Do Your 2012 New Years Resolutions Include Your Finances

Does your 2012 New Year’s Resolution Include Getting Your Financial House in Order?

Many of us have the urge each year to seize control of our financial house but we really don’t know where to start.
You know, those well intended New Year Resolutions that start off with a bang and fizzle out a few weeks later?

Well if you’re finally fed up and ready to say “the buck stops here” then here are some critical steps to help you.

1. ATTACK AND PRIORTIZE YOUR SPENDING

Budgets are not your enemy! To rein in spending, follow these tips; for a month, write down every last penny you fork over, so you can figure out where the leak is. Then cut out those items you want, as opposed to truly need. Also, pay cash for almost everything, because using credit cards becomes so painless in the beginning but it can really hurt when you get the bill; yes, it’s easy to rack up huge bills.

2. START SAVING EARLY

Consider this scenario – if you begin saving at age 25 and contribute $2,000 a year you’ll end up with more than $315,000 in savings by age 65.

3. DIVERSIFY, DIVERSIFY, DIVERSIFY

Unless you can somehow read the future, you should probably hedge your bets and spread your wealth among numerous asset classes. That way, if one area tanks–the stock market, bonds, or real estate–you won’t be wiped out, and the other sectors will mitigate your losses. Younger investors are content with a healthy percentage of higher-risk equities, because they can weather any temporary storms. Those closer to retirement tend to lean more toward safer bonds or cash.

4. STOP BUILDING DEBT

Admit it – you haven’t done this very well; new cars, consistent weekend entertainment, clothing and more – sounds like splurging on all wants and very little needs. Cut out the things you really don’t need.

5. PREPARE FOR EMERGENCIES AND BUILD UP SAVINGS

So if you’re still thinking about your upcoming New Year Resolutions, consider taking control and changing your financial future for the better.

LET’S TALK REAL ESTATE :    REAL ESTATE CYBERTIPS

Loudoun County and Northern Virginia Real Estate Sales and Solutions – Helena Talbot, Broker. 

I specialize in helping buyers and sellers invest in real estate in the Northern Virginia area to include Loudoun County and surrounding areas including Clarke, Fauquier, Prince William and Fairfax Counties.  Some of our local neighborhoods include Leesburg, Ashburn, Sterling, Potomac Falls, Brambleton, Broadlands, Lansdowne, River Creek, Belmont Country Club, Beacon Hill, Shenstone, Waterford, Lovettsville, Lucketts, Purcellville, Hamilton, Round Hill and Bluemont

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Overcoming Buyers Remorse

The only way to overcome remorse is through Change;

Many home buyers suffer from buyer’s remorse after they complete the closing on their brand new house. This is common not only because it represents a significant change in your life but many people buy with thoughts of grandeur only to succumb to reality after buying the home.

If you’re suffering from home buyer’s remorse, try to follow these tips to deal with the regret you feel.
Remember why you fell in love in the first place…/P>

Oftentimes, home buyer’s remorse is a result of new problems you find in a home, so try to remember why you thought it was such a good idea during your first tour. In most cases, your fears are just products of stress and worry, which are making small problems seem like big ones. Take a deep breath and search to overcome before it becomes a bigger headache.

Get to Re-Decorating…

Perhaps you’re experiencing home buyer’s remorse because your house just doesn’t feel like home yet. If you start decorating your house – new paint, new floors, new window treatments, new counter tops – it will start to look like a place in which you want to live. If you don’t have the cash to replace things just yet, start putting your own pictures on the walls and knick-knacks on the shelves.

Stop the “Would have, Should have” Thinking…

A major pitfall that can cause home buyer’s remorse is the continual scouring of the Internet for other, better houses. You can’t return the one you just bought, so stop looking at listings on the Internet.

Sure, that other house might have a bigger master bedroom or prettier landscaping, but that isn’t the one you chose to buy. You’ll sink yourself farther into regret by looking at houses you just can’t have.

Home buying is a major decision and every aspect of living in the home should be contemplated. Not just the financial aspects of your new home but think about the impact on your family – will you be happy living in that neighborhood, next to those neighbors, in that environment?

Keep in mind, change happens and you can overcome the feelings you have now. Whatever is bothering you now, you are able to change it for the better.

LET’S TALK REAL ESTATE :    REAL ESTATE CYBERTIPS

Loudoun County and Northern Virginia Real Estate Sales and Solutions – Helena Talbot, Broker. 

