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12849 Cara Drive in Elysian Woods is Sold!

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Elysian Woods, Woodbridge  -  The 3 story at 12849 Cara Drive has been sold.

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NAR Donating $550,000 to Haiti Relief

The National Association of REALTORS® is contributing $550,000 to relief of victims of the Haiti earthquake, and is calling upon its 1.2 million members to help. “REALTORS® help build communities and there is no better time than now to do that in Haiti,” says NAR President Vicki Cox Golder. NAR is donating $500,000 to the Clinton Bush Haiti Fund and another $50,000 has already been donated to The Harvest of Haiti, founded by a 2007 winner of REALTOR® Magazine’s Good Neighbor Awards, Patrick Moore. Moore’s humanitarian outreach program in Haiti supports orphans, delivers clean water, and provides medical care to more than 3,500 people a year. Part of the NAR fund came from Lowe’s, a partner of NAR’s REALTOR Benefits® Program, which contributed $100,000 that was matched by NAR.
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Single Story For Sale in Sanderling

Exterior
Great Floorplan!

• 1,108 sq. ft., 2 bath, 2 bdrm single story - $220,000

 -  Spacious light filled condo with exceptional floor plan in great location.

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Changes to FHA Guidelines for Buyers

Well, it was predicted that FHA was going to make some changes and they were just announced today.  These are the changes that buyers need to knnow about"
  *  Upfront MIP raised to 2.25% from 1.75%.  This will be effective in the Spring on case assignments and the date is not known yet.  Once I know, you will know. 
  *  HUD has put in a minimum FICO of 580 for the 3.5% down payment.   This change will go into effect sometime in the summer.  Note, however, that investors have already raised the limit to 620 minimum so this is really not a big change for our industry, although there is a good possibility that we will see the investors go to 640.
  *  Seller concessions moving from 6% down to 3%.  This change will be posted sometime in February and will have an effective date in the early summer.  Again, once I know the date, you will know it.  
  *  Additional enforcement on lenders has been announced.  There will be additional information posted along with the neighborhood watch starting in February.  This effects mostly the way that lenders approve mortgages and we will see additional investor/industry guidelines because of this change.
NOW is the time to purchase. 
Current FHA Guidelines that buyers will qualify for NOW:
  *  Seller can pay up to 6% of sales price of buyer's closing costs.   Per HUD, this will change to 3% seller contribution in the next few of months requiring the buyer to have more money to purchase.
  *  Monthly MIP is .55 of base loan amount and the Upfront MIP is 1.75%.   This will change in the next couple of months to 2.25% for the Upfront MIP.  And there are rumblings that the monthly MIP will also increase- however, nothing has been put in writing yet of the monthly MIP increase.
  *  NO Minimum FICO score is required although the market is dictating a 620 norm with some investors already requiring 640.  There is a good possibility that 640 will become the norm by mid year.
  *  FHA allows Non-Occupying co-signers for income only.  FHA loans are the only loan that allow a relative to co-sign for the borrower and do not require the borrower to have any source of income.
  *  FHA allows Federal Tax (IRS) Tax Liens
To begin your search for the perfect home or to sell your home in Northern Virginia, call Kim Darwaza at 703-856-2254.  Please visit http://www.kimdarwaza.com to search the MLS for Northern Virginia listings.

FHA Lifts 90-day waiting period

HUD announced that they will allow purchasers using FHA loans to buy properties that have been owned less than 90 days by the sellers.  This should help homebuyer's to secure homes that they have been unable to make offers on.  Since a lot of flipping is going on in the Nothern Virginia Real Estate market there are many properties that are not available to homebuyers who are buying with FHA loans.  I have definitely seen an increase in flipped properties in the last month.  The investors are definitely out there in the market place turning around properties in less than 90 days.

Below is additional details provided by Inman News -

Starting Feb. 1, housing regulators will suspend for one year a 90-day waiting period on property resales that it says has put FHA borrowers at a disadvantage in bidding on foreclosed properties.

The waiting period on FHA financing of resales was implemented in 2003 to protect the Federal Housing Administration's mortgage insurance program from the impacts of home flipping.

