Fredericksburg Homes For Sale | Fredericksburg Virginia Real Estate | Fredericksburg VA Realtors

Fredericksburg Homes For Sale | Fredericksburg Virginia Real Estate | Fredericksburg VA Realtors

http://www.youtube.com/watch?v=K7NfPSCkvuw

With so many Fredericksburg Homes For Sale, you need a professional to help you find what you are looking for. Then, you will need them to help you make an offer and then negotiate for the best deal.

I suggest using Danford Barton Real Estate when looking for Fredericksburg Homes For Sale. Some of the top agents in Fredericksburg and they are reliable and honest.

Fredericksburg Homes For Sale – http://danfordbarton.com

Homes For Sale In Fredericksburg VA

Homes For Sale In Fredericksburg VA

Buying or selling your next home or property can be one of the most important transactions in your life, therefore it is important you work with someone who has the experience, professional expertise and integrity to make your next real estate transaction pleasurable and stress-free.

The experienced agents of Danford Barton Real Estate, Inc., can assist you with a variety of real estate services, such as assisting buyers to find their next Fredericksburg area property or home, and assisting sellers in selling their property while getting the most for their property.

Danford Barton Real Estate, Inc.
2326 Plank Rd
Fredericksburg, VA 22401
(540) 371-2080

Why Mortgage Refinancing Is Such A Good Idea

Why Mortgage Refinancing Is Such A Good Idea

In this edition of SLS Mortgage blog, I have found a couple of interesting articles and a video describing the current mortgage and real estate markets. The first article is about how mortgage rates are still extremely affordable even though home prices are rising and sales are up. Read more below:

Mortgage rates down; home prices, sales up
HSH Financial Publishers (blog), on Wed, 19 Sep 2012 08:27:52 -0700

“The Federal Reserve has aimed their efforts squarely at the mortgage market,” said Keith Gumbinger, vice president of HSH.com. “They will be buying up to $40 billion of Mortgage-Backed Securities monthly in an effort to drive mortgage rates lower.

This video explains how taking advantage of these low rates by refinancing an existing mortgage can save a homeowner tens of thousands of dollars over the lifetime of their higher interest mortgages. This savings could be what the economy needs to get consumer spending up and therefore, stimulating the economy. Watch it here:

And finally, the following article describes how the federal government can help keep these mortgage rates low by encouraging homeowners to refinance. Find out how here:

Congress Could Help ‘Quantitative Easing’ Reach Main Street
Center For American Progress, on Wed, 19 Sep 2012 09:00:14 -0700

Most U.S. households are not in the market for a new home, so the hope is they will access low interest rates by refinancing their mortgages. Yet mortgage rates have been well below historic norms for more than a year, and most eligible homeowners who …

I hope that these will shed some light on why it is so important to consider refinancing right now. Mortgage rates continue to be at historic lows but they won’t stay that way forever. When you decide that refinancing is right for you, contact us at SLS Mortgage to get the best rate available today.

Home Mortgage Reston VA | (703) 594-9229 | SLS Mortgage

Home Mortgage Reston VA | (703) 594-9229 | SLS Mortgage

Below are some great tips you should adhere to when searching for a home mortgage in Reston VA.

To begin the process of attaining your home mortgage loan, contact one of our home loan specialists at SLS Mortgage. We anticipate helping you obtain your dream house.

SLS Mortgage
(703) 594-9229
(855) 571-8800 Toll Free

Tip #1: Always Shop For Home Mortgage Rates

Don’t blindly accept a Realtor or Builder referral to apply for a Home Mortgage through their preferred lender. Many times they will say, “We work closely with this guy and he gets the job done”. Translation: “We play golf together and he buys the beer”. Remember, the Realtor won’t be paying the bill each month for the next 30 years, you will.

If you apply for a Home Mortgage through a preferred lender without shopping, you will pay hundreds or even thousands of dollars in additional costs.

Tip #2: Call For Home Mortgage Quotes After 11:00 a.m. Eastern Time

Mortgage Rates change each day and sometimes midday. The previous day’s rates typically expire by 8:30 a.m. the next morning. Generally, Home Mortgage Rates are published each day by 11:00 a.m. Eastern time. This varies from lender to lender. To make sure you are getting Home Mortgage Rates from the current day and not a mixture of rates from the previous day from some lenders and the current rates from other lenders, always do your rate shopping after 11:00 a.m. Eastern time.

Get all your quotes after 11:00 a.m. Eastern time.

Sometimes Home Mortgage Rates change midday due to a volatile bond market. When this happens, some Home Mortgage Lenders will adjust the Discount Points for their rates in accordance with the new bond prices and publish new Home Mortgage Rates for that day. Other Lenders may continue to honor their morning rates.

Tip#3: Always Tell The Mortgage Loan Officer You Are Prepared To Apply For A Loan NOW

How will you compare quotes if you don’t know which quotes are real and which are part of a bait and switch plan? The only way to ensure getting real quotes is to box in the Home Mortgage Loan Officers by making them think you are ready to Lock-In a Home Mortgage Rate immediately.