I specialize in helping buyers and sellers invest in real estate in the Northern Virginia area to include Loudoun County and surrounding areas including Clarke, Fauquier, Prince William and Fairfax Counties.  Some of our local neighborhoods include Leesburg, Ashburn, Sterling, Potomac Falls, Brambleton, Broadlands, Lansdowne, River Creek, Belmont Country Club, Beacon Hill, Shenstone, Waterford, Lovettsville, Lucketts, Purcellville, Hamilton, Round Hill and Bluemont

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Waiting Might Cost MORE!

The housing market has been in a downward trend for four years. There is some speculation that inventories will not reduce any time soon which will be necessary for prices to rise. However, there are other factors that can increase the cost of housing, specifically mortgages. FHA accounts for a large percentage of the current housing loans and is expected to be even more prominent when the Qualified Residential Mortgage Guidelines go into effect next year.

Rising rates are almost certain, due to looming inflation fueled by higher gas and food prices and the enormous amount of deficit spending

FHA loan limits have been reduced – they are lower than conventional limits in most markets and FHA has suggested that they might be reduced further.

FHA might increase the down payment to 5% or higher in an effort to have a more secure loan that will have less likelihood of going to foreclosure.

FHA might decrease the amount of seller contributions in a similar move to require the buyer to have a larger investment in the home and therefore be a more “qualified” borrower.

Congress may decide to increase the up-front MIP to build up the FHA reserves. The annual MIP has been adjusted twice since October 2010 when the Up-Front MIP was actually reduced.

Due to tougher conventional requirements, demand for FHA loans could exceed maximum annual insurable limits. If Congress is having a hard time raising the limit on national debt, they might not even consider raising the limits for FHA.

In an effort to solidify the lending industry, qualifying is becoming harder for the buyer and more expensive at the same time. Many of the rules changes could go into effect next year. In addition, market factors could easily play a role in increasing buyer’s costs. Waiting will very probably require a larger up-front investment for buyers in the future.

LET’S TALK REAL ESTATE :    REAL ESTATE CYBERTIPS

Loudoun County and Northern Virginia Real Estate Sales and Solutions – Helena Talbot, Broker. 

I specialize in helping buyers and sellers invest in real estate in the Northern Virginia area to include Loudoun County and surrounding areas including Clarke, Fauquier, Prince William and Fairfax Counties.  Some of our local neighborhoods include Leesburg, Ashburn, Sterling, Potomac Falls, Brambleton, Broadlands, Lansdowne, River Creek, Belmont Country Club, Beacon Hill, Shenstone, Waterford, Lovettsville, Lucketts, Purcellville, Hamilton, Round Hill and Bluemont

 CHECK THIS LINK!

Tips For Renting Out Your Vacation Property

Many vacation properties can get overshadowed by the big chain hotels but that doesn’t mean there isn’t a crowd looking for your home. The secret is, let them know what’s in store for them and inspire them with all the reasons they shouldn’t stay at a hotel.

One of biggest fears these days are picking up the dreaded vampire bug (bed bugs) from public places. Capitalize on this fact – while private vacation homes have a chance of becoming infected with these bugs, there’s less of a chance since your home is not as exposed as public hotels.

Another feature of Vacation homes is that it becomes more of a secluded getaway with lots more privacy. Guest will enjoy less noise, less stress but still lots of fun.

There are a variety of problems that can be easily overcome when renting out your vacation home;

• Lower the price. One big mistake people make is they don’t price according to the season. Your vacation home may command top-dollar in the summertime, but fewer winter travelers will mean more hotels and vacation homeowners are competing for the same few customers. Likewise, winter travelers are often more budget-conscious than those who travel in peak season, so price may be an important factor in their decisions.

• Team up with local businesses. When you rent out your vacation home, local businesses can benefit from increased business. Call your local restaurants, ski resorts, marina, water parks, amusement parks, movie theaters and arcades for discount or free coupons to add to your vacation package. Tell those businesses how often you have renters and how many people tend to visit per vacation.

• Increase and update advertising. Though you may be tempted to cut back on advertising when there’s less money coming in from your vacation property, the slow season is the time to ramp marketing efforts up. Find ways to make the property seem more enticing. Emphasize amenities such as a fireplace, Jacuzzi or hot tub. If you have these features, make sure that’s front and center in your advertisements because it’s something people are looking for. Also, if your property is near attractions, promote that fact.