The policy did not apply to properties repossessed by Fannie Mae, Freddie Mac, or state- and federally chartered financial institutions. In 2008, FHA lifted the 90-day waiting period on resales of all bank-owned (REO) properties (see story).

Now, although many other conditions still apply, the waiting period is being lifted on all resales -- including properties purchased and rehabbed by private investors.

Research shows that acquiring, rehabilitating and reselling properties to prospective homeowners often takes less than 90 days, the Department of Housing and Urban Development (HUD) said in announcing the change.

Some sellers of foreclosed properties have been reluctant to enter into contracts from potential FHA buyers because of the cost of holding a property for 90 days, and the risks that a vacant property would be vandalized, HUD said.

Lifting the waiting period "will allow homes to resell as quickly as possible, helping to stabilize real estate prices and to revitalize neighborhoods and communities," HUD said.

Lenders must have supporting documentation or a second appraisal if the sales price of a property increases by more than 20 percent from the seller's acquisition cost, HUD said in publishing the waiver requirements. The waiver does not apply to the Home Equity Conversion Mortgage (HECM) for purchase program.

 

To begin your search for the perfect home or to sell your home in Northern Virginia, call Kim Darwaza at 703-856-2254.  Please visit http://www.kimdarwaza.com to search the MLS for Northern Virginia listings.

Allegiance Raises Record Amount for Children's Miracle Network

Congratulations to all of those Allegiance members that chose to donate money to Children’s Miracle Network in 2009. We raised $173,572 for sick children in our markets, shattering our previous record and predicted to be more money raised than the previous ten years – combined!

As an agent with RE/MAX Allegiance I personally donate a portion of my commission from every transaction, in my clients names, to Children's Miracle Network.

http://www.childrensmiraclenetwork.org/

 

To begin your search for the perfect home or to sell your home in Northern Virginia, call Kim Darwaza at 703-856-2254.  Please visit http://www.kimdarwaza.com to search the MLS for Northern Virginia listings.

Waxpool Rd at Loudoun Co. Pkwy Tops List of Most Crash Prone Intersections in 2009

Loudoun County, VA: The intersection of Waxpool Road at Loudoun County Parkway in Ashburn, Virginia remains atop the list for the most crash prone intersection in Loudoun County for 2009.

 

Waxpool Road at Loudoun County Parkway saw 84 crashes in 2009 and was also the most crash prone intersection in 2008 with 86 crashes. The intersection of Harry Byrd Highway (Route 7) at Belmont Ridge was tied with the intersection of Route 7 and Potomac View Road as the second most crash prone intersection in Loudoun. Each intersection saw 73 crashes in 2009.

 

The following is the annual ranking of the most crash prone intersections for calendar year 2009. These statistics are compiled based on Sheriff’s Office data and do not include crashes worked by the Virginia State Police or the Leesburg Police Department.

 

Top 10 Crashes at Intersections Total Rank - 2008 Waxpool Rd/Loudoun County Pkwy 84 1 Harry Byrd Hwy/Belmont Ridge Rd 73 4 Harry Byrd Hwy/Potomac View Rd 73 2 Harry Byrd Hwy/

Ashburn Village Rd 59 8

Sully Rd/Waxpool Rd 53 3

Sully Rd/ Sterling Blvd 52 not listed

Sully Rd/Old Ox Rd 52 7

Harry Byrd Hwy/Sterling Blvd 49 10

Harry Byrd Hwy/George Washington Blvd 47 6 Route 7 Bypass/Charles Town Pike 47 not listed

 

 

Every year the Loudoun County Sheriff’s Office Traffic Research Analyst compiles the top ten intersections in the county with the highest number of crashes. This year’s traffic related statistics include 13 fatalities in Loudoun in 2009, down from 14 reported traffic related-fatalities in 2008. There were no traffic fatalities at any of the intersections on the list of the most crash prone intersections.

 

To begin your search for the perfect home or to sell your home in Northern Virginia, call Kim Darwaza at 703-856-2254.  Please visit http://www.kimdarwaza.com to search the MLS for Northern Virginia listings.

