Category Archives: HouseForSale

1447 Dungee Street, Norfolk, VA 23504

Property Details for 1447 Dungee Street, Norfolk, VA 23504

Lots of house for the money. 5 Bedrooms, 2 bedrooms downstairs and three bedrooms and a bonus room that would make a great play room or office upstairs. Front porch for relaxing. Hardwood floors throughout. Newer roof and new 2 zone HVAC system. Great buy for the money, set your private showing today.

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3581 Norland Circle, Norfolk, VA 23513

Property Details For 3581 Norland Circle, Norfolk, VA 23513

Gorgeous renovated 5 bedroom 3 full bath home. New roof, windows, plumbing, electric, water heater, & more! Kitchen with granite & stainless appliances. All bathrooms have granite vanities. Spacious open living area downstairs with dining area. 2 bedrooms downstairs. Master suite is upstairs that has a huge walk-in closet, separate sitting area & new bathroom with dual sink vanity and big custom, tile shower.

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3007 Bay Shore Lane, Suffolk, VA 23435

Property Details For 3007 Bay Shore Lane, Suffolk, VA 23435

The smartest home on the block is 18 miles from NAS Norfolk & 23 miles from the Norfolk airport. A Vivint security system, with 4 cameras watches 2K+ Sq Ft. An updated kitchen features oak cabinets, an eye catching backsplash, granite countertops, new DW, microwave oven, pantry & more. The dining & family area can accommodate large gatherings while a surround sound system keeps the party going on 2 levels. Instant ambiance comes with the flip of a gas FP switch, & you can watch nightfall from the 2nd story deck. From your smartphone, Alexa or the Honeywell panel, you can control room temp, lights & even change the colors. It also tracks energy expenses for the 5-yr old 3 zone. HVAC system. If it senses a problem the water heater shuts down the water source, & a 5yr old parabolic satellite dish conveys. The 1st fl deck is wired for a Hot Tub. The condo assoc. maintains the most exterior features. The home is light on maintenance & full of fun. Virtually staged photos have been used.

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3105 Guardhouse Circle, Virginia Beach, Virginia 23456

Property Details for 3105 Guardhouse Circle, Virginia Beach, Virginia 23456

The ZIP Code says it all. Everything is lined up just right at 3105 Guardhouse Circle, Virginia Beach Va, 23456. This four bedroom, 2.5 bathroom, 2 story home is a straight shot to Naval Air Station Oceana and Dam Neck Annex. The 1725 sq. ft. home has a security system, new attic insulation, new washer and dryer, and a new microwave oven. The electric stove and dishwasher are only 2 years old. Say hello to neighbors from the front porch or soak up the sun from the backyard patio that is enclosed with a privacy fence. The homeowners association takes care of sewer trash, ground maintenance, and the privacy fence while you can visit nearby golf courses, beaches, and hiking trails. The neighborhood is in the Kellam High School district and it’s less than 5 miles from Sentara Princess Anne Hospital!

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6407 Whittier Drive, Norfolk, VA 23513

Property Details for 6407 Whittier Drive, Norfolk, VA 23513

Visit this immaculately kept, charming brick ranch first! It’s located in a well established tree lined neighborhood and offers three bedrooms, two full bathrooms and the master bath has a walk-in tub. Nice sized rooms with large living room, dining room, kitchen, converted garage or man cave and beautiful sunroom! Large yard and storage shed with newer roof and furnace. Endless possibilities of expanding for future use. Square footage per city records.

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1013 Warfield Drive, Portsmouth, VA 23701

Property Details for 1013 Warfield Drive, Portsmouth, VA 23701

Comfortable, cozy, and clean! Let this beautifully renovated 4 br, 2 bath ranch steal your heart! 12 foot waterfall shower in master, beautiful floors, and clean granite kitchen with stainless steel appliances. Spacious, oversized patio deck great for entertaining with a gazebo, brick firepit grill, and a brand new lined inground pool great for summers. Let this next gem in the heart of Portsmouth be your forever home.

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Build Equity In Your Home Faster…

Title with "Build Home Equity Faster"
Build Home Equity Faster
eq•ui•ty
Function: noun
.
1 a : a right, claim, or interest existing or valid in
equity b : the money value of a property or of
an interest in a property in excess of claims
or liens against it c : a risk interest or ownership
right in property

Equity is the part of your property that you actually own. If you own property that’s worth $250,000, and you have a mortgage with a remaining loan balance of $100,000, your equity in the property is $150,000. Repeat home buyers usually rely to some extent on the equity in their current home to help buy their next home. The more equity you have, the larger the possible down payment for the trade- up home.

Home equity also equals security, especially at the beginning of a mortgage loan, so little of your payment goes to principal that equity builds slowly.

Home made of money with words Home Equity beside it
Home Equity

Naturally, building home equity comes at a price, usually in the form of larger payments. If building home equity means incurring debt to make ends meet, then you’ve defeated the purpose of building equity in the first place.

One way is to make additional principal payments. Additional principal payments make sense when you save more on your mortgage interest expense on an after-tax basis than you would earn on your investments on an after-tax basis.

If you are able to deduct your mortgage interest from your income taxes and your marginal federal income tax rate is 27 percent or higher, then your after-tax cost of mortgage debt is between 3 and 4 percent. For instance, if you earn 4 percent pretax on a five-year CD, and you’re in the 27-percent bracket for federal income taxes, the after-tax return is less than 3 percent.

Before you start making additional principal payments, use one of the many amortization calculators you can find on the internet to do the math – how much interest you would save if you made additional principal payments and how much it would shorten your loan and increase your home equity.

The other way to build home equity faster is to refinance. Recently, the reason most people have refinanced is to lock in a lower interest rate and/or lower their monthly payment. But you can also refinance to shorten the term of your mortgage, which builds equity.

If you had a $200,000 30-year ARM at 8.13 percent and replaced it with a 15-year fixed rate loan at 6.75 percent, your monthly payment would go from $1485.69 to $1769.82.

Most sellers use part of their equity to pay selling costs, such as brokerage commissions and transfer taxes. Also, if you are delinquent on your property taxes, or have other liens secured against the property, such as an IRS tax lien, these would have to be paid at closing.

Want to find out how much equity you have? Visit https://ercteam.exitcentralhr.com/sell/ and see!

1812 Silveria Street, Virginia Beach, Virginia 23464

Property Details for 1812 Silveria Street, Virginia Beach, Virginia 23464

Hurry, you don’t want to miss this beautiful 5 bedroom home! The 5th bedroom is the finished room over the garage. Equipped with beautiful hardwood floors in the great room, dining room, foyer and front staircase. Large first floor office enclosed with french doors. The home is wired for surround sound for your entertainment. Easy access to major highway.

For More Information, Please Call 757-466-1009

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