SPRING EVENTS IN BRAMBLETON

Its Easter weekend and Spring Break is almost over. But that doesn’t mean the fun has to stop! Check out the events happening in Brambleton this spring! Please note: Events marked with an * denotes a Brambleton residents only event.

JSRealty Brambleton Easter Eggs3rd Annual Brambleton Bunny Trail*
Saturday, April 11th – 10AM – 2PM
This free event is great for kids 6 and under. Stroll along a portion of the Brambleton Trail System and visit vendors along the way where you will participate in a craft or activity. At the end of the trail you will be able to hunt for eggs at the Little Smiles Egg Hunt and visit the petting zoo. REGISTRATION IS REQUIRED. Please register each child that will participate, not the family. All ages are welcome to walk the trail but the egg hunt is for registered kids aged 6 and under. Register Here

Brambleton Ribbon Run 5k & 10k Run / Walk & Kids Fun Run
Saturday, April 18
StepSisters logo2
 7:30AM: 5K & 10K start
9:15AM: Kids’ Fun Run starts

The Race benefits the Step Sisters’ mission to improve the quality of life for those impacted by breast cancer by funding needed support services in Loudoun County and the surrounding community. Race Day Features USATF Certified Course, post-race grab-n-go breakfast provided by Blue Ridge Grill, and a sponsor showcase including free seated massages by LifeTime Fitness’ LifeSpa! More Info

Spring Yard Sale
Saturday, April 25th – 8AM – 12PM
JS Realty Yard Sale BrambletonBrambleton’s Spring Yard Sale is scheduled for April 25th, and there are two ways to participate as a seller:

  1. FROM YOUR HOME – If you would like your home added to the list of homes participating, please register online. You do not have to register to participate from your home. Your address will be included in the list of participating homes that will be available on our website, Facebook page, Friday Flash and handed out at the Community Center the day of the event.
  2. AT THE COMMUNITY CENTER – If you would like to have a spot at the Community Center, please Register Here. Cost is $10 per spot and includes 2 parking stalls to display your items. You can purchase more than one spot if necessary. You will be allowed to set up as early as 6:30 AM, and cars need to be parked no later than 7:45 AM. You will receive spot assignments the week of the yard sale. After registration please bring in or mail your registration fee to the HOA office.

Loudoun Lyme 5k & 10k JS Realty Loudoun Lyme Brambleton
Sunday, May 17
8AM: 10K begins / 8:10AM: 5K beings / 9:30AM: 1K begins
Fite the Bite 1K Fun Run, 5K & 10K Run / Walk. All net proceeds will go directly to the National Capital Lyme Disease Association and will be used to educate the public and physicians about symptoms, diagnosis, treatments and methods of prevention.  Race Days features Children’s activities and games, DJ and music, and information fair featuring health professionals and specialists, county officials, veterinarians, and local vendors. Kick-off ceremony to include local politicians. Family-friendly and fun event!  More Info

Inaugural Bram Brew Fest!
Presented by Lost Rhino
Saturday, May 30th – 1-6PM
JS Realty Bram Brew Fest 2015We are excited to feature over 20 local breweries throughout Northern Virginia, Maryland, and West Virginia. This event will also include food trucks, live music and other fun beer related activities!
Tickets: $30 at the gate ~ includes entrance/ tasting glass/ 6 tastings.
$10 Designated Drive ticket (21 years of age) and $10 Underage Ticket (13 – 20 years of age). Kids 12 and under are free. Keep an eye on the Friday Flash and Facebook for Early Bird announcements. Sign-up for Friday Flash here.

Interested in those “Resident Only” events? Contact us today and we can help you find your new home in this amazing community.”​

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

THE LOAN PROCESS

Unclear about the Loan Process and all that it entails? Listed below are the Loan Process steps to help you understand what will take place.  If you’d like to download a PDF version to save, please click here: The Loan Process

JS Realty PreApproval BlockA pre-approval is a commitment by a lender to make a mortgage loan to a specified borrower, prior to the identification of a specific property. The pre-approval process starts with an interview and completion of a loan application, and ends with the lender issuing a pre-approval letter demonstrating that the applicant is a suitable buyer. The lender will typically require at minimum 2 years of W2 statements, 2 years of federal tax returns, 2 month’s of asset account statements, and a satisfactory credit report.

JS Realty Rate Lock BlockAt this step the lender issues a written agreement guaranteeing the borrower a specified interest rate, provided the loan closes within a set period of time. To lock a rate the applicant must have a ratified contract and an established settlement date.

