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Increasing Your Down Payment!

by Desi Sowers

You can save thousands in interest by putting money toward your home.

For prospective home buyers who have annuities, selling those future payments for a lump sum of money now can help them avoid getting locked into a mortgage black hole.

First-time home buyers often save money for years to collect enough for a down payment on their house. Once they have that 5 or 10 percent of the house value in the bank, they settle follow through by agreeing to 15 to 30 years of monthly payments on the mortgage, one that costs a fortune in interest.

What many don’t realize is that increasing a down payment for a $300,000 home by just 5 percent can reduce the mortgage by as much as $30,000. Putting money from an annuity sale toward a down payment offers significant long-term savings on your home – decreasing the amount paid for interest, loan principal and monthly payments.

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Affording a Down Payment for Your Dream House

For most people, the greatest obstacle for getting a new home is the down payment. While mortgage payments might be easily figured in to a budget, putting together enough cash to buy takes time and hard work. Buyers generally pay a minimum of 3.5 percent (for federal housing loans) to 20 percent for down payments. For a $200,000 home, this means coming up with at least $40,000 to bring to closing. As people still recover from the recession, saving $40,000 while still keeping up with regular bills and living expenses seems like an impossible feat.

Unfortunately, paying less than 20 percent has other financial consequences. Lenders can (and almost always do) require you to purchase private mortgage insurance, which increases your monthly expenses and the total you are paying for your home. Additionally, they may restrict you to mortgages with high interest rates or even deny your application.

How Much Are You Actually Paying?

Let’s look at an example. You’ve found the home of your dreams for $300,000 and you’re ready to commit to a 30-year mortgage. If you can afford a down payment of $30,000 (which would be 10 percent of the cost), then you will need a mortgage of $270,000.   What kind of terms can you expect from a lender?   Banks look at a variety of factors to determine your loan eligibility and your credit-worthiness. They collect credit scores, employment history and the size of your down payment to determine your interest rate. According to The Washington Post, in 2014 the average interest rate was 3.99 percent for a fixed-rate loan. With a 10-percent down payment, an applicant with excellent credit would likely be able to qualify for this rate.

With the help of a mortgage calculator, you can find out how much this will cost. In this example, monthly payments are $1,287.47.   Here is a price chart based on a 30-year mortgage for a $300,000 home:

30-year mortgage at an interest rate of 3.99%

Mortgage (Down Payment) Monthly Cost Interest Paid
$285,000 ($15,000) $1,299.37 $182,909

Notice the total interest paid comes to nearly $200,000. For that amount you could buy another house!

The Difference Annuity Cash Can Make

Using money from your annuity to bulk up your down payment can be a game-changer. The larger down payment reduces the necessary principal for the loan and decreases the home loan to value ratio. Because of this, a bank may qualify you for a lower interest rate.   For these examples, we used an interest rate of 3.625 percent. This chart shows how every increase in the down payment significantly decreases the total interest paid.

30-year mortgage at an interest rate of 3.625%

Mortgage (Down Payment) Monthly Cost Interest Paid
$285,000 ($15,000) $1,299.37 $182,909
$270,000 ($30,000) $1,231.34 $173,282
$255,000 ($45,000) $1,162.93 $163,655
$240,000 ($60,000) $1,094.52 $154,028

Now, if you are an annuity owner and you pull out $15,000 from selling annuity payments, you can increase your down payment by 5 percent, making a down payment of 15 percent. This reduces the mortgage total and the total interest is now $163,655.10. If we compare the interest on both mortgages, the difference between the old and new mortgages is nearly $30,000 — $193,487.47 – $163,655.10 = $29,832.37.   If you double your down payment to 20 percent, and kept the same interest rate, your savings will be closer to $40,000 — $193,487.47 – $154,028.32 = $39,459.15.