December 2009 & Recap of 2009 - Northern Virginia Real Estate Market Statistics

2009: It’s a Wrap

Source: NVAR - www.nvar.com

For those selling homes this past December in Northern Virginia, the average sale price was up a smidge more than 12 percent over December 2008 numbers. And for our Greater Northern Virginia region, which extends west and north of Fairfax County, average home prices spiked more than 18 percent compared to the previous year.

Not bad in a year dubbed as the Great Recession. Still, we know it was not an easy year for many. In other parts of the country, quality of life approached that of the Great Depression. But not here in Northern Virginia, thankfully.

Preliminary data, which will be confirmed later in the first quarter of 2010, show that year-to-date average sales prices were down 5.5 percent in Fairfax, Arlington, Falls Church and Alexandria. And our Greater Northern Virginia region fared a tad better with a 5.3 percent average sales price decline. By many measures, this reflects a stable housing market, which will only inch upward as the tax credit continues to benefit first-time home buyers and home owners thinking about and deciding to buy another primary residence home.

Turns out that December data posted some declines that everyone is likely happy about: Days on the Market. In both Northern Virginia and Greater Northern Virginia, average time on the market was under two months, when last year houses took about 100 days, on average, to sell. Our region’s absorption rate dropped to about four months’ supply from 2008’s five month supply. This reduction could be a direct result of the tax credit first set in place this past February in President Obama’s American Recovery and Reinvestment Tax Act of 2009.

So what’s up for 2010? Based on the number of home sales, housing is doing reasonably well with brisk, encouraging pending sales activity in the pipeline in what is typically one of real estate’s slowest months. While the pending numbers are lower compared to December 2008, we anticipate that because of the extended tax incentives, sales activity numbers will remain brisk in early 2010.

Facts Supporting that 2009 Ended with Great Expectations

1. January 2009 opened with 998 Northern Virginia homes sold;
 December 2009 ended with 1,349 homes sold: a 26 percent increase.

2. January 2009 opened with homes taking, on average, 99 days to sell;
December 2009  ended with Northern Virginia homes taking 57 days to sell: a 42 percent decrease.

3. The January 2009 absorption rate was seven and one-half month’s supply, with inventory whittling down to a four month’s supply by year’s end.

4.  December’s average sale price in Northern Virginia, $474,104, closed 26 percent higher than January 2009’s average sales price of $376,669. And the December median sale price was $385,000 a 20 percent increase over January’s median of $320,000.

Mortgage Rates to Remain Near Zero

Economists said the Fed is all but certain to leave rates at record lows at its next meeting on Jan. 26-27 and probably for a good chunk of this year.
"Overall, there is nothing here to suggest that interest rates will rise for quite some time," Paul Ashworth, economist at Capital Economics, said of the Fed minutes.
Source: Cited from:
http://www.usatoday.com/money/economy/fed/2010-01-06-fed-meeting-minutes_N.htm

Index forecasts slower growth in first half
Gross Domestic Product Growth Expected to Moderate in 2010

“The USA TODAY/IHS Global Insight Economic Outlook Index shows moderating but firm growth in the first half of 2010 after a strong recovery in the second half of 2009.
“. . . The December update of the USA Today/IHS Global Insight Economic Outlook Index indicates the economy is recovering strongly from the recession. The last months of 2009 are likely to post strong gains in real gross domestic product as trade and inventories provide a boost. “
Check out graphs that track the pulse of the economy here:
http://www.usatoday.com/money/economy/economic-outlook.htm

December 2009 Regional Home Sales

Northern Virginia: December 2009

The Northern Virginia Association of Realtors® reports on December 2009 home sales activity for Fairfax and Arlington counties, the cities of Alexandria, Fairfax and Falls Church and the towns of Vienna, Herndon and Clifton.

A total of 1,349 homes sold in December 2009, a 10.66 percent decrease below December 2008 home sales of 1,510.
 
Active listings decreased by 29.49 percent from last year, with 5,421 active listings in December, compared with 7,688 homes available in December 2008. The average days on market (DOM) for homes in December 2009 decreased by 38.04 percent to 57 days, compared with 92 days in December 2008.
 
