VISITING JAMESTOWN

It’s Independence Day weekend and what better way to kick it off, than with some great info on visiting Jamestown! We took an impromptu trip two weeks ago and headed south towards Williamsburg. We ended up spending a day exploring both sites. The Jamestown Settlement and Historic Jamestowne sites are minutes apart, and while each one is quite unique and has fun and interesting features, you can easily spend an entire day visiting just one location. However, if you’re traveling with younger kids, like we were, it worked out well to hit both places in the same day.

Historic Jamestowne
This is the actual site where 104 settlers arrived on May 14,1607. After checking in at the Visitors Center (which has many artifacts and lots of information), you are free to walk the grounds and explore. Signs and information boards are set up at different points to let you know where you’re standing and what happened there.JS Realty Jamestown Site Map

Another way to explore the site is to take a free tour, guided by an archaeologist.

JS Realty Jamestown Excavation
Current Excavation

As you visit the different sites and spots, you will get a wonderful account of all that has been found, along with details about the current excavation. Our Guide actually jumped right into a pit and showed us the possible cellar of the building they were excavating!

If you’re ready for lunch or a quick snack, stop by the historic Dale House Café near the water’s edge. It’s a scenic spot to rest up before continuing on to the Archaearium – a museum that houses the most impressive of the two million artifacts uncovered since the Rediscovery Project began in 1994. There are even several places where the flooring is made of glass, so you can see down to the original stones and foundation of the building under the Archaearium.

JS Realty James River Kids
Looking out at the James River.

Jamestown Settlement
After spending a good 2-3 hours exploring the archaeological site, we headed over to the Jamestown Settlement, which is a re-creation of the original and a “living/working museum”. You could spend hours just wandering through the museum itself.  Our first stop was actually the Cafe for a quick lunch! The food is cooked to order and they have a decent selection of items to satisfy even the pickiest eaters – and we had 3!

JS Realty Old Virginia MapAfter lunch, we wandered through the gallery exhibits learning about Jamestown’s beginnings and viewing hundreds of objects and artifacts from 17th-century Europe, Africa, and Virginia. The items are integrated into the museum, which features three-dimensional structures and small theaters. The best part was that almost every placard or information board featured an item to touch – linen, wool, deer skin, iron cuffs, etc. so you really got a sense of what the settlers were using or wearing.

JS Realty Jamestown Powhatan Village
Powhatan Houses

After learning more about life in the 1600’s, it was time to explore the three outdoor-living, hands-on history areas. First was the re-created Powhatan village featuring reed-covered houses, crops and a ceremonial circle of carved wooden posts. You can walk in the houses, sit on the deerskin covered beds and even use a chunk of a log and rock pestle to grind corn into meal (we had a hard time dragging one of the little ones away from that!). We were quite fascinated to watch a Powhatan Indian interpreter make a log canoe by burning the inside of a tree trunk and then scraping it out with an oyster shell.

JS Realty Three 3 Ships
Ships at Jamestown

Our next stop was checking out The Ships – re-creations of the Susan Constant, Discovery, and Godspeed that brought America’s first permanent English colonists to Virginia in 1607.  The ships are moored at the pier and are completely hands-on! Once aboard the ships, you can explore the tight conditions, try steering with a whip-staff or tiller, tie sailors’ knots, and even climb into a sailor’s bunk. Costumed interpreters are on all 3 ships and give a great account of what it was like to sail from England in 1607 and can answer pretty much any question you might have.

JS Realty Armor Dress Up
The armor was heavy!

Our last stop was the James Fort. The re-created 1610-14 fort contain structures topped with thatch roofs depicting dwellings, as well as an Anglican church, a court of guard, a storehouse, a cape merchant’s office and a governor’s house. Historical interpreters even forge and repair metal objects in a blacksmith’s forge and show how matchlock muskets are fired (warning: the muskets are loud!). You can even try on armor and play games! 

Overall, visiting both sites was a fantastic way to learn about Virginia and American history. Children have plenty to see, handle, and explore, while Adults can enjoy learning new facts about the area and even feel like a kid again! Williamsburg and Jamestown are only about a 3-hour drive from the Northern VA area and is definitely something you could do over a long weekend.


