5 Factors That Decide Your Credit Score

Credit scores range between 200 and 800, with scores above 620 considered desirable for obtaining a mortgage. The following factors affect your score: 1. Your payment history. Did you pay your credit card obligations on time? If they were late, then how late? Bankruptcy filing, liens, and collection activity also impact your history.Credit Cards photo credit: Andres Rueda photo credit: Andres Rueda 2. How much you owe. If youowe a great deal of money on numerous accounts, it can indicate that you are overextended. However, it’s a good thing if you have a good proportion of balances to total credit limits. 3. The length of your credit history. In general, the longer you have had accounts opened, the better. The average consumer's oldest obligation is 14 years old, indicating that he or she has been managing credit for some time, according to Fair Isaac Corp., and only one in 20 consumers have credit histories shorter than 2 years. 4. How much new credit you have. New credit, either installment payments or new credit cards, are considered more risky, even if you pay them promptly. 5. The types of credit you use. Generally, it’s desirable to have more than one type of credit — installment loans, credit cards, and a mortgage, for example. For more on evaluating and understanding your credit score, visit www.myfico.com.

Properties in Braddock District

**OPEN HOUSE SATURDAY 4/13 from 12-2pm- JUST STOP BY!!** Welcome!! Step into this inviting home that features 5 bedrooms, 2.

5524 Eastbourne Dr

5 bathrooms, fully updated with luxurious flooring and exquisite finishes throughout. The main level boasts a spacious family room, a versatile office/bedroom with large walk-in closet, half bathroom, utility room, and a brand new professionally designed kitchen with Alan & Roth soft-close cabinets, upgraded quartz countertops, new Samsung stainless steel appliances, recessed lighting, and a full counter to cabinet backsplash! Step outside onto the covered patio - perfect for family gatherings, or simply to enjoy the beautiful weather. Upstairs, discover the primary suite with an abundance of natural lighting, and a fully remodeled primary bathroom featuring Alan & Roth double sink vanity, quartz countertops, and large walk-in shower. Three additional great size bedrooms, fully renovated hallway bathroom, and an additional living room/family room that leads to a large back patio & private yard. This home comes with numerous upgrades including a new roof, gutters with covers, energy-efficient windows, sliding patio doors with built-in blinds, a new front door with entry lock deadbolt, and all new interior doors. Enjoy the newly refinished hardwood floors, LVP flooring on the first level, and all new renovated bathrooms. Additional highlights include new ceiling fans, interior light fixtures, DECORA switches and receptacles, fresh paint, and a newly sodded backyard and side area. Located in Springfield, this home offers a convenient & quiet location with access to a variety of amenities, including shopping centers, dining options, and recreational facilities. Easy Pedestrian Access to Elementary and Secondary Schools, and Close to Rolling Road VRE, Metrobus Stop with Service Direct to Pentagon, Close to I-495, Braddock Road, FFX Parkway - A Commuters Dream!! Don’t miss out on this beautiful home! [Kings Park - $825,000]

OPEN HOUSE Sat & Sun, April 20 & 21, 1-4pm*Incredible 4 BR/4 full bath/2 half bath property in an unmatched location on an acre of private, fenced land w/ NO HOA*Sitting on the covered, front porch gives you a secluded feeling but is within 1 mile of the Costco Plaza & Wegmans*You'll be sold on this property before even entering the front door w/ a flat acre that offers multiple stone patios, custom landscaping, & a heated pool*Covered front porch*Main level master suite, w/ huge walk-in closet w/ custom built-in shelving & walks out to its own private deck & the heated pool*gorgeous master bath with frameless glass shower, separate tub, heated towel rack & beautiful tiling*amazing kitchen/great room is the heartbeat of the property w/ cathedral ceiling, recessed lighting, 42" cherry cabinetry, dual sinks, dual wall ovens, breakfast bar island & space for huge kitchen/dining table, which walks out to unmatched back yard & pool*laundry/mud room off of kitchen w/ custom cabinetry & sink and complete w/ a full bath featuring a roll-in shower*heated floor in laundry/mud room & bathroom*insulated garage off of mudroom features its own mini-split hvac system, high ceiling, & custom built-in shelving, oversized garage doors, a workshop area, 3 entry doors from rear, side & front & pull down stairs to added storage space*HW flooring main & upper levels*Upper levels features 3 BRs, one w/ an en-suite full bath and 2nd full bath in the hall*3 hvac zones serve the house; upper level has its own zone in the attic and 2 other zones servicing main and lower levels are both gas 90% efficient systems fed by a propane tank*2 tankless gas water heaters*replaced, insulated, double-pane Jeld-Wen windows with clad exterior and wood interior*lower level with wonderful, stone fireplace, laminated wood flooring, theatre/movie room, den/office/exercise room, half bath, utility/storage rooms & walks up to the pool area*lot includes two sheds, built-in grilling station, & a very expensive paver driveway*replaced spetic system when house was expanded in 2006 - new tank, distribution box, field**Welcome Home!.

4806 Spruce Ave

This large classic country, split level, is freshly pointed up and getting some remodeling ready to be called home! More pics to come! Generous rooms, a 1 car garage, side attached office or den, huge lot and nestled in sought after Canterbury Woods!! Main entrance walk into lower level featuring rec-room with wood burning fireplace, one bedroom, a full bath, and pass through french doors to a addition that can be a office , den or playroom.