Sales prices rose compared with those realized last year. The average sales price in December increased by about 12 percent from December 2008, to $474,104, compared with last December’s average of $422,674.
 
The median price of homes sold in Northern Virginia also rose in December to $385,000, which is an increase of 13.24 percent compared with December 2008’s median price of $340,000.

The number of pending home sales in Northern Virginia in December shows a decrease of 7.27 percent at 1,225 compared to 1,321 contracts pending in December 2008. 

Greater Northern Virginia: December 2009
Sales activity in Greater Northern Virginia (NVAR jurisdictions plus Prince William, Loudoun and the Greater Piedmont counties) for December 2009 shows a decrease from December 2008, although average sales prices have risen.
 
The number of Greater Northern Virginia region homes sold in December was 2,485 an 18.04 percent decrease from December 2008’s total of 3,032 sales. Pending home sales showed a similar decrease, from 2,976 in December 2008 to 2,412 in December 2009, an 18.95 percent reduction.
 
The average sales price of $395,368 in December 2009 increased by 18.29 percent over December 2008’s average sales price of $334,239.
 
Across Greater Northern Virginia, the number of listings continued to show a significant decrease from 2008 numbers, with 11,294 listings active, which is almost 30 percent less than this time last year, when 15,890 homes were available. The average DOM for a home sold in December 2009 was 56 compared with last year’s 100 DOM, a decrease of 44.25 percent.

To begin your search for the perfect home or to sell your home in Northern Virginia, call Kim Darwaza at 703-856-2254.  Please visit http://www.kimdarwaza.com to search the MLS for Northern Virginia listings.

2009 RE/MAX Allegiance Statistics

Although the markets we cover continue to be challenged, we had a great year in 2009!

Closed Transactions: 8,174

Volume: $2.6B

Commissions Paid: $72M

Associate Count: 657

 

To begin your search for the perfect home or to sell your home in Northern Virginia, call Kim Darwaza at 703-856-2254.  Please visit http://www.kimdarwaza.com to search the MLS for Northern Virginia listings.

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Open House in Belmont Country Club on Sunday

January 2010
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Belmont Country Club, Ashburn  -  We invite everyone to visit our open house at 43600 Edison Club Court on January 10 from 1:00 PM to 4:00 PM.

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Northern Virginia November 2009 Regional Home Sales

Northern Virginia: November 2009


The Northern Virginia Association of Realtors® reports on November 2009 home sales activity for Fairfax and Arlington counties, the cities of Alexandria, Fairfax and Falls Church and the towns of Vienna, Herndon and Clifton.

A total of 1,567 homes sold in November 2009, a 42.45 percent increase above November 2008 home sales of 1,100.
 
Active listings decreased by 27.51 percent from last year, with 6,067 active listings in November, compared with 8,369 homes available in November 2008. The average days on market (DOM) for homes in November 2009 decreased by 45.05 percent to 50 days, compared with 91 days in November 2008.
 
Sales prices rose slightly compared with those realized last year. The average sales price in November increased by about one percent from November 2008, to $428,581, compared with last November’s average of $423,088.
 
The median price of homes sold in Northern Virginia rose in November to $374,000, which is an increase of 11.64 percent compared with November 2008’s median price of $335,000.

The number of pending home sales in Northern Virginia in November shows an increase of 5.21 percent at 1,534 compared to 1,458 in November 2008.

Greater Northern Virginia: November 2009
Sales activity in Greater Northern Virginia (NVAR jurisdictions plus Prince William, Loudoun and the Greater Piedmont counties) for November 2009 shows an increase from November 2008.
 
The number of Greater Northern Virginia region homes sold in November was 2,757 a 15.94 percent increase from November 2008’s total of 2,378 sales. Pending home sales showed a decrease from November 2008’s 3,016 to 2,817 in November 2009, a 6.6 percent reduction.
 
The average sales price of $367,717 in November 2009 increased by 11.87 percent over November 2008’s average sales price of $328,691.
 
Across Greater Northern Virginia, the number of listings showed a decrease from 2008 numbers, with 12,330 listings active, which is 28.53 percent less than this time last year, when 17,252 homes were available. The average DOM for a home sold in November 2009 was 52 compared with last year’s 98 DOM, a decrease of 46.79 percent.

