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When you purchase a home, you are not only choosing where to live, you are making a financial investment as well. Home Equity  is the percentage of your home value that you own and with each mortgage payment you make you are contributing to your own financial savings.  The goal is to build up as much equity as you can so that when you sell your home, you will make a nice profit!  Here are some tips for building home equity:

- Take Out a 15-Year Mortgage Loan - It’s common for people to choose a 30-year mortgage because many believe a 15-year mortgage is out of their budget.  However, it can’t hurt to ask your mortgage lender to run the numbers to see if a 15-year mortgage is doable for you.  You might be surprised to discover that the shorter term is within reach.  Sticking to a Budget that allows you to pay off your house in half the time will build equity faster and will certainly pay off in the long run!

- Pay Down the Principal - Build equity faster by paying down your home loan quicker.  Even if you don’t have the ability to take out a 15-year mortgage, you can still make extra mortgage payments when you have the means to do so and the difference extra mortgage payments can make toward building equity are huge. If you make just one extra payment toward  Principal each year, you can potentially pay off your home loan seven or eight years ahead of schedule.  There are ways to do this without breaking your budget.  For example, you can use a tax refund or a work bonus.  Another way to do it is to simply add a small amount to your principal payment each month.

- Make a Larger Down Payment - Depending on your credit standing, you can qualify for a conventional mortgage loan with a down payment as low as 3%, and an FHA loan with a down payment as low as 3.5%.  While it’s tempting to buy a house with a low down payment so that you have more cash on hand, the pros of making a larger down payment may outweigh the cons. The larger the down payment, the faster you build equity.  The faster you build equity, the more profit you will make should you have to sell your home before paying it off.

- Make Improvements on Your Home - Making Home Improvements is a good way to add value to your property.  It’s important to educate yourself about what home improvements give you the best ROI (return on investment).  For example, per Chris Terrill, CEO of HomeAdvisor, “a minor kitchen remodel is one of the best investments homeowners can make.”  “Projects including refinishing cabinets, updating the countertops and installing new appliances all provide high return without breaking the bank.”  Other home improvements that add value to your property include replacing garage doors, adding a bedroom, updating a bathroom and installing new windows. And don’t underestimate the value of curb appeal!  A professionally landscaped yard will not only help with a quick sale; it can also add up to 20% to your home’s value!

Owning a home is likely the largest financial investment you will make, and the more equity you acquire, the more options you will have.  You can utilize your equity as a nest egg for the future or it can be used as a cash down payment on your next home.  Use these tips to build equity faster so you can build up your savings and enjoy this wonderful perk of home ownership!

If you’re thinking about selling or buying a home in the New River Valley area, contact professional, experienced Realtor Desi Sowers and let her assist you with all your real estate needs. Give her a call today at 540-320-1328!

The Heartland Marimba Festival is coming to Blacksburg July 11-15 with free concerts for the public. They will be performing July 14th, at 5:00 PM in Burrus Auditorium on the Virginia Tech campus, this performance will feature the Marimba Orchestra.  Tickets are not required for the Blacksburg performance. 

The festival seeks to reach a range of audiences to help support and advance the classical marimba art form, its music, its composers, and its performers. The first Heartland Marimba Festival and Workshop took place in 2014 at Iowa State University, organized by founder and executive director Matthew Coley.

Information provided by Virginia Tech

New River Valley VA Real Estate For Sale
385 Colin Reid Pass, Christiansburg, VA  24073

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Dreaming of a new home? Be the first to live in this new construction home in Senneca Springs. Glorian model is sure to impress with an open floor plan, high ceilings, hardwood floors, pocket doors, extra storage, low maintenance brick/vinyl siding and attached 2 car garage. Beautiful living room with vaulted ceilings flows effortlessly into the dining area – entertainers dream layout! Well-appointed kitchen is a chefs delight with SS appliances, granite counters, and an oversized island. Soothing master & pampering bath include a custom tiled shower and soaking tub. Two generously sized bedrooms and a full bath are perfect for a growing family or guests. The HOA features lawn maintenance, snow removal and common area maintenance. Only minutes from Blacksburg with the charm of country living and a small-town feel, yet just minutes to VT, hospitals, shopping and Huckleberry Trail.

You don’t have to just visit; you can live here and enjoy Virginia’s growing economy and vacation-like lifestyle! With easy access to I-81 you can appreciate a prime example of why New River Valley VA is such a desired place to live and play.

Desi Sowers has distinguished herself as a leader in the New River Valley real estate market. Desi assists buyers looking for New River Valley real estate for sale and aggressively markets New River Valley homes for sale.

Desi brings with her a keen eye for the details of buying or selling a New River Valley home and seemingly boundless determination and energy, which is why her clients benefit from her unique brand of real estate service. Rooted in Tradition, Focused on the Future – Desi Sowers will help make the most of your New River Valley real estate experience. Give her a call today, 540-320-1328, and discover the difference she can make during your family's move.

