Herndon Townhouse For Sale

Immaculate townhouse For Sale in Reflection Lake Community of Herndon

herndon jsrealty4uPride of ownership shows in this beautiful 3 bedroom, 2.5 bath townhouse! Located at 13302 Aiken Place in Herndon, Virginia, this townhouse has loads of upgrades, including:
-New paint
-New fireplace
-New cabinets
-New refrigerator
-New flooring in kitchen and powder room
-New windows
-New HVAC
-New hot water heater

herndon for sale jsrealty4uMany windows fill this home with natural light. The living room features a new fireplace with wood mantle and marble surround. Granite counters, crown molding, and a custom backsplash can be found in the kitchen. A formal dining room showcases crown molding and a designer light fixture. Sliding glass doors lead from the living room to the patio, which is perfect for entertaining! The powder room was recently upgraded with a new vanity and flooring.

herndon for sale jsrealt4uUpstairs, a light-filled master bedroom has dual closets and features an attached, recently upgraded master bathroom! 2 additional bedrooms both have large closets and can easily access a separate full bathroom.

Outside, enjoy the fully fenced, landscaped and low maintenance backyard with a storage shed.

Additional details and photos can be found in our downloadable Aiken Place – Herndon Listing Brochure.

This beautiful house in Herndon is a MUST SEE in person! To schedule a private showing, contact Scott Koval at 703-625-3446. 

Arlington Townhouse For Sale

Townhouse in Arlington For Sale near Ballston-MU Metro Station

Less than half a mile from the Ballston-MU Metro Station in Arlington, this beautiful 4 level townhouse is located at 1117 N Vermont Street #G.jsrealty4u metro wmata arlington

Pride of ownership shows in this 4 bedroom, 3.5 bathroom townhome that’s located on a family friendly street. The home is close to shopping, dining, major roadways, and offers multiple commuter options. A beautiful and extensively landscaped yard has wonderful curb appeal.

Countless upgrades throughout the exterior and interior of the home include:
-New appliances (refrigerator, dishwasher, front loading washer & dryer)
-New garage door and lift system
-New Sliding Glass Doors
-New Stone Patio
-2 New Furnaces and A/C Systems
-New Carpets throughoutjsrealty4u patio arlington for sale

An attached 2-car garage leads into the home and a large rec room/4th bedroom. This room contains built-in shelves, chair rail, pocketdoors, and a gorgeous gas fireplace that can be converted to wood burning! Sliding glass doors lead to a fully fenced, stone patio that is perfect for entertaining.arlington for sale jsrealty4u

Natural light floods the home through the large windows. The living room on the main level features crown molding, chair rail, built-in bookcases, transom windows, and hardwood floors. A gorgeous electric fireplace can be converted to wood burning, and includes a wooden mantle and a marble hearth. The large kitchen showcases granite counters and custom cabinets, along with a center island, breakfast bar, pantry, wine rack, and more!jsrealty4u arlingtonUpstairs, the Master bedroom features vaulted ceilings, a ceiling fan, 2 walk in closets, and new carpeting. An over-sized vanity with 2 sinks and separate shower and soaking tub can be found in the attached Master bathroom. Bedroom #2 is spacious and has 2 walk-in closets and new carpeting. A full bathroom is also attached to this bedroom. In the hallway, a laundry closet boasts a new, top-of-the-line front loadingwashing machine and dryer. A second set of stairs lead up to a 3rd bedroom with a walk in closet, ceiling fan, new carpet, and attached full bathroom.jsrealty4u arlington metro home

For a visual tour of the home, view the slideshow here

You can also download our Vermont Street – Arlington Listing Brochure and the home’s unique Floor Plan.

The best way to see this home is in person! Contact us for private showing or call Sarah Taylor at 703-475-1003 or Scott Koval at 703-625-3446.