5026 King Richard Dr

The Upper level hosts the kitchen, formal living room, formal dining area and a walk out to rear yard., three bedrooms and one full bath. The owners suite features a half bath and all bedroom rooms have natural hardwood floors. The location is spectacular! 1/2 mile from the washington area beltway ( I-495) and a few minutes to Tysons corner or I-395 to the pentagon & DC. The public school district pyramid is one of the most sought after in No. VA. Just minutes to grocery , fitness, retail conveniences, restaurants + Parks & recreation. NO HOA! [Canterbury Woods - $875,000]

CASH ONLY.

10340 Rein Commons #2f

CASH ONLY. CASH ONLY. CASH ONLY Amazing layout in this 3 Bedroom unit! Upgraded with Quartz counters and tile in the kitchen, New cabinets, new appliances have been ordered.. completely renovated bathroom, and beautiful new floors throughout the unit. New paint. Master has separate vanity & 2 Closets! 6 Min Walk to VRE ( & Farmer's Mkt), and so close to all amenities! The lowest priced 3 bedroom property in Fairfax. it is a turn key unit waiting for a new owner. one fee covers Common Area Maintenance, Exterior Building Maintenance, Insurance, Lawn Maintenance, Management, Sewer, Taxes, Trash, Underlying Mortgage This unit is being offered as a cash sale only. This complex is in the final steps of converting to a condominium complex. This means an instant equity in the value of your unit once the conversion is done. The asking price includes an amount of approximately $16 K in underlying mortgage. A FABULOUS OPPORTUNITY! [Burke Centre Station Commons - $255,000]

So many beautiful updates in this 4 bedroom, 3 full bath split foyer home with a 2 car garage! All new/ newer flooring throughout.

5423 Aylor Rd

Kitchen updates include new stainless appliances, painted cabinets, pantry space, island and backsplash! Recent roof replacement and newer windows, water heater and HVAC. The expansive deck was re-built in 2017 and can be accessed from the family room or kitchen. You will want to spend time here relaxing or entertaining as you overlook a large backyard with plenty of space for play, gardening or pets! Lovely 1/3 acre, fully fenced lot on a cul-de-sac. Three spacious bedrooms and 2 full baths upstairs. Bottom level hosts the fourth bedroom, another full bath, and large rec room with wood burning fireplace. All of the updates have been done so tastefully, this a true move-in ready home with all the Burke Centre amenities which include: 5 community pools, clubhouse, tennis/pickleball courts, tot lots, trails. Robinson Secondary schools. One mile to VRE and tons of convenient shopping, restaurants and other commuting routes! WELCOME HOME! [Burke Centre - $870,000]

AMAZING LOCATION & VALUE! Welcome Home to this bright and beautiful updated one-bedroom, 1 bath just inside the Beltway, with easy access to 495, George Mason University, Northern Virginia Community College, and Fairfax INOVA Hospital.

4921 Americana Dr #104

Condo Fee included ALL Utilities, Except for Electricity. This Unit is Lovingly maintained. This sunny patio condominium in Tall Tree Gardens has its own exterior entrance without any stairs, facing the beautiful green common area with matured trees. Seller spent $30K on updates and upgrades in 2020 & 2021. This unit is loaded with new updates and upgrades in 2021- New Kitchen w/ Granite Countertops, New Cabinets, New Appliances, and New Range Hood. Also, a New Bathroom, New Recessed Lights in Living Room, and New Paint in 2021. A New HVAC System in 2020. There's nothing for the new owner to do. Except move-in and enjoy. Generously sized private storage locker and common laundry are located in building basement. Unassigned parking is plentiful and convenient. Dog friendly neighborhood with pet clean-up stations. Lots of Shops and Restaurants nearby. Mosaic District Shopping Mall is only about 6 miles away, and Tysons Corner Mall is only about 9 miles away. This unit won't last! [Fairfax Heritage - $215,000]

Spacious 1 bedroom, 1 bath condo close to I-495, schools, shopping, and more! New paint and floors throughout.

4931 Americana Dr #103

New microwave and refinished cabinets. This beautiful condo is nestled in the back of the neighborhood and is surrounded by trees. This main level unit has access from the parking lot via stairs or concrete ramp. All utilities EXCEPT for electricity included in condo fees. Do not miss out on this amazing opportunity!!! Priced to sell and will go fast! [Fairfax Heritage - $199,999]

This large two-bedroom, one bath condo offers one level living with gorgeous new kitchen cabinets (2024), quartz countertops (2024), stainless steel appliances (2023), and has been freshly painted.

5766 First Landing Way #105

The family room features beautiful hardwood floors. The wood-burning fireplace and new recessed lighting (2024) add to the charm and ambiance of this warm and inviting home. The primary bedroom vanity replaced 2024, Washer and Dryer replaced 2023, bedroom carpet replaced 2023, and HVAC replaced in 2021. This condo has excellent closet space inside as well as an outside storage closet. Outside the home, you will enjoy a quaint patio area within a fenced backyard, one assigned parking space, and plenty of visitor parking. The Woodwalk Condominium community has wonderfully maintained common areas with plenty of trees and open space. It is part of the Burke Centre Conservatory (HOA) with lots of amenities like paved jogging/walking paths, tennis courts, multipurpose courts, and 5 pools. Located near shopping and restaurants just off Burke Centre Parkway, with easy access to the Burke Centre VRE Station (commuter train), bus service, and major travel routes. [Woodwalk - $359,900]

OPEN HOUSE SUNDAY 4/21, 1-3:00 *** Fabulous offering in the highly sought-after Kings Park Community located in the Lake Braddock School District! ** Where the traditional floorplan of the Queen’s model has been re-designed to offer Comfortable and Quality Main Level Living space ** Upon entering this Colonial, you will find the Living room that flows directly into the separate Formal Dining room ** The timeless elegance of Hardwood Flooring grace the majority of the main level and the ENTIRE upper level ** BUT WAIT FOR IT! ** The Kitchen has a FULLY re-configured floor plan offering an open concept to include an island, eat-in space and an abundance of quality cabinetry & counter space- a Culinary Haven.