• Know your audience. It’s always easier to craft an effective sales pitch when you understand your customer. If you allow dogs, many times you can attract travelers who are having a difficult time finding a vacation home that accepts pets. Large families looking for more of a budget vacation can take advantage of private vacation homes.

When it comes to renting out your vacation home, go the extra mile to create an outstanding experience for the guest, whether it’s through price cuts or a stocked pantry. It’s may mean more work, but it’s definitely worth it.

LET’S TALK REAL ESTATE :    REAL ESTATE CYBERTIPS

Loudoun County and Northern Virginia Real Estate Sales and Solutions – Helena Talbot, Broker. 

I specialize in helping buyers and sellers invest in real estate in the Northern Virginia area to include Loudoun County and surrounding areas including Clarke, Fauquier, Prince William and Fairfax Counties.  Some of our local neighborhoods include Leesburg, Ashburn, Sterling, Potomac Falls, Brambleton, Broadlands, Lansdowne, River Creek, Belmont Country Club, Beacon Hill, Shenstone, Waterford, Lovettsville, Lucketts, Purcellville, Hamilton, Round Hill and Bluemont

 CHECK THIS LINK!

Avoiding Capital Gains Tax

Avoiding Capital Gain Taxes with the Home Sale Exclusion

Homeowners are already aware of the well-known tax breaks Uncle Sam offers; most notably mortgage interest and property tax deductions. Well, for home sellers there is a big gain; most of them won’t owe the Internal Revenue Service a single dime.

When you sell your primary residence, you can make up to $250,000 in profit if you’re a single owner, twice that if you’re married, and not owe any capital gain taxes.

Before May 7, 1997, the only way you could avoid paying taxes on the piece of profit you made from the sale of your home was to use the money to buy another, more-expensive house within two years. And sellers age 55 or older had one other option; they could take an once-in-a-lifetime tax exemption of up to $125,000 in profits.

When the Taxpayer Relief Act of 1997 became law, the home-sale tax burden was eased for millions of residential taxpayers. The rollover or once-in-a-lifetime options were replaced with the current per-sale exclusion amounts.

Do You Qualify? The “Use” Test 

• Exemption Limited to Every Two Years:  You can only qualify for the home sale exemption from the capital gains tax once every two years.

• The Use Test: To qualify for the home sale capital gains tax exemption, you must have owned and lived in the residence for a total of two out of the last five years before the sale.  That time does not have to be continuous, which would allow you to live in the house for the first year, rent it for three years, then live in it for the fifth year and still qualify.

• If You Fail the Use Test:  Even if you fail the use test, you can still get a prorated exclusion on your capital gains if you sold your house because of a change in employment, health reasons, or other unforeseen circumstances.  For example, if you only lived in a house for a year because of a job change, you would be entitled to a $125,000 exemption (half of the $250,000 exemption you would have received).

• Nursing Home Exception:  While normally  you are required to own and live in the house for two of the last five years, people who end up living in a nursing home can have this requirement lessened to only one out of five years.  In addition, time spent in the nursing home counts towards the use test as if it were the original home.

So if you’re considering selling your home but you’re just a bit shy of that 24 month mark, hold on until you hit that 2yr period and you’ll gain a lot more in capital gains.

LET’S TALK REAL ESTATE :    REAL ESTATE CYBERTIPS

Loudoun County and Northern Virginia Real Estate Sales and Solutions – Helena Talbot, Broker. 

I specialize in helping buyers and sellers invest in real estate in the Northern Virginia area to include Loudoun County and surrounding areas including Clarke, Fauquier, Prince William and Fairfax Counties.  Some of our local neighborhoods include Leesburg, Ashburn, Sterling, Potomac Falls, Brambleton, Broadlands, Lansdowne, River Creek, Belmont Country Club, Beacon Hill, Shenstone, Waterford, Lovettsville, Lucketts, Purcellville, Hamilton, Round Hill and Bluemont

 CHECK THIS LINK!

Equity Sharing For First Time Home Buyers

Looking to take advantage of the low interest rates coupled with a healthy inventory of low-priced homes? Are you worried about the down payment requirements? Consider Equity Sharing.

Equity Sharing is a creative approach for those who can afford a monthly mortgage but have not saved up enough for the initial down payment. It is also a way for people to make relatively a low risk investment in real estate which provides wonderful tax benefits.