Preserving Family Heirlooms 101

by Desi Sowers

Family heirlooms are treasures that evoke memories of the past and hold great sentimental value.  Keeping them safe and well preserved is important. There are many kinds of keepsakes. What may seem not very special to one person, might be the most cherished of items to another.  The following tips will help you preserve them and keep the memories alive:

Paper Documents

Don’t make the mistake of keeping precious papers in a box somewhere. Paper is vulnerable to crumbling and fading if it is exposed to too much light, heat or moisture.  You can keep documents safe by placing them in acid-free envelopes or folders.  When you want to look at them, make sure your hands are clean and dry. Avoid using lotion on your hands if you know you are going to be handling paper heirlooms.  Three ring binders are excellent for keeping documents organized and safe.  Keep them in temperature controlled parts of the house to avoid deterioration due to heat and moisture.

Books

Like paper documents, books need to be kept away from heat, bright light and anything highly acidic.  If you want to keep a book pristine, interleaf the pages with acid-free tissue paper.  If you keep favorite books on a shelf, make sure it is not exposed to too much sunlight.  They will fade over time, but keeping them out of harsh conditions will make them last longer.

Photographs

Many people have photographs stored in old-school albums where they are stuck on the pages by adhesive. Unfortunately, many of these old albums are not acid-free and will cause the photographs to deteriorate and fade over time. To preserve them, remove them from these albums and place them in PVC-free plastic sleeves, which can then be placed in binders.  If you are lucky enough to still have the negatives from old photos, keep them safe so that you can replace pictures if they are destroyed or lost. How to Properly Store Your Negatives

Textiles

When preserving textiles such as quilts, wedding dresses, baptismal gowns or antique linens, you want to make space for flat storage.  It’s vital that you keep them in an acid-free box and in a location free of pests.  If you get them cleaned and pressed, make sure starch isn’t used because bugs will attract bugs. Make sure your hands are clean and free of lotion when handling your cloth heirlooms.  Do your research and get professional advice on how to clean them before storing. The Golden Rules of Washing Vintage Items

Regardless of what kind of treasure you are attempting to preserve, it is advisable that you never store them in the attic or basement. Extreme temperatures and humidity will harm stored artifacts.  Keep your boxes and binders of family heirlooms in a closet or on a shelf in your temperature controlled living space.  Make sure they are out of direct sunlight.  Not only will this keep them safer and preserve them longer, but it will also make it easier for you to get them out to look at when you want to take a trip down memory lane!

If you’re thinking about selling or buying a home in the New River Valley area, contact professional, experienced Realtor Desi Sowers and let her assist you with all your real estate needs. Give her a call today at 540-320-1328!

Photo Credit: jewelrywise.com

New River Valley VA Real Estate For Sale
130 Gavins Court NW, Christiansburg, VA  24073

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Welcome to Senneca Springs in Christiansburg VA where homes match the taste and lifestyle of anyone who loves low maintenance living. The Rendition Grande model offers main level living, Timberlake cabinets, a brick/vinyl façade with stucco accents, hardwood flooring, vaulted ceilings, arched doorways, granite counters, tiled backsplash, stainless appliances, recessed lighting and two car garage. Gorgeous open floor plan offers comfort and quality to meet today’s busy lifestyle with a living, kitchen and dining room combination plus a large sunroom. The HOA features lawn maintenance, snow removal and common area maintenance. Only minutes from Blacksburg with the charm of country living and a small-town feel, yet just minutes to VT, hospitals, shopping and Huckleberry Trail. Come see this new home!

You don’t have to just visit; you can live here and enjoy Virginia’s growing economy and vacation-like lifestyle! With easy access to I-81 you can appreciate a prime example of why New River Valley VA is such a desired place to live and play.

Desi Sowers has distinguished herself as a leader in the New River Valley real estate market. Desi assists buyers looking for New River Valley real estate for sale and aggressively markets New River Valley homes for sale.

Desi brings with her a keen eye for the details of buying or selling a New River Valley home and seemingly boundless determination and energy, which is why her clients benefit from her unique brand of real estate service. Rooted in Tradition, Focused on the Future – Desi Sowers will help make the most of your New River Valley real estate experience. Give her a call today, 540-320-1328, and discover the difference she can make during your family's move.

Draper Mercantile and Trading Company presents a Community Flea Market on Saturday, July 7, 2018 9:00am-2:00pm, at Merc Farms.

Enjoy a Community Flea Market featuring vendors, food, artists, live music and more! Vendors include honey & goat lotions, local produce, handcrafted jewelry, street dogs & breakfast burritos, fresh made doughnuts, fresh popped kettle corn and many more.

