Dee Dee Jones Real Estate Blog: March 2010

A Blog by The Hampton Roads Real Estate Lady! All about buying and selling homes in all Hampton Roads Areas! Chesapeake, Norfolk, Suffolk, Hampton, Virginia Beach, Newport News, and Portsmouth!

Wear Socks While Househunting!

I have a drawer full of colorful pattern socks.  Often my family and children wonder why I always put on stylish but crazy patterned socks.  It is now a habit I formed from showing property.  When a seller has white carpet or a sign that states please remove shoes, I never want to be stuck with dingy and dirty socks so I make stylish socks a part of my wardrobe.  Brian Block with Remax Allegiance in DC states it perfectly in this blog passed on by the Hampton Roads Real Estate Lady.

Via Brian Block -- Northern Virginia & D.C. Real Estate (RE/MAX Allegiance, Managing Broker/Branch Vice President):

Fashion advice on a real estate blog?  Sure... why not?

ShoesSome may see this as fashion, but I see it as practicality and comfort.  To be honest, it doesn't matter to me whether you show up for the home search in a three-piece suit, a leather mini-skirt, plaids clashing with polka dots, or sweatpants.  I just want you to be comfortable and happy for your househunting expedition.

When heading out to go see homes, you'll likely notice that many sellers prefer that you take off your shoes.  This is especially true when the carpets have just been cleaned and/or new carpets installed.  After all, what potential buyer/new owner wants to mess up their own future home with dirt from the outside.  Many homeowners selling their homes post signs admonishing potential buyers to "Please Remove Your Shoes!"

 

I learned this lesson a long, long time ago and generally wear my slip-on shoes as to avoid the repeated tying and untying of shoelaces during a lengthy home search.  However, some of my clients are not as well-informed about this minutiae of the home search process.

 

Barefoot househuntingUntil today, I had never thought to warn my clients and present them with a dress code.  However, I felt very sorry for one of my clients who had to remove her shoes at the 8 homes we visited today and walk around with bare feet on cold marble, tile, and wood floors!

ATTENTION HOMEBUYERS:  PLEASE WEAR SOCKS WHILE HOUSEHUNTING!

Wear Socks While Househunting

 

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If you plan to purchase or sell a home in the Northern Virginia or D.C. area,
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START YOUR NORTHERN VIRGINIA HOME SEARCH TODAY!

"I can dream alone, build alone and strive alone, but true success always requires the help and support of others. Please send me your referrals."

Visit my website today, The Hampton Roads Real Estate Lady! Deandrea "Dee Dee" Jones

http://DJonesRealEstate.com

 

FTC Cracks Down on "Free Credit Reports" That Just Aren't

Are you working on or watching your credit. This is great info from Eleanor Thorne reblogged to you by The Hampton Roads Real Estate Lady!  

I Also recommend http://annualcreditreport.com

Via Eleanor Thorne 919-649-5057 Cary Mortgage Loans NMLS #67179 (First Financial Services, Inc):

I'm tired of that "F-R- Double E Spells FREE" credit report commercial!    Because what they are "hawkin' is NOT free!
Free Credit Reports Are Not FreeThankfully, on March 3, 2010 the Federal Trade Commission file a revision to the Free Annual File Disclosure Rule to address the abuses and deceptive advertising for Free Credit Reports.  This was part of the new Credit Card Accountability and Responsibility Act 2009.

The new disclosure is available now, but must be used after April 2, 2010, per the FTC ruling... however the Radio and Television Ads don't have to go off air until September 1, 2010 (although the advertisements must adhere to the interim disclosure in the Credit Card Accountability Act until then.)

"The pre-existing requirement to make a free annual credit report available to consumers applies to consumer reporting agencies that operate on a nationwide basis.  The new marketing requirements apply to parties that offer free credit reports. For purposes of the requirement, a "Free Credit Report" is a file disclosure prepared by or obtained from, directly or indirectly, from a nationwide consumer reporting agency that is represented, either expressly or impliedly, to be available to the consumer at no cost if the consumer purchases a product or service, or agrees to purchase a product or service subject to cancellation."

I think this is GREAT news for consumers who have been PAYING for what services they don't need!

If you are looking for credit repair from someone who cares about your situation, and will show you how to immediately, and over time imporve your score - please call Steve Thorne, Credit repair specialist 919-649-5058  also check out this site ... it's all about credit repair and dispute information!

"I can dream alone, build alone and strive alone, but true success always requires the help and support of others. Please send me your referrals."

Visit my website today, The Hampton Roads Real Estate Lady! Deandrea "Dee Dee" Jones

http://DJonesRealEstate.com

 

Buying a home in Virginia dont forget about the VHDA's new loan limits

Have you heard of the VHDA loan- it stands for Virginia Housing Development Authority it is a loan design to assist first time home buyers as well as those who have not bought a home in three years. Recent changes to this program began March 1st, 2010 and should not be overlooked.

Effective March 1st, 2010 there are now increased income limits to qualify for a VHDA loan.  Hampton Roads VHDA income limits in our area are now up to 70k up from 63k for a family of 2 or less and are now 81k up from 74k for family of 3 or more. This means the 101.5% FHA/Plus loan is open to more 1st time home buyers and re-purchasers.  This is the max amount you can make for this program.

For more info on this program go to http://VHDA.com or contact The Hampton Roads Real Estate Lady http://DJonesRealEstate.com to find a VHDA lender in Hampton Roads.

Also Remember This program can be combined with up to $8,000 Home buying Tax credit but you must be under contract by April 30,2010 and closed by June 30, 2010.

 

"I can dream alone, build alone and strive alone, but true success always requires the help and support of others. Please send me your referrals."

Visit my website today, The Hampton Roads Real Estate Lady! Deandrea "Dee Dee" Jones

http://DJonesRealEstate.com