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Posts Tagged ‘leesburg homes for sale’

How appropriate for this Real Estate Market…..  Brian Buffini helps me to make lemonade out of lemons.  My clients have been the greatest this year and not only helped me with my success, but referred  others to me so they could take advantage of selling and buying homes when so many people are full of fear.  Winning is when confidence outshines fear and negativity.

Thank you for helping make this a great year. Yes, several hurdles with appraisal  issues, lending got tighter, inventory was less ( a good thing), and sometimes multiple offers made, but all in all, we all made it happen to our benefit.

If you can keep your head when all about you
Are losing theirs and blaming it on you;
If you can trust yourself when all men doubt you,
But make allowance for their doubting too:
If you can wait and not be tired by waiting,
Or being lied about, don’t deal in lies,
Or being hated, don’t give way to hating,
And yet don’t look too good, nor talk too wise;

If you can dream—and not make dreams your master;
If you can think—and not make thoughts your aim,
If you can meet with Triumph and Disaster
And treat those two imposters just the same:
If you can bear to hear the truth you’ve spoken
Twisted by knaves to make a trap for fools,
Or watch the things you gave your life to, broken,
And stoop and build ’em up with worn-out tools;

If you can make one heap of all your winnings
And risk it on one turn of pitch-and-toss,
And lose, and start again at your beginnings
And never breathe a word about your loss:
If you can force your heart and nerve and sinew
To serve your turn long after they are gone,
And so hold on when there is nothing in you
Except the Will which says to them: “Hold on!”

If you can talk with crowds and keep your virtue,
Or walk with Kings—nor lose the common touch,
If neither foes nor loving friends can hurt you,
If all men count with you, but none too much:
If you can fill the unforgiving minute
With sixty seconds’ worth of distance run,
Yours is the Earth and everything that’s in it,
And—which is more—you’ll be a Man, my son!

– Rudyard Kipling

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I was sent this thought from someone, but cannot recall from whom.  I am sure they will not mind my sharing it.

How to plant a garden for success:

Plant 5 Rows of Peas                              Include 3 Rows of Squash

* Patience                                                      * Squash Negativity

* Perseverance                                             * Squash Procrastination

* Preparation                                                * Squash Apathy

* Planning

* Positiveness

 

Add 5 Rows of Lettuce:                         Complete Garden with Turnips

* Let us be Positive                                      * Turn up your Kindness

* Let us take Responsibility                        * Turn up your Smile

* Let us be in Control                                   * Turn up with New Ideas

* Let us Reward Accomplishments           * Turn up with Determination

* Let us be Empowered                               * Turn up with Love

I’d love the opportunity to help you with buying or selling your home.                                                 Call or text me any time: 703-618-1218

www.ThisSpotsForYou.com

Tanya Spotts

Tanya Spotts     

Director’s and President’s Club  2006-2008
This Spot’s For You!  ( http://ThisSpotsForYou.com )

 Long & Foster Realtors
508 E. Market St., Leesburg, VA 20176 

 Cell Phone: 703-618-1218

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There is so much bad press; one minute you hear prices are stabilizing, then just today the news-worthy bleep was that we have record numbers of foreclosures happening.  We don’t see the record numbers here!

I know what my buyers are experiencing in our area and what a number of us who attended the Freddie Mac Real REO seminar (HOMESTEPS) which Long & Foster offered to us at our headquarters in Chantilly. Across Northern Virginia we are all experiencing a low inventory in some price ranges, bidding wars on REOS and Short Sales, and prices becoming more balanced, sometimes even going up.

 I was certainly glad I gave my time to attend this informational seminar.  I know I will be investigating and asking sellers if they have a Freddie Mac or Fannie Mae loan. 

If you are finding it difficult to make your mortgage payments or feel you might be heading down a scary place toward short selling or foreclosure, go here first and then to your lender. The best information you can gather is from your lender.  Freddie Mac has a great site which has tips and information you need.

 

Does Freddie Mac Own Your Loan?

Your mortgage servicer will be able to tell you if Freddie Mac owns your loan. You may also use their secured look-up tool:

 

Have These Documents Ready! 

     Gather your paperwork before you do anything.  Have your questions ready.

 Have you had a recent hardship?  Have you lost your job or have your pay substantially reduced?  Has your interest readjusted.  Has your neighborhood seen home values fall which would prevent you from selling or refinancing?

Here are some questions  HomeSteps has provided and are worth asking your lender to answer:

 “Questions to ask:

  • How much time is the lender willing to give you to complete a work-out?
  • What are your obligations under the work-out package?
  • What are the specifics? Be sure to ask what is due and when.
  • Will a foreclosure sale of your property be put on hold while your lender looks at the possibility of a workout package?”

Another great video which I found on Freddie Mac’s website. .  There is even a calculation and toolkit page. 

What if you want to buy Freddie Mac owned property?

                                  If you are thinking about buying a short sale or REO(bank owned property), know what to expect!  You must sit down with your agent and discuss strategies, especially time-lines, and your specific goals.  It is not as easy as you think and many regular resale properties can get you the same deals, without all the stress and anxiety.  Prepare yourself.  I have tried to give my clients who are thinking about purchasing a Short Sale or REO the pros and cons.  I always warn them about what to expect, but most of the time, they really don’t get the picture until they dive right in and are bedoming so stressed from not hearing from the 3rd party or from having  lost several REO contracts in a bidding war..

There is always a price to pay.  Like my mom said, “you don’t get anything for nothing!!

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