There will also be a fire truck on hand for kids and a planting class in the greenhouse.

Merc Farms is located near the Draper Mercantile at 2980 Brown Road in Draper, VA.

Information and photo from Draper Mercantile

New River Valley VA Real Estate For Sale
60 Gavins Court, Christiansburg VA 24073

 

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Welcome to Senneca Springs in Christiansburg VA where homes match the taste & lifestyle of anyone who loves low maintenance living.  The Deerfield model offers a main level Master Bedroom Suite and two upper level bedrooms.  Quality features include easy care flooring, tiled wet areas, vaulted ceilings, multi-panel doors and extra storage. The kitchen is sure to whet your appetite with an abundance of cabinet and granite counter space, plus Whirlpool SS appliances. The HOA features lawn maintenance, snow removal and common area maintenance. Only minutes from Blacksburg with the charm of country living and a small-town feel, yet just minutes to VT, hospitals, shopping and Huckleberry Trail.

You don’t have to just visit; you can live here and enjoy Virginia’s growing economy and vacation-like lifestyle! With easy access to I-81 you can appreciate a prime example of why New River Valley VA is such a desired place to live and play.

Desi Sowers has distinguished herself as a leader in the New River Valley real estate market. Desi assists buyers looking for New River Valley real estate for sale and aggressively markets New River Valley homes for sale.

Desi brings with her a keen eye for the details of buying or selling a New River Valley home and seemingly boundless determination and energy, which is why her clients benefit from her unique brand of real estate service. Rooted in Tradition, Focused on the Future – Desi Sowers will help make the most of your New River Valley real estate experience. Give her a call today, 540-320-1328, and discover the difference she can make during your family's move.

Celebrate Independence!

by Desi Sowers

Unless you plan to stay in a home for the rest of your life, resale value should be a major consideration when purchasing a house. Home-ownership is a huge financial investment and the goal should be to get as much monetary return as possible when you sell.  While you can’t always predict what the future holds for the real estate market, there are some basic guidelines for what kind of properties have good resale value.  Don’t make the error of focusing only on what you want when doing your home search.  Think about the following factors that will affect the resale value:

  1. LOCATION - This should be a primary consideration when looking for a home that will provide a good return on your investment.  A desirable location is likely to remain a hot market for home sales.  Think about the school district you will be in.  Even if you don’t have children in school, a top district will draw many buyers.  Different people will be looking for different things, but most buyers will want basically the same things from the location of their home.  Home Buying: Location Matters
  2. NUMBER OF BEDROOMS - A house with more than two bedrooms will sell faster and for a better price than one with only one or two bedrooms.  Even a couple with no children will want extra space for an office or guestroom (or both).
  3. NUMBER OF BATHROOMS - Buyers will expect to pay much less for a home with only one bathroom.  If people are choosing between a house with one bathroom and one with two, they will almost always be willing to spend a little extra to get that additional restroom.
  4. GATHERING SPACE - Buyers want a large, informal space for relaxing and entertaining family and friends.  You will get more value out of a spacious family room than you will out of a formal living room.  Large Family Room Ideas
  5. STORAGE - These days people have a lot of “stuff” and they need places to put it all.  Storage space, including closets, a pantry and loads of cabinets will improve the odds of getting high bids for your house. 
  6. GARAGE - People who live in suburban areas need places to park their cars.  A covered parking place or two is ideal.
  7. OPEN FLOORPAN - Buyers are looking for homes with open spaces and rooms that flow from one to the next.  A house with an Open Floorplan will improve your chances for a profitable resale.
  8. OVERALL CONDITION - A property that is well-cared for, updated and remodeled will greatly enhance resale value.  Focus on rooms that matter most to buyers - kitchens and bathrooms. Make sure everything is in good working order.  Some people might be looking for a fixer upper, but many buyers are willing to pay a premium for a move-in ready home.

If you’re thinking about selling or buying a home in the New River Valley area, contact professional, experienced Realtor Desi Sowers and let her assist you with all of your real estate needs. Give her a call today at 540-320-1328!

Come out to the Motor Mile Speedway, Saturday, June 30 from 4:00pm-10:30pm, for the 2018 Monster Truck Show. 

Event Schedule:

(subject to change)

• 4:00 pm: Gates open

• 4:00-6:45 pm: Free Monster Truck Rides

• 5:00-6:30 pm: Free Pit Party

• 7:00 pm: Show starts

The Monsters are coming and bigger and better outside! This year's Monster Truck Show features Bigfoot, Avenger, Brutus, Hurricane Force, Bad Company and Storm Damage! And, there will be two ride trucks providing free Monster Truck rides!

Arrive early for the free Pre-Show Pit Party! And, enjoy the fireworks after the show.  The event is rain or shine.

Photo and information provided by the Motor Mile Speedway

Displaying blog entries 1-10 of 864

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