Bob Hummer, Realtor

Helping Home Buyers and Home Sellers Reach Their Goal Associate Broker Coldwell Banker Residential Brokerage Licensed in the Commonwealth of Virginia

Operating as usual

betterhomeowners.com

Deferred Interest Loans

Zero interest sounds attractive when trying to purchase personal property but the penalties for missed payments can be brutal and can affect your credit.

betterhomeowners.com It is common among deferred-interest loans that if there is an outstanding balance at the end of the 0% introductory period, retroactive interest based on the original loan amount is applied.

betterhomeowners.com

Need It Test

Put a date on the box and you may be surprised how long you keep it before it goes to Goodwill.

betterhomeowners.com If you're reluctant to get rid of items cluttering your home, try this simple test to prove to yourself you don't really need them.

betterhomeowners.com

Alternative Investments

For most owners, a home represents their largest financial asset. That familiarity becomes a natural bridge to decide to invest in rental property rather than something they are less familiar.

betterhomeowners.com Rental homes provide an alternative to the volatile stock market that many investors find they have more control and a better understanding.

betterhomeowners.com

6 Mistakes to Avoid

This should be one of the best times of your life and we'd like to help you with it.

betterhomeowners.com Avoiding these common mistakes can make buying your first home go much more smoothly.

betterhomeowners.com

Homeowner Equity

Low mortgage rates and low inventory helped to drive home prices and increase homeowner equity.

betterhomeowners.com Homeowner equity is up by 6.6% while 310,000 homes no longer owe more than they are worth.

betterhomeowners.com

Who is This?

This sounds like someone who is really concerned about your best interests.

betterhomeowners.com This sounds like someone who is really concerned about your best interests.

betterhomeowners.com

Wholesale or Retail

To realize the maxim amount of your equity, get all the facts first.

betterhomeowners.com iBuyers may "take the hassle" out of selling a home but only if they buy your home at wholesale so they can make a profit.

betterhomeowners.com

Smart Sprinkler Controller

This device really does save time and money while being fun to operate.

betterhomeowners.com Today, there are so many smart home devices that are not only convenient, but they'll end up saving enough money to pay for the upgrade and a sprinkler controller is one of them.

betterhomeowners.com

Poorly Fitting Door

Your mother warned you about trying to heat or cool the outside.

betterhomeowners.com Up to 30% of a home's heating and cooling costs can be lost through a poorly fitting door.

betterhomeowners.com

Primary Mortgage Market Survey

Notice that a fixed-rate 30-year loan is lower than the adjustable rate mortgage.

betterhomeowners.com Mortgage rates are 1/100 of a point of their all time low.

betterhomeowners.com

Worry

betterhomeowners.com "Worry is like a rocking chair; it give you something to do but doesn't get you anywhere."

betterhomeowners.com

Hanging a Picture

There are some interesting picture hanging tools you can buy at the big box stores.

betterhomeowners.com Following these tips can make hanging a picture a much easier task and help it to look the way it should.

betterhomeowners.com

How Does It Measure Up?

Ask the source of the square footage quoted and if there are other sources that have a different amount.

betterhomeowners.com If you're going to use square footage to help determine the value of a home, you're going to want to know where the amount came from.

betterhomeowners.com

Missed Payment

35% of your FICO score depends on payment history and a single missed payment can adversely affect that score.

betterhomeowners.com Four out of ten Americans don't know that a missed payment hurts their credit score.

betterhomeowners.com

Leave a Key

Your home doesn't have to be for sale to use a key safe.

betterhomeowners.com Hiding a key under the mat to allow someone to come into your home may be convenient but it certainly is not safe and secure.

betterhomeowners.com

Placing the tenant

There are tenant screen services that can provide credit, criminal and eviction reports.

betterhomeowners.com A completed application and verifications are important to evaluating the right tenant for your rental property.

betterhomeowners.com

Working with Builders in 2020

Ask your agent about their experience working with builders.

betterhomeowners.com Working with a builder is different from buying a new car or working with an individual seller.