Eliminating the Waiting Period

Bottom line: If you own an annuity or structured settlement and want to own a home, don’t go through another decade of saving or sit around until the date your annuity payments are scheduled. And avoid the mistake of making a small down payment. By paying more up front, you reduce the home loan-to-value (LTV) ratio, which increases your eligibility for a mortgage and the likelihood of receiving approval for a better interest rate.

By selling annuity payments – using a resource that is already at your disposal – and putting the money toward your home, you can save tens of thousands in interest. Let your neighbor be the one with the 10-percent down payment, while you pay 20 percent and spend the next 30 years with $200 more in your pocket every month.

Courtesy of Alanna Ritchie Learn more about Annuities 

7 Design Trends for 2015 Quartz, Stainless and Fire Pits....Oh My!

by Desi Sowers

7 Design Trends for 2015

If you have a small budget to spend on home improvement projects this year, you’ll want to make sure you use it wisely, especially if you plan to put your home on the market soon.  Redfin agents always recommend that you stay on top of basic home maintenance, but beyond that, it can be difficult to determine which features to add or update in your home. You don’t want to spend money on something that’s going to go out of style anytime soon. So where do you start?

One way to tell if a certain feature is desirable is by looking at real estate listings online. Real estate agents have a limited number of words they can use to describe a home for sale on the multiple listing service, so every word counts. Looking at what they choose to include, and what they don’t, can give you an idea of what they see as a selling feature of a home.

To find out what buyers will be looking for in 2015, we asked Redfin real estate agents which features they were starting to see more often while out on home tours. Then we looked for those keywords in real estate listings on Redfin.com to see which ones have grown in popularity over the past five years. Read on to see which home features made the cut.

1. Quartz Countertops: The New Kid on the Block

Quartz Countertops Chart

For years, granite countertops were a must-have feature in any modern kitchen. But in 2014 we started to see quartz popping up all over the place. While granite still appears in more real estate listings overall, it’s only a matter of time before we see quartz take over.

Jordan Clarke, a Redfin real estate agent in San Diego, explains: “Granite countertops have become outdated in kitchens; the new standard is quartz or other unique materials like sandstone. Quartz comes with a few benefits over granite; it is not as porous and therefore requires less maintenance, it is less prone to staining and it is better able to withstand abuses during its lifetime. Homebuyers are wowed when they see it!”

2. Smart Home: Smart Choice

Smart Home ChartSmart home features are still only mentioned in a small fraction of real estate listings, but we’ve seen a meteoric rise when you look at how often they’re mentioned over the past five years.

“Smart home systems that control security alarms, heating and cooling, lighting and more are starting to become more popular in homes,” said Tara Waggoner, a Redfin real estate agent in Houston. “But a word of warning; it’s best to choose a system with software that can be updated as new features come out. Otherwise, the system will be out of date within a few years.”

3. Stainless Steel Appliances: A Safe Bet

Stainless Steel ChartThe data shows that mentions of stainless steel appliances have increased every year since 2011. “White appliances used to reign supreme, but stainless steel has definitely taken over in the last five years,” said Robyn Jackson, a Redfin real estate agent in Palm Beach, California. “While new appliance finishes like slate are starting to gain traction, stainless steel is still the gold standard for kitchens these days.”

4. Fire Pits: Heating Up Since 2012

Fire Pit ChartFire pits soared in popularity from 2012 to 2013, and remained a popular feature in listings in 2014.

“One quick way to warm up after a dip in the pool is to curl up next to a fire, and now that fire is just steps away,” said Roseann Cossman, a Redfin real estate agent in Phoenix. “I’m seeing a lot of fire pits and gas fireplaces being placed right next to the pool.”

 

5. Tasting Rooms: A Smart Addition to a Wine Cellar

Tasting Room ChartIn luxury homes, it used to be that a wine cellar was sufficient. Now, those cellars come with a tasting room that has a dining table and chairs. We’ve seen the word “tasting” appear more often in listings every year since 2011, when these rooms rose from obscurity to being on the map. “Wine cellars are no longer a cold dark place in the basement,” said Paul Stone, a Redfin real estate agent in Denver. “Now, homeowners are making them into comfortable living areas, where they can host tastings with friends.”