Piedmont Home For Sale

4 Bedroom home in Piedmont Gated Golf Community just listed For Sale

jsrealty4u real estate piedmontThis immaculate 4 bedroom, 4.5 bathroom home in the Piedmont Gated Golf Community in Haymarket is located at 5928 Amber Ridge Drive. This home is convenient to shopping, restaurants, and multiple commuter options including I-66 and Rt. 15. Community amenities include a year-round indoor swimming pool and two Olympic-size outdoor pools with bathhouses. There are also tennis courts, a full-service fitness center, a large Community Center with meeting rooms and business center, and the beautiful Piedmont Golf Club.

real estate piedmont for saleHardwood floors can be found throughout the main level and a 2-story foyer features a designer chandelier imported from Venice, Italy! The gorgeous kitchen features granite counters, 42″ cabinets, stainless steel appliances and a center island with a breakfast bar. The living, dining, and family rooms all feature 7-piece crown molding. Large windows fill the house with tons of natural light. A separate laundry room with front-loading, top of the line washer and dryer, cabinets, shelving and utility sink can be found on the main level as well.piedmont for sale

Upstairs, the large Master bedroom features a sitting room with imported chandelier, crown molding, extra large walk-in closet, and plush carpeting. The Master bath includes an over sized vanity with dual sinks, recessed lighting, water closet, and a separate shower and tub. 2 additional bedrooms with large closets and remote-controlled ceiling fans share a Jack-and-Jill style bathroom. The 4th bedroom also includes a remote-controlled ceiling fan and it’s own private bathroom.piedmont for sale real estate

The fully finished walk-out basement includes a spacious rec room with full windows and recessed lighting. A designer bar with a sink and ceramic tile is perfect for entertaining! An amazing theater room is wired for sound and a projector and features recessed lighting and plush carpeting. An additional game room is also wired for sound and a 4th full bathroom features a pedestal sink and combination shower/Jacuzzi tub.piedmont gated community

The expansive backyard is beautifully landscaped and has a large stone patio, stone retaining walls and in-ground sprinkler system.

This home in Piedmont is situated on a peaceful and tranquil lot that backs to trees. Download our Amber Ridge Drive – Piedmont Listing Brochure for additional details. And to schedule a showing of this beautiful home, contact Scott Koval at 703-625-3446.

Fairfax Townhouse For Sale

Gorgeous end unit townhouse in Fairfax just listed for sale

jsrealty4u fairfax townhouseLocated at 12500 Flatwood Circle in the Fair Woods Community of Fairfax, Virginia, this 3 level townhouse is a commuters dream! Situated near Route 50, Fairfax County Parkway, and I-66, the Fair Woods community offers amenities such as tennis courts, tot lots, and over 40 acres of open space with connector trails/walking paths.

jsrealty4u fairfax for saleThe spacious and bright foyer has tile floors and recessed lighting. Large windows fill the home with natural light. Hardwood floors can be found throughout most of the main level. In the family room a beautiful slate surround wood-burning fireplace with a wooden mantle is perfect for those chilly nights. A gourmet kitchen features granite counter tops, plenty of cabinet space, stainless steel appliances, and a breakfast bar. A powder room with tile floor and designer light fixture is also located on the main level.jsrealty4u fairfax fair woods real estate

Upstairs the large Master bedroom has huge windows, a walk in closet, ceiling fan, and sitting area. The Master bath features a customized walk-in shower with built-in bench, dual shower heads and jets built into the wall! The 2nd bedroom has a huge walk-in closet and access to it’s own private bathroom.jsrealty4u fairfax

The lower level has been made into an “In-Law” suite, complete with kitchenette, sitting area with wood-burning fireplace, den, full bathroom, and separate washer/dryer. The backyard features a deck & patio. The townhouse also comes with a detached 1 car garage.

For additional details on this gorgeous townhome in Fairfax, or to schedule a private showing, contact Sarah Taylor at 703-475-1003. Don’t forget to ask about the new No Money Down program!

Centreville Home For Sale

Stunning Single Family Home in Centreville listed For Sale

With easy access to I-66 and Routes 28 & 29, this single family home in the Newgate community in Centreville has everything you are looking for!