JS Realty Disclosure BlockThis is when the lender offers the official Good Faith Estimate, Truth in Lending Form and loan disclosures. These documents need to be presented to the applicant within 3 days of lock and will need to be signed and returned to the lender. It is also common for the lender to request additional supporting documentation at this point.

JS Realty Appraisal BlockAn appraisal is a written analysis of the estimated value of a property prepared by a qualified appraiser. This process is performed to make sure that the property is of fair market value and supports the agreed upon purchase price.

JS Realty Processing and Underwriting BlockDuring the processing step the Loan Officer and his/her staff will gather and analyze all of the information to ensure that the applicant’s loan will meet the specific program guidelines. The Underwriter will then complete the final review of documents to verify that all appropriate disclosures and documentation is completed to support the issuance of final loan approval. It is common for the Underwriter to request additional explanations or documentation during this process.

JS Realty Closing BlockThe closing is a meeting in which the sale of a property is finalized with the buyer signing the mortgage documents and paying closing costs. Also called “settlement.” This is where the applicant receives their keys to their brand new home!

If you or someone you know is interested in purchasing a home or needing to refinance, please contact me!

JS Realty KHarris LenderKeith Harris
Senior Loan Officer
Intercoastal Mortgage Company
Direct: (703) 259-0788
Cell:    (703) 395-6601
NMLS ID # 838973

 

Credit and collateral are subject to approval. Terms and conditions apply. This is not a commitment to lend. Programs, rates terms and conditions are subject to change.  ICM NMLS# 56323 (www.NMLSconsumerAccess.org)

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

BUYING A HOME IN BRAMBLETON

Buying a home should be an exciting experience! When you finally decided “it’s time”, the JS Realty Team is ready to help guide you every step of the way. We are happy to make a recommendation for financing with one of our trusted lenders. We will put you in touch right away, so you can begin to understand how much you can afford and which financing options are the best for you.

Once you have the financing portion started, and you have determined your JS Realty Couple with Realtorpurchasing power, your designated agent with The JS Realty Team @ Samson Properties will schedule a home tour. Allow approximately 2-3 hours for your tour depending on your home selection. You are welcome to ride along with your agent, or follow along in your own vehicle.

We want to know more about your needs, and we will set aside time to learn more about you and help guide you on what is going to be the best fit for you. Our experience shows us that most buyers will narrow down their selection to 4-5 homes – from which they will choose one. When there are more homes than that on the tour, it probably means the agent didn’t narrow down enough “specifics”, or you are in luck with a massive inventory in your area and price range and are not too “picky”. You can help narrow down time by browsing through the photos and home features in the MLS listing your agent has sent you and eliminating any homes that are not strong candidates for your selection.

Suggestions for a productive home tour:

  • Have all decision makers on the tour
  • Be prepared with things to keep the kids busy on the tour so you can focus on notes and questions
  • Bring a digital camera and take pictures of each home or better yet, capture video. Your smart phone is great for this. Your agent would be happy to follow along and record for you so you can take notes.JS Realty Team Gorgeous Master BD
  • Have a pen/pencil and notepad to make notes. You will forget. It’s important to note LIKES and DISLIKES for each home.  Example: Island in kitchen is amazing. 2nd bedroom room for nursery is a bit small. Love the tub in the master bathroom! Home will need a deck.
  • Upon leaving each home, rank the home on a 1-10 scale on how likely you would be to write a compelling offer.
  • During the hot months, frozen bottles of water are a great idea for the trip. Some homes will not have power or air conditioning. In the cold months, remember your jacket and gloves.
  • Don’t wear shoes that you are worried about scuffing. You will be walking the lots to learn more about the property; keep in mind being able to be comfortable inside the home and out.
  • Be prepared to write an offer. Remember you are looking to buy a home so there is not much sense in touring homes when you are not prepared to buy, as those homes are certain to not be available at a later date.

JS Realty Team Young Family Looking at a Beautiful New Home with a For Sale Real Estate Sign in Front.If we have done our job, as your Brambleton real estate agent, you are prepared, have selected strong candidates, have your financing ready, have a comfortable knowledge of the process and you are ready to buy.

Think you are ready to start the buying process? CONTACT US TODAY. We’d love to help you get started!

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

WHAT IS AN APPRAISAL?

An appraisal is a written estimate of a home’s value. The JS Realty Team at Samson Properties educates both our buyers and sellers on this process.

The appraiser is an independent 3rd party who determines the value of the home in the current market by performing a market analysis. The market analysis will compare the subject property to similar properties in the immediate area while also comparing the condition of said properties. JS Realty Real estate comparisonAppraisers generally use 3 standard approaches to determine the market value of a property: The Cost Approach, The Comparison Approach, and The Income Approach. Combining these 3 approaches enables the appraiser to give their professional opinion on the market of the home.