8717 Clydesdale Rd

And adjacent to the kitchen is the screened-in porch with a grill gas line that is perfect for relaxing and entertaining ** The carport has been converted into a LARGE Family Room with cozy gas/wood burning fireplace, built-ins, mud room and half bath offering perfect leisure space ** The upper level presents with a primarily bedroom with attached bath, 3 additional bedrooms and a hall bath **The basement is unfinished but offers space for a recreation, utility & storage room **This home has been well-cared over the years and includes a New Roof (2023), HVAC (2021), A/C (2014) & Updated Windows ** It is move-in ready but awaits simple cosmetic updates to give it the flare of Today’s designer colors/standards ** And you cannot beat the LOCATION and nearby amenities! Close to the Burke and Rolling Road VRE Stations, minutes to Metrobus Stop, Express Service to the Pentagon, close to I-495, Braddock Road and the Fairfax County Parkway. Easy access to Neighborhood Park & Pool. Call it HOME! [Kings Park - $745,000]

Welcome home! This rarely available gem in sought after Truro is soon to be available.

4145 Elizabeth Ln

Fully renovated and directly in front of club house/community pool. Just wait until you see this beauty on the inside. [Truro - $899,900]

You’ve been prequalified … what now?

I met with a first-time buyer over the weekend. She was prequalified by her lender. Prequalifying helped frame her choices. It's a waste of time and energy to look at homes that are outside of the budget, so prequalification is the first step for any home buyer. Here are the steps that we'll be taking on the road to home ownership.3D Realty Handshake
  1. Tour properties --- We took a top level tour of some of the properties that are in her budget. This gives the client something concrete and real to think about so that she can decide whether this home ownership thing is for her or not. In addition to the units we saw, I can think of a number of places that would also fall within this client's budget and still offer a very reasonable commute to Ft. Belvoir. But I wanted to get her impressions of these places before going on a bit deeper.
  2. Revisiting --- We'll revisit those communities that hold the greatest interest and look at everything available in those communities.  (So far we just did a top level search.)
    • A few more choices --- If none of these really feel right, we'll find a few more to consider and continue with the search.
  3. Make an offer --- When we've found the property that stirs the soul, fits the budget and feels right, I'll write up an offer. At that time I'll collect "earnest money".
    • The earnest money is evidence that the seller is serious about the purchase and is held in escrow until the sale is completed. We'll submit a preapproval letter, a copy of the earnest money deposit and the signed offer for the seller to consider.
  4. Negotiations --- Sometimes there is a difference between the asking price and the selling price. The selling price is determined by negotiation. We'll pass drafts of the contract back and forth until the buyer and seller have agreed on all terms.
  5. Loan processing --- Julie at Condominium Mortgage will then collect documentation from the client. This documentation will serve the purpose of proving the representations made in the loan application process. The buyer will produce pay stubs, bank statements etc. Julie will also order an appraisal as required by all lenders.
  6. Settlement --- Settlement is the word used to describe the actual transfer of ownership. We'll settle on the property in a timely fashion on an agreed upon date. Settlement will occur at a title company's office and a settlement agent will ensure that funds are present as is marketable title.
  7. Ownership --- Here's where the fun begins ... as does the responsibility of home ownership.

Properties in Fort Hunt

8019 Seaton St

Welcome to your dream home in the coveted Thornrose neighborhood! This stunning ranch-style detached residence has been meticulously RENOVATED FROM TOP TO BOTTOM, offering contemporary elegance and unparalleled comfort. Step inside to discover a spacious layout boasting 3 bedrooms and 2.5 baths, providing ample space for both relaxation and entertaining. The heart of the home is the exquisitely designed kitchen, featuring a dazzling QUARTZ island and countertops that effortlessly blend style with functionality. Indulge in luxury within the gorgeous bathrooms, where every detail has been carefully curated to create a serene atmosphere! Throughout the home, gleaming hardwood floors lend warmth and sophistication, complementing the modern aesthetic. Beyond the impeccable interiors, this residence offers the convenience of single-level living, allowing for effortless transitions between rooms. Outside, a charming yard provides the perfect backdrop for outdoor gatherings or peaceful moments of serenity. Enjoy easy access to nearby Huntley Meadows Park for outdoor recreation, and find yourself just 15 minutes away from the historic Old Town Alexandria waterfront and National Washington harbors, including Jones Point Park. Additionally, the home is conveniently situated close to a variety of restaurants and INOVA Mount Vernon Hospital, ensuring that all your needs are met with ease. Don't miss your chance to make this exquisite property your own – schedule a showing today and prepare to fall in love with luxury living at its finest! NEW ROOF, NEW APPLIANCES, NEW FLOOR, NEW HVAC, NEW WATER HEATER [Thornrose - $815,000]