For example, an equity-sharing arrangement enables parents or another party to contribute all or part of the down payment for the intended occupants; the rules will probably differ depending if you are equity sharing with your parents or an investor.

The investor will be listed on the title and are paid rent for their ownership stake, which can be put toward such expenses as insurance, maintenance, and property taxes that can be deducted from their income taxes.

For an agreed number of years, the first-time homebuyer will live in the home, and keep it up; at the end of the agreed term, the occupier buys out the investor by repaying his contributions plus an agreed percentage of the appreciation. If the occupier doesn’t want or can’t afford the buyout, the property is sold, each owner gets their contributions, and any profits are shared.

Equity sharing’s greatest advantage to a first time homebuyer is to become a homeowner long before he/she could save up money for a down payment. The Investor’s greatest advantage is to earn a portion of the home’s equity appreciation without paying its expenses – a win-win if the contract terms are agreed upon.

Consult a Real Estate Attorney

When buying real estate with another person, first time homebuyers need to decide how title will be held, and your decision will determine what is written on the deed to the property.

Usage Rights are very important because they are the most common subjects of shared ownership disputes particularly among groups of friends or relatives.

The donation of funds to purchase the home will determine how much each co-owner will contribute to the purchase of the property and how the future rights and benefits of this ownership will be allocated among the co-owners.

Sure, this arrangement sounds good, especially when a first time homebuyer finds their dream home but remember, no matter how friendly co-owners might be, it is essential to have a formal backup plan in case things don’t turn out as planned.

LET’S TALK REAL ESTATE :    REAL ESTATE CYBERTIPS

Loudoun County and Northern Virginia Real Estate Sales and Solutions – Helena Talbot, Broker. 

I specialize in helping buyers and sellers invest in real estate in the Northern Virginia area to include Loudoun County and surrounding areas including Clarke, Fauquier, Prince William and Fairfax Counties.  Some of our local neighborhoods include Leesburg, Ashburn, Sterling, Potomac Falls, Brambleton, Broadlands, Lansdowne, River Creek, Belmont Country Club, Beacon Hill, Shenstone, Waterford, Lovettsville, Lucketts, Purcellville, Hamilton, Round Hill and Bluemont

 CHECK THIS LINK!

10 Things You Should Not Do When Buying A Home

Even when you have great credit, there are things you can do to make lenders think twice about approving your mortgage loan.

Most people focus on the initial credit check when applying for a mortgage loan, but that’s only the pre-approval stage; as underwriters scrutinize your history they’ll ask for updated financial, employment and credit information. There are plenty of things you should not do until you go to closing;

1.Don’t change your job before applying for a home loan. Along with that, now is not the right time to become self-employed or quit your job. You want to show lenders stability, which means you’ll be less likely to default on the loan.

2.Don’t change banks; you want your history to show stability.

3.Don’t buy a car or truck or any other form of transportation that you have to finance. Buying one increases your debt-to-income ratio and that’s something loan officers don’t want to see

4.Don’t buy furniture on credit before buying your house. Like financing a car, charging big-ticket items increases your debt-to-income ratio and now is not the time.

5.Don’t be late on your credit card payments or charge excessively. You need a track record of responsibility and show that you can manage your money.

6.Don’t make large deposits into your bank accounts. Lenders like the money that will be your down payment to be sitting in your account for at least two months’ what they call seasoning so that the funds don’t just appear out of the air.

7.Don’t co-sign a loan for anyone. Even if you’re not the one making the payments on that loan, it increases your debt-to-income ratio.

8.Don’t have inquiries made into your credit. Looking for new credit translates into higher risk for lenders. If your inquiries are related to your mortgage search, it usually doesn’t affect your credit score because the assumption is you’re rate shopping. But opening credit accounts within a short period of time represents some risk and your credit could take a hit. It’s probably not a huge factor in your calculating your ability to repay a loan but why take a chance at this juncture?

9.Don’t lie on your loan application. Sounds simple, right? But don’t leave out any debts or liabilities you have or fudge your income.

10.Don’t spend your money savings meant for closing costs. Part of the price of financing a loan is the closing costs and you’ll likely have some responsibility for paying them. Make sure you have enough for your share of the closing obligations.

It may be tempting to go shopping for and a few needs, but wait it out until the underwriting department has approved your loan application and you get the keys to your new home.

