New Homes in Loudoun County, Virginia, Buyer REBATE

SHORT SALE LISTINGS FOR HOMES FOR SALE IN STAFFORD COUNTY VIRGINIA  - REAL ESTATE OPPORTUNITIES FOR HOME BUYERS.

WHY CONSIDER SHORT SALE LISTINGS?  Because Short Sale listings offer value.  Most Short Sales are discounted 5% to 20% below regular home owner sales. 

EXPERIENCE IS A MUST WHEN SELLING SHORT SALE LISTINGS.  Many agents do not show Short Sale listings to home buyers.  Short Sale transactions are not typical real estate transfers because, not only does the buyer contract for the property for sale, but the seller's lender must approve the Contract of Sale.  This is why, if you wish to include Short Sales in your home search, it's important that you understand that a Short Sale may take longer than a traditional sale. 

WHO IS A GOOD CANDIDATE FOR A SHORT SALE?  Home buyers who are not under any pressure to close and move quickly.  Short Sales transactions often take 3-4 months (or longer) to close.  If you are relocating and need quick occupancy, be prepared to rent while the seller's lender processes the Short Sale contract.  Your patience will be rewarded. 

CAN I HAVE A HOME INSPECTION ON A SHORT SALE PROPERTY?  Yes.  Your Contract of Sale will include a Home Inspection Contingency that permits you to have a home inspection and if the property is not in an acceptable condition, you may void the contract.  Short Sales are sold "AS IS", meaning you may have a home inspection for your own information but neither the seller nor the seller's lender will make any repairs.  The owner/seller has listed their home as a Short Sale because of financial distress and is is rare that there are funds for repairs.  

The homes listed below are advertised Short Sales in Stafford County and offer homes in a pre-foreclosure status.   

See photos and descriptions of the homes highlighted below.   We selected homes for sale with 4 bedrooms and 2 or more full baths in the $300,000 to $400,000 as examples of good buys in a popular price range.  Short Sales in Stafford County are offered in prices from the $150,000 to $700,000.  There are three Short Sales in Aquia Harbour, all priced under $300,000. 

City	Zip5	ListPrice		BR	FB	HB	# Gar	Lot Acres	YrBlt
Fredericksburg	22405	$399,000		5	3	1	2	0.186	2008
Fredericksburg	22406	$370,000		4	2	1	2	1.059	2006
Fredericksburg	22405	$345,000		4	2	1	2	0.261	2005
Fredericksburg	22406	$370,000		4	5	0	2	3.49	1997
Stafford	22554	$305,000		4	2	1	2	0.492	1999
Stafford	22554	$309,000		5	3	1	2	0.134	1997
Stafford	22554	$395,000		4	3	1	2	0.302	2002
Stafford	22554	No Photo		4	3	1	2	0.243	2005
Stafford	22556	$349,000		4	4	1	2	0.191	2000
Stafford	22554	$325,000		4	2	1	2	0.208	2007
Stafford	22554	No Photo		5	3	1	2	0.221	2001
Stafford	22554	$300,000		5	3	1	2	0.259	2003
Stafford	22554	$325,000		4	2	1	2	0.23	1991
Stafford	22556	$329,000		5	3	1	2	0.321	1998
Stafford	22556	$309,000		4	3	1	2	0.192	1999
Stafford	22554	No Photo		5	3	1	2	0.631	2001

 

SHORT SALE LISTINGS FOR HOMES FOR SALE IN STAFFORD COUNTY VIRGINIA  - REAL ESTATE OPPORTUNITIES FOR HOME BUYERS.

CONTACT US for a tour of homes for sale in Stafford County, Homefinders.com, 800-711-7988.

READ ABOUT SPECIAL FINANCING FOR ACTIVE DUTY MILITARY AND VETERAN HOME BUYERS.   

100% FINANCING AVAILABLE FOR ALL QUALIFYING HOME BUYERS IN STAFFORD COUNTY. 

TROUBLE AHEAD FOR SOME NEW HOME BUILDERS???  THEY MAY BE CHOKING ON LAND.

What is that famous saying??  Underneath all is the land.  True, of course.  However, the land may be the cause of a builders downfall if that builder (or developer) has managed to acquire more land than they can develop in a reasonable amount of time. 

An excerpt from the publication "Public Builder Financials"of 2009 shows that many home builders are sitting on a great deal of land.  Unless a builder or developer is well financed or has a significant cash reserve, land holdings was one of the factors in the failure ans subsequent demise or bankruptcy reorganization for many builders in the real estate industry recession in the late 1980s through about 2004.  See full report of builder holdings. 