8905 Camfield Dr

March 2024. Elegant & chic renovation at this charming Fort Hunt neighborhood home. Oversized bay windows in the living room & eat in kitchen to soak in the natural light all day making it a bright home. Primary bedroom w/ en-suite also overlooks the breathtaking pool!! Lower level: Flooring, water proofed durable flooring to handle pool traffic coming in from the backyard. Spacious layout for in-law-suite or guest areas, office/library has built in wall units. Also perfect for a kid's rainy day play space, live-in au pair, man/woman cave with its own private entrance/exit to the backyard & pool. Sunroom(floor-water proofed durable flooring to handle pool traffic) addition leads to the brick patio & to the peaceful pool area. Fabulous for cooking & entertaining in the fully fenced in private lot. Yes, the pool (deep end is only 5 feet) is inviting for sure. The shed, beautifully custom designed by an Architect owner/seller & his pride & joy, County Code satisfied. Calling all dog lovers: Fort Hunt Park neighborhood back-trail/path is just a few houses away, George Washington Parkway/bike path/walking trail 3 blocks, Mount Vernon Estate & Fort Belvoir just down the road in this all Single Family home community with no HOA. [Potomac Valley - $899,000]

8305 Fort Hunt Rd

8305 Fort Hunt Drive is a beautiful well-maintained home in an excellent location. Walk through the double front door and you are immediately struck by the natural light and open floor plan. Step up to the family room with a charming fireplace and a large five panel ceiling to floor bay window that floods the room with light. The handsome hardwood floors lead you through the dining room to the attractive kitchen with white cabinetry, granite countertops and an oversized island. The kitchen is seamlessly connected to a window filled sunroom that overlooks the entire fenced in backyard. There is a comfortable family feeling that you get from the well designed floor plan. Down the hall the there are 3 sizable bedrooms. An en suite bath in the primary bedroom has white cabinetry, upgraded lighting and granite counters. The 2 additional bedrooms share a second full bath with granite counters and tile floors. And then there is the fully finished basement that has a playroom/den with full brick fireplace, full bath, nice sized bedroom, workshop, and a large storage with a walkout exit. In addition to the awesome layout the home is equipped with an automatic whole house generator, tankless hot water heater, wood burning stove that can heat the entire house, huge detached garage, long driveway for several cars. [Collingwood Estates - $899,000]

1501 Shenandoah Rd

Here’s your opportunity to own one of the most prominent, turnkey 3 level, custom modern farmhouse homes in Hollin Hall on a beautiful .24 acre corner lot. The current sellers have added $50,000 in thoughtful upgrades - including reinforced basement waterproofing and drain system, upgraded landscaping, custom Shade Store window treatments, custom bench cushions, Ring security cameras, ADT security system, garage floor epoxy finish, fully fenced yard, and stained decking and fence. In 2019, this home underwent a near complete tear down and rebuild to present this like new custom build. The unique corner lot floor plan showcases 4 sides of direct natural sunlight, keeping this home bright and airy all day long. The first floor features 9’ ceilings, wide plank hand scraped hardwood floors, an expansive chefs kitchen with island seating for 6. It opens up to a vaulted ceiling family room with gas fireplace and half bath. Home chefs will appreciate the stainless steel appliances - commercial grade 36” Bertazzoni Gas Range with 6 burners, Bertazzoni refrigerator and dishwasher, microwave drawer, mini wine fridge, along with 2 sizeable pantry closets. The separate formal dining room seats up to 10 comfortably (Host for the Holidays!). A main level bedroom with a full bathroom provides optionality for guests or home office space. The oversized mudroom off the garage includes washer & dryer, a laundry chute coming down from the owner's suite, built-in coat rack storage and outside deck access. The additional covered side deck has a gas line ready to connect your outdoor grill. Upstairs includes 5 bedrooms and 3 full bathrooms, 9’ ceilings, an expansive luxury owner's suite with vaulted ceiling, a custom built out walk-in closet and remote controlled window treatments. The attached bathroom includes a 7' x 4' shower, separate deep soaking tub, wide closet with shelving, and double sink vanity. Down the hall you have 4 bedrooms and 2 additional full bathrooms. The fully finished basement includes built in custom bench seating with custom made cushions and built in entertainment shelving. The basement utility closet can be used for a large storage space or converted into another full bathroom (framed out and plumbing access ready). The high ceiling garage comfortably fits 1 vehicle and leaves room for shelving and storage. The yard is fully fenced in with a wrap around deck for your outdoor enjoyment. This home was built for comfort by including 2 HVAC zones and tankless water heater with constant hot water. It comes complete with an ADT security system, Ring Camera system, and Verizon Fios fiber optic high speed internet. This residence is conveniently located in the wonderful community of Hollin Hall Village in the Fort Hunt Area. It is across the street from playgrounds, baseball fields and park for all to use. Walking distance to coffee shop & bakery, grocery store, pharmacy, restaurants, bank, clothing stores, hardware store, the famous Variety Store, and neighborhood pool Mount Vernon Park Association with 3 pools, 4+ acres of park area, private fishing pond, tennis courts, basketball courts, and volleyball. Just minutes from Old Town Alexandria, Belle Haven Country Club, Mount Vernon Estate, The picturesque Mount Vernon bike trail that runs from DC to Mount Vernon and easy commutes via the picturesque George Washington Parkway along the Potomac River to Downtown DC, The Pentagon, Fort Belvoir, Joint Base Anacostia Bolling, and Amazon HQ2. Located in the coveted Waynewood Elementary School district and available to move in immediately [Hollin Hall Village - $1,599,000]

2509 Stirrup Ln

Don't miss this beautifully renovated (2024) Kent model in the very desirable Stratford on the Potomac community. Set on a large, corner lot, 2509 Stirrup features five bedrooms, 3 beautifully remodeled full baths, refinished hardwood floors, large laundry room, walkout basement with excellent ceiling height and a wood-burning fireplace. There is also a spacious and charming screened-in porch off the dining room and kitchen with granite counters and gas cooking. The main living space has an open and airy feeling with very high ceilings. New lighting, recessed lights, designer paint throughout and professional landscaping. This corner yard is large and private. Walkable to Stratford Landing elementary school and top-notch playgrounds. Finished square footage in tax record is not accurate. [Stratford On the Potomac - $849,000]