Located at 5733 Newgate Tavern Court, amenities include events & activities hosted at the community swimming pool and pool house, basketball and tennis courts, and tot lots.jsrealty4u house for sale centreville

Pride of ownership really shows in this immaculate 4 bedroom, 2.5 bath home. New Hardwood flooring has been installed throughout the main level. The bright kitchen has recessed lighting and a breakfast area with a bay window. The family room off the kitchen boasts a wood burning fireplace. The separate formal dining room features crown molding and is perfect for entertaining. A powder room is also located on the main level.jsrealty4u centreville newgate home

Upstairs, the large Master bedroom features a walk-in closet and the attached master bathroom includes dual vanities. Three additional spacious bedrooms and a full bath can also be found on this level.

A large, fully fenced backyard off the family room features a patio, landscaping, a playground set, and storage shed.jsrealty4u centreville

Check out our slideshow:

Now is a great time to buy! And 1st time home buyers may qualify for the new VHDA NO Money Down grant! For additional information or to schedule a private tour of this beautiful home in Centreville, contact Scott Koval at 703-625-3446.

Sully Station Townhome For Sale

Townhouse listed For Sale in Sully Station area of Centreville

The JS Realty Team is excited to announce a new listing in the highly sought after Sully Station area of Centreville, VA! Located at 14742 Grobie Pond Lane, this 3 level townhouse has 3 bedrooms, 3 bathrooms, and 1 half bath. Extensive community amenities include pool and clubhouse access, tennis and basketball courts, and tot lots.for sale sully station jsrealty4u

Pride of ownership shows in this immaculate townhouse that has been freshly painted. New hardwood floors and new carpet have been installed on the main and upper levels. Tons of windows let in lots of natural light. The spacious kitchen features a pantry, space for a table, and lots of cabinet space. The formal living room and dining room feature hardwood floors and access to a large deck – perfect for entertaining! jsrealty4u sully station for saleOn the upper level, the Master Suite features 2 closets and an attached bathroom. 2 additional bedrooms featuring large closets and another full bathroom can also be found on the upper level.

The spacious walkout level has a Rec room with a wet bar and recessed lighting, and leads to an expansive backyard. The extra room in the basement could easily be used as a 4th bedroom.

Download our Grobie Pond Lane Listing Brochure for additional information on this Sully Station Townhome. To see this beautiful home in person, contact Scott Koval via email or call 703-625-3446.

Documents Needed for a Mortgage

What documents are needed for a mortgage loan approval?

Years ago there was actually a no documents loan process for certain types of loans. Those are not applicable in today’s world of mortgage lending. Today we’re providing you with a list of documents that are needed for final loan approval. Some documents are required whether the loan is for a purchase or a refinance; others are pertinent to a specific type of loan.JS Realty documents sign pen woman

Documents needed for either a purchase or refinance are as follows:

  1. Most recent pay stubs, showing a 30-day period
  2. Past two years W-2 forms and/or 1099’s (if self-employed)
  3. Signed Federal Personal Tax Returns for past two years
  4. Signed Federal Business Tax returns if applicable
  5. Asset statements for a 2 month period, or most recent quarterly statement. This should include any and all of the following and must include ALL pages.
    • Checking
    • Savings
    • Stocks
    • Bonds
    • Mutual funds
    • Money Market
    • 401 K’s
    • IRA’s
  6. If the property is or will be held in a Trust, provide Trust documentation
  7. For Investment properties:
    • Lease agreement for rental properties
    • Mortgage statement
    • Property tax bill
    • Homeowner’s Insurance Policy
    • HOA or Condo fees, if applicable
  8. Hazard Insurance (homeowner’s insurance) Policy
  9. Complete Divorce/Separation Agreement /Property Settlement agreements, if applicable
  10. School Transcripts and Diploma if you are a recent graduate
  11. Contact name and phone number for Verification of Employment

For VA loans, the following is required:

