BlogBuyersBuying Luxury HomesNeed More Space November 14, 2019

Customize Your Dream Home: Luxury New Construction

The allure of being able to customize your dream home is undeniable. Just like sliding into a jacket tailored to your exact measurements or receiving a gift with your initials monogrammed on it–being able to truly put your own finishing touches on a luxury home is a dream come true. We have three luxury new construction listings that are ready and waiting for their new owner to customize and create!

BlogCommunitiesElite News September 19, 2019

Nick Calamos, CCIM Sells Roxbury Farm & Garden Center for $3.75M

Congratulations to our awesome agent Nick Calamos, CCIM for helping the Rappahannock Area Community Services Board buy the Roxbury Farm & Garden Center property on the corner of Jackson Street and Lafayette Street. We are so proud of Nick’s hard work and dedication to his clients to make this sale happen! We couldn’t think of a better new owner for such a prominent property than the RACSB! The Rappahannock Area Community Services Board is dedicated to education, recovery, treatment, and wellness of Fredericksburg residents affected by mental health and substance use disorders and developmental disabilities.

roxbury farm sold fredericksburg RACSB nick calamos jane yaun

Jane Yaun, Executive Director of the RACSB, and Nick Calamos, CCIM

Once a Fredericksburg institution, Roxbury Farm & Garden Center closed down earlier this summer after operating as a feed and garden supply store for 90 years. Although many in the community are grieving the loss of the long-time garden center, Nick Calamos says that the RACSB will be attempting to preserve the property as much as possible, “They’re planning to keep the mural on the side of the building and possibly all or part of one of the buildings will be incorporated into the new buildings.”

Nick Calamos has worked with Jane Yaun, Executive Director of the RACSB, on numerous projects. When the opportunity presented itself in February after Roxbury decided to close their doors, RACSB decided to pursue the purchase. Nick’s favorite part of the transaction was being able to help the RACSB move quickly to decide on and carry out a strategy to out-maneuver the other buyers and agents trying to gain control of the property.

We asked Nick for more insider info about the future of the property and he said “RACSB hasn’t fully decided yet. The new land offers an opportunity to grow RACSB’s horticulture services and to create employment for adults with disabilities.  Jane Yaun and the Rappahannock Area Community Services Board hopes to establish new services that are not currently available in the community. They have been studying various programs across the country. The agency’s administration could also move out of its current location at 600 Jackson Street, giving room for clinical services to grow in that location.”

Congratulations again to Jane Yaun and the RACSB on their purchase of the former Roxbury Farm property and we wish them best of luck on their expansion! Thank you to Nick Calamos for representing RACSB in this transaction and helping to connect the seller and buyer!

BlogBuyersFirst-Time Home Buyers September 12, 2019

What Are Closing Costs?

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Closing costs are one of the main things we hear buyers are confused about during the offer-writing process. Here’s some general info on what closing costs include so that you’ll be ready when the time comes!

What Are Closing Costs?

Closing costs are fees paid when you refinance or transfer ownership in real property. They are paid (usually) by both the buyer and the seller on the settlement date. These fees are highly variable, due to many factors including the property’s purchase price, services needed during the purchase process, utility adjustments and local and state taxes. Generally, closing costs range anywhere from 2% to 5% of a property’s selling price. Talk to your lender before making an offer about closing cost estimates so that you can adjust your offer accordingly!
 
By law, lenders are required to give you a loan estimate within three days of receiving your application. This document sets out what your closing costs will be. These fees, however, are not set in stone. Your lender should provide a closing disclosure statement at least three business days before the closing date which will be a more reliable estimate of your closing costs. Make sure you read and understand this closing disclosure and ask your lender if there are any significant changes from the initial estimate you received!

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What’s Included?