6. Outdoor Kitchen: Elevating the Backyard Cookout

Outdoor Kitchen ChartPerhaps it’s the HGTV effect, but outdoor kitchens have gained popularity every year since 2011, though we saw a small drop in 2014. “Backyards are becoming places to lounge during the summer, with full kitchens, fireplaces and televisions,” Stone said. “Having a place to host friends for a barbecue has become important for many high-end buyers.”

 

7. Freestanding Tub: A Luxury Bathroom Must-Have

Freestanding Tub ChartHaving a combined shower and tub is an excellent space saver. But if you have a large enough bathroom, you might want to consider adding a freestanding bathtub. We’ve seen the use of “freestanding tub” rise every year since 2011. “Since most people take more showers than baths, they want to have a stand-alone shower with multiple showerheads,” said Charlie Baker, a Redfin real estate agent in San Diego. “But when they want to relax, they want a freestanding tub, which is starting to become the norm in newly constructed high-end homes.”

What About Exposed Brick? That’s Soooo 2013

Exposed Brick ChartAs reported in Bloomberg, many building managers in Boston, Chicago or Washington D.C. will use exposed brick as a selling point. Mentions of exposed brick in listings skyrocketed in 2013, but slowed down in 2014. It is still very popular in downtown urban lofts and condos, but has decreased in popularity in other types of homes. “Stylistically, I think the cool factor ship has sailed on exposed brick. Unless you are in a loft or a midcentury modern home, it can be out of place. Often, in Chicago at least, the brick gets cold and mortar often falls out and creates a lot of dust and debris,” said Nate Brecht, a Redfin real estate agent in Chicago.

Written by Christin Camacho

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Bring the farmer and the horse lover out to this pastoral setting. A 65 acre farm with everything you could want in a residential, agricultural or recreational property. Including multiple outbuildings, a horse barn with four stalls, hay lofts and tack room, fenced pastures, a spring fed pond and a mini orchard. Let yourself get swept away in the long range mountain views adorning this farm land with an expansive brick Cape Cod. Entertain in the inviting formal rooms where beautiful picture window views are sure to sway your guests to relax.  A southern style family room is ideal for kicking back and submerging yourself in the panoramic views. Featuring a wet bar, stone fireplace, exposed beams and easy access to a fabulous brick patio this is an entertainers delight. With miles of granite counter tops, an abundance of oak cabinets and a huge center island this designer kitchen allows for cooking and serving all in one expansive space. The main level master suite offers multiple closets, private bath and a separate dressing area that is sure to impress. An upper level guest suite plus two additional spacious bedrooms make the upstairs a perfect place to rest at days end. A fabulous covered patio is a place one could happily linger throughout the day while enjoying gorgeous mountain views. Bring the whole family out to see this 65 acre paradise. We are sure they will want to stay. Additional Details!

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. This Christiansburg VA  home is just steps to  shopping, nightlife, VA Tech and recreational activities.

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.

2015 A Year of Housing Opportunity

by Desi Sowers

As the economy continues to improve, more and more Americans will qualify for homeownership, allowing more families to obtain the American Dream.

2015: A Year of Housing Opportunity | Simplifying The Market

Many believed that when the housing market crashed, so too would the desire of American’s to own a home again. Many reports have shown that, especially among younger generations, the American Dream of homeownership is still very much alive.

Julián Castro, Secretary for HUD, recently summed up what it means to own a home in a speech at the National Press Club.

"Homeownership is still the cornerstone of the American Dream — a fact you can see in the lives of everyday folks.

It’s a source of pride. It’s a source of wealth, providing both a nest and a nest egg. And it strengthens communities and fuels growth in the overall economy."