Fed Upgrades Assessment of Economy

“The Fed's assessment of the economic landscape was more upbeat than a month ago…” according to the Wall Street Journal.

. . . “Recent data hint that the recovery is taking hold. The U.S. unemployment rate declined to 10% in November, an unexpected drop that bolstered hopes the labor market has turned the corner. Robust retail sales and rising consumer confidence, meanwhile, have raised expectations for strong economic growth in the fourth quarter.
At the same time, inflation has been tame, giving policymakers room to wait before beginning to push up interest rates. Core consumer prices were unchanged last month.” …

For the full story, read here: http://online.wsj.com/article/SB126098948664194127.html

Checking the Health of the Housing Recovery
Waiting for the pain in residential real estate to end?

Business Week reported that there are more signs of recovery for the U.S. housing market. Existing home sales jumped 10.1% in October. Data for that month shows that homes were bought and sold at the rate of 6.1 million per year—much better than the 4.5 million rate in the beginning of 2009.

 “Home prices remain depressed but may have hit bottom. . . .When the weather gets warmer in spring, home buyers come out of hibernation and housing prices often move higher. The spring of 2010 may be the market's best hope for a significant upswing in home values—the first in more than three years, says Michael Englund, chief economist at Action Economics.”

For the full story, go to: http://www.businessweek.com/investor/content/nov2009/pi20091123_519927.htm

To begin your search for the perfect home or to sell your home in Northern Virginia, call Kim Darwaza at 703-856-2254.  Please visit http://www.kimdarwaza.com to search the MLS for Northern Virginia listings.



Homeowner Tip: Water Damage Prevention Checklist for Your Home

Now that fall is winding down and we have to face the fact that winter is just around the corner, one way of escaping reality is to turn our thoughts to the excitement of holiday travels or warm weather vacations.  But before you leave home during the winter months - whether it's for a week, a month, or just an evening - it is a great idea to make sure you've taken all the steps to protect your home against potential water damage.

Why now?  Ameriprise Home Insurance research shows the majority of water damage claims occur in winter months when pipes and appliances are more vulnerable to unexpected changes in temperature.  And, if something breaks, it invaribly happens when nobody is home - Murphy's law, right?  Left unchecked, running water can cause massive amounts of damage in less than an hour.

Water Damage losses represented 26% of all 2008 home claims by insurance companies – and the majority occurred in December and January.

 

For example, one of our clients turned his heat down to 45 degrees before he left home for a long weekend last December.  While he was gone the temperature outside dropped an unexpected 18 degrees in just a matter of hours.  When he arrived home, he found that an unprotected pipe had frozen and burst - and water had been pouring down the walls of his house.  In the end, there was more than $50,000 in damages, not to mention the hearbreak of losing irreplacable items and the headache of cleanup and repair. 

But there are a few easy things you can do to reduce your risk for water damage (like never setting the heat below 55 degrees).  We've listed some of them below.

 

Water Damage Prevention Checklist

OVERALL

ü      Know in advance where your main water shut-ff valve is located and how to open and close it

ü      Never set the heat lower than 55° Fahrenheit

ü      Never leave the house with appliances like the dishwasher or washing machine running

ü      Use moisture-activated water alarms and check batteries regularly

ü      Shut off main water supply when leaving home for extended period of time

OUTSIDE

ü      Remove debris from gutters and storm sewers

ü      Make sure drain spouts slope away from the house

ü      Check roof for signs of wear or deterioration

ü      Remove hoses and turn off water to all outdoor taps before the first frost

INSIDE

ü      Check seals around tubs, showers, sinks and toilets

ü      Check hoses for secure fit or leaks on refrigerators, dishwashers, sinks and disposals; replace hoses and fittings regularly

ü      Inspect washing machine hose for brittleness or corrosion; replace with stainless steel reinforced hose

ü      Leave at least four inches between water connection and back of washing machine to prevent kinks

ü      Install a shut-off valve just for the washing machine – close it before leaving home for extended period of time

ü      Inspect water heater for signs of rust, deterioration, full overflow pan or clogged drain lines

ü      Check attic spaces and ceilings for sings of water stains or wet insulation

ü      Test sump pump system every month and have a back-up system

ü      Check that floor drain is free of debris

ü      Surround unprotected water pipes with heating tape or insulating foam

 

To begin your search for the perfect home or to sell your home in Northern Virginia, call Kim Darwaza at 703-856-2254.  Please visit http://www.kimdarwaza.com to search the MLS for Northern Virginia listings.