Everyone’s closing costs will be different depending on their own transaction so take any “helpful advice” from parents or friends with a grain of salt. Some examples of typical costs include:
  • Credit report fees (the cost of checking your credit record)
  • Loan origination fees (which consists of the cost to your lender for processing your loan)
  • Attorney fees
  • Inspection fees (for inspections requested by either you or the lender)
  • Appraisal fee
  • Survey fee (so that both you and the lender know where your property boundaries lie)
  • Escrow deposit which may cover private mortgage insurance and some property taxes
  • Pest inspection fee
  • Recording fee paid to a county or city authority to file a record of the property transfer and/or new mortgage lien against the property
  • Underwriting fee to cover the cost of processing a loan application
  • Discount points (money you pay your lender to get a lower interest rate)
  • Title insurance (protection for you and the lender should there be any issues with title to the property)
  • Title search fees (costs incurred by the company who checks the title on the property)

Can I Add my Closing Costs to the Loan?

Most loan programs will allow for a percentage of the purchase price to go towards closing costs. You can either ask for a seller credit or a lender credit towards the closing costs. Asking for a seller credit is more appealing to the seller if you offer a higher purchase price–the seller won’t lose any money and you can use the seller credit towards the closing costs. In this scenario, what you’re doing is financing your closing costs over the life of the loan.
 
With a lender credit, you agree to a higher interest rate so that the lender will pay some of the closing costs. You can potentially get a lender credit of $2,000 to $4,000–a nice chunk of change! Keep in mind, however, that you’ll eventually pay more over the life of the loan than if you had just paid upfront!
 

What Can I Expect?

Before the big day, pull together any paperwork and keep it on hand for easy reference. Be prepared to take your time reading through all of the closing documents. Make sure you completely understand all of the terms you’re agreeing to. If some of the terms are missing or incomplete, don’t sign until they’re fixed.
 
Your lender will send money to the closing agent via a wire transfer and may require that you set up a new escrow account with them to pay your property taxes and homeowners insurance together with your monthly mortgage payment. You should be advised before closing day how much money you’ll need to have for closing, but bring your checkbook with you to cover any incidental closing costs.

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Keep reading for more about buying your first home:

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BlogBuyersFirst-Time Home Buyers September 4, 2019

How Much Money Do I Need To Save To Buy A House?

Exactly how much cash do you need to have on hand when buying a home? We’re going to dive into how much money you really need to save up to afford a house, the hidden expenses you may not have planned for and some tips for how to find your perfect house budget!

BlogBuyersBuying Luxury HomesFirst-Time Home BuyersNeed More Space July 24, 2019

6 Luxury Waterfront Listings We’re Loving This Summer

Owning a waterfront luxury home is a dream for many buyers and we’re excited to show off SIX of our waterfront Global Luxury homes!

BlogCommunitiesElite NewsEventsSeasons July 8, 2019

Dog Days of Summer

Summer is an awesome time to explore the great outdoors with man’s best friend! Unfortunately, the high temps can really put a damper on summer fun. Here are a few ways you can make sure that Fido stays safe and cool in the dog days of summer!

BlogBuyersBuying Luxury HomesFirst-Time Home BuyersNeed More Space June 24, 2019

Home How-To: Housewarming Parties

The origin of the housewarming party is unclear–some say it’s rooted in the medieval tradition of literally warming the house with the community bringing gifts of firewood, while others say it stems from the idea of lighting a candle on the first night to ward off evil spirits.

BlogDownsizingFirst-Time Home SellersSellersSelling Luxury HomesSelling Your Rental May 8, 2019

How to Spiff Up Your Home for Showings

Is your home ready to make the best possible impression on prospective buyers? Let’s look at the best ways to get your home in ship-shape for selling season!

BlogBuyersBuying Luxury HomesDownsizingFirst-Time Home BuyersFirst-Time Home SellersNeed More SpaceSellersSelling Luxury HomesSelling Your Rental April 30, 2019

Avoiding Common Moving Day Mishaps

Moving is undoubtedly stressful, but the right preparations can make it easier. When picking your moving day, take some time off for the family in the months before or after summer when rates are low. Have some extra buffer time to make sure the adjustment goes smoothly for everyone. When it comes to organization, a good cleanout can make all the difference before it is time to pack. Communicate with your movers about how to handle delicate and valuable items, and make sure everything is clearly labeled to make unpacking the house easier for all.