  1. VA Certificate of Eligibility
  2. Original statement of service or DD-214

For Purchases only, we need the following:

  1. Ratified Sales contract
  2. Copy of Earnest Money Deposit AND bank statement showing the check has cleared your account
  3. Name, address and phone number of landlords for past 2 years if currently renting
  4. Sales Contract for existing home if selling and vacating to purchase new home
  5. Settlement Statement from the sale of current residence if vacating to purchase new home

For Refinances only

  1. Copy of most recent mortgage statement
  2. Copy of Owner’s Title Policy or settlement statement indicating that you have owner’s title insurance
  3. Copy of existing Homeowner’s Insurance Policy

Whether you’re purchasing or refinancing a property, you can download a copy of this List of Documents to help aid in your search for a loan. This list will be helpful to both you and your Lender as you work through the processing of your loan.

Leap Day Around the World

Fun facts about Leap Day from around the globe

First, let’s talk about why we even have an extra day. The whole point of the Leap Year is to help adjust our Gregorian calendar (the 365-day calendar we all use today) to the solar calendar (which lasts 365 days, 5 hours, 48 minutes, and 45 seconds). Those extra hours, minutes, and seconds add up and can throw us a little off schedule. So we add the extra day in every 4 years to make sure things like spring and autumn are celebrated with some regularity each year. Although sometimes, that extra day just isn’t enough. Last year scientists called for a “Leap Second” which was added on June 30th at 11:59:60PM. This has happened 26 times since 1972.

Since this day affects just about everyone around the globe, let’s take a look at some fun facts, traditions, and celebrations from around the world.

Grab a Newspaper
jsrealty4u leap year paper franceSince 1980 a satirical newspaper called “La Bougie du Sapeur” (The Soldier’s Candle) has been published in France on February 29th. The paper started out as a joke among friends, but its circulation now tops 200,000 copies! Its name was inspired by a comic book character drawn by the artist Christophe, who was born on the 29th of February. The paper uses content from real news stories and puts a comic twist on them. They have also started publishing a Sunday Edition, which appears about every 28 years!

The editorial team of La Bougie du Sapeur is composed entirely of volunteers. There is no advertising, so the paper counts entirely on its circulation. Often times, the proceeds from the sale of the paper are donated to a charity.

Time to Get Married!JSrealty4u leap proposalIn the past, in many European countries, Leap Day was considered the only acceptable day for a woman to propose marriage to a man. If said man refused, he must then purchase 12 pairs of gloves for the woman (to hide the fact that she isn’t engaged). In Finland, however, the refusing man must purchase the lady fabric for new skirts.

Unlucky Love
In Greece, however, marriage during a Leap Year is considered unlucky! In fact, a recent survey showed that 1 in 5 couples purposely avoided getting married in a Leap Year.

Happy Birthday! 
An estimated 187,000 Americans were born on Leap Day and another 4 million worldwide. The odds of being born on February 29th are 1  in 1,461 – which makes it pretty rare for one Leapling (as they are called) to meet another.

Leap Year Capital of the World
jsrealty4u leap year day celebrateIn February of 1988, the city of Anthony, Texas declared itself the “Leap Year Capital of the World” and started an international Leapling Birthday Club.

The Texas-New Mexico border town now celebrates the February 29th birthdays annually with events lasting 3-4 days, that include festivals and a parade!

 

Toast the Day
Created by bartender Harry Craddock at the London Savoy Hotel in 1928, the Leap Day cocktail is a the colorful cousin of the martini. We snagged the original recipe, so you can make your own cocktail to celebrate the extra day this year!jsrealty4u leap drink cheers

1 dash of lemon juice
2/3 Gin
1/6 Grand Marnier
1/6 Sweet Vermouth
Shake, pour, and garnish with a lemon peel!

Cheers to a fun Leap Year!

Incentives for Van Metre Homes

Current incentives for buying a new Van Metre home in Brambleton

incentivesBuying a new home is exciting! Picking out kitchen cabinets, flooring, and other design options to make the space your own is a lot of fun. It can also often come with a hefty price tag.