Metro DC Housing Market Update - December 15, 2009

From WTOP.com:

The local housing market is gaining steam.

But it feels like there are two housing markets in one, says John McClain, senior fellow at George Mason University.

According to new numbers being analyzed by McClain, existing home sales are up an average of 40 percent in the metropolitan region, when comparing sales from November with sales from November 2008.

Sales are up 98 percent in D.C.; 78 percent in Maryland and 16 percent in Northern Virginia.

McClain says lower prices are fueling big spikes in sales.

Home prices are in the positive territory for the first time since early 2007. McClain says overall in the region, home prices were up 3 percent in November, compared with November 2008.

But the price increase relies heavily on Northern Virginia, where prices spiked by 10 percent. Home prices have gone up for three consecutive months.

In the rest of the region, home prices are still down. In Maryland, home prices are down by 9 percent. In D.C., they’re down by 7 percent.

However, people should put the Northern Virginia numbers in perspective. Last year, prices were down by 30 percent when compared with 2007 data.

“Northern Virginia went up the most and went down the most, but has come out the earliest,” McClain says.

He says Maryland and D.C. should soon follow suit, rebounding in home prices as well as home sales.

 

To begin your search for the perfect home or to sell your home in Northern Virginia, call Kim Darwaza at 703-856-2254.  Please visit http://www.kimdarwaza.com to search the MLS for Northern Virginia listings.

The Short Sale Deficiency Note

One of the first questions that I always get from potential short sale listing clients is, "Will I have to Carry a Deficiency Note?".  Generally it has varied from bank to bank and deficiency to deficiency.  The good news for sellers is that because of the Obama Stimulus Plan you at least will not have to pay taxes on the forgiven debt.  I work with Foreclosure Response Team to negotiate all of my Northern Virginia Short Sale Real Estate listings.  That way I can spend my time focusing on marketing and selling your home as I would with my traditional sale listings.  Below is information that FRT has provided me this week regarding the deficiency questions and issues that I am being asked. 

Many of you have contacted me with questions on how to deal with the issue of deficiencies.  We are seeing more and more lenders asking for seller's to bear some of the burden of a deficiency by contributing cash, signing a note or perhaps doing both at closing.  This is especially true if you are selling an investment property or a second home or if your seller has a HELOC on their property.
 
Given that many sellers do not fully understand the implications of a short sale and believe that by doing a short sale, they are entitled to walk away without penalty, we are seeing seller's balk at the terms of the short sale and contemplate walking away (i.e. allowing lender to pursue foreclosure) or considering bankruptcy.
 
What most seller's do not understand is that bankruptcy will not eliminate the foreclosure from occuring.  All it does is eliminate the personal liability attached to the mortgage.  Thus, the once the seller is discharged from the bankruptcy proceeding, the lender can and will pursue the foreclosure.   So unless they are able to make their mortgage payments, they will lose the house.
 

 


If you are interested in exploring short selling your home in Northern Virginia please contact Kim Darwaza at 703-856-2254 to discuss the short sale process.  Kim Darwaza is a Northern Virginia Short Sale Expert and Realtor with RE/MAX Allegiance.  For additional information on Short Sales in Northern Virginia please visit my dedicated Northern Virginia Short Sale website at http://www.NOVAForeclosureRelief.com

3 Story For Sale in Belmont Country Club

Welcome Home!
All the Bells and Whistles

• 6,145 sq. ft., 5 bath, 4 bdrm 3 story "Center Hall Colonial" - $1,250,000

 -  Gourgeous Toll Brothers Henley Model with all of the Bump-Outs and Upgrades in Prestigious Gated Belmont Country Club Community.

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