Tips on getting the best home loan

buyer-faqs

Are You Seeking Information About House Mortgages? Then Check Out These Fantastic Tips!

Are you in the market for a home? Have you considered refinancing the home you already own? If you’re considering borrowing some money to get your home financed, a home mortgage is something to think of. The procedure to get one can be a little confusing, however with the knowledge shared here, it ought to be simpler.

To make sure that you get the very best rate on your mortgage, examine your credit record credit record thoroughly. Lenders will make you an offer based on your credit history, so if there are any issues on your credit report, see to it to resolve them prior to you look for a home loan.

If a 20% money down is just too much, you should consider shopping around with different lenders and types of loans. Different banks will have different offers for you to think about. Terms and rates will differ at each, some will give a lower down payment, however a slightly greater interest rate. Look for the very best mix for your existing circumstance.

Think about the Federal Housing Authority to be your first stop when looking for a new home loan. In many cases, a home loan with the FHA will imply putting a lot less cash down. If you choose a traditional loan, you will be needed to come up with a severe deposit, which can suggest not being able to afford the home you really desire.

Be prepared before getting your home mortgage. Every loan provider will request certain files when applying for a home mortgage. Do not wait up until they ask for it. Have the documents all set when you enter their workplace. You should have your last two pay stubs, bank statements, income-tax returns, and W-2s. Save all these files and any others that the lender needs in an electronic format, so that you have the ability to quickly resend them if they get lost.

You must understand that some mortgage carriers sometimes approve customers for loans they can not actually pay for. It depends on you to make sure you will be able to make the payments on time over the next years. It is sometimes very well to pick a smaller sized home loan although your home loan carrier is being generous.

In case your application for a loan is declined, don’t despair and quit. Attempt another lender to apply to, rather. Various loan providers have different requirements for loan credentials. It is for this reason, that it is beneficial to you to apply with different lenders.

Pay down some of your current your financial obligation. You need to decrease all other debts when you are pursuing financing on a home. Keep your credit in check, and pay off any credit cards you bring. This will help you to acquire funding more quickly. The less debt you have, the more you will need to pay toward your home mortgage.

These are just a few tips that can help you in getting the right loan for your new home. Be sure to shop around, and when you find the mortgage company you would like to use, also check their online reviews…that can help you save money and tons of headache.

For more information about buying a new home, click here.

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Things You Should Know Prior To Selling Your Home

Top home selling tips

Perhaps it’s a new job, or retirement, or you need for a bigger home for your family.  When you realize that you want or need to sell your home, it might seem overwhelming at first.  Where to start?  How much work do I need to do to get it ready?  How much will it cost me?   How long will it take?

Don’t let these worries and concerns hold you back – you can rely on our Key Home Sales team to manage the process with you from beginning to end.  It’s our job to not only make sure you’re fully prepared before your home hits the market, but to also walk with you through every step of the process – to anticipate your concerns and questions, and to take as much of the stress away as possible so you can focus on your move, your next home, the next phase of your life.

You may want to ask us:

   What’s my home worth?

  How much will it cost to sell my home?

  What do I need to do to get it ready for the market?

  What about the home inspection?

  What are the steps in the selling process?

 How will you market my home?

  What if I am buying a home at the same time?

  Should I rent my home out instead?

Read full article here.

Original article by: Keyhm.com

Top Tips For Fall Home Maintenance

Fall home maintenance tips

Summer is winding down and cooler weather will be here before we know it. Taking advantage of mild fall weather and doing some basic maintenance will keep your home cozy during the cold winter months and help prevent costly repairs down the road. Here are some tips to get your home ready for winter:

Inspect the roof and chimney for damage. Inspect any openings in the roof, such as skylight, for signs of leaks.

Check the chimney flashing for gaps and missing or loose pieces. Look for cracks in the masonry. Smaller cracks can be sealed with caulk designed for masonry repair. If you use your fireplace on a regular basis, have a professional clean the chimney. This should be done annually to prevent chimney fires. Test your fireplace flue for a tight seal when closed.

Clean gutters and downspouts throughout the fall season. They can quickly become clogged with dirt and leaves. Check that all support brackets are securely in place, and that water is not coming down behind the gutters. Make sure that water is draining properly. Pooling water can cause damage to foundations, driveways, and walkways.

