Are you ready to transform your home ownership goals into reality?

Buyers: 

1) Know your credit score
2) Know your household budget
3) Get pre-qualified

Need help? Get a list of local lenders to help make it happen for you.

Sellers:

1) Declutter and Organize
2) Depersonalize
3) Consider Inspection Items, including pest and radon

Ask for an in home preview and listing presentation.

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Judy McCloskey

Judy McCloskey, Realtor
Residential, Office & Lux Rentals
Weichert, Realtors
McLean, VA 22101

Find the Right Space - Right Now

Ask!

When it comes to buying and selling real estate, the best use of time is talking with your realtor and your lender. If you're not working with a lender and would like to start the pre-qualifying process before looking at homes, indicate so in the comments 

 





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Prioritizing the Priorities

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Buying a home ranks as one of the greatest personal investments anyone makes- and moving as one of life's greatest stressors. Being organized Prioritize your prioritiesenables you to navigate the process successfully to achieve your home-ownership goals. And that requires developing a team mindset to include a lender and Realtor. The team you create then works in sync so your goals will be realized.

Here's how:
Ask yourself how much you can afford to pay for a home. If you’re not sure of the price range, talk to a lender to find out. Just remember this important fact: the amount you are pre-approved for represents an amount the bank is comfortable lending. It does not always represent an amount that your household is comfortable to pay back.

   Agreeing to the maximum loan amount the bank will lend may overextend your household budget. While the bank tells you what's possible, you tell the bank what's realistic.

Staying within your household budget is more important and contributes to your peace of mind so you can enjoy the home you buy.

With your budget in place, and having been pre-qualified by your lender, you are now ready to look at homes. By pre-qualifying first, you'll avoid common pitfalls of many first time home buyers- 1) falling in love with a property that is out of budget range or 2) losing out to another buyer who already is loan approved.

Once financial due diligence has been completed, then decide on location. Do your best to narrow the options to one or two locations or neighborhoods. 

A few things to consider regarding location:
Lifestyle- do you love walking out the front door and being in the heart of the city like Merrifield and Tysons Corner, or is the quiet seclusion of equestrian properties in Fairfax Station and Oakton preferred? Perhaps planned communities like Cameron Station in Alexandria are more suited to your life. 

Commute and proximity to Metro Station or VRE - how important is that to your work week? Do you drive west on 66 to work, or take the Metro into DC? What Metro line do you need to be near? Have you considered starting with those cities? Have you studied the Metro Line map?

School Pyramids- for state and national rankings, check out GreatSchools.com and US News & World report. Northern Virginia schools consistently rank among the highest.

Local Transit-  Do you need to be near a MetroBus, or is Uber enough?

Trails-   The W&OD trail weaves throughout Northern Virginia, and many neighborhoods have additional trails. Do you need to walk out the door and hit the trails, running or biking?

Cost of Living- is it worth considering a home located further out if it means more house? Or are you better off in a smaller home with greater community amenities and closer to work?

So prioritize your priorities- all of these factors (and others specific to your circumstances) factor into determining the better location. If you can't have it all, then what's more important- school pyramids or cost of living? Closer commute, or more land?

The more you envision the details and plan your home-owership future, the more likely you will achieve it! 

 

Judy McCloskey
Weichert Realtors

1313 Dolley Madison Blvd
McLean, VA 22101
Phone: 703-795-1099
Fax: 703-760-8939
Email: vitabellaproperties@gmail.com

Testimonials

"We cannot thank you enough for your tireless guidance and help throughout our first home buying experience. We really appreciate your patience and the time you've spent with us during our search. Your experience and diligence in answering our gazillion questions helped us feel confident going forward and made this process much less stressful and daunting. We are so, so excited to be owners of the awesome home you helped us find!" Jess D. & Josh W.
"She advocated for us every step of the way and we were able to move into a property that we fell in love with, largely due to the guidance that she offered ... She made the search process seamless and comfortable. It was especially appreciated that she openly expressed her opinions about the properties we viewed, using her expertise to identify concerns that we would not have noticed. It was clear that she has her clients' best interests at heart, and I have already begun to refer her to friends."   Tameka P.
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Connect With Me

Ask!

When it comes to buying and selling real estate, the best use of time is talking with your realtor and your lender. If you're not working with a lender and would like to start the pre-qualifying process before looking at homes, indicate so in the comments 

 





* fields are required

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