In my travels through the countryside in Maryland and Northern Virginia, I see signs along the highway and streets of towns advertising "LAND FOR SALE", or "LOTS FOR SALE". 

BUILDERS HAVE MANAGED TO HOLD THEIR OWN, primarily through downsizing their models and severely lowering their profit margin on home sales.  HOWEVER, land holdings are still a limiting factor in profitibility.  Some builders rarely maintain large land holdings, i.e., NVR (Ryan Homes), in my area buys lots from developers as they sell the models.  Other builders such as Brookfield appear to have large land holdings sufficient to satisfy their needs for many years at their pesent selling/building pace.  Of course, circumstances change and these reports are a snapshot.

SEE:  So the plot line typical for a home builder to work through periods of rough going-which is to shrink the balance sheet, triage land exposure, cut directs and indirect costs, roll back prices, and gut out the worst by generating barely enough cash to cover everything that's got to get paid for and hope that somebody doesn't come along and appraise the land asset at less than one thinks one can get for it-doesn't work for this downturn.  More. . . .

Land holdings by builders usually require debt service, tax payments and maintenance.  How much land a builder is "sitting on" may make the difference between a profitable year or not. 

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Courtesy, Lenn Harley, Broker, Homefinders.com, 800-711-7988.  Helping home buyers in Maryland and Northern Virginia. 

 

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http://www.thehomebuyersmall.com

For real estate help in Maryland and Northern Virginia contact Homefinders.com. . . . . . .

We can help! 

MORTGAGE LOANS FOR ACTIVE DUTY MILITARY and VETERAN HOME BUYERS IN PRINCE WILLIAM COUNTY, VIRGINIA.

JUST LOOK AT THE ADVANTAGES OF THE VA (Veterans Administration) LOANS FOR HOME BUYERS WITH VETERANS ADMINISTRATION ELIGIBILITY.

100% Financing - True No Down Payment home loans up to $768,750.

Generous Loan Limits.  NO DOWN PAYMENT VA loans up to $768,750.  You can also use your VA eligibility for higher homes, up to $1,000,000 with with a small down payment. 

The SELLER can pay ALL of the your closing costs.  Closing costs in Prince William County are about 3-4-4.5% of the purchase price of a home (depending on points).  If the seller will not or cannot pay ALL of your closing costs, HOMEFINDERS.COM will help.  Also, we have partnered with a mortgage company in Northern Virginia to help pay closing costs that sellers may not pay.

HOMEFINDERS.COM IS COMMITTED to help ACTIVE DUTY MILITARY and VETERAN HOME BUYERS navigate the complicated home buying market and the home loan process. 

WE CAN HELP!  Our agents are experienced selling to VA qualified, Active Duty and Veteran home buyers in Prince William County, Virginia.  Homefinders.com is always searching for help for home buyers.  We work hard to locate GRANTS and NO DOWN PAYMENT LOANS to help you achieve your goal of home ownership. 

FOR A FREE HOME BUYERS CONSULTATION, JUST CALL Lenn Harley, Broker, Homefinders.com, 800-711-7988.

Just look at what you can buy in Prince William County with your NO DOWN PAYMENT VA LOAN.

Homes in the $200,000 - $400,000 price range, EXAMPLES:

 

Homes in the 400,000 - $700,000 price range, EXAMPLES:

 

YES, THE HOMES ABOVE can all be purchased with a Veterans Administration Loan with 100% financing.

Countact Lenn for a tour of homes or to chat about your home buying needs.  WE CAN HELP!

YOU CAN SELECT THE HOMES TO TOUR.  Search listing of homes for sale in Prince William County and contact us for a tour.  New or resale homes qualify. 

Real estate for sale in Prince William Countywith VA loan limits up to $768,750 include:  Bristow, Dumfries, Gainesville, Haymarket, Manassas, Triangle and Woodbridge.  Homefinders.com knows the area and can show you homes for sale in all areas of Prince William County, VA real estate.

FREE One Year Home Warranty. 

IS THAT ORIGINATION POINT ON YOUR HUD-1 DEDUCTIBLE?  READ THE IRS WEB SITE AND THE ANSWER IS PROBABLY YES, YES, YES.

YOU'D BE SURPRISED HOW EASY TO READ THE IRS WEB PAGE IS.    

Agents and loan officers sometimes advise buyers and sellers about the deductablity of the certain items on the HUD-1. 

