Greetings Virginia Real Estate Team Client Appreciation Movie Night

Each summer, the Greetings Virginia real estate sales team with Keller Williams Realty team hosts a client appreciation party to acknowledge our past clients, friends, family, and referral partners. Our real estate sales business is largely referral based from our happy past clients that refer us to their friends, families, and co-workers are in the market to Buy a Home, Sell a Home, or Invest in Real Estate.

When you buy a home or sell property with Greetings Virginia, you become a part of our GV Insider’s Club where we become your advocates for life. In addition to inviting you to great events like our annual Movie Night, we will be available to refer any resource to you that you may need in the future. Our extensive connections include close, well vetted relationships with almost any resource that you may ever need. Need a handyman or plumber or a chiropractor or massage therapist? Just pick up the phone and call us and we will introduce you. This is just another way that we provide World-class Solutions to our clients and past clients.

Members of our GV Insider’s Club enjoy invitations to free events such as Movie Night as well as our Christmas Tree Exchange and Toy Donation. In addition, we also support unwanted, abandoned, abused, or stray pets to be rescued and placed into loving homes by helping Homeward Trails Animal Rescue.

 

Check out a few photos from our last Greetings Virginia client appreciation Movie Night:

 

Some brought their kids and had loads of fun!

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Your Home Sold in 72 Days Guaranteed

Guaranteed Home Sold in 72 Days – Greetings Virginia Real Estate Sales Network

Your Home Sold Guaranteed

GUARANTEED Home Sold in Virginia

While every agent will promise to sell your home, the reality of the real estate market today is that, this simply doesn’t always happen. Needless to say, this is highly frustrating to a home seller like you. Well, we set ourselves apart from most agents by being accountable to you. In other words, we don’t just promise to sell your home, we Guarantee it. Our Sell Your Home in 72 Days campaign is as simple as this:

We guarantee to sell your home in Virginia within 72 days or we will buy it.
As you can see, we put our money where our mouth is. Instead of making you empty promises, we give you a written guarantee of performance and if we don’t live up to this agreement, you pay us absolutely nothing at all. We’re taking all the risk so you don’t have to, and this gives our many clients much greater peace of mind in the home selling process.

Want to know more? Just fill out this short inquiry and we will contact you soon.

Your Home Sold GUARANTEED!

Your Home Sold GUARANTEED!

 

 

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10 Genius Ways to Make Your Backyard a Blast

Party time! No matter what you’re serving—family-friendly fruit punch or tropical drinks of a different sort—entertaining at the height of summer all but requires a versatile cooler like this one. Easy to move, maneuver, and set into place, the TRINITY Stainless Steel Cooler delivers far more durability than something made of styrofoam, not to mention a dramatic upgrade in style. While the generously sized, insulated cooler compartment fits as many as 96 aluminum cans, the two-sided lid, bottle opener (and cap catcher), rear drain plug and handy bottom shelf all combine to make the unit worthy of a place on your deck, porch, or patio. Available at Amazon; $152.14.

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Enter Bob Vila’s Outdoor Bar Giveaway with Quikrete Today!

Warm weather is here to stay! Most homeowners celebrate the season by spending time in the backyard. But whether you prefer lounging on the patio or hosting neighbors for a barbecue, creating an entertaining and functional outdoor space is a big investment. That’s why we partnered with Quikrete to give away the materials and labor to build an outdoor bar!

Enter Bob Vila’s Outdoor Bar Giveaway with Quikrete today and every day this month (starting at 12:00 p.m. EST on April 30, 2017 through 11:59 a.m. EST on May 31, 2017) for your chance to win!

ENTER HERE!

Quikrete Giveaway

Photo: istockphoto.com

Quikrete is the leading brand for concrete and concrete-related building, repair, and home improvement projects. The easy maintenance and modern appearance of concrete appeal to many homeowners. If you’re not sold on the traditional sidewalk-gray shade, use Quikrete products to customize the appearance of your concrete and achieve your desired aesthetic. The Liquid Cement Color, for example, can change the coloring of concrete, while the Translucent Concrete Stains creates a multi-toned look.

The winner of Bob Vila’s Outdoor Bar Giveaway with Quikrete will receive the materials and labor necessary to build an outdoor bar. In addition to supplying the materials to make the base of the bar and the concrete countertop, Quikrete will provide the following products:

  • QUIKWALL® Surface Bonding Cement: a plaster-like material used to build strong and waterproof block structures without mortar. The bonding cement, which is simply mixed with water, is alkali resistant and reinforced with fiberglass.
  • Countertop Mix: a flowable high-strength mix that will create the countertop of the bar.
  • Liquid Cement Color: a permanent liquid coloring agent to add customized color to the concrete project.

