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Brenda Moore
Associate Broker
    Years of Experience: 9

    ABR - Accredited Buyer Representative
    GRI - Graduate Realtor Institute
    SFR - Short Sales, Foreclosures

Direct: 434-258-7670

Office: 434-525-6561

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Real Living Cornerstone
123 W. Third St
Farmville, VA
434-525-6561

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Posts Tagged ‘buying in bedford county’

Contract Definitions For Your Use

Monday, June 14th, 2010

ADJUSTABLE-RATE (ARM) A mortgage that does not have a fixed interest rate. Based on market conditions, the rate can increase or decrease, affecting your payment.

ESCROW - Monies or documents held by a neutral third party before closing on a property.  It can also be an account held by the lender, set up for the payment of taxes or insurance.

FIXED-RATE LOANS – A mortgage that has a fixed interest rate throughout the life of the loan.  Repayment terms are generally 15, 20 or 30 years.

LOAN ORIGINATION FEES – A fee charged by the lender for processing a loan.

LOCK-IN – A written agreement setting a specific interest rate on a home loan.  The lock-in is typically good for a specific  time, usually 60 to 90 days.

POINTS – These fees are paid to the lender for the loan, usually in relation to the interest rate.  One point is equal to 1 percent of the principal amount of a mortgage loan.

PRIVATE MORTGAGE INSURANCE (PMI) – This fee protects the lender against a loss if a borrower defaults on the loan and is added to the monthly mortgage payment.  PMI is usually required if the down payment is less than 20% of the purchase price.

Looking for a Realtor who is going to go the extra mile with you?  Call me, Brenda Moore, ABR, GRI, REALTOR at 434-258-7670, REAL LIVING CORNERSTONE, FARMVILLE, VA. 23901.  Brenda serves the Lynchburg, Va. area and surrounding Counties.

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Relocation Costs

Sunday, June 13th, 2010

 

Considering a move to a new city? Before you pack your bags and hire a moving company, be sure to research the potential price tag of relocating. It may cost more than you think.

Cost of living can vary greatly from town to town, so be sure to do some research before taking the plunge. Better Homes and Gardens recommends browsing the local newspaper for grocery promotions, ads, and other local news to track costs so you can put those figures into a worksheet and determine the income you might need. While several cost-of-living calculators are available on the Internet, they provide only general figures and don’t take into account specific housing needs.

Be sure to ask a Certified Residential Specialist in your target area about “hidden” homeownership costs, such as recreation fees, trash collection and community services. Try to obtain a one-year sampling of utility bills for the type of home you’re considering. What can you expect to pay for telephone, cable TV and Internet services? Will you have your own septic tank and water pump, or will the community provide water service?

There are a host of other expenses to consider. What taxes will you pay? Higher taxes may mean better schools, libraries, trash collection and other community services, while lower taxes could mean higher expenses for these services. But it pays to have all the facts before you make a move.

Likewise, transportation and parking costs often are higher in larger cities, while a small-town commute can mean a short walk or bike ride. Also, gas prices can be more costly in some areas than in others.

Leisure time costs can add up as well. How much more will you have to pay for tennis or health club memberships, adult education classes and golf course fees?

Moving away from family and friends can mean more frequent phone calls and trips back home, so be sure to allow for those additional costs as well.

Brought to you by your Agent, A Member of the Council of Residential Specialist.

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Newsletter – April 1, 2010 – Buyer’s Market

Saturday, March 27th, 2010

It’s a Buyer’s Market!

So what does that mean for you? While it may sound like you’ll be in the driver’s seat, calling the shots remember that the seller of your dream home is only going to budge so far. The best way to find out if a house is priced correctly is to obtain a comparative market analysis (CMA). This will help show you the average selling price of homes in your area over the past year.

 Also, remember that prices are negotiable, and as a Real Living agent, I can help you with all the details. Contact me today!

Sell in a Buyer’s Market!

It’s a buyer’s market. While that’s great news for all home buyers, it seems to leave little hope for home sellers. But, fear not sellers – all is not lost. There are still some great tips to help give you a selling edge:

 Prepare yourself – you have to accept what the market is and make the most of it.