The JS Realty Team prides ourselves on helping our clients through the entire buying and selling process, from the first search for a home, to closing and beyond! Contact us today – we’d love to help you find your dream home!

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The JS Realty Team – not only serving Brambleton, serving all of Northern Virginia

MORTGAGE LOAN REFINANCE

Generally speaking, a loan refinance is a new loan to replace an old loan. Let’s look at the various reasons why a refinance would be appropriate.

JS Realty Business Man Text Save How

LOWER MONTHLY PAYMENTS – If your current interest rate high, refinancing at a lower rate can save you significant money each month. For example, if your loan amount was $300,000 and your rate is 5%, your monthly Principal and Interest (P&I) payment would be $1,633 per month. If you refinance the same $300,000 at a rate of 4%, your monthly P&I payment would be $1,432 or a savings of $201 per month. This equates to a savings of $2,412 per year and will save you $12,060 in five short years!

JS Realty Interest RatesLOWER INTEREST RATES – Interest rates can be lowered due to a change in the industry as a whole, such as the example above. Interest rates can also be lowered by shortening the term of the loan. 15 year rates will be lower than 30 years loans. Adjustable Rate Mortgages (ARM’s) are loans that are fixed for a specific time period such as 3, 5 7 or 10 years and will typically be offered at rates lower than a 30 year fixed loan.

SHORTEN LOAN TERM – A loan refinance can be considered as a way to reduce the length of your loan. Changing from a 30 year loan to a 15 year loan can greatly reduce the number of payments needed to pay off your loan. This is often used by borrower’s who have increased incomes since the beginning of their initial loan and can afford the higher monthly payments.JS Realty Loan Terms Paperwork

CHANGE FROM ‘ARM’ TO FIXED – Adjustable Rate Mortgages are fixed for a period of time and then they begin to adjust or change rates on an annual basis. Refinancing to a fixed rate term alleviates potential rate increases that can occur with the ARM’s.

COMBINE TWO LOANS INTO ONE – When purchasing a home, many borrowers obtain two loans to reduce the amount of down payment or to keep from paying mortgage insurance. As the value of the home increases, a single mortgage can replace both loans at a lower rate than the original two loans.JS Realty Refinance Application Form Pen

ELIMINATE MORTGAGE INSURANCE – Initial loans with a down payment of less than 20% will often have monthly mortgage insurance payments as part of the mortgage payment. Also, FHA loans include monthly mortgage insurance payments that you continue to pay for as long as you own the loan. As the loan balances decrease and property values increase, refinancing into a new loan with a loan-to-value of  at least 80% will eliminate the need for mortgage insurance payments.

CASH OUT –With enough equity in a property, refinancing is a great way to get cash that can be used for virtually any reason.
Some examples may be:JS Realty Refinance Monney Calculator Bills

-Home Renovations/Additions
-Auto purchase
-Boat purchase
-Medical bills
-College Education
-Pay off other debts that carry higher interest rates such as credit cards

If any of these scenarios seem to match your situation, please feel free to contact me to discuss how a mortgage loan refinance can benefit you.

JS Realty Keith Harris
Keith Harris
NMLS # 838973

Keith Harris
Senior Loan Officer
Intercoastal Mortgage Company
Direct: (703) 259-0788
Cell:    (703) 395-6601

 

 

 


 

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The JS Realty Team – not only serving Brambleton, serving all of Northern Virginia.

GETTING READY TO MOVE

Getting ready to move can be overwhelming to say the least! Earlier this week, we gave you a few tips on making Moving Day a little less stressful. Now we’ve got a checklist for you to help you stay on track! From cleaning, to packing, and everything in between, here’s what you need to remember when you’re getting ready to move:

CLEAN THE NEW HOME
JS Realty Cleaning CleanserOur #1 recommendation is to clean the home you are about to move in to. It is the only time that the home is vacant and ready for a full cleaning. Clean things like cabinets, drawers, corners of closets, window, lights, etc. Most homes are cleaned before you move in – but if not, make sure you take a couple hours to put the elbow grease in before you pile all of your things in the home.

PACK SOME ESSENTIALS
JS Realty Essentials MovingPack a box or bag of essentials that you will need the next few days after the move. Things to include: a few changes of clothes, kitchen utensils, towels, sheets, a can opener, electronic and phone chargers… anything you might need for a few days while everything else you own in still in a box! The last thing you want to do is dig through a dozen boxes to find these little essentials. Also, keep a folder handy that has your most important papers in it, so it is easily accessible in the event you needed to get to them quickly (this helps keeps them safe, too).

