FREE Home Value Estimator - What Is My Home Worth?

Want to know how much your home is worth? AJ Team brings to you a FREE home value estimator - it's super quick. It's the perfect tool for someone looking to sell their home. 

This FREE home value estimator will provide you with information that is useful to understanding around what you can sell your home for, but a real estate agent can give you more concrete information. For that reason, be sure to contact the AJ Team at 703-562-1820 if you are considering selling you home!

AJ Team Realty / Keller Williams

info@ajteamrealty.com

SellMyHomeNOVA.com

703-562-1820

AJ Team pulls a list of foreclosed homes for Sale in Woodbridge VA . Here it is:  

 This list of foreclosed homes for sale in Woodbridge, VA has quite a few gems!

 13318 HADDOCK RD is listed at $259,000.  This home is a corner lot, centrally located in Dale City, which means it has No HOA fees! This home features 3 bedrooms, 2 full bathrooms, and finished basement. It has been freshly painted and new carpets. This location allows for a convenient commute to I-95, the VRE in Lorton, and it is close to shopping centers

 5561 ROWSER DR is listed at $265,200. This property has 3 bedrooms, 3 bathrooms, features a huge, gorgeous yard, fireplaces, and backs to trees. Also, check out this wonderful front porch and exterior:

 

12709 GORDON BLVD #68 is listed for only $144,900. This condo is spacious and features 2 bedrooms, 2 bathrooms, and a wonderful balcony. It's location is within walking distance to historic Occoquan with quaint shops and restaurants and is minutes from major commuter routes.

 Altogether, this list of foreclosed homes for sale in Woodbridge VA currently consists of about 26 homes. Make sure to act quickly on these great deals! Contact the AJ Team today at 703-562-1820 or info@ajteamrealty.com. Our agents always answer promptly and will listen to your wants and needs.

 Contact us:
AJ Team Realty/Keller Williams
SellMyHomeNOVA.com
info@ajteamrealty.com
 703-562-1820

OPEN HOUSE in Woodbridge VA - 4 Bedroom Single Family Home - GREAT Schools, Wooded Yard, and Location!

OPEN HOUSE in Woodbridge VA

Looking for a 4 bedroom home for sale in Woodbridge VA? This one is absolutely perfect. It has GREAT schools, a huge yard filled with trees, and the location is ideal for commuters! 

  

 OPEN HOUSE in Woodbridge VA

Date: Sunday, Jan. 25, 1-3pm

Address: 13019 Sturbridge Road, Woodbridge, VA 22192
Price: Offered at $354,990

 This home for sale in Woodbridge VA features the following:

• Immaculate 4 Bedroom/3 Bathrooms Lake Ridge Home
• Upgraded Kitchen with all new cabinets, appliances, tile, back splash & granite counters
• All bathrooms updated with new tile, tubs, shower doors
• Fresh paint throughout
• New Carpet & tile on the lower level in storage area & foyer
• Gleaming hardwood throughout upper level
• Fireplace
• 2 Living Spaces
• Separate Dining Room
• Potomac Mills, Tackett’s Mill and commuter lots nearby!
• Great school community
  • Rocklidge Elementary was given a rating of 8 out of 10 by GreatSchools.org, which means it is well above both the sate and national average!
  • Woodbridge Middle School was given a  7 out of 10, which means your middle schooler will also be receiving an education above the state and national average.
  • Woodbridge High School students are also receiving a quality location, performing at proficient or above percentage standards.
• Full Listing HERE

Give us a call! 703-562-1820

 AJ Team Realty/Keller Williams
 info@ajteamrealty.com
  SellMyHomeNOVA.com
 703-562-1820

Open House in Lake Ridge VA

Sunday 1/11, 2-5pm!

See the full listing HERE

 Address:  13019 Sturbridge Road, Woodbridge, VA 22192
 List Price: $364,990

• Immaculate 4 Bedroom/3 Bathrooms Lake Ridge Home
• Upgraded Kitchen with all new cabinets, appliances, tile, back splash & granite counters
• All bathrooms updated with new tile, tubs, shower doors
• Fresh paint throughout
• New Carpet & tile on the lower level in storage area & foyer
• Gleaming hardwood throughout upper level
• Potomac Mills, Tackett's Mill and commuter lots nearby!

Must see home! For similar Lake Ridge homes for sale, Click Here! Contact us for a viewing:
AJ Team Realty
Info@AJTeamRealty.com
 703-562-1820

How To Recycle Your Christmas Tree in Northern Virginia - Drop off Points and Instructions

Wondering how to recycle your Christmas tree in Northern Virginia? Here are some quick how-to instructions as well as some local drop off points in Northern Virginia.