Early fall is the best time to fertilize and reseed your lawn. Prune your trees and shrubs after the leaves turn to encourage healthy growth.

Clean and store outdoor furniture and cushions. Store cushions in a dry area to prevent cracking and fading over the fall and winter months.

When the weather starts getting colder, turn off the water to your outdoor faucets to prevent pipes from bursting. Remove hoses from spigots, drain and store indoors.

Replace the filter in your furnace and clean the air ducts for higher efficiency and to reduce household dust.

The majority of conditioned air in your home is lost through the windows and doors. Change summer screens to cool weather storm windows and doors. Inspect and repair any loose or damaged window or door frames. Install weather stripping or caulking around windows and doors to prevent drafts and to lower heating bills. Consider adding heavier drapery around drafty windows.

Read full article here.

Original article source: Keyhm.com

Professional Rental Managers in Norther VA

Professional rental managers in Northern VA

Specializing in Northern Virginia Area Residential Property Management

Key Home Sales and Management supply extensive, reputable, and trustworthy residential property management services in the Northern Virginia area. Whether you are a single homeowner or a realty investment firm, we will effectively handle homes that include residential single-family houses, and condos/town houses. Our main goal is to exceed our client’ expectations while saving them time and money.

Our expert knowledge — leasing  regulations, fair housing, VRLTA and Common-Law Virginia Leases , up-to-date on latest in tenant issues, such as mold, fire codes, bed bugs, security deposit and eviction rules — saves you from costly mistakes.

We are not only real estate agents. We are Professional Property Managers. We are members of NARPM (National Association of Residential Property Management) and we are held to a higher standard. We are a fully licensed Property Management Firm in Virginia. 

What makes a professional firm different?

  •   We keep up with the latest legislation and trends in landlord/tenant affairs
  •   We understand difficult issues such as eviction, tenant rights, mold, military transfers, etc. and know how to respond
  •   All rent and security deposits are property handled and accounted for — we follow the rules
  •    We network with other property management firms and attend regular training and conferences
  •   We know that representing you comes first — we never put other real estate business ahead of what you hired us to do — care for your home and tenant
  •   We are an Independent, Licensed Brokerage
  •   We consult with local Landlord/Tenant expert Attorneys
  •   We adhere to both the Real Estate industry and the Property Management industry Code of Ethics

Our property management services in Northern VA include:

  •   Tenant move-in, move-out and pre-occupancy inspections, thoroughly documented with photos
  •   Interim inspections at least twice each year, more often if we feel necessary
  •   Collect rent, pay any bills you want us to pay for you, and deposit your money into your account as quickly as possible
  •   Emergency phone support for you and your tenant — 24 hours a day, 7 days a week
  •   Troubleshoot repair requests with tenants to avoid unnecessary charges, and make needed repairs promptly
  • Read full article here.
  • Original source: keyhm.com

Costs of Hiring a Property Manager

Alexandria property managers

How much does property management cost?

Our property management fees are 8% of the monthly rent for single family homes and town homes.  We charge 10% per month of the rent for most condos.  If someone offers you a lower rate, for the same level of service, please give us the opportunity to match it!

What other fees do you charge?

Unlike many property management companies, we have a VERY short list of miscellaneous fees.  We charge a small fee for negotiating and renewing a lease.  We have a per-event charge for major insurance claim coordination, or if we have to make a court appearance on your behalf.   That’s about it!   If you ask us to forward your mail, there’s a nominal charge.

What if I’m going to be overseas?

Not a problem – about 50% of our clients are living outside the US.  Because our system is web-based, you’ll have a unique and secure log-on portal that allows you to see your account, when rent was paid, any outstanding invoices, copies of documents, work orders – at any time.  We respond to emails early in the morning and late at night, as needed, to accommodate our overseas clients.

What if I find my own tenant?

Because our standards are high, we will not manage a property unless we first review the tenant or applicant, as well as the property, and agree that we are willing to take on the risk.  In most cases this is not a problem.  However, we do ask to process the application and if approved, prepare the lease.  If the tenant’s already in place, we’ll make a decision after a review of your property and in consultation with you.