For instance, home buyers often ask their real estate agent or loan officer questions about detectability of closing costs.  Sellers ask too, but not as often.  Buyers often depend on the detectability of mortgage interest to bridge the gap between renting and buying.  Clearly, the higher the income, the more valuable the tax deduction is to a home buyer. 

DON'T GIVE TAX ADVICE.  Send that buyer to the IRS web page and let them read the section on HOME MORTGAGE INTEREST AND POINTS.  However, many agents and loan officers make the mistake of telling buyers that the discount point is deductible but that the "origination fee" is NOT.  WRONG!!  

THE ORIGINATION FEE or point IS DEDICTABLE.  That's not Lenn's advice.  That's from the IRS.

Read the IRS Instructions for Points. 

http://www.irs.gov/publications/p936/ar02.html#en_US_publink1000229936

WARNING TO CONSUMERS AND ALL.  THIS MATTER IS COMPLICATED AND I RECOMMEND READING THE IRS WEB SITE.  The Devil is in the details.

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Points

The term "points" is used to describe certain charges paid, or treated as paid, by a borrower to obtain a home mortgage. Points may also be called loan origination fees, maximum loan charges, loan discount, or discount points  (emphasis added).

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ATTENTION HOME BUYERS!  Don't ask your real estate agents or loan officer for tax advice.  Consult your accountant or the IRS web page.  It's in plain English and very helpful. 

Let's get this matter cleared up once and for all.  A POINT IS A POINT IS A POINT.  A point is ONE PERCENT of the loan amount.  Call it a butterfly or a shark.  An Origination Fee is a POINT. 

Save your HUD-1.  The points, all of them, even if paid by the seller are deductable for you.  You can find that on the IRS site too. 

ARE MORTGAGE LOAN ORIGINATION FEES DEDUCTIBLE??  YES, YES, YES. 

NOTE:    See John Cannata - LegacyTexas Mortgage Sr Loan Officer's comment below.  It goes into more detail that I wanted to do but he is correct, which is also clear on the IRS web site.

Courtesy, Lenn Harley, Broker, Homefinders.com, 800-711-7988.

WHEN A HOME INSPECTOR STATES "THE CODE", I suspect that they are relying on those words, "the code", to avoid taking responsibility for their opinions. 

HOWEVER, it's important for home inspectors to be knowledgeable about "the code" where the home owner has made modifications, electrical, plumbing, structural, decking, etc. to the property. 

If we're looking at a resale home, the code isn't going to apply to conditions pre-dating a code implementation.

SAFETY FIRST would suggest that home inspectors write safety defects, electrical, structural, etc.

It's upgrades and alterations that the home inspector should question "the code" to make sure that permits were pulled for the work and that county "CODE" inspection were made.

Courtesy, Lenn Harley, Broker, Homefinders.com, 800-711-7988. 

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ANDREW WRITES:   "Real estate buyers, sellers have sharp teeth."

HOW DO WE VIEW BUYERS AND SELLERS??  Are they customers, clients, prospects, names on a list, folks who pay our commissions or folks who take our time?  How the consumer views us is probably a reflection of how we as individual agents view them.    

Considering our ability to make or break a real estate transaction, consumers have a right to be cautious.

And, well they should!!!  They entrust us, often strangers, with their home, their equity, their cash, their security, their life style and so much more to us and they expect a lot and should get a lot of service for their money and their trust.

Courtesy, Lenn Harley, Broker, Homefinders.com, 800-711-7988.

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FAIRFAX COUNTY, VIRGINIA - GOOD FOR BUSINESS - GOOD FOR RESIDENTS - GOOD FOR STUDENTS - WONDERFUL FOR REALTORS.

The news of Northrop Grumman opening corporate offices in Fairfax County is very exciting for us locals who love the fact that businesses move into our area.  What brings these high paying jobs to Fairfax County? 

JUST LOOK!

Unemployment in Fairfax County Virginia is 5%.

Education - SAT Scores for Fairfax County

	Reading	Math	Writing
Fairfax County	552	569	453
State of Virginia	511	512	498
Nation	501	515	493

Incomes for Fairfax County residents

• Medium Income - $109,000
• Average Income Families with Children - $130,000

WE'RE NOT ALL WORK AND NO PLAY.  Fairfax County offers some wonderful outdoor recreation areas.  Just look!!

FISHING IN FAIRFAX COUNTY VIRGINIA, LAKE BURKE IN BURKE VIRGINIA IS A WONDERFUL "FISHING HOLE".

