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For Sale: $284,000

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Mortgage 101: Tips for First Time Home Buyers



Deciding to buy a home is exciting. But it can also be overwhelming, especially for first-time home-buyers.  There is so much to think about. Before you start your home search, you should find a mortgage lender who can help walk you through the home-buying process.  Follow these mortgage tips and you will be prepared to purchase the home of your dreams!

  1. FIND THE BEST LENDER

With a little homework, you will be able to find the best lender to help walk you through the home-buying process.Get recommendations from friends and family or from your Realtor. Interview lenders. Find out what their closing time averages are and look up customer satisfaction rates.This is likely the largest financial investment you will ever make, so be sure that the lender you choose is right for you both personally and financially. Best Mortgage Lenders 2018

  1. DETERMINE HOW MUCH YOU WANT TO SPEND ON A HOME

There is a difference between what you can afford and what you are willing to spend.Many factors play into this decision.Your lifestyle, the size of home you’re looking for, and other expenses should all be considered.You might be shocked by what the numbers say. Chances are you won’t want to spend as much as you qualify for.So, work out a budget first and don’t overestimate what you can afford. Can You Afford That House?

  1. GET PRE-APPROVED FOR A MORTGAGE LOAN

The last thing you want to happen is to find the perfect home and not be able to make an offer because you haven’t been pre-approved for a loan. Taking the time to do this now will save you time and grief in the future.

  1. STOP SPENDING

Now is not the time to make large purchases.Avoid taking out new lines of credit.Don’t purchase a new car or apply for a new credit card.Make sure that you are not adding to your credit card balances.Remember that your Debt to Income Ratio is a vital piece of the mortgage puzzle and can be a deal breaker if you go over your limit.Save large purchases for after closing day.

  1. DON’T RUSH!

Now that you’ve got all your ducks in a row, the fun begins.Take your time searching for the right home.This is a financial investment that you will be living with for a long time, so don’t settle. Professional Realtor Desi Sowers can answer any questions you have about purchasing your first home.Give her a call today at (540) 320-1328

Cyber Safety - Keeping Kids Safe on the Internet



With children back in school, technology is going to be part of their everyday lives.  They will be using the internet for things such as research and projects.  Some schools have even moved to using computers and tablets instead of textbooks.  Kids today are very tech-savvy; often even more so than some adults.  Keeping them safe in this digital age is challenging.  As parents, we want to provide everything they need for their education, while at the same time making sure they are using technology safely.  Here are some tips to help:

SET RULES - Limit not only the amount of screen time they can have, but where they have it.  If they are using a computer for homework, have them do it in a room where you can check in with them periodically. You don’t have to hover, but if they know you are present, they are more likely to stay on task.  If they have a smart phone, let them know that they cannot have it out while doing homework.  Make your rules clear and concise so they will know what your expectations are.  Define what the consequences will be if the rules are broken and follow through if that happens. The Importance of Limiting Screen Time

SET PARENTAL CONTROLS - Sometimes Parental Controls on a computer can be a pain because they will block sites that your child might need to access. But by having the controls, that means your child will need you to help them get to the site…which keeps you in the loop. 

EXPLAIN INTERNET SAFETY - You don’t want to scare your children, but it is important they understand what internet safety is and why they need to be careful.  An Internet Safety Talk should include information about protecting privacy, avoiding communication with strangers and cyber-bullying.

There are several kid-friendly websites  that you can introduce to your children that will allow them to have fun online while safely gaining experience with technology. Fun and Free Educational Websites for Kids

As children get older and enter the teen years, it can be more challenging than ever to control what they see on the internet.  That’s why it’s vital that you keep the lines of communication open and keep up with what they are doing online.  Stay in the know about current popular social media apps and technological advances. The more informed you are, the more you can help your children stay safe online.

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: GCFLearnFree.org

New River Valley Real Estate For Sale

New River Valley Real Estate For Sale:

145 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!

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Contact Information

Photo of Desi Sowers,  Associate Broker,  Real Estate
Desi Sowers, Associate Broker,
Certified Residential Specialist at REMAX 8
1344 N. Main Street
Blacksburg VA 24060
Phone: (540) 320-1328

Each Office Independently Owned and Operated