Read full article here.

Click here to read about property management services in Alexandria, VA.

Original source: keyhm.com

Keep Mosquitoes Away With These Plants

Mosquitoes repelant plants

There is nothing worse than being chased inside by mosquitoes. You can buy expensive sprays or hire a company to treat your yard, but there are also some natural and attractive alternatives to help keep mosquitoes from ruining your time outside.

The first and most obvious step is to eliminate breeding places. Any object that can hold as little as a few tablespoons of water for seven to ten days, the time it takes for eggs to hatch and larvae to mature. Commonly overlooked breeding spots include clogged gutters, abandoned buckets, and corrugated plastic tubing used for drainage. Change the water weekly in bird baths, wading pools, outdoor pet bowls or anywhere else you might find standing water around your property.

If your yard contains large water troughs, ponds or other areas with standing water, you can use Bt (Bacillus thuringiensis israelensis), a naturally occurring bacterium that kills mosquito larvae, yet is nontoxic to people and fish. Many garden centers sell mosquito dunks or granulated products containing this fast-acting biological larvicide.

There are also a number of plants that naturally repel mosquitoes. Most of these are attractive plants that will add beauty to your garden while keeping the mosquitoes away.

Citronella – One of the most common ingredients in most mosquito repellents. Citronella is a beautiful perennial clumping grass that emits a strong aroma. That aroma masks other scents, and keeps mosquitoes from being attracted to things located around it. The citronella plant has a much stronger aroma than other mosquito repellents that contain citronella, so it is a great choice. Citronella is very easy to grow, and can get to be a very tall 5 or 6 feet high. You can grow citronella in pots and place it around a porch or patio, or you can plant it directly in a yard or garden bed.

Lemon Balm – A member of the mint family, the plant also known as horsemint and beebalm is an easy plant for beginning gardeners to grow. Lemon Balm is also a very hardy plant, it resists drought, and flourishes even in shade. It is a very fast growing and sometimes aggressive plant, so you might want to contain it to a pot, where you can move it to wherever you like to ensure that it doesn’t take over your garden.

Catmint – Catmint (catnip) can be found thriving almost anywhere. It is very easy to take care of and may even start to invade other areas of your garden. If you are willing to forgo this plant’s insidious nature, it is an amazing mosquito repellant. In fact, in a 2010 study, researchers found that catnip is 10 times more effective than DEET, the ingredient commonly found in bug repellents. Not only will catmint keep the mosquitoes away, but your neighborhood cats will love you for planting it!

Marigolds – A bright, hardy annual plant, marigolds are a great choice for repelling mosquitoes. Marigolds contain Pyrethrum, an ingredient found in many insect repellents, and they have a unique aroma which bugs find repulsive. The flowers themselves are beautiful and can make a great border or addition to any flower bed. Try placing them around borders of your home, and mosquitoes might not want to cross over.

Lavender – Along with beautiful purple flowers that attract butterflies, lavender in your garden will help keep mosquitoes away.

Peppermint – Most bugs despise the smell and taste of peppermint, so planting it around your home is a great way to keep them away from your home.

Rosemary – Rosemary is a beautiful flowering plant that is often used in cooking, but it is also a natural mosquito repellent. It’s perfect to add to your herb garden or flowerbed to keep bugs away, and it even attracts butterflies!

Read full article here.

Original Source: Keyhm.com

Tips on Keeping Your Car Running Like New

Tips on keeping your car running like new

When automobile trouble strikes, you might be confused about exactly what to do. If you have no idea about auto repairs, you must do your research. Thankfully, this piece has guidance you can use to keep your car running like new.

Be ready for any emergency situation by equipping your vehicle with a well equipped emergency situation kit. This kit needs to have the devices to change your tires when it come to an accident. In addition, you should have a flashlight with totally charged batteries, a blanket and other things.

Request referrals to find a great mechanic. Talk to others you trust to see if they can refer you to a good mechanic. You can find out about the quality of service and the expenses. Finding a local mechanic that is professional and trustworthy should be your priority.