SORT AND SELL ITEMS
About 6 weeks before you  move, start sorting and selling items. This will allow you enough time to coordinate, de-clutter, and organize. Moving is a perfect time to get organized!JS Realty Donate Sell Trash Bins

START PACKING
Pack one box at a time. Remember to designate an area or box/bag for trash, donations, any additional things you will be selling and things you are giving to JS Realty Box Label Movefamily or friends. Remember to label your boxes clearly. Packing and labeling them by room is a great start, and label boxes on their sides, as you will most likely be stacking them. It also helps to make a list of what is in each box if you are considering storing your boxes after moving.

TAKE PHOTOS
If you are disassembling electronics or furniture, do yourself a big favor and take a picture of it BEFORE you take it apart. This will really help when you go to put things back together! This time saving trick will save you lots of frustration, too.JS Realty Cable Box Cords Plugs

CHANGE YOUR ADDRESS
Change your address with everyone! There is nothing worse than ordering something great on Amazon and it getting sent to your old address. Think of all of your online ordering sites, banks, PayPal, credit cards and of course your family and friends – you don’t want to miss out on the yearly birthday card from Grandma!

JS Realty Move Boxes Change Address
Great way to use those left over boxes!

Moving is an exciting time, full of anticipation of what the future holds in your new home. Take it one step at a time, prepare to be successful, and you will find that moving is not as hard as you think!

For additional tips, tricks, and moving hacks, check out The JS Realty Team Pinterest Page!


Don’t forget to Contact Us today for a FREE, no-obligation consultation!

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The JS Realty Team – not only serving Brambleton, serving all of Northern Virginia

MOVING DAY

JS Realty Calendar Red Moving DayThe day has finally arrived – it’s moving day! You have accomplished your goal of buying a home and now reality is setting in.  Packing up and moving your belongings can be a stressful event. Good preparation and planning will help minimize the stress.

Here are some tips to help you get started:

DONATE UNUSED/UNWANTED ITEMS
JS Realty Donation Moving Clothes CharityOne fabulous benefit of moving is that it’s a great time to purge your home.  The more you purge the less you have to pack! So it saves you time and money in moving expenses. If you haven’t worn or used an item in the last 6 months, donate it!  There are many great charities that will take unwanted clothes, books, furniture and anything else you don’t need or use. The JS Realty Team uses Salvation Army because they help a lot of people in our community.  Find a charity you connect with and help people in need, while at the same time reducing the clutter around your new home.

ORGANIZE
JS Realty Moving Closet Drawing
Now that you have reduced the amount of unneeded items in your possession, it is time to organize your new home!  If everything has a place then it is easier to keep your new home organized.  There are many resources out there to help you organize every corner of your home.  From the garage to the Master Bedroom closet you will be amazed at how a little planning and a few organizational tools can help you make the best use of the space you have.  Alejandra Costello is a wonderful local resource to help you with ideas.

Purging unwanted items and organization will not only ease the moving process, but it will help keep your new home in order.

The JS Realty Team @ Samson Properties prides ourselves on helping our clients through the entire buying and selling process, from the first search for a home, to closing and beyond! Contact us today to see how we can help you on Moving Day!

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The JS Realty Team – not only serving Brambleton, serving all of Northern Virginia.

ENJOY A VACATION IN BRAMBLETON

Summer has officially arrived! The sun is out (when it’s not storming…) and it is HOT! As much as everyone needs and wants a vacation, it’s not always possible to leave town. Fortunately, living in Brambleton means you don’t have to go far to have a fun and relaxing vacation.  Here’s how to make the most of your “stay-cation” without leaving Brambleton!

RELAX IN THE POOL

JS Realty Brambleton Pool Water Park

*NEW for 2015!* Stratford Landing Pool & Splash Park – Located at 23503 Quillback Court. Complex consists of splash pad and water sensory play area with zero depth beach entry, water volleyball court, water basketball court, cool water hydrotherapy cove, and water slide. Also includes a separate eating area, picnic pavilion and bathhouse.