BlogColdwell BankerElite NewsEvents April 17, 2019

Coldwell Banker Elite Awards Gala 2019

Every year, we look forward to celebrating and honoring those agents who have put a tremendous amount of time and effort into their business, as well as those who have gone above and beyond for the good of the company and their community. We are SO proud to once again be the #1 Coldwell Banker Affiliate in Virginia and #1 in Fredericksburg Region market share!  

awards ceremony company achievements #1 in virginia residential commercial #1 in fredericksburg region market share coldwell banker chairman's circle

This year we were delighted to present Valerie Garcia as our keynote speaker at the Fredericksburg Expo Center! After Valerie’s insightful words on storytelling in the digital age, our agents and staff were fired up to receive their awards! 

Valerie Garcia Keynote Speaker

Congratulations again to the award winners and to all of our wonderful agents and staff! We are immensely proud of your commitment to excellence, integrity and ingenuity! Without further ado, here’s the list of all the winners!

Coldwell Banker International Sterling Society

Eric Nelson, Vera Boujaoude, Lynne Harris, Pam Downing, Pat Herman, Laura Hough, Jacquelyn Johnston, Greg Lantier, Linda Light, Valerie Moss, Karen Nutt, Sarah Keddie, Brian Cunningham, Carla Criscuolo, Robin Marine, and Shelley Johnson

Coldwell Banker International Sterling Society Team

The Edmisten-Buck Team

Coldwell Banker International Diamond Society

Paul Janney, Heather O’Neill, Bethany Kelley, G Brown, Jennifer Caison, Heather Ferris, Teresa Davis, Tom Smith, Dan Goad and Amanda Elrod

Coldwell Banker International Diamond Society Team

The Love-Smith Team

The Love-Smith Team and Kelly Walker

Coldwell Banker International President’s Circle

Relda Schick, Anna Lee, Melissa Stewart, Doreen Boggs, Catherine Rubio, Sid Sorenson

Coldwell Banker International President’s Elite

Charlotte Rouse

Coldwell Banker International President’s Elite Team

The Give Back Team

The Give Back Team and Kevin and Kate Breen Ginger Walker AJ Lall

Coldwell Banker Elite Top Sales Agents

#1 Charlotte Rouse, #2 Doreen Boggs, #3 Catherine Rubio

Coldwell Banker Elite Top Sales Teams

#1 The Give Back Team, #2 The Love Smith Team, #3 The Edmisten-Buck Team

Coldwell Banker Elite Top Commercial Sales

#1 in Virginia & Top 2% in the US Brian Cunningham

Coldwell Banker Commercial Elite Brian Cunningham Donny Self Ben Keddie Peggy Thwing Joye Marsh

Top Relocation Awards

Best Overall Conversion: Ruthie Buck, Highest Overall Service Evaluation Scores: Jennifer Caison

Coldwell Banker Elite Above & Beyond Awards

Eva Acevedo, Karen Nutt, Drew Fristoe, Garlene Daniel, The Green Team, Relda Schick, Peggy Thwing, Mary Jane Dimino, Samantha Weissman and Sarah Hurst

Coldwell Banker Elite Manager of the Year

Kelly Walker–Stafford Office

Coldwell Banker Elite Stafford Office Group Picture

Coldwell Banker Elite Rookie of the Year

Sarah Hurst — Spotsylvania Office

Coldwell Banker Employees of the Year

Jamie Batten & Poppy Merrell

Coldwell Banker Elite True Blue (5 Years with Coldwell Banker Elite)

Delaney Bailey, Mary Bechtold, Carl Braun, Ruthie Buck, JR Burdette, Brian Cunningham, Jeff Edmisten, Jonathan Gardner, Lisa Fanucci-Dario, Arlene Gettlin, Suzanne Godin, Kelly Gronau-Dodson, Benita Kay, Ben Keddie, Greg Lantier, Carol Libbon, Joye Marsh, Bruce Mork, Kristin Rosser, Relda Schick, David Newman, Charles Ostlund, Donny Self, Niki Smith, Peggy Thwing

50 Years of Real Estate Service

Nick Calamos

Emerald Club

Doreen Boggs, Jennifer Caison, Teresa Davis, Heather Ferris, Bethany Kelley, Charlotte Rouse, Catherine Rubio, Sid Sorenson, Edmisten-Buck Team, Love-Smith Team, The Give Back Team, Brian Cunningham