Each time you’re going to have an automobile fixed, you need to get a record of exactly what is done to it. If your automobile has issues in the future, it is useful to be able to give your mechanic all such records. If you don’t have a record of previous work, it might cost you money and make it hard for the service technician to diagnose the problem.

Do not get stuck to a mechanic who will certainly make repairs on your ride that are not required. A dependable mechanic will certainly tell you if any parts are worn down and need replacing. However, they must request your approval before changing them. If a car technician performs unnecessary repair services or repair works that were not agreed upon beforehand, do not return to them for further services. For more information about auto repair services, click here.

Do not leave any products in your ride if you are taking it to be repaired. To get the task done, mechanics might have to remove your things and if something need to end up missing, they can not be held responsible. You wish to eliminate products from your trunk also.

Regularly clean your headlights to keep them shining bright. The lights can end up being layered with roadway grease and dirt, which will certainly prevent the optimum quantity of light from shining. Usage glass cleaner to wash any dirt far from them.

Know what your dashboard warning lights mean, and keep an eye on them. Your dashboard lights alert you of potential problems. If you ignore them, you might end up with expensive issues down the road.

When your car breaks down, the sensation of dread can overwhelm you. You need to understand vehicle repair works a minimum of rather to feel more positive. The info in this short article ought to provide you the guidance had to have your car repaired correctly.

For more car care tips, click here.

Tips on Finding a Reliable and Professional Moving Company

Moore movers

Picking a moving company from among the many offered options can be overwhelming. You probably have a couple of pals who have actually recently transferred and can recommend a business, and there are lots of movers’ advertisements online and offline. You can quickly find a moving business– however is it the right one?

The process of choosing a mover differs a little depending upon what type of step you’re planning, however a couple of vital factors are constant.

Hire Licensed Professionals

The first and essential indicate examine is the company’s legal condition. Movers may declare to be accredited and guaranteed, however unless you can verify the veracity of that claim, do not take it at face value.

In-state moves. Many states have carried out guidelines and policies to keep track of home products carriers at a regional level. Usually the authorities responsible for managing intrastate movers are either the state Department of Transportation or the Public Utilities Commission. Contact the appropriate authority.

Out-of-state steps. Contact the Federal Motor Carrier Safety Administration (FMCSA), the company that gives permits to all moving business taken part in the interstate transport of home items. The FMCSA routinely performs security, financial and legal compliance audits to secure consumers, and the information is available as a public record. The firm’s Safety and Physical fitness Electronic Records System website permits you to check whether a mover is certified and guaranteed, in addition to the outcomes of their inspections.

Overseas steps. Ensure that the ocean transport intermediary involved in the moving process is licensed by the Federal Maritime Commission (FMC), the federal firm responsible for managing U.S. worldwide ocean transportation to secure U.S. customers. Do not even think about transferring to another nation without looking into whether your chosen business has actually been approved by the FMC.

Track record research

Once you have actually confirmed a mover’s legal condition, measure its credibility. Moving businesses invest a lot of money on marketing, attempting to convince you that they are the very best pick. Don’t be an easy catch– keep in mind that ads are skillfully developed to attract you and occasionally misinform you.

Recommendations from other individuals who have actually experienced the difficulties of moving can be valuable and trustworthy. When you comb through testimonials of movers, pay attention to remarks about business’ mindsets throughout the entire moving process.

Do not rush to write off a moving company just due to the fact that someone had a bad opinion of it. Keep in mind how the company has actually tackled the issue. The consumer who left the unfavorable feedback might have been too picky. However, if there are too many bad opinions about the business, then you must avoid it.

When collecting details on movers, focus on features such as subscription in moving associations and local neighborhoods, and other special accreditations. Participation in moving industry groups indicates that the company has adopted an innovative method to business and keeps up with exactly what’s happening in the market.

A strong presence in social media networks is a good sign that the business keeps the lines of communication open.

Added-value services

By now you should have limited a list of certified and credible movers. So far, so great– however don’t stop there. Check out how crafty movers can be when it comes to taking apart furniture and electronic devices, loading items of very high value, offering customized pet crates to ensure safe transport for works of art, or utilizing a rigging system and a lift to raise items through a window.

Can the business provide professional cleaning company after the step is over? Does it have its own storage facility? Discover exactly what other additional services are available, and at exactly what rate.