Get ready for picky buyers – curb appeal and other details are vital to entice a buyer into your home.

Get educated about your neighborhood’s real estate market.

Hire an inspector – they can impartially let you know what needs to be fixed before your home is on the market.

 As a Real Living agent, I can help you prepare for every step of the home selling process. Simply contact me today to get started!

 Referral Appreciation!

Referrals are a great way to thank those real estate agents who worked hard on your behalf. If you know someone looking to buy or sell a home, be sure to refer them to me. I am always interested in helping new people with their real estate needs!

 If you need any help buying or selling your home, contact me today!

  I’d Like to Hear From You!

The way people buy and sell homes in always evolving, so Real Living is creating faster, more convenient ways to bring you results. Part of that innovation comes directly from you – our home buyers and sellers. Do you have any ideas that would make your home buying or selling experience better? Is there something you’d like to learn more about?

 I’d love to hear from you. Contact me today!

 Help Me Help You!

Buying or selling your home can be a tough act to juggle while trying to balance family and work. That’s why it’s important to know that at Real Living we understand your needs! We offer convenient, online open house guides, real-time listings, instant e-mail notifications and more! We understand you want results when buying or selling your home – and we’re here to work for you!

 If you need any additional information for your estate experience, feel free to contact me today!

Brenda D Moore, ABR, GRI, REALTOR
Serving  Lynchburg, Va. and Surrounding Counties
REAL LIVING CORNERSTONE
123 W  Third Street, Farmville, Va. 23901
Brenda.Moore@Realliving.com
434-258-7670

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Can You Show Me A Listing That Is Not Your Listing?

Sunday, February 21st, 2010

Buyers need to know that they need representation!

 

Just about every week a buyer will call on one of my listings and ask questions about that particular listing.  Sometimes I am able to give that information and also get information about the buyer.  Sometimes the buyer is only interested in that particular listing and will not talk with me about anything else and sometimes will hang up on me.  I wonder why they would do that because I am a wealth of information for them at their fingertips.

Buyers need to realize that they need a buyer representative to take care of their real estate needs.  The  Realtor on the listing sign in the yard, represents the seller and their job is to take care of that seller.  When a buyer calls that Realtor for questions and wants to view that home they are entering into a dual representation with that Realtor if an offer is presented.  The Realtor becomes neutral to the buyer and seller.  Sometimes this works out fine as long as both parties are aware that the Realtor is limited to what they can say and do for the parties. 

It is best to have your own Realtor representing you in the transaction.  Your Realtor knows your needs and can negogiate with the other parties on your behalf.  They know what properties you are interested in; they have spent time getting to know you and your family, they know who you are using for your financing, they know how to negogiate to get you the best deal.  They help you through the home inspection issues and they go through the transaction with you all the way to the end and remain your advisor after the transaction.

How do I find that Realtor you ask?  Interview Realtors before you go out to view property.  Follow them on Twitter or Facebook for awhile and get to know them as a person and a professional.  Then you will be able to ask them to help you in your home search.  Build a relationship with them; you will be glad you did.  Not all Realtors are alike; some only want to get through the transaction; others want to do the best for their clients and become trusted advisors to them.  You need to be comfortable with your Realtor and trust their judgement.

Can I show you properties that are not my listing?  I get this questions so often!  Most certainly I can.  I pay dues every year to be a member of the Lynchburg Association of Realtors.  I pay dues to have a keypad that allows me to get into homes listed by other agents in the Lynchburg Association of Realtors Multiple Listing Service.  I have access to the Multiple Listing Service where I can search for the homes that meet your needs.  You can find me on Facebook; www.facebook.com/Brenda.d.moore; You can find me on Twitter; www.twitter.com/brendamoore.  You can email me at brenda.moore@realliving.com; you can give me a call and we can have coffee; 434-258-7670. 

I want to be your Realtor and your trusted advisor.  Call me today and let’s start that relationship!