LET’S TALK REAL ESTATE :    REAL ESTATE CYBERTIPS

Loudoun County and Northern Virginia Real Estate Sales and Solutions – Helena Talbot, Broker. 

I specialize in helping buyers and sellers invest in real estate in the Northern Virginia area to include Loudoun County and surrounding areas including Clarke, Fauquier, Prince William and Fairfax Counties.  Some of our local neighborhoods include Leesburg, Ashburn, Sterling, Potomac Falls, Brambleton, Broadlands, Lansdowne, River Creek, Belmont Country Club, Beacon Hill, Shenstone, Waterford, Lovettsville, Lucketts, Purcellville, Hamilton, Round Hill and Bluemont

 CHECK THIS LINK!

The Update On Short Sales

In a nutshell, Short Sales are becoming easier to negotiate.

Who would have thought that Lenders would finally understand that Foreclosures were not only time consuming and a debt-load on the books but Short Sales help avoid the expenses of a foreclosure? Well, with a rising inventory of foreclosures, mounting lawsuits over the robo-signing debacle lenders are left with very little options right now.

Many lenders have committed to increasing their staff to institute more short sale deals and off load their rising inventory of foreclosed properties. Short Sales will be one of the largest parts of real estate deals for the next two years or more.

The most common and successful type of workout today is the short sale, in which the property is sold for less than what is owed on the mortgage. The lender agrees to accept the short sale price to satisfy the mortgage, absorbing the deficiency as a loss and forgiving the borrower of the obligation to pay the deficiency (if there is such an obligation.)

In some cases, especially if the borrower has some level of assets, the bank may agree to a short sale offer but not deem the offer to be great enough – and thus require the borrower to add some cash at closing – but less than the full deficiency amount.

Lenders accepting short sales recognize that with a high enough short sale price, they may be better off accepting the moderate loss than going through the time and expense of a foreclosure.

Borrowers are interested in doing short sales because a successfully negotiated short sale removes the liability of the deficiency hanging over their heads. Also, many borrowers want to avoid having a foreclosure on their credit records.

Millions of Americans are choosing strategic defaults’s simply walking away from their mortgages and homes but think in terms of what the bank is considering? You really have the upper hand because banks do not want to spend the money to go through the foreclosure process. At least with short sales they get close to what is actually owed on the home.

Short sales can take anywhere from 1-4 months to complete. The time line will depend on how quickly paperwork and evaluations are completed and how fast the lender wants to move on the issue.

Keep in mind, a short sale can prevent foreclosure and other legal proceedings while allowing you to save your credit.

LET’S TALK REAL ESTATE :    REAL ESTATE CYBERTIPS

Loudoun County and Northern Virginia Real Estate Sales and Solutions – Helena Talbot, Broker. 

I specialize in helping buyers and sellers invest in real estate in the Northern Virginia area to include Loudoun County and surrounding areas including Clarke, Fauquier, Prince William and Fairfax Counties.  Some of our local neighborhoods include Leesburg, Ashburn, Sterling, Potomac Falls, Brambleton, Broadlands, Lansdowne, River Creek, Belmont Country Club, Beacon Hill, Shenstone, Waterford, Lovettsville, Lucketts, Purcellville, Hamilton, Round Hill and Bluemont

 CHECK THIS LINK!   

How To Make Your Home Appear The Best On The Block

Maximizing curb appeal is the simplest way to dramatically and immediately improve the look of a home. By improving the front of your home, including landscaping, front sidewalks, and the home façade you will not only stand out but your home will invite people in, wondering what wonderment is behind the door.

You may think curb appeal automatically means lots of upgrades and a ton of money, but neat and low cost says a lot. There are plenty of ways to spruce up the front of your home without bleeding your pockets.

Mow the lawn, clean up any weeds and prune shrubs. This can all be done with a bit of elbow grease and a little of your time. This doesn’t mean planting new flowers or installing a costly sprinkler system. It only means making things neat. Sure, if you have a few bucks to spend on flowers to add color, then by all means plant a few but a green front speaks volumes because potential buyers will let their imagination fill in the spots.

Keep in mind, an ordinary house with great, beautiful landscaping would probably sell faster (and for a higher price) than an extraordinary house with shameful landscaping. People love beauty and seeing beautifully designed and planted landscapes. It inspires them and lets their imagination run wild.