1209 Chadwick Ave

Welcome to this charming home nestled on a tranquil 1/2 acre lot where blooming crepe myrtles and fig trees enhance the picturesque landscape. This 4 bedroom, 2.5 bath house offers a perfect blend of elegance, comfort, and natural beauty. Upon entering, you'll be captivated by the classic layout and exquisite details throughout. Gorgeous hardwood floors exude warmth, guiding you through the inviting spaces. To the left, French doors open to a formal living room adorned with beautiful moldings and a wood-burning fireplace, ideal for cozy gatherings. On the right, a more casual gathering space awaits, featuring a second wood-burning fireplace with an all-brick surround, perfect for relaxed evenings with loved ones. The heart of the home lies in the gourmet kitchen, boasting stainless steel appliances, granite countertops, and a breakfast bar that beckons you to gather and create memorable meals. Adjacent is a separate dining room, providing an elegant setting for formal dinners and special occasions. Glass sliding doors seamlessly connect the indoor and outdoor spaces, leading to the stunning backyard patio, an idyllic place to gather with friends for a barbecue or simply enjoying peaceful evenings in the tranquil setting. Completing the main level is a home office, offering a quiet retreat for remote work, and a convenient half bath for guests. Upstairs, you'll discover four bedrooms with tranquil views from every window. The primary en-suite bedroom is a luxurious retreat, featuring a spacious bathroom and a walk-in closet, providing ample storage. A full bath services the other bedrooms and a pull-down attic offers additional storage space for your convenience. Outside, an attached two-car garage and a horseshoe driveway provide easy access and ample parking for you and your guests, ensuring convenience and comfort. Nestled adjacent to Collingwood Park, this home enjoys a prime location just one block from the GW bike path and GW Parkway. With this convenient positioning, residents have effortless access to Old Town, DC, Belvoir, the Pentagon, and Reagan National Airport. [Wellington - $1,079,000]

1904 Hackamore Ln

Welcome to Riverside Gardens! Mature trees line the neighborhood, basketball hoops are found on every street, Adirondack chairs can be spotted in most front yards, there are tree swings galore, and a constant flow of neighbors ready to say hello. This idyllic community is a quick walk to both Stratford Landing Elementary School and Carl Sandburg Middle School. The community pool, Riverside Gardens Swim and Tennis Club is the social hub for many of the residents, which has a conveniently short waitlist. With underground power lines and sidewalks throughout the entirety of the neighborhood, you won’t find a more beautiful community. 1904 Hackamore Lane sits on one of the neighborhood’s less traveled side streets and bubbles with curb appeal. This move-in ready home features over 1,700 square feet of stylized pure charm. You enter the home into the living room where you quickly notice a cozy fireplace and an abundance of natural light saturating the room across the hardwood floors. The living room flows into the dining room – are those French doors? Yes, and they lead to a beautiful sunny deck. The kitchen is located off the dining room, with a separate door onto the deck making for easy grilling. The kitchen wallpaper gives a pop of fun to the natural wood cabinetry. Stone countertops and stainless-steel appliances make this a chef rated kitchen with room for multiple sous chefs. Upstairs you will find 3 bedrooms and a large shared bathroom with dual entries from the hallway and the primary bedroom. The second bedroom has a secret reading nook located in the closet. Should an adult choose to climb up it can hold up to 500 pounds. Modern gold light fixtures throughout are the flare you didn’t know your ceilings needed. Again, pure charm around every corner. The lower level contains not only a large rec room but also a bonus den. Need a home office, extra bedroom, playroom, or fitness room? The space is here for you. You will find another full bath, laundry room and an additional fireplace on this level– yes there are 2 fireplaces in this home! Got too many holiday decorations? There are 2 separate attic spaces for storage; one accessible in the upper-level hallway and another in the upper-level stairwell. The easy to maintain backyard is adorned with beautiful trees, flowers, shrubs and bushes. Spring bloom is literally days away. Can you already hear the laughter coming from the kids on the playset (which conveys)? Keep a somewhat watchful eye while you enjoy relaxing on the deck or watching the Sunday game with the easy TV setup. This house checks all of the boxes and then some. Ready to call it home? This home goes active on 4/18 with an open house on Sunday 4/21 1-4pm. [Riverside Gardens - $815,000]

7901 Wellington Rd

Welcome to 7901 Wellington Road! This amazing home boasts 5 bedrooms (plus an additional den/6th bedroom with bath on the lower level), 4 full bathrooms, and 3,600 square feet on a 0.3 acre, picturesque corner lot. Step inside and be welcomed by craftsman appeal and classic charm. This home greets you with an open floor plan with newly finished hardwood floors (2024) throughout the main and upper levels. The living room features a gas fireplace, large picture window, and space to spread out. The open floor plan leads into a great room dining & kitchen combination with slate flooring and windows galore. The Chef's kitchen boasts upgraded black stainless Kitchen Aid and Bosch appliances, and an peninsula perfect for entertaining or family meals. The dining room offers bead board ceilings and windows surrounding the room, and a built-in window seat with custom cushions. On the other side of the main level, there are two spacious bedrooms and a full guest bathroom with river rock shower. Moving upstairs, you will find three large bedrooms and laundry room with butcher block folding table. The primary suite is your perfect oasis. His and Her walk-in closets lead into the calming primary bathroom with a soaking tub, double vanities, and a glass door shower. The other two bedrooms are spacious, have new carpeting (2024), and oversized closets. The lower level is an entertaining haven with a spacious family room (the game table conveys), two large storage rooms with built in shelving, an additional room that can be used as a den or a 6th bedroom, and another full, updated bathroom. The outdoor space is perfect for gatherings - choose from either the covered front porch, or expansive back deck in the fully fenced backyard, both with views of county parkland. The pergola with lights on the deck conveys. This home is walking distance to Hollin Hall Village Shopping Center and Mount Vernon Park Pool and is zoned for Waynewood Elementary. Don't miss this opportunity! [Hollin Hall Village - $1,379,000]

