va: Do I Rent, Sale or Short Sale my Home? - 09/13/12 06:21 AM
I seem to be having this question posed to me alot lately. It is a very hard question to answer as it can be a very personal decision and obviously an impactful decision.
I urge you to sit down with an experienced agent...meaning experienced in real estae and experienced in life. You need to hear both sides of the story!
You may be in the position that you could possibly sell your home and break even after paying 6% real estate commission, 3% buyer assisted closing costs and your own closing costs of 1%. In the Tidewater area of Virginia, I like … (0 comments)

va: Buying a Home: Prepare by Getting your Finances in Order - 08/27/12 08:13 AM
Buying a Home: Prepare by Getting your Finances in Order
For those considering buying a home, the current real estate market presents some unique opportunities. One of the side effects of the economic roller coaster ride of the past few years is that home prices have gone down and more homes have gone on the market. For buyers, that means more choices and better deals. However, those same tumultuous years can also teach buyers a lesson: Make smart buying decisions and be wise with your finances.

Impulsive buying is never a good idea when it comes to a … (2 comments)

va: Appealing Your Property Taxes! - 08/20/12 11:03 AM

I have a wonderful brother who is a retired attorney. I tease him that 'the hired gun' in the family is no longer the hired gun!
However, when it comes to legalities where he and his wife are concerned, he still comes out blazing with both holsters! He just appealed his home's tax assessed value and came out 'sort of a winner'. 
Bottom line:  We never win against any goverment entity 100% but if we can get them to bend a little, then we should consider that a victory. He got his county to bend by 50% on … (1 comments)

va: 30-Year Fixed Mortgage Rate Hits Record Low - 08/29/11 05:19 PM
 
               
Mortgage rates posted mixed results this week, but the benchmark conforming 30-year fixed mortgage rates fell to a record low of 4.41%, according to Bankrate.com. The average 30-year fixed mortgage has an average of 0.43 discount and origination points. The previous record low of 4.42% was set in October and November of 2010.
The average 15-year fixed mortgage increased to 3.63% while the larger jumbo 30-year fixed rate bounced to 4.94%. Adjustable-rate mortgages were mostly lower, with the average 5-year ARM dropping to 3.12% and the 7-year ARM sinking to 3.27%. Both are record lows.
Prevailing economic concerns … (1 comments)

va: Mortgage Rates Dip Further - 08/18/11 04:28 PM
 
Mortgage rates declined for a third straight week, with the benchmark conforming 30-year fixed mortgage rate now 4.45%, with 0.45 discount and origination points, according to Bankrate.com. The record low of 4.42% was set in October and November of 2010.
The average 15-year fixed mortgage reset a record at 3.58% while the larger jumbo 30-year fixed rate fell below the 5% mark for the first time, landing at 4.89%. Adjustable rate mortgages saw the biggest decreases, with the average 5-year ARM dropping to 3.15% and the 10-year ARM falling to 3.83%.
Mortgage rates remain at, or near, record lows on … (1 comments)

va: You Can't Fool a Dumb Blonde! - 07/27/11 06:59 PM
Last year I replaced all the windows in my house with that expensive double-pane energy efficient kind, and today, I got a call from the contractor who installed them. He was complaining that the work had been completed a whole year ago and I still hadn't paid for them.
 

Hellloooo, just because I'm blonde doesn't mean that I am automatically stupid. So, I told him just what his fast talking sales guy had told me last year, that in ONE YEAR these windows would pay for themselves!
 Helllooooo? It's been a year! I told him.
 There was only silence … (1 comments)

va: SAVE $$$$ BY REPAIRING WINDOWS - 07/22/11 06:23 PM
Repairing worn windows, rather than replacing them, can save you thousands of dollars
Perhaps your wood sashes are cracked, peeling, and prone to rattle in the wind. Or the insulated glass in your vinyl casement is “blown”—filled with foggy condensation. Maybe your aluminum slider gave up sliding years ago. You’ve got a window problem, and you know it’s going to cost you.
Confronted with such ills, many home owners leap to the conclusion that it’s time to replace their windows. That’s an expensive proposition: A double-hung 3x5-foot vinyl replacement runs about $525
installed. While it’s an investment that’ll pay off if … (2 comments)

va: Gorgeous Home in Award Winning Sawyer's Mill, Chesapeake, VA 23323 - 07/17/11 08:24 PM
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va: Half Hairathon! Two Cool Gals! - 06/28/11 07:49 PM
I know I should be writing about something real estate oriented, but gosh darn, sometimes I just don't feel like it. Besides, when I've shown a heaping number of homes in the heat over the last several days, I just don't have much to say. That was, until I ran across this photo on facebook of a couple of gals giving it their all in their personal battle against cancer. They told me they got alot of thumbs up during the half hairathon!  Love it, love it, love it! Two cool gals!