The Community Center Pool – Located at 42645 Regal Wood Drive. Complex consists of a main pool, wading pool, and spa.

The Beacon Crest Pool – Located within the Residences Condominiums at 22650 Beacon Crest Terrace. Complex consists of a salt water main pool, wading pool, spa, outdoor gas fireplace and grill, and a club room.

Brambleton Corner Clubhouse & Pool – Located at 42255 Palladian Blue Terrace. Complex consists of an 8-lane lap pool with attached zero depth beach entry, outdoor eating area with grill and concession area, and the Brambleton Corner Clubhouse.

ENJOY A SPA DAY

JS Realty Facial Spa RelaxWith these 4 unique locations to choose from, you can’t go wrong when you want to pamper yourself! Get a new ‘do, have a facial, enjoy a mani/pedi – the list of options are impressive.

Eclips Salon & Day Spa
Hair Cuttery
La Belle Nail Spa
Illusions Hair Salon & Spa

JS Realty Movie Theater Pass Ticket EntryCATCH A MOVIE

At 10 AM on Tuesdays and Wednesdays, head over to Regal Fox Cinemas for “G” and “PG” rated movies for just $1! Seating is first-come, first-served and limited to capacity. Seat reservation is not permitted.  $1 Summer Movie List

SEE A CONCERT

JS Realty Concert BrambletonBRAM’s Sizzlin’ Summer Concert Series is back! Every Thursday night at 6PM. Concerts are FREE and you can bring a cooler and blanket/chairs to sit on while you listen to some good music.  Check out the list of bands here.

GRAB A BITE

From Asian to Mediterranean, an all-American diner, and several options for a sweet treat – the restaurants at the Town Center have you covered, no matter what you are craving! For the extensive list of restaurants, click here.

JS Realty Lost Rhino OpenAnd don’t forget to stop by the Lost Rhino Retreat – it’s now open! For hours and additional info, visit the website.


Are you thinking about buying a home in Brambleton? Contact us today – so we can help you find your dream home!

JS Realty Free Analysis Contact UsThe JS Realty Team – not only serving Brambleton, serving all of Northern Virginia.

MARKET UPDATE – LOUDOUN COUNTY

JS Realty Flag LoCoEarlier this month the JS Realty Team at Samson Properties provided a market analysis of Brambleton in Ashburn, Virginia. Today we are going to expand the market update to include all of Loudoun County, and compare the trends of the whole county to what we saw in the Brambleton subdivision.

Q1 2015 Loudoun County Market Update – Full Report

The Loudoun County housing market has also had a strong first quarter. The sold dollar volume is up + 19.56% from JS Realty Where Market Going Newspaperthe previous year and units sold are also up +16.88%. The percentages are obviously not as large when compared to Brambleton, but keep in mind we are looking at Loudoun County as a whole, not just one of its most popular subdivisions. When you compare average days on the market in Loudoun County to the previous year you will see a modest increase from 58 in 2014 to 81 in 2015. This can be mostly attributed to the increase in inventory from the year before – classic “supply and demand”. Overall, similar to Brambleton, the whole county is experiencing a market that is on the move in a positive way.

The JS Realty Team also mentioned previously that the “buzz” in the lending world was that interest rates were going to rise slightly over the summer. We have seen that come to fruition over the last couple weeks. They have crept up a little, but are still close to historical lows.

JS Realty Buyer Seller Road SignWe expect this positive market to continue for the foreseeable future. The JS Realty Team has stayed busy helping our clients achieve their goals through the buying and selling of homes. It has been a great year so far and we look forward to helping even more of our clients in the remainder of 2015.

Have a great summer! Don’t hesitate to contact a JS Realty Team member with any questions or to get a FREE no obligation home/market analysis on your home.

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The JS Realty Team – not only serving Brambleton, serving all of Northern Virginia.

FEATURED HOME – HAYMARKET, VA

This gorgeous 4-level home was just listed for sale yesterday!

1971 Mountain Road in Haymarket, VA is on 10 acres and has a creek! With 4 bedrooms, 4 full bath and 2 half bath, there is lots of space in this beautiful, custom built brick & siding home!