For those who have a modest amount to spend on curb appeal are two great buys; (1) Fertilizer and mulch! The fertilizer will create a lush green color and help grow your grass quicker and healthier and the mulch makes for a nice neat appearance. (2) Adding a large pot full of plants on either side of the front door would be an amazing focal point!

Invest in lighting; light the pathways with solar fixtures and you can purchase a few individual solar lights at well-known gardening supply stores’s only $4.00 a piece in some stores.

Here are a few ideas to help you bring out the best of your home and become the dream house on the block;

-A nice coat of Paint makes a huge difference! Repainting the window trim, front door and address number can freshen up the facade of your home. And choosing the right color is particularly important; if you want the house to really stand out, choose a contrasting color that really pops.

-Add items to the outside of your home. If you do not have shutters or window trim, or a modern front door, consider adding them to increase the value and esthetic appeal of your house. This will make your house look more finished and well designed.

Remember, a little goes a long way.

LET’S TALK REAL ESTATE :    REAL ESTATE CYBERTIPS

Loudoun County and Northern Virginia Real Estate Sales and Solutions – Helena Talbot, Broker. 

I specialize in helping buyers and sellers invest in real estate in the Northern Virginia area to include Loudoun County and surrounding areas including Clarke, Fauquier, Prince William and Fairfax Counties.  Some of our local neighborhoods include Leesburg, Ashburn, Sterling, Potomac Falls, Brambleton, Broadlands, Lansdowne, River Creek, Belmont Country Club, Beacon Hill, Shenstone, Waterford, Lovettsville, Lucketts, Purcellville, Hamilton, Round Hill and Bluemont

 CHECK THIS LINK!

What Is The MLS And How Does It Help Lead To A Fast Sale

Everyone knows how to advertise, right? Take some pictures of your home, call some newspapers, pull out the credit card and you’ll be in next week’s paper; piece of cake.

Hundreds will see your home but there stands one inherent problem to this scenario’s hardly anyone actually buys the home advertised in the ad. When it comes to buying a home people rely on their real estate agents to show them multiple homes. This is what makes the multiple listing service (MLS) so invaluable.

The MLS is a large comprehensive database of home listings, shared among real estate professionals. This online database contains all the specifics about a home, from the address, age, square footage, and number of bedrooms, baths, upgrades and schools districts to types of financing the seller will consider, and more.

Houses listed in MLS have higher visibility and exposure than homes advertised in the daily newspaper or internet. The MLS also offers the benefit of detailed information with pictures. Real estate agents find out what homebuyers are looking for and query the MLS to get a list of homes the prospective buyer should visit.

Multiple Listing Services also has the added benefit of third party syndication. This syndication is when the MLS sends member listings to a third-party website to increase exposure to potential homebuyers.

Homebuyers and sellers who view listings on the syndicated site are provided with links to the listing agent or MLS site for additional information. This is a huge benefit because the home seller is receiving added exposure, free advertisements to millions of potential homebuyers that would not be cost effective with print-only marketing.

Why Flat Fee MLS sells short of what you really want

Many brokers with access to MLS sell their services for a flat fee but in the end, the home seller will not fully benefit from the MLS features. You see, when you are not represented by an agent or broker your MLS listing will direct prospective buyers to contact the seller directly. This is a red flag which is usually snubbed by other agents. In a nutshell, when you are represented by an agent it means all the groundwork has been done and the home is usually priced well in comparison of surrounding homes. Agents know all of the work that must be completed before a listing. So that red flag could mean doing business with a novice, un-yielding and tough to deal with. Agents shy away from this type of business and prefer dealing with agents.

So although a flat fee MLS listing might seem like a doable bargain, it’s probably a waste of time.

The primary benefit of MLS is that it provides a great platform for maximum exposure of homes that are marketed by seasoned professionals.

LET’S TALK REAL ESTATE :    REAL ESTATE CYBERTIPS

Loudoun County and Northern Virginia Real Estate Sales and Solutions – Helena Talbot, Broker. 

I specialize in helping buyers and sellers invest in real estate in the Northern Virginia area to include Loudoun County and surrounding areas including Clarke, Fauquier, Prince William and Fairfax Counties.  Some of our local neighborhoods include Leesburg, Ashburn, Sterling, Potomac Falls, Brambleton, Broadlands, Lansdowne, River Creek, Belmont Country Club, Beacon Hill, Shenstone, Waterford, Lovettsville, Lucketts, Purcellville, Hamilton, Round Hill and Bluemont

 CHECK THIS LINK!