8103 Kane Ct

Welcome to 8103 Kane Court, a thoughtfully designed and meticulously maintained home centered in Fort Hunt Alexandria. This is not your average split-level home; it exudes professionally planned, like-new quality both inside and out! This exceptional property boasts bright, natural light that accentuates the soaring ceiling, fresh paint and hickory hardwood floors. The attention to detail is evident throughout, with tailor-made features including upgraded systems and fresh cosmetics. This single family presents a custom home office with built-ins and pocket door, offering a perfect space for remote work or study. The permitted garage and great room addition seamlessly blend function and comfort, featuring a gas fireplace and mini-split temperature control for added convenience. The renovated kitchen highlights cabinets with glass doors, stainless steel appliances, neutral backsplash and gorgeous granite countertops. Across from the kitchen is a central dining area for enjoying home cooked meals. You’ll rest well in one of three bedrooms on the upper level situated next to the remodeled full bath. Downstairs is the den/fourth bedroom, second full bath and a useful laundry room. The property's quality extends outside, with a hardy board exterior, new roof and windows, a fenced flat backyard complete with a patio, play set, playhouse and a generous storage shed. This home is located in the desirable Waynewood school district and is just minutes away from Old Town Alexandria, DC, Fort Belvoir, the Pentagon and Mount Vernon. For nature enthusiasts, the scenic George Washington Parkway and Fort Hunt Park are nearby, offering the ideal escape into nature. [Kirk - $879,900]

7822 Southdown Rd

Price is for Land only. Rare chance to acquire a water view lot on the secluded East Side of the George Washington Parkway just outside Old Town. Lot will accommodate a 71x 65 ft home. Situated on a private road along the river, this lush 15,000 sq ft lot, offers an extraordinary opportunity for an unparalleled lifestyle. The excellent location in coveted Wellington is just moments away from Old Town, Alexandria and DC. The serenity and privacy of the neighborhood is reminiscent of a bygone era when time moved at a more leisurely pace, yet you are minutes to everything. Bike to Old Town, DC and Mount Vernon. Enjoy the gardens, yoga and Spring events at River Farms Horticultural Society. Take Sailing lessons at Belle Haven Marina. Enjoy a calmer life in this idyllic setting.. The building footprint for a new home is approximately 71x66. No HOA [Wellington - $1,299,900]

For more information or to set up an appointment call Stuart at (703)765-0300.  

How to Appeal Your Property Tax Bill

cottage and fence
Add a fence for privacy and distinction
Owning a home is an expensive proposition. There’s maintenance, landscaping, utilities, renovations, and, of course, taxes. It’s your civic duty to pay the latter, but it’s also your right not to yield a penny more than your fair share. It’s possible to trim your property tax bill by appealing the assessed value of your home. But making a case against your real estate assessment, the basis for your property tax bill, requires doing a bit of homework. Initial research can be done online or by phone over two or three days, but the process can stretch out for months if you’re forced to file a formal appeal. There are a few things to keep in mind as you weigh an appeal. The board can only lower your real estate assessment, not the rate at which you’re taxed. There’s also a chance, albeit slight, that your assessment could be raised, thus increasing your property taxes. A reduction in your assessment right before you put your house on the market could hurt the sale price. An easier route to savings might lie in determining if you qualify for property tax exemptions based on age, disability, military service, or other factors.

Read your assessment letter

A real estate assessment is conducted periodically by the local government to assign a value to your home for taxation purposes. An assessment isn’t the same as a private appraisal, and the assessed value of your home isn’t necessarily how much you could sell it for today. Real estate assessment letters are mailed to homeowners annually, or perhaps every two to three years, depending where you live. The letter will include some information about your property, such as lot size or a legal description, as well as the assessed value of your house and land. Additional details—number of bedrooms, for example, or date of construction—can often be found in the property listing on your local government’s website. Your property tax bill will usually be calculated by multiplying your home’s assessed value by the local tax rate, which can vary from town to town. If you think your home’s assessment is higher than it should be, challenge it immediately. The clock starts ticking as soon as the letter goes out. You generally have less than 30 days to respond, though the time frame varies not just between states, but within each state. Procedures are often outlined on the back of the letter.

Gather evidence

Start by making sure the assessment letter doesn’t contain any mistakes. Is the number of bathrooms accurate? Number of fireplaces? How about the size of the lot? There’s a big difference between “0.3 acres” and “3.0 acres.” If any facts are wrong, then you may have a quick and easy challenge on your hands. Next, research your home’s value. Ask a real estate agent to find three to five comparable properties—“comps” in real estate jargon—that have sold recently. Alternatively, check a website like Smarthomeprice.com to find approximate values of comparable properties. The key is identifying properties that are very similar to your own in terms of size, style, condition, and location. If you’re willing to shell out between $350 and $600, you can hire a private appraiser to do the heavy lifting. Once you identify comps, check the assessments on those properties. Most local governments maintain public databases. If yours doesn’t, seek help from an agent or ask neighbors to share tax information. If the assessments on your comps are lower, you can argue yours is too high. Even if the assessments are similar, if you can show that the “comparable” properties aren’t truly comparable, you may have a case for relief based on equity. Maybe your neighbor added an addition while you were still struggling to clean up storm damage. In that case, the properties are no longer equitable.