Enter today and every day in May to increase your odds of winning an outdoor bar from Quikrete! To learn more about Quikrete, click here.

“Bob Vila’s Outdoor Bar Giveaway with Quikrete” is open only to permanent legal U.S. residents of the 48 contiguous states and the District of Columbia. Void in all other geographic locations. No purchase necessary. Void where prohibited. Contest Period for Prize runs from 12:00 p.m. (EST) Sunday, April 30, 2017 through 11:59 a.m. (EST) Wednesday, May 31, 2017. One entry per household per day on BobVila.com. Must submit name and email address using the online “Bob Vila’s Outdoor Bar Giveaway with Quikrete” submission form. Alternative means of entry for Drawing is available by faxing your name and address to 508-437-8486 during the Entry Period. Odds of winning depend on the number of eligible entries received. By entering, all entrants agree to the Official Rules.

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Home Inspections: Items That Aren’t Deal-Breakers

Editor’s Note: This was originally published on RISMedia’s blog, Housecall. See what else is cookin’ now at blog.rismedia.com:

After making an offer on a home, you’ll enter into a contract. Part of that contract should always include getting a home inspection. It is recommended that any homebuyer make an offer to purchase contingent upon a home inspection. This allows you to withdraw your offer if there are any major issues discovered during an inspection.

More than likely, the home inspector will find problems that need to be fixed before closing. Major foundation issues and significant water damage are at the top of the list of signs to walk away from.



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On the other hand, there are some home defects found during an inspection that don’t have to be deal-breakers. Many of them can be fixed, and they can be used to negotiate with the seller for a lower price point or additional help with the closing costs.

Lead-Based Paint
Lead-based paint was banned in 1978, but it’s still possible that you could purchase a home that contains it if it was built before the ban. The sellers should disclose this, but the home inspector may find it, as well.

Ultimately, it is up to you to decide how comfortable you are with purchasing a home that has lead-based paint, but it doesn’t have to be a deal-breaker. You can hire a contractor who is certified to remove lead-based paint, and the home will be completely safe.





Concrete Floor Cracks
Cracks in a concrete basement floor may seem like a structural problem, but this is natural and not indicative of significant damage. Small cracks occur in concrete because it’s a porous substance. These cracks can be fixed at a relatively low cost, and shouldn’t be a reason for you to back out of a contract.

What is something that’s cause for concern are cracks in concrete walls, as these may or may not be associated with the structure. If the wall has moved or if the cracks have a large opening, then these would be deal-breakers.

Mold
Mold is something that no one ever wants to see in a home you put an offer on, but a little bit of mold by the shower doesn’t mean you need to back out of your offer—at least not immediately.


If mold is found during the home inspection, have a qualified mold inspector take a look. Not all molds are toxic, but the safest way to determine if this is a deal-breaker is by hiring a mold professional.

Bug Infestations
Bug infestations can cause significant damage to the home’s structure if they aren’t exterminated quickly and efficiently. A home inspector may find signs of an infestation during an inspection, but how do you tell if it’s truly a deal-breaker?

The best way to know if there is pest damage to the home’s structure or foundation is to ask a qualified pest expert to do an additional inspection of the home. Someone who is a specialist will be able to tell you if the home just has a few bugs, or if you need to rescind your offer.

When problems arise during home inspections, it doesn’t always mean you have to back out of your contract. Home inspectors will often find problems outside of their scope of expertise, so always get a second opinion from a specialist before making a final decision. In many instances, these problems are opportunities to negotiate with the seller. You can request that the seller do the repairs, or ask for money to put towards repairs.

You can also ask the seller to include a home warranty on the home in the contract of sale, but it won’t repair the problems found in a home inspection contract. A home warranty is there to protect you from aging systems and appliances after you buy. Think of getting car insurance on a car that was just wrecked and then opening a claim—it wouldn’t work, because the insurance was put on after the damage happened. The same goes for a home warranty.

Whitney Bennett is the SEO specialist at a home warranty service provider headquartered in Utah.

For the latest real estate news and trends, bookmark RISMedia.com.

