. When you throw out food, you’re throwing out money. Consider buying store brand products as compared to brand name, when the ingredients are the same. Store brand products can be less expensive. Buy in bulk on frequently used, nonperishable items, e.g., canned goods, paper products and toiletries especially when they are on sale. Look high and low. As you shop, look at the upper and lower shelves because … [Read more...]
Make Time for Family
When you make time for family, life is much more rewarding! What’s the point in working hard throughout life, if there is no one or family to enjoy your successes and accomplishments? My wife and I are always planning our daily lives around both of our families and grandkids. Over the last 30 years, we’ve made it a point to attend the annual Family Reunion events locally and out-of-town. Also, while living here at Victoria Falls, we have attended many family-oriented events coordinated by the Lifestyle Director and staff. Recently, we went to the “Grandparents Day” event with our five grandkids here at Victoria Falls. They loved the activities and the time spent with us and wanted to know when the next one was! Whatever the occasion, spending quality time with family makes life a blessing to behold! In today’s fast paced world, it’s so easy to lose sight of the small things that should really matter in life. Do you find yourself wishing you could spend more time with your family? If … [Read more...]
Cash Short Buyers
Mortgages News for cash short buyers..... Cash short buyers can look to the United States Department of Agriculture (USDA) - Rural Housing. The USDA – Rural Housing for 100% financing to purchase a home. This is a terrific program for cash short buyers to consider when buying a home....it is truly 100% financing. The #1 item to keep in mind is that the property does not have to be in a rural area at all in order to be eligible – the property does not have to be “way out in the country” somewhere. For instance, in Prince George’s County, most or all of the Marlton community is eligible…..also, parts of Brandywine and pockets of Accokeek. To see if a particular home is eligible for this program, click on the link below, and simply type in the full address of the property and, in a matter of seconds, it will tell you if the house is eligible or not. http://eligibility.sc.egov.usda.gov/eligibility/welcomeAction.do Sellers - if you have a home that is located in an area that might be … [Read more...]
What does Homeowners Insurance Cover?
What Does Homeowners Insurance Cover? You’d be surprised at what your homeowners insurance policy does not cover. The attached link wil provide insight into what does homeowners insurance cover....Facts you should know about homeowners insureance. Here’s what is and is not covered by your insurance. Read What does your homeowners insurance cover? The short answer is: “A basic homeowners insurance policy (called HO-1 in insurance lingo) covers your home and possessions if they’re damaged or destroyed by these things:Read more: http://www.houselogic.com/home-advice/disaster-insurance/what-does-homeowners-insurance-cover/#ixzz2ZQdo9Wd8 Visit houselogic.com for more articles like this. Copyright 2013 NATIONAL ASSOCIATION OF REALTORS® … [Read more...]
Home Equity Line of Credit (HELOC)
What to Do if Your Lender Cuts Off Your HELOC Read A home equity line of credit lets you borrow money as you need it can be a great way to pay for a remodeling project or an education — unless the lender cuts off your line in the middle of a home improvement or when your kid is only halfway through college. When a Lender Can Close Your Credit Line Although you may have paid hundreds of dollars in fees to open your home equity line, chances are the fine print says the bank doesn’t need your permission to freeze, reduce, or shut down your line if: Read more: http://www.houselogic.com/home-advice/equity-loans/home-equity-line-of-credit-shut-down/#ixzz2ZQWu4U3O Read more: http://www.houselogic.com/home-advice/equity-loans/home-equity-line-of-credit-shut-down/#ixzz2ZQTmEelM Visit houselogic.com for more articles like this. Copyright 2013 NATIONAL ASSOCIATION OF REALTORS® … [Read more...]
The Willows at Victoria Falls
With the upcoming occupancy of four rental buildings in August 2013, The Willows at Victoria Falls (a new luxury rental condominium project located in Victoria Falls at Central Parke in Laurel, MD), the homeowner residents are gearing up for the increase in traffic and shared use of the Club House facilities at the 55+ Resort Living Community. The residents of The Willows at Victoria Falls must follow the same condominium and Home Owner Association (HOA) guidelines, e.g., age restrictions. The new rental units were designed to look and feel like the current condo models with all the amenities, floor plans, space and the like. The Willows at Victoria Falls is situated in the heart of the Victoria Falls community, and is convenient to grocery shopping, restaurants, parks, walking trails, and tennis courts. The apartments feature spacious open floor plans, 9’ ceilings, large master bedroom suites, Kenmore kitchen appliances, double bowl stainless steel sink, 42” designer oak flat … [Read more...]
Mortgage News
Mortgage News you can use to help you purchase a home ! BB& T announced changes to Community Homeownership Incentive Program (CHIP) – The latest mortgage news updates this program that now requires a 3% down payment. Private mortgage insurance is waived. First-time home buyers and previous homeowners are eligible; however, income cannot exceed 80% of county median income. Wells Fargo Programs - Community Development Mortgage Program (CDMP) is 2% down payment (including gifts and funds from approved sources). No mortgage insurance required. Income must be below 80% of area median and borrower does not have to be a first-time buyer. Seller contributions up to 3%. Neighborhood Community Development Mortgage Program (NCDMP) require a 5% down payment (includes gifts and funds from approved sources). No mortgage insurance required. Borrower does not have to be a first-time buyer, but must purchase in a low-to-moderate income census tract. Reserves required … [Read more...]
Listing Agent’s Job
In addition, to advertising and marketing your property features to the world...... Your listing agent’s job is to work with cooperating agents (selling agent) to secure a purchase offer contract that will net the seller the highest return on their investment ……and one that will settle without delay. This means that from the onset your listing agent must do their due diligence in facilitating the purchase offer contract by ensuring receipt of a buyer’s pre-approval letter from the prospective lender upon receipt of the contract package. The listing agent should contact the buyer’s loan officer to determine if the buyer is qualified to purchase your home (before you sign the purchase offer contract), and if the buyer is solid financially to secure a final loan approval according to the terms in the contract. It’s the listing agent’s job to confirm receipt of a pre-approval letter from the buyer’s lender and any additional supporting documentation to verify the buyers’ ability to … [Read more...]
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