JS Realty Mountain Road Home Family StoneTons of natural light floods in through wood case windows, and solid wood doors are found throughout the home.  A two-car extended garage and spacious, paved circular driveway has lots of room for parking, and this home is perfect for those who want privacy but still need to commute – it’s only a short drive to Route 15 & Route 50.

JS Realty Mountain Road Back YardThe beautifully maintained yard with custom landscaping, mature trees, and stone walkway lead you to a spacious wrap-around porch. A 2-story deck with a screened in Gazebo is perfect for grilling & throwing parties or just enjoying your morning coffee & taking in the quite scenery around this lovely home.

The 10-acre lot features plenty of storage outside with both a shed and a pole barn, while a fun playground set is sure to keep the kids entertained.


If you’d like to schedule a showing of this amazing home and large property, call us today at 703-475-1003!

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The JS Realty Team – not only serving Brambleton, serving all of Northern Virginia.

BEST BLUE CRAB IN NOVA

JS Realty Steam Crab BlueIt’s not always convenient to travel into Maryland when you’re craving some delicious Blue Crab. Did you know there were 5 great places here in Northern Virginia that serve it up fresh? These restaurants don’t disappoint! In fact, a few might even surprise you.

Captain Pell’s
10195 Fairfax Blvd
Fairfax, VA
Blue Crab Captain Pell FairfaxSince 1977, Captain Pell’s has been serving up tasty all-you-can-eat crab and seafood, delivered fresh daily.

Captain Mas Seafood
46303 McClellan Way

Sterling, VA
JS Realty Capt Mas Crab Blue Sterling Cascades
Tucked away in the Cascades Marketplace off Cascades Blvd, Captain Mas offers up all-you-can-eat blue crab. Their impressive menu is worth the wait, as everything is made to order and fresh!

Ford’s Fish Shack
44260 Ice Rink Plaza #101
Ashburn, VA
Ford Fish Shack Bar Ashburn JS Realty
This family owned restaurant is making a name for itself with it’s “Fresh-Off-the-Hook” seafood. Their current menu specials have just what you’re looking for!

Blue Ridge Seafood
15704 Lee Highway
Gainesville, VA
JS Realty Blue Ridge Seafood Crab
Family owned and operated for 30 years, this “hidden gem” near Manassas features steamed & spiced blue crab by the dozen or half-dozen!

Lowry’s Crab Shack
420 W Colonial Hwy
Hamilton, VA
JS Realty Lowry's Crab Shack
Head over to Lowry’s! Great food, and that fun, relaxed, “beach” vibe make this a great destination for freshly steamed blue crab.


 

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The JS Realty Team – not only serving Brambleton, serving all of Northern Virginia.

MORTGAGE LOAN FEES

What Fees are Associated with a Mortgage Loan?

There are a number of fees that a borrower may encounter when finalizing a mortgage loan for a real estate purchase or a refinance. We’ve compiled a list of fees that are part of the settlement for a JS Realty Mortgage application form with a calculator and house.mortgage loan. The fees can be separated into several categories: lender fees, escrow deposits, prepaid items, title fees, government recording and transfer fees, and additional settlement fees.

LENDER FEES

-Origination Charges – these are comprised of fees charge by the lender to process and underwrite the loan
-Discount Points – these are charges to the borrower for a particular loan interest rate or certain loan program
-Credit Report – fees charged to run a credit report for the borrower
Appraisal fee – cost to have a licensed professional provide a market value of the property
-Flood Certification Fee – this is needed to determine if your property is located in a flood zone and if flood insurance is needed on the property

PREPAID ITEMS

Daily Interest Charges – interest is paid from date of settlement through the end of the same calendar month
Homeowner’s Insurance – initial premium is paid upfront
Mortgage Insurance (if necessary)

INITIAL ESCROW DEPOSITS

Property Tax Fee JS RealtyMost loans require the borrower to pay for property taxes and homeowner’s insurance on a monthly basis as part of the mortgage loan payment. When property taxes are due (typically twice a year), and homeowner’s insurance (annually) the lender will pay the bills out of the escrow funds.

TITLE FEES

-Settlement fee – Charged by the settlement company for preparation of closing documents and conducting the closing.
-Lender’s title insurance – cost of insurance covering the amount of the loan. This is required by the lender and covers title issues for the life of the loan.
-Owner’s title insurance – OPTIONAL coverage for the owner’s to protect against any tile claims on the property. This policy will protect the owner’s forever.