Castro appropriately named his speech, “2015: A Year of Housing Opportunity”, a theme that rang true throughout.

“Opportunity is not an abstract concept - it's a path to a more prosperous life, and housing often serves as its foundation. T.S. Elliot once said that "home is where one starts from."

“A home is often a primary source of wealth in a family… Having a home is generational way to pass that wealth on. We want people responsible enough to own a home to have that opportunity.”

Bottom Line

“Over the years-through decades of economic downturns and wars-the American people have always held on to this Dream, and always will.”

As the economy continues to improve, more and more Americans will qualify for homeownership, allowing more families to obtain the American Dream.

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I could try for days to describe this down to studs remodel but you really do need to see it to fully appreciate the superior craftsmanship fused with modern amenities. Perched over Radford University this brick Tudor home at 700 Tyler Avenue offers panoramic campus and new river valley mountain views.  No expense spared remarkable features include decorative interior window moldings, upgraded crown moldings,  granite, tile, recessed lighting, trendy light fixtures, refinished hardwood floors, built in seating and cabinets. Quality upgrades include a new roof, HVAC, plumbing, updated electrical, maintenance free trim and siding plus a freshly painted neutral palette add comfort to your investment. An inviting covered porch sets this scene for a bright living room with masonry fireplace and triple window tree lined views. A gourmet kitchen that is sure to whet your appetite includes lustrous granite, stunning oak cabinetry, cast iron sink, innovative stainless appliances plus a dining area with built- in window seating. A soothing main master suite with barreled ceiling window seating and a luxury tiled bath are sure to please. The additional bedrooms are generously size with an abundance of natural lighting either of these would also make a great home office.  This Radford VA home shows like a magazine layout make your appointment today!

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. This Radford VA home overlooks Radford University and is just steps to shopping, nightlife and recreational activities.

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.




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Welcome home to 4754 Shelburne Road in the desirable Walker Farms subdivision of Snowville. Relax on the fully covered porch and enjoy the fresh mountain air while the mountain views sweep you away.  Nestled on three acres this beautifully maintained Cape Cod offers comfortable everyday living. Illuminated by tons of natural lighting this open floorplan with hardwood flooring includes a spacious living area with a warm gas fireplace,  a fabulous kitchen and dining area. Cooking will be a sheer delight in this designer kitchen with gorgeous oak cabinets, granite counters, decorative tile black splash, stainless refrigerator, a smooth top range, and a serving island. Enjoy the view while dining in the eat-in kitchen with French door access to the outdoors. Retreat to the main level master suite where a soothing bedroom and pampering bathroom are sure to impress. An upper level bonus room plus two bedrooms and full bath offer a cheerful place to rest, play and entertain. Bring your furry friends as this property is zoned agricultural. Easy I-81 access to Radford and just 2 miles to the Little River Boat launch make this the ideal place to live, work and play!

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. This Radford VA  home is just steps to  shopping, nightlife, VA Tech and recreational activities.

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.

The Best Seasons to Sell a Home

by Desi Sowers



Spring is traditionally considered the best season to list a home, but it doesn’t inch out the other seasons by much, according to a new analysis by the real estate brokerage Redfin.

Redfin’s research team analyzed 7 million homes listed from 2010 through 2014 to gauge how important the season is in listing a home. It examined how many of the homes went under contract within 30 days and how often they sold for more than their list price.

Here’s how the seasons stacked up:

  • 39% of the homes listed in the spring (between March 21 and June 20) in the past five years went under contract within 30 days, and 15 percent sold for more than the list price.
  • 38% of homes listed in the winter (Dec. 21 – March 20) sold within 30 days and 14 percent sold for more than the list price.
  • 36% of homes listed in the summer (June 21 – Sept. 20) were under contract within 30 days and 12 percent sold above the list price.
  • 34% of homes listed in the fall (Sept. 21 – Dec. 20) went under contract within 30 days and 11 percent sold at a premium.