Ladies, you R-O-C-K!!!


 
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va: Portsmouth First Time Homebuyers Dream! Just Reduced! - 06/18/11 08:20 PM
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va: Historical Home in Suffolk Just Reduced! - 06/18/11 08:07 PM
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va: Ghent Condo Reduced! Super Value! Great Location! - 06/18/11 07:56 PM
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va: First Time Homebuyer or Investors: Virginia Beach Townhome Just Reduced! - 06/18/11 07:47 PM
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va: Escrow Accounts:What's the deal? - 06/10/11 05:25 AM
 
Does your escrow account ever cross your mind? Probably not. But forgetting to monitor it can lead to lost money and a big headache.
Your lender must send you an escrow account statement annually, and refund any available balance if you sell your home or refinance your mortgage. Image: Thomas Northcut/Digital Vision/Getty Images
If you have a home mortgage escrow account, you pay one-twelfth of your annual property taxes and home insurance costs as part of your monthly mortgage payment. You likely find it so handy, you don't even think about what you're paying into this de facto savings plan. … (0 comments)

va: Understanding Energy Ratings for Windows and Doors - 05/24/11 05:27 PM
Just because windows or doors are Energy Star-labeled doesn't mean they're eligible for the maximum $500 federal tax credit. And with costs running about $500-$1,000 per window including labor, it's wise to know something about the scientific lingo and numbers on the product labels you're likely to encounter. Here's your pro-level label-decoding guide so you can be sure you're buying qualified products.
Which labels matter?  
The two labels you should look for: The U.S. Department of Energy's blue-and-yellow Energy Star label, which specifies the climate zones the product is certified for, and the white National Fenestration Rating Councillabel. Nonprofit NFRC … (2 comments)

va: How to work with your loan servicer to prevent foreclosure - 05/17/11 05:25 AM
If you are worried about making your payment a couple of weeks later than usual, you should immediately let your loan servicer know when you will be making the payment. Make sure the servicer has documented the anticipated date you will be making the payment.
If you are unable to make your mortgage payment:
1. Don't ignore the problem.The further behind you become, the harder it will be to bring your loan current and the more likely that you will lose your house.
2. Contact a housing counselor.Housing Counselors can help you understand the law and your options, organize your finances … (0 comments)

va: Smart upgrades for decks - 05/13/11 08:18 PM
 
  
A deck is one of the most cost-effective of all home improvement projects. In fact, according to Remodeling Magazine's 2010-2011 Cost vs. Value Report, a wood deck project returns an average of nearly 73% of the investment cost-one of the highest values in the survey.
You can ensure you're getting the most from this smart investment with low-cost add-ons and special features that increase your deck's appeal, and that will make your deck one of your home's most enjoyable living spaces.
Hidden fasteners for decking
For years now, deck screws have been the fastener of choice. (Nails, prone … (4 comments)

va: Broker Open House May 17, 2011- 11:00 -1:00 P.M. - 05/12/11 09:22 AM
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va: What affects credit scores? - 05/10/11 08:25 PM
You have to keep your credit score up in case you want to take out a second mortgage or home equity line of credit (HELOC), or get the lowest premiums on your home owners insurance. Here's the 411 on how various money management tactics goose up or ding your credit score.
More money improves your credit score
False. Your level or sources of income don't affect your credit score, although lenders may look at it when making loan decisions, according to the Fair Isaac Corp., the company that issues the commonly used FICO credit scores.
Ownership of several credit cards can … (1 comments)

va: PERFECT CONDITION! - 04/26/11 07:56 AM
Perfect Condition … (1 comments)

 
Donna Bosze, Ask Me Why I'm Different! (Realty Executives Top Producers)

Donna Bosze

Ask Me Why I'm Different!

Chesapeake, VA

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Address: 316 Office Square Lane, Virginia Beach, VA, 23462

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