Monday, November 13, 2017 / by Brittini Martinez
Homeowners association rules can be what attracts someone to a new home ... or what drives them away. But if you're on the fence about whether you want to live in an area with an HOA and abide by the rules, it's worth investigating the particular neighborhood and finding out more.
The difference of opinion on homeowners associations, or HOAs, depends on several factors, including individual personalities and preferences and the quality of the particular HOA. Rules and dues vary but, in general, homeowners who live in an HOA must abide by its regulations and pay a monthly, quarterly or annual fee that pays for management and maintenance of the community.
Many homeowners prefer to live in an HOA for several reasons, including:
Community appearance: Homes within an HOA must meet the standards set by the association or face a fine, so you're less likely to see unkempt lawns, peeling paint or a garishly painted house. Some HOAs have ...
Monday, November 6, 2017 / by Brittini Martinez
Congratulations, you just ratified the contract on your future home! Now you are getting a call from your agent stating that you need to let them know the best day to have the home inspection within your deadline... WHAT??
Do I even NEED to be there? I have no clue what to look for!!
Not to fear.... we can help!
What is a home inspection?A home inspection is an objective visual examination of the physical structure and systems of a house, from the roof to the foundation.
What does a home inspection include?
The standard home inspector’s report will cover the condition of the home’s heating system; central air conditioning system (temperature permitting); interior plumbing and electrical systems; the roof, attic and visible insulation; walls, ceilings, floors, windows and doors; the foundation, basement and structural components.
The American Society of Home Inspectors (ASHI) publishes a Standards of Practice and Code of E ...
Monday, October 30, 2017 / by Brittini Martinez
You're in the process of purchasing your dream home and your realtor asks you if you have ordered your homeowner's insurance. "Wait a minute..." you think (or say). "I thought we did not ask for a homeowners insurance when we negotiated our contract?"
If this was (is) you when you purchased your home, you may have been confusing your home WARRANTY with your home INSURANCE. Your next thought or answer may have been that you don't think you need either. Read more below to not only understand the difference between the two but to also see how both can be a huge help to your home!
It is more and more common for people to be offered home warranty coverage when they buy a new home. Although both home warranties and home insurance can provide you with coverage when an emergency comes up, the two are very different.
Your home insurance policy is not a home warranty. Whether you are a first time home buyer, moving into your second or third home, a new condo or even you ...
Thursday, October 26, 2017 / by Brittini Martinez
DID YOU KNOW....
Virginia ranks at the top of the Haunted Places list from the National Register of Haunted Locations. Nearly 170 spooky sites claim paranormal happenings. Here are a few.
In addition to the haunted sites open to the public, several Virginia communities offer a variety of Halloween Events. Some activities are not for scaredy cats, so pick and choose according to your comfort level for paranormal intrigue.
Alexandria - Visitors to Gadsby's Tavern Museum have heard tales of mysterious events, such as the sightings of a beautiful young woman who died on the premises in 1816. Once, a tavern guest followed the apparition upstairs to a deserted bedroom where a hurricane lamp glowed. After summoning the manager, the two men found a lamp that burned when touched but contained a wick that appeared as if it had never been lit.
Alexandria - Enjoy Ghost Tours in Old Town Alexandria, which start at the ...
Thursday, October 19, 2017 / by Brittini Martinez
You’re buying a home and you need a mortgage. How do you choose the right lender—one that will offer not only the best deal, but also good customer service?
You’ll find no shortage of banks, online lenders, mortgage brokers and other players eager to take your loan application. Here are five tips for selecting the best mortgage lender out of the bunch.
Compare Offers and Lenders
Start getting familiar with various lenders and the deals they’re offering by browsing through mortgage rates. Lenders will “present price differently,” notes Robert Davis, an executive vice president at the American Bankers Association (ABA). “Some lower rates might include fees with it, so the annual percentage rate is different than what you might think.”
Also, understand that some lenders specialize. One might be a good choice if you’re financing a condo, while others might offer a better deal if you’re building your home from ...