Low or No Credit Mortgages
No or Low Credit Loans: NACA: Credit Score Not Considered, Below Market Rates in Some Cases, No Down Payment, No Closing Costs, But w...
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Adam Garrett
Aug 21 min read
Income, Asset, & Rent Limits for Home Buying & Renting Programs to Reduce Costs in SE VA
Many seek to save and increase their income before buying a home, and many fail to realize that the most lucrative programs to reduce...
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Adam Garrett
Jul 204 min read
Homeless Resources
Below is a list of resources from various locations for those who are homeless or who are facing the threat of homelessness: How to Avoid...
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Adam Garrett
Jul 181 min read
Free Acquisitions for Your Home
All images courtesy Freecycle Whether you're a 1st-time buyer looking to save money, moving here from another country and trying to cut...
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Adam Garrett
Jul 1712 min read
Boosting Credit for Mortgages
While there are some exceptions, your credit score has a very high impact on most mortgages. Prior to taking out a mortgage, get educated...
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Adam Garrett
May 291 min read
Homestead Exemptions on Real Estate in VA vs Other States
Image courtesy World Population Review VA Main Homestead Provisions: Additional VA Homestead Related Provisions Mentioned in 1st Sentence...
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Adam Garrett
May 171 min read
Tax Relief & Deferral on the Virginia Peninsula of SE VA
Above: Image by Adam (not nearly how much money it looks to be, FYI) #s below are from 2024 Real Estate Tax Relief/Deferral South Side...
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Adam Garrett
May 171 min read
Military Resources, Freebies & Discounts w/ SE VA PCS Integration
Image by Adam at Langley AFB Related: Free Things to Do in & Around Virginia American Legion Overarching Related: Area Guide Seller's...
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Adam Garrett
May 31 min read
MyHousingSearch.com: Lowest Price Rental Search in 30+ States for Low Income, Section 8, Disabled, 50+, Homeless, & Veterans
One of the best options available for those seeking a low price on a rental (as low as free, as in examples above) is...
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Adam Garrett
Apr 111 min read
Where to Find Home Price Area Differences
Related: House Buyer Guide Seller Guide Landlords & Tenants Homeowner Resources The Importance of Choosing a Great Buyer's Agent What to...
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Adam Garrett
Apr 71 min read
Will My Home Owned Count Against Me for Supplemental Security Income (SSI), SSDI, Medicaid, Section 8, or Other Benefits?
In many cases, a home you own often won't count against you for a variety of supplemental support. That said, there are some cases when...
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Adam Garrett
Apr 68 min read
Why Should Sellers Avoid Offering Low or No Buyer's Agent Commission?
Image courtesy Housingwire Did you know that it's possible as a seller being represented by a listing agent (or a seller representing...
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Adam Garrett
Apr 61 min read
Is New Construction Ever a "Deal"?
Image by American Real Estate Photography at a former listing of Adam's where the owners used a kit to build it. Related Credit &...
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Adam Garrett
Apr 11 min read
Housing Choice Voucher Homeownership Program (via Section 8 Subsidies) in SE VA & US
Did you know that monthly section 8 subsidies are available for home purchases in some localities? Eligibility/Requirements for...
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Adam Garrett
Mar 241 min read
Free Things to Do in & Around Virginia
In this article, I share my map of over 1500 free things to do in & around Virginia, with a small % of those #s even around the globe....
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Adam Garrett
Feb 241 min read
Assumptions
A typical assumption in real estate is where a buyer assumes a seller's loan at the time of sale, often at a lower interest rate than the...
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Adam Garrett
Jan 31 min read
Factors Impacting Supply & Demand on Real Estate That Influence Prices
Above: Richmond - Image by Author Factors Affecting Real Estate Supply and Demand Quotes in this section as well are from Moseley Real...
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Adam Garrett
Dec 13, 20231 min read
Realtor.com Value Projections for Top 100 US Metros in 2024
Realtor.com has come out with market forecasts for 2024. The results are good for Hampton Roads, ranked #16 out of the 100 largest U.S....
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Adam Garrett
Sep 19, 20231 min read
Condo Finances
Above: image from a former condo listing of Adam's - image by Adam In this article, I wanted to go over some of the differences between...
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Adam Garrett
Sep 13, 20231 min read
Effectively Transitioning Your Budget Following Increased Income
In any case where you're getting a higher level of income than you had before, whether you're getting a raise affiliated with a promotion...
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