“Just as buyer demand follows a seasonal pattern, so do home prices,” says Nela Richardson, Redfin’s chief economist. “Over the past five years prices have increased by an average of 3 percent month over month in the spring and ticked down by about 1 percent each month during the fall. To get the best of both worlds, sellers need be informed on both local buyer demand and recent sale prices in their neighborhoods before deciding when to list their homes and for what price.”

Regardless, the report noted that there doesn’t appear to be a huge advantage or disadvantage to listing in any season, since the variance in prices is only by a few percentage points.

Also, the best season to sell can vary greatly by market. For example, in Los Angeles, Orange County, San Diego, and San Francisco, spring and winter were tied for the best home-selling performance. In Sacramento, Calif., winter beat out spring with 10 percent of listings in the winter under contract within 30 days compared to 8 percent in the spring months. On the other hand, in Seattle, 18 percent of the listings were under contract within 30 days in the spring, compared to 16 percent in the winter and 14 percent in the summer and fall months.

See the chart below for market-by-market home-selling performance data for homes listed from 2010 through 2015.

Source: “Should I Wait Until Spring to List My Home? Not Necessarily,” Redfin Research Center (Feb. 5, 2015)

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Welcome home to 104 Duncan Lane in vibrant Radford VA just minutes to Virginia Tech and Radford University. Located in the heart of New River valley VA where you will find an abundance of outdoor recreation and beautiful scenery this ranch home is the perfect starter home. A bright open floorplan includes hardwood floors, ceramic tile, crown moldings, ceiling fans and picture window views.  The spacious kitchen offers red oak cabinetry, center island,smooth top range, a pantry and room to dine. The roomy master suite with walk in closet, private bath with double vanity and garden tub is sure to impress. A paved driveway offers ample parking and the 50 year shingle roof adds comfort to your investment. Enjoy relaxing on the covered porch or chilling on the deck overlooking mature trees. Make you appointment today to see this fabulous value.

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. This Radford VA  home is just steps to  shopping, nightlife, VA Tech and recreational activities.

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.

 

12 Simple Home Repairs to Lift You Out of Winter’s Funk

by Desi Sowers

home-repair-jobs-winter-talc-squeaky-floor_9d6d88a9d3591085405678a30f441441_3x2_jpg_600x400_q85Accomplishments — even little ones — go a long way toward a sunny outlook. Fortunately, there are plenty of easy, quick home repair chores you can do when you’re mired in the thick of winter. For max efficiency, make a to-do list ahead of time and shop for all the tools and supplies in one trip. On your work days, put the basics in a caddy and carry it from room to room, checking off completed tasks as you speed through them.

What to Look (and Listen) For
In each room, look around and take stock of what needs fixing or improving. Focus on small, quick-hit changes, not major redos. Here are some likely suspects:

1.  Sagging towel rack or wobbly toilet tissue holder. Unscrew the fixture and look for the culprit. It’s probably a wimpy, push-in type plastic drywall anchor. Pull that out (or just poke it through the wall) and replace it with something more substantial. Toggle bolts are strongest, and threaded types such as E-Z Ancor are easy to install.

2.  Squeaky door hinges. Eliminate squeaks by squirting a puff of powdered graphite ($2.50 for a 3-gram tube) alongside the pin where the hinge turns. If the door sticks, plane off a bit of the wood, then touch up the paint so the surgery isn’t noticeable.

3.  Creaky floor boards. They’ll shush if you fasten them down better. Anti-squeak repair kits, such as Squeeeeek No More ($23), feature specially designed screws that are easy to conceal. A low-cost alternative: Dust a little talcum powder into the seam where floorboards meet — the talcum acts as a lubricant to quiet boards that rub against each other.