Once a buyer ratifies a contract on the home of their choice, their lender will order the appraisal. The average cost is typically $400-$600. If you, as a homeowner, are looking to order an appraisal, keep in mind there are various types. Ordering the correct type of appraisal is critical. Don’t hesitate to contact us and we will help you understand the difference to make sure you spend your money wisely.

For more information concerning appraisals or if you or someone you know is interested in buying or selling Real Estate, contact Scott Koval or Sarah King Taylor, co-founders of the JS Realty Team. We take pride in our dedication to our clients and have helped over 700 families and counting in Loudoun, Fairfax, and Prince William counties!

CONTACT US TODAY

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

TRANSPORTATION IN BRAMBLETON

A number of options for transportation can be found in and around Brambleton. From ridesharing to the BRAM Bus, you’re sure to find a solution to fit your needs!

PARK & RIDEJS Realty brambleton park and ride
Brambleton

42790 Creighton Road
(east of Route 659)
Service to DC Schedule

Goose Creek Village
20785 Century Corner Drive
Silver Line Service

RIDESHARING NETWORK
Loudoun County Transit and Commuter Services (part of the Commuter Connections Network) offers a free ridesharing network.  Contact the Office of Transportation Services at 703-771-5665 or send an email to rideshare@loudoun.gov

BRAMBLETON BUS
Brambleton is looking to hire a friendly and experienced bus driver with a VA CDL driver’s License with a Passenger (P) endorsement. This person should be customer service oriented, able to work a flexible schedule with some nights and weekends, and should be able to work independently. Applications and other position related questions can be emailed to Beth.Huck@brambleton.org. Fill out the application here (Requisition #2706).

COMMUTER CONNECTION
JS Realty Metro Reston Station TrainCommuter Connections can provide you with information on all your commute options, so you can make a smart choice about how you travel to work. Commuter Connections also helps employers establish commuting benefits and assistance programs, including telework/telecommute programs, for their employees.

And for individuals who take greener trips and like to be rewarded for it, check out the NuRide website. Sign up (it’s free!) and get rewards when you walk, bike, telecommute and more!

STATE & COUNTY TRANSPORTATION
Construction projects that are being considered or planned in and around the Brambleton area can be found here.

Tired of your commute? Looking for a new community to call home? CONTACT US today for details on the amazing properties we have available in Brambleton!

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

BRAMBLETON DAIRY BARN TO UNDERGO RENOVATION

Exciting News! The JS Realty Team was among the first Real Estate teams to be shown the newly approved renovation project site in Brambleton! The old Dairy Barn is about to undergo a major renovation/transformation – it will become the new Performing Arts Center!  Just imagine… musicians and concerts, plays, even large events (weddings!) will be right in our backyard. Here’s a sneak peek:

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

A BUYERS GUIDE TO PURCHASING A HOME – Part 2 of 2

If you missed the first part of our Buyers Guide to Purchasing a Home, you can find it here.

One of the most rewarding experiences is finding the perfect home at the right price for our home buyer. The JS Realty Team strives to find that perfect match. From the initial consultation to celebration/settlement day, we guide our buyers through the entire home buying process.

Congratulations – your offer has been accepted! Here are the next steps that need to take place in order to complete the transaction.

1. Home Inspection – the first step after ratification is to schedule the homeJS Realty Home Inspection inspection. At the same time as the home inspection, we will schedule any other inspections we deem necessary. We will meet our buyer and Inspector at the home for the inspection. After a thorough inspection, the Inspector will provide us with a full report of the good features as well as areas of concern about the home. We will review this report with our buyer and decide which items we will ask the seller to fix. If there are major concerns that make the buyer too uneasy about the home then we will void the contract and search for other homes. If the buyer and seller agree to the home inspection terms, then we will move on to the next step. As long as we are comfortable with the inspections, we will proceed.

Note: At this time the buyer has 2 responsibilities: to secure their loan and to obtain homeowners insurance. We handle all facets of the transaction except for these 2 items.

2. Order an Appraisal – the next major step is for the buyer’s Lender to order the appraisal. If the property appraises at or above sales price then we will release the appraisal contingency.

3. HOA Disclosure Packet – also at this time, the buyer will be receiving the HOA Disclosure packet if the home is located in a community that has a HOA. The buyer will have a certain time period, based on method of delivery, to JS Realty Checkboxread the disclosure packet and by Virginia law if they are not content with the rules and finances of the community, the buyer can void the contract.