For more information about moving services, click here.

Home Repairs and Improvements That Increase Home Value

Kitchen and bathroom remodel Lawrence

Have you really given any serious thought to whether or not you’re qualified making those house repairs? Even if it’s only replacing a wall socket or a wax ring on a toilet, touching the wrong wire or leaving a loose screw can open up a can of worms that you do not desire opened. The following pointers and facts might show to be very useful one day.

When preparing a home renovations with your contractor, be honest about your spending plan. While numerous house owners are afraid that they will get swindled by a specialist if it is known just how much money they have to invest, the truth is that being truthful will certainly get you more ideal outcomes. The professional is free to budget for much better work and higher-quality materials if they know your real expense ceiling.

If a cost sounds too good to be real, it most likely is. Ensure you get price quotes from multiple professionals prior to deciding on a company. It’s appealing to choose the company that can be found in thousands of dollars lower than their competitor, but commonly you’ll wind up paying for inferior work that could have been avoided by choosing the more reasonably priced business.

Focus on outside lighting for your next home improvement task. Setting up an outdoor movement detector is a great option; the sensing unit will certainly ensure that the light only begins when you need it to. Not only does this save you money on energy expenses, but the motion detector is likewise a good security feature. It notifies you if anybody is walking around your house.

Prior to using your kitchen cabinet drawers to put your utensils and other things in, think about a solution to keep them clean. A great deal of discount rate and dollar stores sell vinyl wallpaper that has an adhesive back. Cut a piece of the adhesive wallpaper to fit your drawer, then remove the backing and adhere. Taking this step will prevent your drawers from getting damaged and the wallpaper can be quickly peeled and changed. For more information about kitchen remodel, click here.

If you act without understanding what you’re doing, it’s bad for you or your home. The suggestions you simply checked out certainly do not cover every kind of house enhancement repair and/or concept, however you never ever understand when they might be available and useful. Hopefully you have actually picked up one or two ideas for your next job.

For more information about bathroom remodel, click here.

Summer Fun at Northern VA Water Parks

Norther VA water parks summer attraction

August is approaching, and it can get hot in Northern Virginia, sometimes hitting triple digits! Luckily, you don’t have to travel all the way to the beach to cool off. There are many great water parks that offer a wide variety of activities throughout our region.

At SplashDown Water Park in Manassas you can experience the thrill of two 4-story waterslides, shoot through two Cannon Ball Slides and whirl through the Tropical Twister.  Test your skills on the Lilly Pad and the Log Walk.  Young visitors will enjoy the never-ending bubblers and spray fountains in Sandcastle Kids Kove, along with the interactive slides and their own play area. On Thursdays from 9 to 10:30 am, kids five and under and their caregivers get the park all to themselves!

Great Waves Water Park  at Alexandria’s Cameron Run Regional Park  features 20 acres of wave pools and waterslides. If you need a break from the water, the park also features a deluxe miniature golf course, a nine-station batting cage, picnic shelters, and a special events pavilion.

Ocean Dunes Water Park in Arlington features one of the region’s largest water dumps. The big blue bucket holds 500 gallons of water!  There are sprays, fountains, and a wading pool for younger visitors. There are also regular swimming pools for those looking to swim laps. When you’re ready to dry off, you can entertain yourself with a round of miniature golf or you can hit the batting cages.

Volcano Island in Sterling features a 500-gallon dumping bucket, a main pool with a 230-foot open slide, and a 170-foot dark slide.  There’s a wading pool, sandy area, and sprinklers for younger children to enjoy. An 18-hole miniature golf course is also adjacent to the park.

Water Mine in Reston features Rattlesnake River, a “lazy river” that you float down in an inner tube. “Big Pete” and “Little Pete,” are two sets of slides that dumps you into a four foot pool. Younger children can climb through a covered wagon that ends with a water slide, and the littlest visitors can romp through Tenderfoot Pond, a splash area with pint-sized slides and geysers. The Water Mine is located in Lake Fairfax Park, home to a 20-acre lake, marina, carousel, and skatepark.

Read full article here.

Article written by Allison B.

Original source Keyhm.com