Brenda Moore, Realtor, ABR, GRI
REAL LIVING CORNERSTONE – FARMVILLE, VA.
Serving Lynchburg, Va. and surrounding Counties
Licensed in the Commonwealth of Virginia
434-258-7670
brenda.moore@realliving.com

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Spotlight on Fresh Air and Buck and Trish Robey

Tuesday, February 9th, 2010
Ecoquest Fresh Air
My EcoQuest Fresh Air Machine

A few years ago I meet Buck and Trish Robey and found them to be very professional, passionate people about a product called Fresh Air. They talked about it eliminating smoke odor and tobacco smoke. How it removed odor from your home, office, car, boat, RV, etc. That it improved the quality of your air indoors up to 3000 ft. I couldn’t believe that this machine sanitized the air, your bathroom, freshened your bedding, deodorized your clothes and closet, sanitized your kitchen, freshened your car or garage. It was so hard for me to believe this.

Well, I had to try it out and 4 years later it is still doing what Buck and Trish told me it would do. I can’t explain to you how it makes the air in my house feel. I just know when I walk through my door after being out all day, the house smells so fresh and clean. Gene and I always keep a cold and we haven’t for some time had the colds we use to have. 

Last year after watching Gene’s office employees get cold after cold all winter long, I decided that J. B. Moore Electrical needed one of these fanastic machines. Now that office is fresh smelling and I know that there will be less colds and sickness in that office. I believe in this machine that passionately.

I can’t keep my Fresh Air in my home.  Right now my daughter has it.  She had some painting done in her house and she borrowed the fresh Air from me.  She kept it after her husband tried to clean out the chimney flue one day and it smoked up her den and left a woodsy smell. 

I use it all the time with seller’s who have smells in their home; pet, dampness, baby smells, cooking smells, etc.  A buyers likes to come into a home and want to stay and look around; not be hit with different smells inside the house.  The Fresh Air has such a fresh, clean smell that the air in the room feels light and clean.

You will love this machine just as much as I do; just give one a try. Call Buck or Trish Robey and they will bring one to your house, your office and let you try it out. I think it will be one of the best investments you have ever made.

Buck and Trish Robey – 434-248-5519 – www.purelivingsolutionsllc.com Give them a call today!

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What Renovations Can I Do To Help Sale My House?

Friday, February 5th, 2010

Adding Value to My Home for Not A Lot of Dough!

 

Many sellers ask me what they can do to their homes to help sell them.  When a person is getting ready to sell their home, most of the time they do not want to invest a lot of money into these renovations.  Here are a few things a seller can do that would only cost approximately $1000  or less.

Three rooms that most buyers look out when viewing a home that they are thinking about buying are the kitchen, the bathrooms, and the bedrooms. 

In the kitchen, the flooring is something that takes a continual beating.  You can consider the options of hardwood, bamboo, ceramic, vinyl and linoleum to spruce up your kitchen floor.  You would be surprised how a new kitchen floors makes a kitchen come alive.  Another idea would to replace a dishwasher with a newer, more economical one.  Something that I think spruces up a old sink is a new faucet.  One of my past clients changed their gold faucet to a brushed nickel one and boy what a difference it made in that kitchen.  Just such a simple thing to do and not expensive at all.

Now what about your bathroom; old dated tub or tile color?  These can be refinished with a neutral color and bring great returns to you as a seller.  What about a coat of paint or an in-stock replacement for your vanity cabinet?  Or if your cabinets are in good shape, maybe replace the top with granite and an under-mounted sink.  And once again, don’t forget the new bathroom faucets. 

Buyers are always looking in your closets in your bedroom.  The best thing to do here is clean them out and declutter them.  Maybe buy a new organizing system or by using shelves with bins and organizers.  A neat closet shows that space is not a problem.   How about adding a ceiling fan or replacing an old one with a new modern one.

I hope you have enjoyed these idea and will pass them on.

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Real Property and Personal Property

Thursday, February 4th, 2010

Do you know the difference between real property and personal property?

 

Property refers to an aggregate or “bundle” of rights that a person has in a tangible item.  The items are not as important as the rights a person has in those items.  These rights include the use of the item, whether they want to sell the item, or destroy the item and if they decide to give the item away. 

 Property items are understood easily when you are talking about a car, book, or home.   A person can own something that is related only indirectly to a tangible item – like a lease.  If you rent a commercial building, you have the right to occupy the space. The right itself is intangible. Property is also used to refer the rights a person has independently of anything tangible; ie, contracts, trademarks, copyrights and patents. 