4.  Rusty shutoff valves. Check under sinks and behind toilets for the shutoff valves on your water supply lines. These little-used valves may slowly rust in place over time, and might not work when you need them most. Keep them operating by putting a little machine oil or WD-40 on the handle shafts. Twist the handles back and forth to work the oil into the threads. If they won’t budge, give the oil a couple of hours to penetrate, and try again.

5.  Blistered paint on shower ceilings. This area gets a lot of heat and moisture that stresses paint finishes. Scrape off old paint and recoat, using a high-quality exterior-grade paint. Also, be sure everyone uses the bathroom vent when showering to help get rid of excess moisture.

6.  Loose handles or hinges on furniture, cabinets, and doors. You can probably fix these with a few quick turns of a screwdriver. But if a screw just spins in place, try making the hole fit the screw better by stuffing in a toothpick coated with glue, or switching to a larger screw.

Safety Items
You know those routine safety checks you keep meaning to do but never have the time? Now’s the time.

7.  Carbon monoxide and smoke detectors. If you don’t like waking up to the annoying chirp of smoke detector batteries as they wear down, do what many fire departments recommend and simply replace all of them at the same time once a year.

8.  Ground-fault circuit interrupter (GFCI) outlets. You’re supposed to test them once a month, but who does? Now’s a great time. You’ll find them around potentially wet areas — building codes specify GFCI outlets in bathrooms, kitchens, and for outdoor receptacles. Make sure the device trips and resets correctly. If you find a faulty outlet, replace it or get an electrician to do it for $75 to $100.

Another good project is to replace your GFCIs with the latest generation of protected outlets that test themselves, such as Levitron’s SmartlockPro Self-Test GFCI ($28). You won’t have to manually test ever again!

9.  Exhaust filter for the kitchen stove. By washing it to remove grease, you’ll increase the efficiency of your exhaust vent; plus, if a kitchen stovetop fire breaks out, this will help keep the flames from spreading.

10.  Clothes dryer vent. Pull the dryer out from the wall, disconnect the vent pipe, and vacuum lint out of the pipe and the place where it connects to the machine. Also, wipe lint off your exterior dryer vent so the flap opens and closes easily. (You’ll need to go outside for that, but it’s quick.) Remember that vents clogged with old dryer lint are a leading cause of house fires.

11.  Drain hoses. Inspect your clothes washer, dishwasher, and icemaker. If you see any cracks or drips, replace the hose so you don’t come home to a flood one day.

12.  Electrical cords. Replace any that are brittle, cracked, or have damaged plugs. If you’re using extension cords, see if you can eliminate them — for example, by replacing that too-short lamp cord with one that’s longer. If you don’t feel up to rewiring the lamp yourself, drop it off at a repair shop as you head out to shop for your repair materials. It might not be ready by the end of the day. But, hey, one half-done repair that you can’t check off is no big deal, right?

AUTHOR 
Jeanne Huber is the author of 10 books about home improvement. She writes a weekly column about home care for the Washington Post.

Visit HouseLogic.com for more articles like this. Reprinted from HouseLogic.com with permission of the NATIONAL ASSOCIATION OF REALTORS®

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Picture perfect brick ranch home in the Rolling Hills subdivision of Dublin VA. Imagine owning this well maintained ideal starter home with partially finished basement that includes an inviting family room spacious enough for all to toast their toes by the gas log fireplace. Picture yourself kicking back and relishing in picture window views from the alluring living room. This modernized kitchen is a real gem! Boasting radiant granite counters, stainless smooth top range, dishwasher, refrigerator and an abundance of cabinets plus a storage pantry you are sure to be pleased. Family and friends will enjoy perching at the breakfast bar or gathering in the sunny dining area. Three lovely bedrooms with hardwood floors and cheerful décor plus an updated bath are just perfect. Enjoy backyard fun rain or shine under the covered patio porch area where kids can play and you can entertain! Make your appointment quickly before 5649 Valley View Drive is sold!

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. This Dublin VA  home is just steps to  shopping, nightlife, VA Tech and recreational activities.

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.

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