GOVERNMENT RECORDING AND TRANSFER FEES

JS Realty Calculating Money Finance FeeGovernment Recording Fee – fee charged by government to record the deed of trust
Transfer Taxes – basically a sales tax that is paid to the local government as well as the state government

ADDITIONAL SETTLEMENT CHARGES

There can be several “additional” fees associated with a loan. Here are a few:

-Pest Inspection
-Survey
-HOA/Condo Transfer fees
-HOA/Condo dues

JS Realty Keith Harris
Keith Harris
NMLS # 838973

If you have any questions about a loan, or would like clarification on any of these charges or fees associated with mortgage loans, please contact our preferred Lender, Keith Harris at Intercoastal Mortgage Company.

 

 


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GETTING KEYS TO YOUR NEW HOME

You searched for the right home – and found it! You got the home under contract and worked through the entire Home Buying Process to bring you to the day you have been looking forward to: Settlement Day! You worked hard and you want the KEYS to what is yours. So when do you get the keys to your dream home?

JS Realty Calendar Red Moving DaySeems like this would be a pretty easy question to answer, but it really depends on the state that you are closing in, and how that state handles defining the term “settled”, or when escrow has occurred. Most often this has to do with the way the money is funded and disbursed, and how the Deed (the paper work that deems you are the owner of the property) is recorded and recognized in your state. Since we are located in Virginia, we can tell you exactly how it is dealt with here. Then you can prepare for the other BIG day – MOVING DAY.

Typically, keys are given after verification that the funds have been delivered to the title company and all of the required documents are signed by both Seller and Buyer. At that point, the Seller will pass over ownership of the property and provide the Buyer with the keys to the property. Hooray! The moment has arrived and you are now the lucky owner – and key holder – of your dream home!

JS Realty Champagne Glasses Celebration

There are occasions, however, when getting the keys and moving right in is not possible:

The Seller needs to stay in the home. Logistically, it can make sense for JS Realty rental agreementthe Seller to sell their home and then buy their next home. Physically, though, this can be a real challenge. Offering the Seller to stay a couple of extra days after settlement could be just what they need to make selling their home to you easier. In this case, you (the Buyer) will be offering a “rent back”. This is done through a signed agreement (a Post-Settlement Occupancy Agreement) that states they will stay in the home for a specified period of time, for a certain amount of money, and will be exiting the property on a specified date.

JS Realty Moving Boxes TapeSo does this mean you get keys or not? In most cases the Seller will agree to give you one set of keys with the understanding you will not need to access the property until the specified date that they will be exiting the property. Once they have exited the property you will be able to re-inspect the home and take possession based on the terms in which you both agreed to. This is pretty common and often occurs with little to no issues.

The home is vacant and you want to move in early. Is this even possible? JS Realty Kids Thumbs Up DownTechnically it is, however we often do not recommend it due to many various risk factors that could make this a bad idea for both the Buyer and the Seller. There is a possibility that something unforeseen happens and the deal does not go through at the last minute. Or worse, if something tragic happens to the home while the Buyer is occupying it and the Seller is still the owner. This would create a potential insurance nightmare. The reasons this could be a bad idea are numerous, however if you and the Seller are prepared to face these risk and are able to come to mutual agreeable terms, this is an option and does occur from time to time. It would be similar to the “rent back” method and it is called a Pre-Settlement Agreement.

“Key” things to remember for Settlement Day:

Utilities: Turn the utilities on in your name the day of settlement to prevent a them from possibly being shut off. Remember: utilities cannot be turned on over a weekend.

Deliveries: Do not schedule to have anything delivered or done to the home the JS Realty Watch Deadline Man Businessday of the settlement in the event something unforeseen causes a delay.

Be Prepared: From time to time, Settlement Day can run longer than expected. However if you plan for extra time in advance, it can make the day run a lot smoother and less stressful than if you are trying to get to an important work meeting directly after. We hope for the best, yet are prepared for the worst.

Accept the keys and take ownership of your dream home!

JS Realty Happy Couple New Home

The JS Realty Team get deals done and homes get purchased every day! If you’re ready to buy or sell a home, contact us today!

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The JS Realty Team – not only serving Brambleton, serving all of Northern Virginia.