Since 1955, Van Metre Homes has matched more than 16,000 Northern Virginia families with their dream home. They not only create custom, quality, luxury homes – they’re affordable, too! And right now, if you take advantage of the incentives they have available, you can build the home of your dreams in Brambleton without breaking the bank.

jsrealty4u van metre homes incentivesCurrent Van Metre Brambleton incentives include:

-Closing cost discounts of up to $10,000 when using Intercoastal Mortgage Company for your loan and Walker Title for settlement

-Receive a $10,000 Design Studio Credit through February 29th!

What this means for you:

-Saving the $10,000 at closing costs could lower mortgage insurance costs, and in turn, lower monthly mortgage payment
jsrealty4u van metre incentives award-The savings could also be used for upgrades or options such as a walk-way, deck, porch or finished basement
-A new home from an award winning builder
-No concerns about maintenance and upgrades
-Location, location, location! Loudoun County is one of the fastest growing and affluent counties in the USA

Interest rates are still hovering around historic lows. While fixed rates seem to be trending up, adjustable rate mortgages with initial fixed periods are still near all-time lows. If you’re ready to move into a new home, Van Metre has several quick delivery options available, and some can still be customized. It’s a great time to lock in low rates on a quick delivery home and take advantage of the current incentives!

JS Realty Calculating Money Finance incentivesWe’d love to help you build the home of your dreams! If you’d like more information about obtaining a loan through Intercoastal Mortgage, contact our preferred Lender, Keith Harris.

Mortgage Loan ABC’s

Understanding the most common types of mortgage loans available today

There are many choices when it comes to the types of mortgage loans you can apply for when buying a home. Each one comes with it’s own set of options, qualifications, and rules. But it’s important to understand the most common types of loans at their most basic level. Especially once your Lender starts talking about rates, points and qualifying ratios! So here are your options. It’s as simple as A, B, C, and F (hey, nothing is perfect).

So, what is a mortgage? By definition, a mortgage is a legal document that promises property to the lender as security for payment of a debt.jsrealty4u mortgage loan propertyA: Adjustable-Rate (ARM)
JS Realty variable mortgage ratesThis is a mortgage in which the interest rate floats up or down according to a specified index. The interest rate is “adjusted” at certain time intervals (such as six months or one year), usually having a “cap rate” or maximum rate of change per adjustment interval (such as 1%, or 4%). Terms such as “one year ARM” generally identify the adjustment interval (interest rate adjusted after one year).

B: Balloon
jsrealty4u mortgage loans balloonThis is a unique type of loan, as it is rather short. You make a monthly payment for 5 – 7 years, based on a term of 30 years. There’s often a low interest rate, and it can be easier to qualify for this versus a traditional 30-year-fixed. A balloon mortgage can be an excellent option for many home buyers. There is, however, a risk to consider. At the end of your 5-7 year loan term you will need to pay off the outstanding balance. This usually requires you to either refinance, sell your home, or convert the balloon mortgage to a traditional mortgage at the current interest rate.

C: Conventional
JS Realty Loan mortgageThese loans are neither insured nor guaranteed by the government. As such, conventional loans represent a greater risk to lenders than government backed loans. Conventional loans can start with as low as 5% down, but if you can put at least  a 20% down payment (80% LTV) you can avoid paying private mortgage insurance.

F: FHA
Federal Housing Administration loans are available to all types of borrowers, not just first-time buyers. You can read more about the differences between a conventional loan and an FHA loan in one of our previous blogs.

JS Realty Lock Interest Rate mortgageF: Fixed Rate
The most common type of home loan is the fixed-rate mortgage. The interest rate remains the same for the life of the loan, so the principal and interest remain the same, too. This is one of the best reasons to buy vs rent, as rents rise over time where as most mortgages stay constant for the life of the loan.

If you’re interested in learning more, or would like to apply for a loan, contact our preferred lender, Keith Harris.