Land is considered REAL PROPERTY or real estate.  Land is an important form of wealth.  A person who owned a great deal of property was considered very rich according to the history of England and American. 

PERSONAL PROPERTY is  considered movable and is usually transferred by a bill of sale.  Some historically items of personal property would include cattle, farm equipment, and the tool’s of a person’s trade.  Today intangible forms of wealth would be fanchises or shareholder’s interest in a company by shares of stock.

Confusion occurs when a home or business is sold.  It is very important that items are listed in an addendum as to what is to remain in the home.  A buyer looks at the purchase of a property differently then the seller.  A stove, refrigerator, storm windows, ceiling fans, or maybe a microwave to a buyer are parts of a home.  A seller maybe thinking about these items to go with them to another home or they maybe thinking about selling certain items.  These things need to be addressed at contract.

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Virginia Homeowners Alliance

Thursday, February 4th, 2010

Informing Virginia Homeowners about Government Action

 

The Virginia Homeowners Alliance informs Virginia homeowners about government action that affects the value of real estate in the Commonwealth. It’s a free service for homeowners from Virginia’s Realtors, who want to stand with you to ensure that your property values aren’t negatively affected by government decisions at the General Assembly, Board of Supervisors, or City Hall.

You can read YOUR VIRGINIA newsletter six times per year and visit VAHomeownersAlliance.com every day to stay informed about state and local issues that affect your property values and homeowner rights.

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Tax Tips: Eight Facts About Filing Status

Monday, February 1st, 2010

From Internal Revenue Service

 

Everyone who files a federal tax return must determine which filing status applies to them. It’s important you choose your correct filing status as it determines your standard deduction, the amount of tax you owe and ultimately, any refund owed to you.

Here are eight facts about the five filing status options the IRS wants you to know in order to choose the correct filing status for your situation.

  1. Your marital status on the last day of the year determines your marital status for the entire year.
  2. If more than one filing status applies to you, choose the one that gives you the lowest tax obligation.
  3. Single filing status generally applies to anyone who is unmarried, divorced or legally separated according to state law.
  4. A married couple may file a joint return together. The couple’s filing status would be Married Filing Jointly.
  5. If your spouse died during the year and you did not remarry during 2009, you may still file a joint return with that spouse for the year of death, provided the joint return election is not revoked by a personal representative for the deceased spouse.
  6. A married couple may elect to file their returns separately. Each person’s filing status would generally be Married Filing Separately.
  7. Head of Household generally applies to taxpayers who are unmarried. You must also have paid more than half the cost of maintaining a home for you and a qualifying person to qualify for this filing status.
  8. You may be able to choose Qualifying Widow(er) with Dependent Child as your filing status if your spouse died during 2007 or 2008, you have a dependent child and you meet certain other conditions.

There’s much more information about determining your filing status in Publication 501, Exemptions, Standard Deduction, and Filing Information. Publication 501 is also available by calling 800-TAX-FORM (800-829-3676).

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For Sale in Cedar Rock Subdivision – Forest Virginia

Tuesday, January 26th, 2010

1041 Cedar Sky Court – $349,950  – Great Mountain Views!

This home is being offered for Sale by Real Living Cornerstone. You can view this listing by calling Brenda Moore, Realtor, at 434-258-7670. We look forward to working with you as your buyer’s agent.

Beautiful Brick Classic Colonial with hip roof on 2.240 acre lot features.

  • 4 large bedrooms
  • 3 baths – 2 full, 1 half
  • 2816 sq ft with a full unfinished basement for more expansion
  • hardwood floors on the first floor
  • Custom kitchen cabinets and granite countertops
  • 3 season porch and grilling deck
  • Oversized 2 car garage
  • Paved driveway with turnaround
  • Master suite with soaking tub, double sinks, separate water closet, large shower
  • Walk-in closet
  • Gas log in fireplace in family room
  • Home Warranty for buyer’s peace of mind.
  • 3 years heat/ac contract remaining on maintenance

Directions: Thomas Jefferson Road to Everett Road, right on Cedar Rock to right on Cedar Sky. Home on right.

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