 *Make sure to sweep the needles that fall on your floor. Don't vacuum them. Needles can clog/puncture your vacuum cleaner.*

City of Arglington: Trash and recycling collectors are picking up Christmas trees for the first two weeks of January (until the 16th) if residents place their trees at their curbs no later than 6am on your trash collection day. If you are like me, and think that dragging a tree out your front door earlier than 6am in the morning is just not an option, I recommend doing this task the night before. Make sure to remove all decorations, stands, plastic bags, or anything else that is not tree is removed from the tree. If you don't have a trash service, you can drop off your tree at the Solid Waste Bureau. Call 703-228-6570 to set up an appointment, and make sure you have proof of residence when you go to drop off your tree.
Fairfax County: Trash and recycling collectors are picking up Christmas trees for the first two weeks of January if residents place their trees at their curbs. Remove all decorations! If you do not have this service, residents can recycle their trees at the I-66 Transfer Station (4618 West Ox Rd. Fairfax, VA; 703-631-1179) or I-95 Complex (9850 Furnace Rd. Lorton, VA; 703-690-1703). There is a small fee for this service.
Fauquier County: Christmas trees are ONLY accepted at Corrall Farm Facility in Warrenton. Make sure to remove all decorations.
Loudoun County: Residents of Loudoun County should contact their home owner's associations or their waste collectors for specific instructions. However, until January 20th, Loudoun County will accept drop offs in several locations:
  Leesburg (Loudoun County Landfill Recycling Dropoff Center: 21101 Evergreen Mills Rd. Leesburg, VA 20175)
  Sterling (Claude Moore Park (use Loudoun Park Lane entrance, go to ball fields) 21544 Old Vestal's Gap Rd. Sterling, VA 20164)
   Lovettsville (Game Protective Association 16 South Berlin Pike Lovettsville, VA 20180)  South Riding (Town Hall (rear parking lot next to tennis court) 43055 Center St. South Riding, VA 20152)
  Purcellville (Franklin Park 17501 Franklin Park Dr. Purcellville, VA 20132) Like in other locations, make sure to remove all decorations before dropping off your tree, whether at your curb or at these drop off sites.
Prince William County: If PWC residents wish to recycle their Christmas tree, they can bring their tree to one of the following locations:
 The Prince William County Landfill at 14811 Dumfries Road in Manassas -  703-792-4670
 The Balls Ford Road Compost Facility located at 13000 Balls Ford Road in Manassas - 703-792-4670
 Leesylvania State Park located at 2001 Daniel K. Ludwig Drive in Woodbridge (off of Neabsco Road). Christmas trees should be dropped off at Shelter #2. They will be used for the habitat.
 Northern Virginia Electric Cooperative (NOVEC) located at 5399 Wellington Branch Road in Gainesville. until Jan. 12. The drop off area is located in the front parking lot (marked in orange cones). NOVEC will deliver the wood-chip mulch to interested customer-owners at no charge. (Cool, right?)

Some other alternatives:
 - Cut your tree up to fit loosely into your waste container
 - Nonprofit organizations (like some boy scout troops) will often charge around $5 to pick up a tree.
 - Have a private fish pond? Trees sunk into the water provide great refuge and feeding areas for fish!
 - Place your tree out in the yard or garden. Birds love them, especially if you feed them with hanging orange slices or popcorn. Once the tree dries out, the branches become brittle and easy to break. Not to mention, the needles with fall off OUTSIDE, where they'll act as mulch and then decompose into soil.
 - Of course, if you or your neighbor has a chipper, you can grind that tree right up into amazing-smelling mulch!

 Know how to recycle your Christmas tree and where your local drop off points are for Christmas trees. Involving the kids teaches them not only how to recycle just a Christmas tree, but how to better care for the over-all environment. Besides, Christmas tree mulch smells AMAZING.
 Merry Recycling!

 AJ Team Realty/ Keller Williams
  SellMyHomeNOVA.com
info@ajteamrealty.com
 703-562-1820

Top 10 Mortgage Tips for 2015: Real Estate Questions Answered

AJ Team Realty has gathered the top 10 mortgage tips for 2015. These tips will help home buyers understand how to navigate the mortgage process and get the lowest rate possible.

1. Keep Your Money Still - Once you begin your home search, avoid moving money around, such as taking money out of your savings and putting it into a CD. Also, avoid cashing in on anything - retirement accounts, stocks, or the like. Paying off debts with savings is also a big no-no. Moving money around, making large purchases, or paying off debt all create money trails that can become a pain when it comes to showing where the money came from. This mortgage tip will help you buy that dream home!

