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A Christmas Gift Idea To Grow Your Family Tree

Are you starting to have thoughts of gift giving? Have ribbon festooned gift boxes begun invading the space in your head? Are you starting to panic? Once again as the countdown to the holidays begin you hear the buzz everywhere Merry Christmas. Families everywhere deciding what to get the most important people in our lives. It may be less daunting if the focus group is kids, teens and young adults, toys and money and they’re covered. Couples on the other hand may choose to purchase a house.

But, there’s the other group. Addressing this annual dilemma for the grownup adults close to us is quite another matter. If you are anything like me when I am presented with the question of “What do you want for Christmas or Hanukkah (insert appropriate holiday) my answer has been much the same for a few years now. “I really don’t need anything” or “I have everything I need”, “Please do not get me anything” all true but not helpful. Pitiful. Boring. I know it. A pretty frustrating answer to the individuals asking. Said individuals would just like a hint, a tip, or any little useful idea to be imparted by us!

I’ve thrown my own hands up when my friends or family have answered in kind. Part of the reason I believe most of us commonly give this abysmal response is because we live in a “cannot wait, instant gratification” world. A world where we constantly wrestle with this widespread affliction. It goes like this. When We Want Something We Don’t Wait, we immediately Go Right Out and Get It. This is applicable to the general everyday stuff. You may be nodding and smiling.

Am I describing you?

So, just WHAT IS IT THAT WE WANT? Honestly, most working adults I know don’t have much to add to a wish list. They have likely picked up these items for themselves or ordered them online. The TRUTH IS the things we may still really want are the big-ticket items. Like a ‘brand new car’ or ‘a home for the family to make memories in’. The latter is something that I can certainly help you with. We are very busy this time of year helping clients with their holiday wish of “A New Home for the Holidays”. If you have been musing wishful thoughts of owning A New Home For The Holidays – you are in luck. As a Realtor on the Choose A Home Team, I would be thrilled to help make your wish come true!

By ~ Susan Kent (aka Agent Kent)

Merry Christmas! Find your way Home For The New Year!

Purchase a house for your family.

Mortgages Made Easy! Use Local Lenders.

Why use a local lender for your house purchase?

You would not use a real estate agent who lived in another state would you? So why would you work with an out of lender to do a loan on your house purchase.
Getting a mortgage with non local lenders and large banks can be a task that is frustrating and time consuming. Not to mention wrought with communicating papers back and forth, to make sure your lender has the correct, up to date, and accurate facts. No doubt you have bee tempted to use those companies that promise, no closing costs, no fees, answers in one hour. Just like everything else, buyer beware. Most of these companies can promise you anything, but can they deliver when you need quick service, answers fast or even to meet deadlines that are the same day, the solution to these problems is simple, use a trusted local lender.

Local lenders know the real estate market, they are familiar with local prices, what homes sell for, and they are available quickly. Most lenders live where they are trying to lend, they have children who go to the local school, and they can discuss various other market differences. Why would you call a lender across the country who has no idea where you are, what the local market is doing. Some lenders are in a different time zone and shut down at five. Most local lenders are more competitive in the interest rate, closing costs and other fees associated with getting a mortgage. Our Choose A Home Team Members are happy to recommend the following trusted lenders to use when you purchase a house.

Local Lenders

Nick Russo Nick consistently goes over and above helping our clients fix problems with credit, working with underwriters, and making use closings go smoothly. He takes pride in a personal touch and works with all types of mortgage loans. VA, Conventional, FHA and Virginia Housing Loans. Ask Nick about a $100 gift card just for getting a second opinion from him.

Bobby Ashburner Bobby partners with us and teaches the lending portion of our free first time homeowners class. The class is approved by Virginia Housing. His area of expertise includes fixing lower credit scores and working with first time buyers to navigate the paperwork. Many times, after hours he has answered his phone and helped the client with the questions they may have had. Bobby takes pride in all of his transactions. He works with first time buyers to a million dollar beach homes and investors buying multiple properties.

In conclusion, avoid using out of state or big box and online lenders, it makes sense to use local lenders. You will be surprised at the high level of service and savings both in time and money you will have.

Remember Interest rates and home prices are slowly starting to climb so consider getting started!

The Choose A Home Team At Howard Hanna

Home For The Holidays!