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How to Get Rid of Private Mortgage Insurance

(TNS)—If you bought a house with a down payment of less than 20 percent, your lender required you to buy mortgage insurance. The same goes if you refinanced with less than 20 percent equity.

Private mortgage insurance, called PMI for short, is expensive—but you can remove it after you have met some conditions.

You should know, however, that although you can cancel private mortgage insurance, you cannot cancel recent Federal Housing Administration insurance.



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Canceling PMI Sooner
Here are steps you can take to cancel mortgage insurance sooner or strengthen your negotiating position:

  • Refinance: If your home value has increased enough, the new lender won’t require mortgage insurance.
  • Get a New Appraisal: Some lenders will consider a new appraisal instead of the original sales price or appraised value when deciding whether you meet the 20 percent equity threshold. An appraisal generally costs $300 to $500.
  • Prepay on Your Loan: Even $50 a month can mean a dramatic drop in your loan balance over time.
  • Remodel: Increase your home’s market value, then ask the lender to recalculate your loan-to-value ratio using the new value figure.

Refinancing to Get Out of PMI
When mortgage rates are near record lows, as they are now, refinancing can allow you not only to get rid of PMI but can also reduce your monthly interest payments. It’s a double whammy of savings.

The refinancing tactic works if your home has gained substantial value since the last time you got a mortgage. Let’s say you bought your house three years ago for $100,000, and you borrowed $90,000. That means you have a loan-to-value ratio of 90 percent, and you pay for PMI.





Three years later, you’ve made all your payments and you have chipped away at the loan balance. Now you owe $85,000, and your home’s value has gone up—now it can be appraised at $112,000. Its value has grown 4 percent a year.

At this point, you owe $85,000 on a $112,000 house. This means you owe 76 percent of the home’s value—well under the 80 percent loan-to-value that triggers the need for mortgage insurance. Under these circumstances, you can refinance into a new loan without having to pay for PMI.

Many loans have what’s called a seasoning requirement that requires you to wait at least two years before you can refinance to get rid of PMI. So if your loan is less than 2 years old, you can ask for a PMI-canceling refi, but you’re not guaranteed to get approval.


What Mortgage Insurance Is For
Mortgage insurance reimburses the lender if you default on your home loan. You, the borrower, pay the premiums. When sold by a company, it’s known as private mortgage insurance, or PMI. The Federal Housing Administration, a government agency, sells mortgage insurance, too.

Know Your Rights
By law, your lender must tell you at closing how many years and months it will take you to pay down your loan sufficiently to cancel mortgage insurance.

Mortgage servicers must give borrowers an annual statement that shows whom to call for information about canceling mortgage insurance.

Other Requirements to Cancel PMI
According to the Consumer Financial Protection Bureau, you have to meet certain requirements to remove PMI:

  • You must request PMI cancellation in writing.
  • You have to be current on your payments and have a good payment history.
  • You might have to prove that you don’t have any other liens on the home (for example, a home equity loan or home equity line of credit).
  • You might have to get an appraisal to demonstrate that your loan balance isn’t more than 80 percent of the home’s current value.

Higher-Risk Properties
|Lenders can impose stricter rules for high-risk borrowers. You may fall into this high-risk category if you have missed mortgage payments, so make sure your payments are up to date before asking your lender to drop mortgage insurance. Lenders may require a higher equity percentage if the property has been converted to rental use.

©2017 Bankrate.com

Distributed by Tribune Content Agency, LLC

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Homeowners Making Improvements Despite Political Uncertainties

Homeowners are springing more for upgrades to their homes, despite unknowns that have the potential to impact their spending—a full 60 percent more than what they spent in 2016, according to a new report by HomeAdvisor.

“Home improvement activity is showing resilience in the face of political shifts,” says Brad Hunter, chief economist at HomeAdvisor. “While there is a sharp divide in how homeowners feel about the economy and the current presidential administration, that divide is not affecting their willingness to take on home projects.”

Thirty-five percent of the homeowners surveyed for the report, the 2017 True Cost Report, are confident the Trump Administration will put policies in place that will improve their finances—but 80 percent will carry out upgrades, anyway.



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The report also found:

HomeAdvisor’s True Cost Report Infographic (PRNewsfoto/HomeAdvisor)

HomeAdvisor’s True Cost Report Infographic (PRNewsfoto/HomeAdvisor)

Source: HomeAdvisor

For the latest real estate news and trends, bookmark RISMedia.com.





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