2. Prepare to Explain - Lenders are nosy and suspicious. They'll question anything - I mean, anything - that looks slightly suspicious. Store credit cards pull your credit, making the lenders suspicious. Relatives know you're looking for a new home and write some generous checks that you, of course, deposit? Suspicious. Change jobs? Suspicious. Move around a lot? Suspicious. Lenders will ask you about all of these, requesting letters to explain why. Relax, write the letters, and move on. Don't let it frustrate you - lenders are looking out for their interests and are usually more than happy to answer any questions that you have. 

3. Deposit Gifts Early - Remember those generous relatives? Make sure to deposit that monetary gift at least 2 months early. If the deposit of a large monetary gift is within 2 months of the purchase, the gifter will have to write a letter saying that the money is intended as a gift, not a loan. They'll have to provide the bank with a copy of the check before you go to closing, and they'll have to provide verification that they can afford this gift by providing their own bank statements/letter from their bank. Poor Nana. Keep this mortgage tip in mind so both you and Nana can avoid an unnecessary headache. 

4. Self-Employed? Get Planning EARLY - Thank you, 2014, for making self-employed life difficult. Rules now require extra documentation for you self-employed folks. You'll need 2 years of tax returns, which is by nature considered rather unreliable, so loans can be difficult to secure. Alternatively, you can take less of a deduction each year, boosting your annual income, or you can have someone co-sign with you that has income documentation in the form of  W-2 statements. An unfortunate mortgage tip for you self-employed folks, but one you really need to be aware of so as to plan early!

5. Organization - Get some sort of filing cabinet and keep hold of any and all financial papers that are within 2 months of buying your new home. This papers include W-2s, tax returns, pay stubs, bank statements, checking/investment accounts, property tax statements, and any cancelled checks (for rent or mortgage). Also, save your bank and yourself headaches and put them in PDF format - makes life much easier!

6. Keep Your Credit Profile Stable - No big purchases (like a car) within a few months of buying your new home! New large payments = high rates and fees on your home loan. Don't change your credit obligations. Don't close or open an credit lines. Keep your credit within its normal rate. Unusual activity can cause high rates, fees, and even cause you to not qualify, even if you are financially secure. 

7. How to Pay Less Mortgage Insurance - Don't have enough to pay a 20% down payment? You're not alone. Unfortunately, that means you have to pay mortgage insurance every month. This rule protects lenders in case buyers defaults on their loans. 

Federal Housing Administration-insured loans only require a 3.5% down payment, but FHA premiums are costlier than private mortgage insurance. 

Good news is that qualified home buyers can attain Fannie and Freddie- backed loans, which require only a 3% down payment. Generally, these premiums are not as costly, but they do vary depending on the down payment and buyers' credit scores. 

Talk to your bank, real estate agent, and lender and make sure you are not buying beyond your means. You want to pay as large a down payment as possible, but you also don't want to go bankrupt. Be smart. 

8. Get Pre-Approved - Sellers prefer buyers who are pre-approved, so this mortgage tip will help you right off the bat. Pre-approval will also help you with much of your home-buying process. Your lender will submit documentation and pull your credit score. This information helps you understand what you can afford more accurately than relying on estimates. It also leads to a faster closing. The AJ Team will make sure that this is one of your first steps when you begin your home search, putting you ahead of other buyers and making the process quicker for you. 

9. Refinancing? - So many factors go into refinancing a home. What rate do you need? How long have you been financing? Talk to mortgage professionals before jumping into a process you've never gone through before. They'll help you understand what you need and help you reach your goals. Refinancing can be a great option, especially if you had to begin the home-buying process with a lower down payment than ideal. 

10. Reverse Mortgage for Older Buyers - Don't want to drain retirement funds? Consider a reverse mortgage on your home. You need to be at least 62 years old to qualify. The reverse mortgage lender will pay up to 52% of the new home's sales price. The home buyer gets the title, but the lender retains a security interest in the home. Bankrate writes, "There are no monthly payments, and when the home is sold or no longer the borrower's primary residence, the reverse mortgage must be repaid. Any remaining equity belongs to the borrower, heirs or estate." 

Keep these mortgage tips in mind as you start your home buying process. One of the great things about the AJ Team is that we make sure you know these things and stay on top of them throughout the home buying process. You're not alone with a team like ours- we really do make sure that you are taken care of during this process.

Questions? Give the AJ Team a call at 703-562-1820 or email us at info@ajteamrealty.com. We are MORE than happy to help. 

AJ Team Realty/ Keller Williams
SellMyHomeNOVA.com
info@ajteamrealty.com
703-562-1820