4. Schedule Settlement Date/Utility Transfer – now that home inspection, appraisal and HOA disclosure contingencies are released we are moving towards settlement/celebration day. We will coordinate a date/time for settlement, and help our buyer schedule the transfer of utilities to their name as of the settlement day.

5. Final Walk-thru – a walk-thru of the home is performed, at the very least the day before settlement. This is where all repairs from the home inspection will be checked to make sure they were made to our satisfaction. We will also run any and all mechanical items to make sure the home is in the same condition as it was on the day we performed the initial home inspection. If there are any discrepancies we will address them with the seller’s agent and have the issues resolved.

6. Settlement/Celebration Day! When settlement/celebration day arrives, we will accompany our buyer to settlement and make sure all the figures on the HUD-1 are correct and help answer any last minute questions our buyer might have.

The JS Realty Team really cherishes this moment for our buyers. From the initial consultation until we reach settlement day, we will work hard to overcome the many obstacles of buying a home to ensure a smooth transaction for our clients. Our satisfaction comes from seeing our happy buyers and in knowing that we have created a relationship that will last a lifetime. The JS Realty Team is not interested in a single transaction, but in forming a relationship with our clients so they know we will be there to help them with their Real Estate needs now and in the future.

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

BEST HOME DEALS IN BRAMBLETON THIS WEEK

Brambleton is full of amazing homes – check out this week’s Best Deals!

JS Realty Redeemer Terrace Kitchen
42677 Redeemer Terrace

Brambleton’s Lowest Priced Townhome this week!

 

JS Realty Angelique Drive Home
22819 Angelique Dr.

Over 6,000 Sq. feet of home for only $674,900!

 

 

JS Realty Bronstein Lane Home

23102 Bronstein Lane

Brambleton’s Lowest Priced Single Family home.

 

JS Realty Mayflower Terrace Condo

42542 Mayflower Terrace

Brambleton’s Lowest Priced 1BD 1BA Condo.

 

 

JS Realty Settlers Trail
22667 Settlers Trail

Brambleton’s Largest Townhouse style Condo at the lowest price.

 

 

Are you thinking about buying a home in Brambleton? Contact us now – we’re the Brambleton Experts!

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

CONVENTIONAL VS FHA LOANS

An FHA loan is a mortgage loan that is insured by the Federal Housing Administration (FHA)

So why is an FHA loan a viable option to be considered?

Compared to conventional loans, an FHA loan offers some advantages for borrowers. Some of these advantages are due to recent changes in the rules for FHA loans, along with some changes in guidelines for conventional loans. Here are some things to consider when looking to purchase a primary residence or even if potentially refinancing a current FHA loan:

  • Allowable debt-to-income ratio: this is often higher on FHA loans than conventional loans
  • Waiting periods: If your credit has been impacted in recent years, FHA has the JS Realty Mortgage Loan Approvedfollowing waiting periods that are often much shorter than for conventional loans.

Bankruptcy (Chapter 13) = 1 year
Bankruptcy (Chapter 7) = 2 years
Foreclosure = 3 years [Conventional = 7 years]
Short Sale = 3 years [Conventional = 4 years]

  • Loan Limits: In the DC Metro Area, an FHA loan is limited to $625,500, with a 3.5% down payment. Conventional loans between $417,000 and $625,500 typically require a 10% down payment.

Recently, the FHA reduced the monthly mortgage insurance factors from 1.35% to .85%. This will mean lower monthly payments for purchases and provides current FHA loans to be refinanced with a lower mortgage insurance payment. For example, on a loan amount of $400,000, there is a monthly savings of $161 with the new monthly mortgage insurance payment. In addition, 100% of the down payment can come in the form of a gift from appropriate sources.

Every borrower has a unique need, as far as their loan is concerned. If you have any questions or would like more information, please contact our preferred Lender, Keith Harris at Intercoastal Mortgage Company.

JS Realty KHarris LenderKeith Harris
Senior Loan Officer

NMLS Registry # 838973
Office: 703.259.0788
Mobile: 703.395.6601
KeithH@icmtg.com

 

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

BRAMBLETON PARKS & ACTIVITIES FOR KIDS

There’s no doubt Loudoun County has tons of kid-friendly places. But did you know how many fun parks, ponds, stores and events were right in our Brambleton backyard?!

RESIDENT EXCLUSIVE EVENTS

3rd Annual Brambleton Bunny Trail
JSRealty Brambleton Easter Eggs
Saturday, April 11th – 10AM – 2PM
This free event is great for kids 6 and under. Stroll along a portion of the Brambleton Trail System and visit vendors along the way where you will participate in a craft or activity. At the end of the trail you will be able to hunt for eggs at the Little Smiles Egg Hunt and visit the petting zoo. This event is for Brambleton residents only and REGISTRATION IS REQUIRED. Please register each child that will participate, not the family. All ages are welcome to walk the trail but the egg hunt is for registered kids aged 6 and under.