Present your case

Once you’re armed with your research, call your local assessor’s office. Most assessors are willing to discuss your assessment informally by phone. If not, or if you aren’t satisfied with the explanation, request a formal review. Pay attention to deadlines and procedures. There’s probably a form to fill out and specific instructions for supporting evidence. A typical review, which usually doesn’t require you to appear in person, can take anywhere from one to three months. Expect to receive a decision in writing. If the review is unsuccessful, you can usually appeal the decision to an independent board, with or without the help of a lawyer. You may have to pay a modest filing fee, perhaps $10 to $25. If you end up before an appeals board, your challenge could stretch as long as a year, especially in large jurisdictions that have a high number of appeals. But homeowners do triumph. According to Guy Griscom, Assistant Chief Appraiser of the Harris County (Texas) Central Appraisal District, of the 288,800 protests filed in his Houston-area district in 2008, about 58% received reduced assessments. How much effort you decide to put into a challenge depends on the stakes. The annual U.S. median property tax paid in 2008 was $1,897, or 0.96% of the median home value of $197,600. Lowering that assessed value by 15% would net savings of about $285.   This article provides general information about tax laws and consequences, but is not intended to be relied upon by readers as tax or legal advice applicable to particular transactions or circumstances. Readers should consult a tax professional for such advice, and are reminded that tax laws may vary by jurisdiction.  

How your ratios affect your home buying power.

Julie Nesbitt
Julie Nesbitt
Two ratios are calculated by mortgage lenders to determine a buyer's maximum loan amount:1) the front ratio and, 2) the back ratio. Front Ratio: The total mortgage payment including principal, interest, taxes and insurance (PITI) as well as any condominium or homeowner association fees divided by your total GROSS income. Traditionally, this ratio must be below 30% Example: With a gross income of $5000 per month, a total mortgage payment (PITI) of $1350, the front ratio would be 27%. Back Ratio: The total mortgage payment PLUS any car payments, credit card and any other loan payments including student loans divided by your total GROSS income. Traditionally this must be below 40%. Example: With a gross income of $5000 per month, a total mortgage payment of $1350, a car payment of $325, 1 credit card payment of $60 and 1 student loan payment of $150 for a total of $1885 with a back ratio of 38%. For more information or to set up an appointment call Julie at (703)765-0300. If you need help calculating your ratios, please contact Julie Nesbitt at 703 765 0300.

What styles of homes do buyers prefer in {Location_Name}?

A recent Realtor.com® survey of more than 1,000 home shoppers found that architectural preferences differ by generations. Older buyers prefer ranch-style homes while millennials prefer contemporary and colonial homes, with only six percent of millennials favoring ranch homes.  
first-time buyer
Nesbitt Realty helps first-time home-buyers realize their home-buying dreams.

Why use a realtor?

Realtor pin
Realtor

All real estate licensees are not the same. Only real estate licensees who are members of the NATIONAL ASSOCIATION OF REALTORS(r) are properly called REALTORS(r). They proudly display the REALTOR "(r)" logo on the business card or other marketing and sales literature. All agents and brokers at Condo Alexandria are Realtors. REALTORS(r) are committed to treat all parties to a transaction honestly. REALTORS(r) subscribe to a strict code of ethics and are expected to maintain a higher level of knowledge of the process of buying and selling real estate. An independent survey reports that 84% of home buyers would use the same REALTOR(r) again.

Real estate transactions involve one of the biggest financial investments most people experience in their lifetime. Transactions today usually exceed $100,000. If you had a $100,000 income tax problem, would you attempt to deal with it without the help of a CPA? If you had a $100,000 legal question, would you deal with it without the help of an attorney? Considering the small upside cost and the large downside risk, it would be foolish to consider a deal in real estate without the professional assistance of a REALTOR(r).

But if you're still not convinced of the value of a REALTOR(r), here are a dozen more reasons to use a Realtor from Condo Alexandria.

For more information or to set up an appointment call Stuart at (703)765-0300.