POPULAR FRESH WATER FISHING AT LAKE BURKE.  With about 220 acres of lake at Lake Burke, there is room for all.  There is a type of fish for just about everyone in Lake Burke ranging from Largemouth Bass, Muskie, Walleye, Channel Catfish, Bluegill and Crappie.  Lesser known White Perch, Yellow Perch, the huge Redear Sunfish and an Blue Catfish can be caught. 

BURKE LAKEanglers can fish the many miles of shore or rent a boat and take to the water where the deep water can be reached.  Deeper and colder water are where you're more likely to find Muskie and Walleye.  Of course, in the hot summer of Fairfax County, don't be surprised if the Largemouth Bass have "gone deep" to water with cooler temperatures and more oxygen.  Experienced fishermen know.  Of course, the early morning is still good for shore and close in boat fishing. 

Privately owned boats with electric motors are permitted on the lake. No gasoline powered water-craft are permitted. Nominal fees are required for boat rentals, camping, carousel, train and other activities. No swimming please.

GOOD EATING, GOOD SPORT.  While we fish for Largemouth Bass for sport and return all to the water, many area fishing enthusiasts fish Burke Lake in the Spring for Crappie and keep their catch.  In the early spring, the Crappie will school and can be caught in abundance and a more delicious fish is not found in this area. 

 

WHETHER WITH WORMS, ARTIFICIALS OF ALL TYPES and my favorite, the little flies, fishing in Burke Lake is always fun. 

With miles of shoreline, anglers can take their time and work the edges for lovely feisty Bluegill.  My little "Black Gnat" fly produced about a dozen Bluegill this week in about 1/2 hour of fishing.  What could be more fun?

 

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SKEET AND TRAP SHOOTING IN CENTREVILLE VIRGINIA.  We can't write about outdoor activities in Fairfax County without a mention of the Bull Run Skeet and Trap Center. 

BULL RUN SHOOTING CENTER IN CENTREVILLE, VA. TRAP SHOOTING WITH YOUNGSTERS IS A LOT OF FUN. WOW! WHAT REFLEXES! (edit/delete)

BULL RUN SHOOTING CENTER IN CENTREVILLE, VA.  TRAP SHOOTING WITH YOUNGSTERS IS A LOT OF FUN.  WOW!  WHAT REFLEXES! 

Often when I get to the range to shoot a few rounds of trap, I shoot alone.  There aren't too many folks who come out at 3:00 p.m.  During the weekdays when the range opens at 3:00 p.m., Tuesday through Friday, there will be a friendly group of retirees who come out during the day.  I love to shoot with them.  They are good, don't take the game too seriously and the rounds are always fun. 

Most of the skeet and trap shooters are "mature".  There are more than a few of us who identify ourselves as "the Geezer Squad".  Fine with me.  We do have shooters of all ages and level of experience.  On the weekends the squads may include beginners, ladies and youngsters.  Last weekend I shot with a young man, about 14 years old.  He's good and will get better if he continues to practice.  He's shooting for a Boy Scout Badge.  I'm sure he'll qualify. 

 

Young shooters shooting Skeet at Bull Run.               Lenn on the Trap range on a windy day.

Fairfax County offers fantastic facilities for all your needs and, when we tour homes for sale, you'll always get a "guided tour".  The Homefinders.com REALTORS know the area and will help you feel right at home.

                     

There is so much to do in Fairfax County, if you have a particular interest, just give me a call.  Whatever your interest or that of your family, I'm sure we've been there and done that.

Courtesy, Lenn Harley, Broker, Homefinders.com, 800-711-7988.

For a tour of homes in Fairfax County, VA, contact Lenn Harley, Broker, Homefinders.com, 800-711-7988.  Experienced REALTORS helping home buyers in Fairfax County, Virginia real estate.

 

 

To search the full database of ACTIVE homes listed for sale in Fairfax, use our convenient Home Search in Fairfax County web site. 

 

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http://www.homes-fairfax-county.com

Homefinders.com Video

 

 

LOVETTSVILLE NEW HOMES WITH WONDERFUL PRICES, GOURMET KITCHENS and a country atmosphere.

NEW HOMES IN LOVETTSVILLE, LOUDOUN COUNTY, VIRGINIA - GREAT PRICES, LOVELY HOMES AND A HOME BUYER'S REBATE! 

New homes like the one pictured below are in the heart of Lovettsville and priced at a modest $300,000 to about $400,000.  REBATE = $3,000 - $4,000. 

The gourmet kitchen pictured above is in a new home priced at about $450,000.  REBATE = $4,500.

New homes with acreage are also offered in Lovettsville in the $390,000 to $500,000 price range.