betterhomeowners.com

It's Worth Digging a Little Deeper

Instead of relying on second hand information, spend some time with a real estate professional who can give you the facts.

betterhomeowners.com Surprisingly, there are many who can buy a home in today's market but have gotten some bad information along the way. It's worth digging a little deeper to find out the facts.

betterhomeowners.com

Homeowner Basics - Garage Door

Reconnect the opener after you leave to secure the door and so it will work when the power comes back on.

betterhomeowners.com When the power is out and your electric garage door won't open, pull the cord hanging from the middle of the track close to the door.

betterhomeowners.com

Safe Road Trip Covid-19

Have fun, enjoy yourself and BE SAFE!

betterhomeowners.com Taking a trip during a pandemic requires a little more planning.

betterhomeowners.com

Grilling Safety

Close to 20,000 patients per year visit the emergency room due to injuries involving grills.

betterhomeowners.com The Labor Day weekend marks one of the last outdoor grilling events of the summer season and while you're enjoying it, pay attention to avoid injuries.

betterhomeowners.com

Protect your ATM card

If you become a victim of identity theft, contact your bank immediately and ask about possible protection.

betterhomeowners.com Since cash is being discouraged at most places, it is good to pay attention to safeguard precautions.

betterhomeowners.com

Low Down Payment Mortgage Options

If you're confused by too many options, let's talk.

betterhomeowners.com There are a variety of mortgage programs with low down payment options available to home buyers.

betterhomeowners.com

Changing the World

betterhomeowners.com "Everyone things of changing the world, but no one things of changing himself." Leo Tolstoy

betterhomeowners.com

Check Insulation

This could be a DIY project and some stores will loan the blower to you if you buy the insulation from them.

betterhomeowners.com Insulation can compact over time and become less effective. Adding new insulation can save energy costs while making the home more comfortable.

betterhomeowners.com

Forbearance is Not Forgiveness

Once the lender grants approval, it is important for the borrower to get the terms of the forbearance agreement in writing to be clear about when the payments will resume and how the missed payments will be recovered.

betterhomeowners.com Forbearance is a temporary postponement of mortgage payments.

betterhomeowners.com

Testing the Market

If a home is priced right in the beginning, especially while there is low inventory, competition can drive the price above list price.

betterhomeowners.com Testing the market is code for "let's put an artificially high price on the home to see if someone will pay more than it is worth."

betterhomeowners.com

Moving Stats

Our busy market will extend into the fall beyond Labor Day due to the pandemic.

betterhomeowners.com Interesting statistics about American moving habits.

betterhomeowners.com

Costly Insurance Mistakes

Having a one-on-one conversation with your insurance agent can increase your understanding and possibly, avoid unpleasant situations later down the road.

betterhomeowners.com Underinsuring a home can cost you money when filing a claim as well as not knowing what items are covered and what are not.

betterhomeowners.com

Bad haircut

It is not so much of being able to sell the home yourself, it is realizing the maximum amount of equity.

betterhomeowners.com A bad haircut will grow back and is short-lived but the effects of selling a home "by owner" could be long-term.

betterhomeowners.com

Building a Pool Is Just the Beginning

Pools are enjoyable whether you're in them, admiring them or watching someone else have fun.

betterhomeowners.com During the first major stay-at-home event that most of us have ever experienced in this country, a pool can give you and your family enjoyable recreation without leaving the home but there are expenses that may be surprising to the non-pool owner.

betterhomeowners.com

DIY Shower Cleaner

Using a dish scrubber with a soap dispenser could make it convenient.

betterhomeowners.com This easy to make and use mixture will give you spotless shower glass.

betterhomeowners.com

Refinance Fee

If you're in the process of refinancing currently, see if you can close before this goes into effect.

betterhomeowners.com Beginning September 1, 2020, Fannie Mae and Freddie Mac, will impose a 0.5% fee for homeowners who refinance a mortgage currently backed by them.

betterhomeowners.com

True Test of Integrity

Consistency is the choice we make daily.

betterhomeowners.com The true test of integrity is to still do the right thing...even when no one can ever find out.

betterhomeowners.com

Paint front door

Some people may never want to see the inside based on what the outside looks like.

betterhomeowners.com Paint the front door a distinctive color to improve your home's drive-up appeal.