12 Ways a Realtor from Condo Alexandria Can Help You

Will Nesbitt
Will Nesbitt at Watergate at Landmark
1. Your Nesbitt Realty Realtor® can help you determine your buying power -- that is, your financial reserves plus your borrowing capacity. If you give a Nesbitt Realty Realtor® some basic information about your available savings, income and current debt, he or she can refer you to lenders best qualified to help you. Most lenders -- banks and mortgage companies -- offer limited choices. 2. Your Nesbitt Realty Realtor® has many resources to assist you in your home search. Sometimes the property you are seeking is available but not actively advertised in the market, and it will take some investigation by your agent to find all available properties. 3. Your Nesbitt Realty Realtor® can assist you in the selection process by providing objective information about each property. Agents who are Nesbitt Realty Realtors® have access to a variety of informational resources. Nesbitt Realty Realtor® can provide local community information on utilities,
Julie Nesbitt
your Realtor Julie Nesbitt
zoning. schools, etc. There are two things you'll want to know. First, will the property provide the environment I want for a home or investment? Second, will the property have resale value when I am ready to sell? 4. Your Nesbitt Realty Realtor® can help you negotiate. There are myriad negotiating factors, including but not limited to price, financing, terms, date of possession and often the inclusion or exclusion of repairs and furnishings or equipment. The purchase agreement should provide a period of time for you to complete appropriate inspections and investigations of the property before you are bound to complete the purchase. Your agent can advise you as to which investigations and inspections are recommended or required. 5. Your Nesbitt Realty Realtor® provides due diligence during the evaluation of the property. Depending on the area and property, this could include inspections for termites, dry rot, asbestos, faulty structure, roof condition, septic tank and well tests, just to name a few. Your Nesbitt Realty Realtor® can assist you in finding qualified responsible professionals to do most of these investigations and provide you with written reports. You will also want to see a preliminary report on the title of the property. Title indicates ownership of property and can be mired in confusing status of past owners or rights of access. The title to most properties will have some limitations; for example, easements
Stuart Nesbitt
Stuart Nesbitt
(access rights) for utilities. Your Nesbitt Realty Realtor®, title company or attorney can help you resolve issues that might cause problems at a later date. 6. Your Nesbitt Realty Realtor® can help you in understanding different financing options and in identifying qualified lenders. 7. Your Nesbitt Realty Realtor® can guide you through the closing process and make sure everything flows together smoothly. 8. When selling your home, your Nesbitt Realty Realtor® can give you up-to-date information on what is happening in the marketplace and the price, financing, terms and condition of competing properties. These are key factors in getting your property sold at the best price, quickly and with minimum hassle.
Realtor Ron Ginyard
Ron Ginyard has the experience you need to successfully realize your real estate goals.
9. Your Nesbitt Realty Realtor® markets your property to other real estate agents and the public. Often, your Nesbitt Realty Realtor® can recommend repairs or cosmetic work that will significantly enhance the salability of your property. Your Nesbitt Realty Realtor® markets your property to other real estate agents and the public. In many markets across the country, over 50% of real estate sales are cooperative sales; that is, a real estate agent other than yours brings in the buyer. Your Nesbitt Realty Realtor® acts as the marketing coordinator, disbursing information about your property to other real estate agents through a Multiple Listing Service or other cooperative marketing networks, open houses for agents, etc. The Realtor® Code of Ethics requires Nesbitt Realty Realtor® to utilize these cooperative relationships when they benefit their clients. 10. Your Nesbitt Realty Realtor® will know when, where and how to advertise your property. There is a misconception that advertising sells real estate. The NATIONAL ASSOCIATION OF REALTORS® studies show that 82% of real estate sales are the result of agent contacts through previous clients, referrals, friends, family and personal contacts. When a property is marketed with the help of your Nesbitt Realty Realtor®, you do not have to allow strangers into your home. Your Nesbitt Realty Realtor® will generally prescreen and accompany qualified prospects through your property. 11. Your Nesbitt Realty Realtor® can help you objectively evaluate every buyer's proposal without compromising your marketing position.
Dillon Lee
Dillon Lee
This initial agreement is only the beginning of a process of appraisals, inspections and financing -- a lot of possible pitfalls. Your Nesbitt Realty Realtor® can help you write a legally binding, win-win agreement that will be more likely to make it through the process. 12. Your Nesbitt Realty Realtor® can help close the sale of your home. Between the initial sales agreement and closing (or settlement), questions may arise. For example, unexpected repairs are required to obtain financing or a cloud in the title is discovered. The required paperwork alone is overwhelming for most sellers. Your Nesbitt Realty Realtor® is the best person to objectively help you resolve these issues and move the transaction to closing (or settlement). For more information or to set up an appointment call Nesbitt Realty at (703)765-0300.

5 Common First Time Home Buyer Mistakes

A Single family house at 5428 Grist Mill Woods Way Alexandria VA 22309
Grist Mill Woods is in Alexandria 22309
1. Decide what you can afford. Generally, you can afford a home equal in value to between two and three times your gross income. 2. Develop your home wish list. Then, prioritize the features on your list. 3. Select where you want to live. Compile a list of three or four neighborhoods you'd like to live in, taking into account items such as schools, recreational facilities, area expansion plans, and safety. 4. Start saving.Do you have enough money saved to qualify for a mortgage and cover your down payment? Ideally, you should have 20 percent of the purchase price saved as a down payment. Also, don't forget to factor in closing costs. Closing costs --- including taxes, attorney's fee, and transfer fees --- average between 2 and 7 percent of the home price. 5. Get your credit in order.Obtain a copy of your credit report to make sure it is accurate and to correct any errors immediately. A credit report provides a history of your credit, bad debts, and any late payments. 6. Determine your mortgage qualifications.How large of mortgage do you qualify for? Also, explore different loan options --- such as 30-year or 15-year fixed mortgages or ARMs --- and decide what's best for you.
Condos at 2001 15th St N #615 Arlington VA 22201
Odyssey is in Arlington 22201
7. Get preapproved. Organize all the documentation a lender will need to preapprove you for a loan. You might need W-2 forms, copies of at least one pay stub, account numbers, and copies of two to four months of bank or credit union statements. 8. Weigh other sources of help with a down payment. Do you qualify for any special mortgage or down payment assistance programs? Check with your state and local government on down payment assistance programs for first-time buyers. Or, if you have an IRA account, you can use the money you've saved to buy your fist home without paying a penalty for early withdrawal. 9. Calculate the costs of home ownership. This should include property taxes, insurance, maintenance and utilities, and association fees, if applicable. 10. Contact a REALTOR®. Find an experienced REALTOR® who can help guide you through the process. For more information or to set up an appointment call Julie at (703)765-0300.