Call Lenn for information about the Homefinders.com NEW HOME BUYERS REBATE - 800-711-7988.

WHERE IS LOVETTSVILLE, Virginia?

Lovettsville, Virginia is a small town in North West Loudoun County.  We're about 15 miles from Leesburg with access to the Dulles Greenway and employment centers in Tysons Corner, McLean and Vienna.  Since many residents of Loudoun County are employed in the high tech industry, easy access to these areas, including Dulles International Airport is a primary attraction of living in Loudoun County.  Lovettsville offers all of the benefits of Loudoun County with the added advantage of home prices that are significantly lower than Leesburg and areas closer to D.C..   

Some of the attractions of Lovettsville include:

     2 miles from the MARC Train Station in Brunswick, MD.  See map below.

     New Post Office in the heart of town.

     New Town Center with new homes, walking areas and future retail conveniences.  See map below.

Community Center with outdoor swimming pool, tot lot, tennis, basketball court and more.  Visit the Lovettsville Community Center web page for features, directions and benefits, including licensed day care.

Lovettsville shops and services offer a small town atmosphere with several delightful restaurants, churches, convenience shopping, gasoline station, hair dresser, antique shops and local service companies for home maintenance.

LOVETTSVILLE TOWN CENTER MAP

LOVETTSVILLE VIRGINIA MAP

HOMEFINDERS.COM, THE REAL ESTATE AGENCY FOR NEW HOME BUYERS IN LOUDOUN COUNTY, VA.

For a tour of new homes in Lovettsville, Virginia, contact Lenn Harley, Broker, Homefinders.com, 800-711-7988.  Lenn lives in Lovettsville and will show you homes for sale in Lovettsville and take you on a tour of the area including MARC Station, Leesburg, Waterford, Round Hill, Purcellville, Aldie, Chantilly, Dulles Airport and many new home areas in your price range throughout the Loudoun County new home market. 

Homefinders.com can also help you with horse farms and farmettes and resale homes for sell in Loudoun County.  The Lovettsville real estate market also offers many beautiful new and resale homes in rural areas with acreage. 

Courtesy, Lenn Harley, Broker, Homefinders.com, 800-711-7988.

 

PRINCE WILLIAM COUNTY, VIRGINIA, RURAL HAYMARKET, THE CORN IS AS HIGH AS AN ELEPHANT'S EYE!

 

 

 

 

 

 

 

               

PRINCE WILLIAM COUNTY VIRGINIA FACTS
Population	370,000
% Home Owners	78%
Land Area	338 Square Miles
Water Area	10.6 Square Miles
Population Density	1065 Per Sq. Mi.
Cost of Living Index	118.20%

 

Courtesy, Lenn Harley, Broker, Homefinders.com, 800-711-7988.

SEARCH LISTINGS of Homes for Sale in Prince William County, Virginia.

      

SEARCH LISTINGSand you can view all active listings offered for sale in the Homesdatabase.com site. Homesdatabase works like the Multiple List System, MLS, works for real estate agents. You can search by location, price, features, style, lot size and more. Enjoy and when you find the homes you'd like to tour, contact us. You can also enter your information for daily updates.  Prince William County VA is an area with a wide variety of home styles, home prices and lot sizes.  Urban and rural to suit your taste and budget. 

HAYMARKET VIRGINIA NEW HOMES - 10 ACRES OF HORSE FRIENDLY LAND - BUYER'S NEW HOME REBATE

WAIT!  THAT'S NOT ALL.  THESE FABULOUS NEW HOMES ALSO OFFER:

10 ACRE HOME SITES in a horse friendly community.

JUST THINK, A BEAUTIFUL HOME ON 10 ACRES FOR AN $800,000 price range with generous builder incentives per plan, up to $100,000 for upgrades and customizing. 

3 Car Garage * Mountain Views * Privacy and Beautiful Countryside * Established Builder

1% Buyer REBATE Credit * Open Floor Plans * Gourmet Kitchens * Builder's Warranty

Home sites are 10 acres average with room for horses, barn, pastures and rinks. 

Haymarket, in Prince William County is horse friendly country. 

HAYMARKET IS A VERY CONVENIENT LOCATION IN PRINCE WILLIAM COUNTY, VA.  Located on Route 15 and Route 29, Interstate 66, home owners can go east to Fairfax County, the Pentagon and DC.  Travel west and Dulles Internation Airport is just 30 minutes away. 

Contact Lenn Harley, Broker, Homefinders.com, 800-711-7988 to "walk" these lovely lots and picture YOUR new home in Haymarket.