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

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. 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.

Need It Test

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

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

6 Mistakes to Avoid

This should be one of the best times of your life and we'd like to help you with it. Avoiding these common mistakes can make buying your first home go much more smoothly.

Homeowner Equity

Low mortgage rates and low inventory helped to drive home prices and increase homeowner equity. Homeowner equity is up by 6.6% while 310,000 homes no longer owe more than they are worth.

Who is This?

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

Wholesale or Retail

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

Smart Sprinkler Controller

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

Poorly Fitting Door

Your mother warned you about trying to heat or cool the outside. Up to 30% of a home's heating and cooling costs can be lost through a poorly fitting door.

Primary Mortgage Market Survey

Notice that a fixed-rate 30-year loan is lower than the adjustable rate mortgage. Mortgage rates are 1/100 of a point of their all time low.

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

Hanging a Picture

There are some interesting picture hanging tools you can buy at the big box stores. Following these tips can make hanging a picture a much easier task and help it to look the way it should.

How Does It Measure Up?

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

Missed Payment

35% of your FICO score depends on payment history and a single missed payment can adversely affect that score. Four out of ten Americans don't know that a missed payment hurts their credit score.

Leave a Key

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

Placing the tenant

There are tenant screen services that can provide credit, criminal and eviction reports. A completed application and verifications are important to evaluating the right tenant for your rental property.

Working with Builders in 2020

Ask your agent about their experience working with builders. Working with a builder is different from buying a new car or working with an individual seller.

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. 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.

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. 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.

Safe Road Trip Covid-19

Have fun, enjoy yourself and BE SAFE! Taking a trip during a pandemic requires a little more planning.

Grilling Safety

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

Protect your ATM card

If you become a victim of identity theft, contact your bank immediately and ask about possible protection. Since cash is being discouraged at most places, it is good to pay attention to safeguard precautions.

Low Down Payment Mortgage Options

If you're confused by too many options, let's talk. There are a variety of mortgage programs with low down payment options available to home buyers.

Changing the World "Everyone things of changing the world, but no one things of changing himself." Leo Tolstoy

Check Insulation

This could be a DIY project and some stores will loan the blower to you if you buy the insulation from them. Insulation can compact over time and become less effective. Adding new insulation can save energy costs while making the home more comfortable.

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. Forbearance is a temporary postponement of mortgage payments.

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. 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."

Moving Stats

Our busy market will extend into the fall beyond Labor Day due to the pandemic. Interesting statistics about American moving habits.

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

Bad haircut

It is not so much of being able to sell the home yourself, it is realizing the maximum amount of equity. A bad haircut will grow back and is short-lived but the effects of selling a home "by owner" could be long-term.

Building a Pool Is Just the Beginning

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

DIY Shower Cleaner

Using a dish scrubber with a soap dispenser could make it convenient. This easy to make and use mixture will give you spotless shower glass.

Refinance Fee

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

True Test of Integrity

Consistency is the choice we make daily. The true test of integrity is to still do the right thing...even when no one can ever find out.

Paint front door

Some people may never want to see the inside based on what the outside looks like. Paint the front door a distinctive color to improve your home's drive-up appeal.

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12731 Marblestone Dr, Suite 103
Woodbridge, VA

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

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.

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John Csoka - Loan Officer Extraordinaire NMLS #212307 John Csoka - Loan Officer Extraordinaire NMLS #212307
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We are here to assist you and your team so you can be more productive! Let us help you!

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Mortgage Alliance - Tina Trama-Mayol & Team Mortgage Alliance - Tina Trama-Mayol & Team
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Susan Qura - Buckingham Mortgage NMLS : 1709762 Susan Qura - Buckingham Mortgage NMLS : 1709762
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David Bridges at First Heritage Mortgage David Bridges at First Heritage Mortgage
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Eric Wigren with FitzGerald Financial Group Eric Wigren with FitzGerald Financial Group
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Silvana Abdale, Jevana Homes Group Silvana Abdale, Jevana Homes Group
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Greg Rodriguez Greg Rodriguez
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Woodbridge, 22192

FitzGerald Finanical

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