Family Comedy Night
Saturday, April 25th – Shows at 6:30PM & 8PM
JS Realty Brambleton Comedy NightWe are excited to bring Taylor Mason to the community! Taylor Mason’s quick wit, flawless comedy delivery, unparalleled ventriloquism skills and brilliant material make him a hit with audiences of all ages. He is a ventriloquist, musician and stand-up comedian and also won Star Search in 1990, beating out some of the best known comics in the country. Show is rated PG; $15 per person. There will be two 30-45 minute shows: 6:30 PM and 8:00 PM at the Brambleton Corner Clubhouse. Tickets are limited, so purchase before they sell out. Please email events@brambleton.org with any questions.

SHOP/DINE AT BRAMBLETON TOWN CENTER

Go Bananas JS Realty Brambelton Go Bananas Birthday Vault
Not your average toy store! Their Exclusive In-Store Birthday Vault was designed just for kids. It is a hands-on gift registry where they “put on hold” those special toys your child dreams of. But you will love it because it will eliminate duplicate gifts and the items are those you have already given your approval.  Check out all the fun details here!

FROOTS
Eat, Drink and Be Healthy! Whether it’s meal time or snack time, Froots has something for everyone to enjoy, including a breakfast menu that is served all day! Check out their website for more details.

BRAMBLETON COMMUNITY PARKS
JS Realty Brambleton PlaygroundA wide array of parks located throughout Brambleton are available to serve the leisure and recreational needs of all Brambleton owners, residents, and their guests. Each park is open between dawn and dusk. Residents accessing parks need to be considerate of adjacent neighbors by using designated trails only. Please do not cut through residential lots.

Belmont Trace Park is located on either side of Connie Marie Terrace, just off Belmont Ridge Road and south Creighton Road, this park boasts a Gazebo, Open Play Field, Outdoor Basketball Court, Outdoor Volleyball Court, and Playground.

Brandt Park consists of playground, swings, and access to Brambleton’s trail system. The park is located on Amber Grove Drive near the intersection of Tradewind and Amber Grove, just west of Northstar Blvd..

JS Realty Brambleton Callalily ParkCallalily Park consists of playground, swings, open playfield, and access to Brambleton’s trail system. The park is located on Minerva Drive at the intersection of Callalily Way, just west of Creighton Corners Elementary.

Dragonfly Park is a small park on Legacy Park Drive between the Community Center and Legacy Elementary and provides passive enjoyment and a beautiful view of Brambleton’s 2nd largest pond. Residents can also access the pond for shoreline fishing from this location. Remember, Brambleton’s pond should only be fished on a “catch & release” basis.

Explorer Park is a small pocket park with a large hill that is used in the winter for sledding. The park also has an open playfield that can be used for neighborhood pickup games by the children. Located on Minerva Drive at the intersection of Explorer Drive.

Legacy Park is central to the community and all it’s activities. An 11-acre park located along Legacy Park Drive between Belmont Ridge Road and Olympia Drive, this park features 2 playgrounds, Basketball Court, Climbing Structures, Lighted Tennis Courts, Open Playfield, Natural Pond, Swings, and Waterfalls! The park is bordered by Belmont Ridge Road, Olympia Drive, Greenside Drive, and Legacy Park Drive. This park is open between dawn and dusk to all Brambleton owners, for residents, and their guests; with exception of the tennis courts. The lights on the tennis courts operate from 5 p.m. to 10 p.m. daily. Keep your assessments down; please be sure to turn off the lights when exiting the courts!JS Realty Brambleton Morning Walk Park

Morning Walk Park features a playground with swings, trails and open playfields. The park is located on Morning Walk Drive at the intersection of Winter Haven Drive.

JS Realty Brambleton Woolsey ParkWoolsey Park consists of a playground, swings, and open playfield. The park is located on Woolsey Drive just south of Frontier Drive.

Tradewind Park this playground also has a rock climber. The park is located on Tradewind Drive near the intersection of Dove Wing.

Trent Grove Park consists of playground, swings, and open playfield. The park is located on Grahams Stable Square at the intersection of Boca Field Terrace.

JS Realty Brambleton Overlook East ParkOverlook East Park consists of a climbing structure and provides a great view for Briar Woods football or soccer games. The park is located adjacent to the water towers on Highcroft Terrace.

 

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