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Location

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Address


12731 Marblestone Dr, Suite 103
Woodbridge, VA
22192

Opening Hours

Monday 09:00 - 17:00
Tuesday 09:00 - 17:00
Wednesday 09:00 - 17:00
Thursday 09:00 - 17:00
Friday 09:00 - 17:00
Saturday 09:00 - 17:00
Sunday 09:00 - 17:00
Other Mortgage Brokers in Woodbridge (show all)
Brittney Draghia, Realtor Brittney Draghia, Realtor
Woodbridge

A realtor who is passionate about family, serving her community, and assisting anyone in need. Service areas include Woodbridge, Dumfries, Lorton, Manassas Va, and surrounding areas.

Virginia First Time Home Buyer Virginia First Time Home Buyer
13580 Groupe Dr
Woodbridge, 22192

Virginia First Time Home Buyer

John Csoka - Loan Officer Extraordinaire NMLS #212307 John Csoka - Loan Officer Extraordinaire NMLS #212307
3202 Old Bridge Rd.
Woodbridge, 22192

While I have over 25 years of all residential lending programs, this page is dedicated to my ability to help veterans. No team is more qualified to help those that have served our country. We can approve loans down to a 500 credit score!

Helping Hands Virtual Assistants Helping Hands Virtual Assistants
Woodbridge, 22191

We are here to assist you and your team so you can be more productive! Let us help you!

TMH Global Credit Repair TMH Global Credit Repair
1346 Old Bridge Rd Ste 201
Woodbridge, 22192

A suite of services to protects a families Credit Finances Assets and Future.

Mortgage Alliance - Tina Trama-Mayol & Team Mortgage Alliance - Tina Trama-Mayol & Team
8611 Weston Rd Unit #16
Woodbridge, 22192

Our team provides unparalleled choice, convenience and counsel. When you use the RIGHTBroker®, you get the RIGHTMortgage® FSCO Lic#10530

Susan Qura - Buckingham Mortgage NMLS : 1709762 Susan Qura - Buckingham Mortgage NMLS : 1709762
1593 Spring Hill Rd #100
Woodbridge, 22182

Susan Qura Mortgage Loan Officer [email protected] www.bfgusa.com 703 986 7035

David Bridges at First Heritage Mortgage David Bridges at First Heritage Mortgage
12701 Marblestone Drive Suite 110
Woodbridge, 22192

David Bridges | NMLS ID #222490 First Heritage Mortgage, LLC is an Equal Housing Lender Company NMLS ID #86548 | Woodbridge Branch NMLS ID #920806 (www.nmlsconsumeraccess.org)

Eric Wigren with FitzGerald Financial Group Eric Wigren with FitzGerald Financial Group
4008 Genesee Place
Woodbridge, 22192

Equal Housing Lender Company NMLS #512138

Silvana Abdale, Jevana Homes Group Silvana Abdale, Jevana Homes Group
4500 Pond Way
Woodbridge, 22192

Your dedicated and loyal Northern Va Realtor, partner of Jevana Homes Group at Samson Properties. I will protect your interests and deliver outstanding customer service. Helping my community buy, sell and invest in their most valuable purchase.

George Mason Mortgage LLC - Lake Ridge, Virginia Branch George Mason Mortgage LLC - Lake Ridge, Virginia Branch
2750 Killarney Drive, Lakepoint One, Suite 105
Woodbridge, 22192

George Mason Mortgage LLC - Lake Ridge, Virginia Branch - Serving all of your mortgage financing needs

Greg Rodriguez Greg Rodriguez
12700 Black Forest Ln
Woodbridge, 22192

FitzGerald Finanical

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