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Military

As certified military relocation specialists, we have the latest know-how to help your and your family find a home in Hampton Roads. Read about our military benefits, upcoming specials, and advice.

Found 41 blog entries about Military.

We always love when great information lands in our inbox, that we can in turn share with our community here on the blog. Thank you so much to Patrick Steele, one of our trusted "mortgage dudes" for sending this one our way! :)

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Mortgage rates technically hit their lowest levels in exactly 2 months yesterday.  Today merely takes them deeper into that territory.  The size of the improvement is less impressive and less meaningful compared to that "lowest in more than 2 months" talking point.   That said, taken in conjunction with the last 4 business days, the average lender is roughly an eighth of a percentage point lower.  That comes out to $7/mo for every $100k financed (or $21/mo on a $300k loan).

On a somewhat frustrating note,

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The VA Loan is a FANTASTIC benefit to having served in the military. Our agents have extensive experience helping our clients navigate the home buying process that include the VA Loan.  Also, the VA Loan is not just of interest to those buying, but also to those selling, as the VA Appraiser (mentioned below) will be a part of the sales transaction. So this is great information for anyone on either side of the transaction.

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For many borrowers, applying for any kind of mortgage may seem daunting. But, when broken down, this rundown of 6 steps to getting a VA loan is easy to understand.

1. Select a VA-approved Lender

On the surface, it might appear that any lender will do. However, if you dig a little deeper, you may discover that

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It is highly likely that the home you currently own (or will buy some day) won't be your forever-home. Families change, from size to dynamics, jobs change from pay to location. Needs change from large yards to extra bedrooms. Thus it is a wise thing to consider... What is important to the NEXT person who buys that home (from you!) may be different from what was important to you (and your family). 

Are you buying a FOREVER home... or a FOR NOW home? Most of us buy a FOR NOW home... which means you DEFINITELY need to put on a seller's cap at some point- why not try it on, now?

Here's a few just to get the thought process started:

1.) You: Schools really aren't that important to us (we don't have kids/aren't planning on having kids/ we plan on home

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We have over 100 years combined living experience in the Hampton Roads area. As such, we thought to poll our agents and see who stayed and went with Hurricane Florence coming in.... and what they did to prepare their homes. Turns out everyone actually stayed in the area, thus their preparation was for hunkering down to weather the storm (if it came this way)!

Here's what some of them had to say:

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We picked up the standard stuff, except I bought some junk food that I normally don’t get. 

  We bought extra gas, fired up the generator to make sure it was good to go, froze a dozen bottles of water to help use as ice to keep things cold if power goes out. I turned the refrigerators & freezers to the coldest settings. 

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Monday and

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So, you've been looking at houses online, hopefully working directly with a professional real estate agent... and otherwise staying off certain national sites that like to take your information, sell it to whatever random agent has bought that particular zipcode and got your business only by spamming your email, phone and text.

But... we digress.

So you've been looking at houses online, and decided that there's ONE IN PARTICULAR THAT WOULD BE PERFECT. 

The pictures!

The price!

The layout (from what you can tell)!

The colors look fantastic...

The yard looks well kept...

The appliances are new or at least recent...

EVERYTHING IS PERFECT.

Right?

So, you arrive there and it hit's you:

Something. Anything. Everything... is a

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Another great one from our people at Keeping Current Matters:

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The results of the latest Rent vs. Buy Report from Trulia show that homeownership remains cheaper than renting, with a traditional 30-year fixed rate mortgage, in 98 of the 100 largest metro areas in the United States.

In the six years that Trulia has conducted this study, this is the first time that it was cheaper to rent than buy in any of the metropolitan areas.

It’s no surprise, however, that those two metros are San Jose and San Francisco, CA, where median home prices have jumped to over $1 million dollars this year. Home values in San Jose have risen 29% in the last year, while rents have remained relatively unchanged.

For the 98 metros where homeownership

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As always, thank you so much to Military News for another great post in regards to our veterans.

This one is a pretty good read, like usual... And this app looks great!

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National Veterans Legal Services Program (NVLSP) today launched the first of its kind app for use by military veterans and their advocates, available for download through the Apple Store, Google Play Store or NVLSP’s website. Named the NVLSP VA Benefit Identifier, the application helps veterans, with or without the assistance of a veteran’s service officer, determine specific VA benefits to which they are likely entitled.

The app directs users to a logic based questionnaire that assists in verifying whether a veteran should file a claim for service-connected

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Agh, did that title pull you in?! Check out this sage advice from our friends at Keeping Current Matters:

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Owning a home has great financial benefits, yet many continue to rent! Today, let’s look at the financial reasons why owning a home of your own has been a part of the American Dream for as long as America has existed.

Zillow recently reported that:

“In reality, buying or renting a home is an intensely personal decision, with emotional and even financial considerations that go beyond whether to invest in this one (admittedly large) asset. Looking strictly at housing market numbers, there is a concrete point at which buying a home makes more financial sense than renting it.”

What proof exists that

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Yes, friends: It's BACK!

For those new to this game, every open house we do comes with a chance to win a $100 Visa gift card!

Sign in at the open house and get your name thrown into a monthly drawing, with no limits on how many times you can enter. 

Open house near your home? Stop by and enter!

Open house near your work? Stop by and enter!

Open house near your family's favorite ice cream place? Stop by and enter!

Visit every single open house we do in a month and really up your chances to WIN.

But you can't win if you don't ENTER.... so be sure to keep an eye out on our social media for our open house posts to see where all you can stop in and get signed up for your chance to win (and of course check out some great homes as well.)

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The honest truth is....  You should know your credit score. But let's be honest, 

Wondering why, or even what to do if it isn't so stellar?

Read this great piece by our friends over at KCM:

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Knowing your credit score or getting a recent copy of your credit report is one of the first steps that you can take toward knowing how ready you are to start the home buying process.

Make sure all the information listed on your report is accurate and work to correct any mistakes. The higher your credit score, the more likely you will be to receive a better interest rate for your mortgage, which will translate into more ‘home for your money.’

Many potential buyers believe that they need a 750 FICO® Score or higher to be able to purchase a

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