Tip#4: Ask For The Total Points And The Total Fees

When you call a Mortgage Lender, ask for the “Total Points” (Discount Points, Loan Origination Fee, Broker Points) for each Home Mortgage Rate. Some lenders will only quote the Discount Points and deliberately leave out the Loan Origination Fee. You won’t find out about the 1.00 Point Loan Origination Fee until you apply for the Home Mortgage. By that time, the Loan Officer figures you will just accept it because he’s got your application and pulled your credit report. In addition, Mortgage Brokers often neglect to mention their Broker Fee.

Some lenders do not charge a Loan Origination Fee.

When you are quoted the Total Points, specifically ask them if there is an additional Loan Origination Fee or Broker Fee being charged. You truly have to nail this down when you talk to a Home Mortgage Loan Officer.

Tip#5: Always Confirm The Rate Lock Period When Asking For A Rate Quote

If you are buying a home and you need 60 days to close, make sure you specifically request Mortgage Rate quotes with a 60 Day Lock period. Some Home Mortgage Loan Officers will quote rates with 15 Day or 30 Day Lock periods because the Discount Points for shorter lock periods are less than rate locks for longer periods. Quoting a Home Mortgage Rate with a 15 Day lock period obviously gives that Loan Officer an unfair edge. It is also a waste of your time because the quote isn’t real if you can’t settle on your loan within 15 days. Always specify a 60 Day Lock-In if you are buying a home. Ask for 45 Days if you are refinancing, but you may be able to get it done within 30 days if you are very diligent and call your Home Mortgage Loan Officer twice a week for a status of your application.

Article Source: http://EzineArticles.com/4271545

Want to know more about the mortgage loan products offered by SLS Mortgage? Visit our YouTube channel: http://www.youtube.com/user/culpeperhomeloans

Mortgage News For September 2012

Mortgage News For September 2012

It’s been a while since we added a blog post. We have been extra busy this summer and let our posting slip! We wanted to jump back in the game, though, so today we bring you some current news about the state of mortgages and the real estate market. Not much commentary here, just wanted to begin our regular posting again by pointing out some current news.

Mortgage Rates Move Lower | RISMedia
http://www.rismedia.com/

Mortgage rates were mostly lower for a second straight week, with the benchmark 30-year fixed mortgage inching down to 3.79 percent, according to Bankrate.com’s.

Home Loans | Mortgage Bankers | Refinance Applications
http://therealdeal.com/

September brings mortgage activity resurgence. September 12, 2012 08:30AM. As the calendar turned to September, mortgage activity also turned a page following a dismal August. Mortgage applications increased 11.1 percent for the week …

We hope that these resources will bring you up to speed on the status of the real estate and mortgage market presently. If you have any questions about specific mortgage loans, mortgage rates, or home loan products, please feel free to contact us. It’s good to be back in action!

VA Mortgage Fredericksburg | SLS Mortgage

VA Mortgage Fredericksburg | SLS Mortgage

VA Mortgages are also sometimes referred to as VA guaranteed loans, since they are guaranteed by the Department of Veterans Affairs. This means that if a borrower defaults on their loan, the Department of Veterans Affairs will repay the lender a portion of the delinquent balance.

Advantages of VA Loans:

Veterans who are considering buying a home should first consider obtaining a VA mortgage loan instead of a traditional mortgage loan. There are a number of different advantages of these types of loans compared to traditional loans.

How to Get a VA Home Loan:

Getting a VA mortgage loan is very similar to getting any other type of mortgage loan. First, however, potential borrowers should make sure that they are eligible to take advantage of this loan program, and request a certificate of eligibility.

If you would like more information on VA mortgage loans, don’t hesitate to contact our mortgage professionals. We’re happy to help you determine your eligibility and walk you through the process.

Tree Service Fredericksburg VA

Tree Service Fredericksburg VA

Trees are an important part of any landscape — they protect your home from the elements, contribute to clean air, and even provide hours of childhood entertainment. In many cases, just the mere presence of certain trees on your property can actually increase the resale value of your home.

Removing dead, rotten, or otherwise damaged tree branches and trees is usually recommended in order to avoid injury or property damage. Instead of attempting a do-it-yourself tree removal, you should consider hiring experienced Tree Service Fredericksburg VA professionals.

Tree Removal Fredericksburg VA

Tree Removal Fredericksburg VA

Tree removal can be rather a rather difficult (not to mention dangerous) task for the average home owner. This is especially true of larger jobs that require specialized equipment, such as chainsaws and even cranes. Although a professional tree removal service may appear to be an expensive service, in many cases it’s worth every penny. By hiring Tree Removal Fredericksburg VA specialists to perform work on your property, you’re eliminating the risk of injury to yourself or others, as well as damage to your property or your neighbor’s.

Tree Service Fairfax VA

Tree Service Fairfax VA

Trees are an important part of any landscape — they protect your home from the elements, contribute to clean air, and even provide hours of childhood entertainment. In many cases, just the mere presence of certain trees on your property can actually increase the resale value of your home.

Home Loans Dunn Loring VA

Home Loans Dunn Loring VA

No matter which way you look at it, homes are one of life’s biggest expenses. Buying a home typically requires hundreds of thousands of dollars. Average home buyers are usually unable to simply plunk down cash or write a check, even for modestly priced homes. A home loan, however, makes buying a home possible.