THE HOME BUYING EXPERIENCE

You’ve decided to buy a home… a smart decision, considering rental rates are constantly on the rise and interest rates are continuing to hold at near-record lows. The JS Realty Team @ Samson Properties has the knowledge and experience to guide you through the entire process. From your initial consultation through settlement day, we will tailor the buying process to meet your specific needs through the following steps.

1. GATHER INFORMATION
At your initial consultation, we need to gather lots of information from you to aid us in the progression of finding the RIGHT home for YOU. So be prepared for a barrage of questions! You can expect this conversation to include:JS Realty Check List Blank

-Style of home you prefer
-Features of a home that are most attractive to you
-Lot size
-Desired location(s)
Contacting a Lender to get you pre-qualified for a loan
-School districts
-Neighborhood feel

Once we’ve compiled your wish-list, the next step is to set up a personalized search specific to your requests.

2. FIELD TRIP!JS Realty Showing Home
Here’s where the real fun begins. Tours can be set up based on the properties you’ve chosen. While touring, we will ask additional questions in order to continue refining your search. You may choose to add to your current list as well as rule out many already on the list.

3. CONTRACT NEGOTIATIONJS Realty House contract
After you’ve successfully chosen the home that’s right for you, your Realtor’s value and importance will really shine through at this stage of the game. We will negotiate the terms of the contract in order to achieve the best results attainable. Once the terms of the contract are in place, the next most important step is the inspection.

4. HOME INSPECTIONJS Realty Home Inspection
We will now hire a licensed home Inspector who will thoroughly examine the property and provide a detailed report with potential items which need to be addressed. The Inspector will also provide tips for preventative maintenance that can potentially save you money in the future.

5. PLANNING YOUR MOVEJS Realty Calendar Red Moving Day
While waiting for your loan to be finalized and settlement day to arrive, you’ll want to begin planning your move. Once the transaction is settled, you will receive keys to your new home!

Although the buying process is now complete, remember that the JS Realty Team is always available to you for additional questions and any further Real Estate needs. Feel free to contact us at any time!

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

HOME FOR SALE IN VIENNA

This week we are excited to feature a beautiful town home for sale in the highly sought after Dunn Loring Village – 8577 Dellway Lane in Vienna, Virginia.JS Realty Home ViennaThis wonderfully updated town home features 3 bedrooms, 2 bathrooms, and 2 half-bathrooms. There is fresh paint throughout the entire home and hardwood floors on main level. The kitchen was recently remodeled and updated kitchen has new granite countertops, new cabinets, a built-in microwave, and tile floor.

JS Realty House Backyard Fence DellwayA great rec room leads out to a beautiful and spacious fenced in backyard with a deck.  This home is in a great location near major roadways and within a mile of the Dunn Loring Metro Station and the Mosaic District. This home is a must see!

Download the Dellway Lane Brochure.

Call us today at 703-625-3446 to see this home in person!

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

NEW LISTING IN LEESBURG

Just listed for sale in Leesburg, VA – 19253 Evergreen Mills Road.

This charming 2 level rambler has 4 bedroom, 2 full bathrooms and is a short drive to shopping, dining, and entertainment – including the popular Leesburg Corner Premium Outlets! Perfect location for commuters, as it’s just a short drive to Rt. 7, Rt. 15, and the Dulles Greenway.  This home is close to so many amenities, but also offers privacy, with its 1.35 acres.

MAIN LEVEL
The main level of the home features an open layout with a designer front door that leads into a spacious living room. Hardwood floors and crown molding can be found throughout the living and dining rooms. In the gourmet kitchen a beautiful custom tile back-splash is set against oak cabinets. There is plenty of granite counter top space, stainless steel appliances, tile flooring, and access to a spacious screened in porch – perfect for enjoying the morning coffee!JS Realty Leesburg Living Room Home

In the sunroom, enjoy custom tile flooring while tons of natural light filter through all of the windows. And on cold, wintry nights, just get the wood stove going for some additional warmth.JS Realty Leesburg Sunroom Woodstove

The spacious Master Bedroom features hardwood floors, ceiling fan, and tons of natural light. The additional 3 large bedrooms contain closets and plenty of windows. Full bath has tile flooring, vanity, and shower/tub combo.

LOWER LEVEL
In the large Recreation Room that leads to the beautiful backyard, find recessed lights, a nice bedroom with a closet, storage area with a utility area and laundry room, and a full, tile floor Bathroom with a vanity and Jacuzzi tub!

EXTERIOR
The home sits on 1.35 beautifully landscaped acres and backs to trees. The back yard boasts a greenhouse and a large garage with workshop area and extra storage. A spacious screened in porch with a fan is perfect for entertaining, and a deck that is great for grilling. The driveway is paved and has a turnaround area.JS Realty Leesburg Greenhouse

Call us today at 703-475-1003 to schedule a tour of this beautiful home in Leesburg, VA!

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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.

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.

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

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.

FEATURED LISTING IN HERNDON, VA

JS Realty Living Room HerndonWe’ve got a great new listing in Herndon, VA!

2484 Curie Court
Herndon, VA 20171

Check out our video below for details on this charming, 4-level townhome, with tons of natural light.

The Reston/Herndon communities boast great amenities, which include basketball courts, bike trails, jogging/walking paths, tots lots and playgrounds.

Curie Court is only 5 miles from the new Wiehle-Reston East Metro Station! You can also walk to shopping & dining at Village Center at Dulles. This home is a perfect location for commuters – a short drive to Rt. 28, Rt. 50, the Dulles Greenway & Dulles Airport.

Interested in seeing the home in person? Contact Sarah King Taylor at 703-475-1003 or click here to view more information on this listing!

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