It's a giant achievement to buy your first home. Of course with the euphoria is also some fear. It's wise to have a skilled REALTOR® looking out for your top interests, and you'll probably need some advice along the way. I'm absolutely able and ready to provide assistance with buying your first house.
Not all REALTORS® are equally equipped to help you find a home. My dedication to you, my client, is what sets me apart. Here's what you can expect when you use Touch of Sold Realty for your first time home purchase. Let Touch of Sold Realty help you with your first home purchase in Northern Virginia.
I'll lead you through every phase while you're buying your home. From finding the ideal home among all the properties available in Northern Virginia, to providing expert guidance on the closing costs involved.
I'll help you characterize your wish list of amenities that you want in your house, your neighborhood, and your school district.
The financial nuts and bolts of purchasing a house can be overwhelming. I'll walk you through the several mortgages and home buying plans at your disposal.
I'll keep a close eye on all the latest listings, and make sure you see all the properties that meet your needs.
Basically, I will do everything in my power to make sure your home buying process is stress-free.
I'm ready to work for you -- finding the perfect house in the Northern Virginia area is my business!
Why you should choose me to sell your home
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Getting your loan locked down is just one aspect of getting into a new home. Touch of Sold Realty is experienced at aiding new and experienced in all areas of real estate. Contact us if your needs include a real estate pro experienced at the business side of buying and selling. |
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When buying a home, applying for the mortgage loan is troublesome for many people, but it doesn't have to be. I have close relationships with several mortgage lenders in Virginia, and they've helped me learn a few things that will make the process of applying for a loan much easier.
1 – Organize a list of questions about your loan programMake sure you bring a list of questions with you if you don't entirely grasp the advantages and disadvantages of all the various loan programs. Oftentimes, it can be hard to know the distinctions between both fixed and adjustable rate mortgages. I or one of my lender contacts will help you understand the advantages and disadvantages of both. 2 – Decide when to lockLocking in indicates that a mortgage lender keeps to the mortgage interest rates for the loan – ordinarily at the time the loan application is sent in. By floating the rate, you can lock the rate at any time between the day of your loan application and closing. Those who prefer to float conclude the interest rates will decline in the near future. Click here to see the outlook for the next 90 days of interest rates. 3 – Decide if you want to pay additional points to decrease your interest rateIf you opt to pay additional points to lower the rate of your mortgage loan, you will do so by paying for them in cash at the time of closing. Each point is 1 percent of the loan. Click below to use our points calculator. It will assist you with determining if purchasing points is the best option for you. 4 – Bring your paperworkAcquiring a loan requires lots of paperwork, so you should spend some time getting all your documents together. Click here to preview general information that goes on a loan application. |
Home Buying FAQs for HUD-Homes |
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The "Frequently Asked Questions" section is intended to give general guidance to first-time buyers and others who may be interested in purchasing a HUD-owned home. Additional detailed information, instructions, documents, and forms are provided in other sections of this Website. The primary source of information is HMBI' reference manual Guidebook for Real Estate Professionals which is located on the HBMI website. Potential buyers should contact and work through a HUD-registered broker when purchasing a HUD-owned home. General Questions/Buying a HUD Home
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Listing Broker
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Electronic Bidding
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HUD-9548 Sales Contract
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Financing a HUD Home Purchase
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Closing the Transaction
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Direct Sales to Non-Profit Organizations
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Good Neighbor Next Door
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The KitchenMany experts recommend that you focus on the kitchen first when preparing your home for sale. For many potential buyers, the kitchen is the most important room in the house. Since the kitchen has the power to make or break an offer, you should do everything you can to enhance it before showing your home to buyers. And, most experts agree that next to painting, improvements in the kitchen are the most profitable. Remember though, money you spend here is a cost of selling, you don't want to do a full remodel, but rather take some affordable steps to show what you have in the best possible light. Start by creating space. You want the kitchen to look large, light and roomy. Clear the counters of all clutter. Take everything you can out of drawers and shelves and move it to storage. You can almost count on buyers opening your drawers and shelves when they come to see your home. What you want them to see is space, and plenty of it, not your old pots and pans. Consider paint. Paint is always the most profitable improvement. A fresh coat of light, neutral color paint on your kitchen walls will make them look spotless and new. Exactly the look you want. Pay particular attention to the sink. It should be absolutely free of stains and of course there should be no leaks or drips! If your faucet looks old and dated, consider replacing it with a new one, it will go a long way towards improving the look of the whole kitchen, for very little money. Counter tops. If your counter tops are looking old and tired, you should consider new ones. Remember to stick with neutral colors though. Freshen up the cabinets. Replacing the cabinets is expensive and probably doesn't make sense. But you can paint them, or put new, modern looking pulls on them for very little money and give them a fresh look. In short, buyers will be quick to notice any shortcomings in your kitchen. So you want to do everything you reasonably can to freshen up your kitchen and give it a new open large look. |
Buying REO property or a foreclosure in Stafford?
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Is REO property in Northern Virginia a bargain?It is frequently thought that any foreclosure must be a good deal and an opportunity for easy money. This frequently isn't true. You have to be cautious about buying a repossession if your intent is make money. Even though the bank is typically anxious to offload it soon, they are also looking to get as much as they can for it. Time to make an offer?Most mortgage companies have a department dedicated to REO that you'll work with in buying REO property from them. Typically the REO department will use a listing agent to get their REO properties listed on the local MLS. |
Didn't find your dream house listed here? Use our Advanced Search or Map Search to see all Virginia homes for sale. Or just give me a quick call at 540-322-4500 and I'll provide you with a list of all the houses in the Northern Virginia area that matches your needs.
Here are some of the benefits to listing with us: