Monday, May 22, 2017

Prom Style: Sage Edition!










 A couple of weeks ago Sage tells me she is going to prom. She is just a sophomore so I was a bit concerned--- but quickly that changed when she told me she was going with a friend. This friend went my Douglas last year, Zoe. Such a beautiful girl!

Sage had a nice time, spent the night out and was very tired the next day--- I remember coming home after a night out at that age and sleeping ALL DAY. As an adult a late night doesn't equal sleep. You play through the tiredness and get in bed early that night. Do you have a coping mechanism to help with lack of sleep?

I hope you enjoy these photos. I enjoy watching these girls grow!

Saturday, May 20, 2017

House Crush Alert: 117 Chestnut







I am in love with this one! As an agent who sees new listings come on the market daily, I've seen a lot of houses in my day and not all catch my fancy but when they do--- I get so excited! This one gets me excited!

For 300K you get all of this! Wow! It's on water too--- in Williamsburg? I am ready to write a contract. 


Spacious 4 bedroom (Possible 5), 3 bath home in an 
idilic waterfront location just minutes from the historic area. 
Lovely living space include vaulted living room and sweeping 
family room with sound insulation - both with fireplaces. 
Kitchen with tiled floors , corian counters and breakfast bar 
leads to an amazing home office with panoramic views. Back 
deck and brick patio with perfect built-in fire pit are perfect 
for enjoying the gorgeous setting.

Want to see more? 

Call me! 757-784-3230

Wednesday, May 17, 2017

Leeve's First Day at the River












I've been a funk lately. You ever get where you feel like you put one foot forward and then have to take twenty back? 

Well, that has been me
and what seems to be my direction over the last couple of weeks --- could be Taurus season. Being a libra- I have lofty airy goals and when a earth season comes in--- I get grounded really quick. :( 

Well, my oldest and I went to the James River this afternoon because I just needed to get away. Blew off work for a couple of hours and wanted to soak in the rays. 

Douglas now has a puppy. She wanted one forever and even though I was like, "The last thing you need is a puppy," she wanted one. She doesn't live at home anymore and now can do whatever she wants. 

You know how it was to be 18. 

No one knows anything except me and I am the ruler of my domain! 

It is quite funny to watch your child as the mother of another being--- a puppy is vibrant and rowdy. A nice day at the beach to relax and enjoy the afternoon? Well, that'll happen another day. 

Levee (pronounced Leh-vee) had a ball. 

She loves the water, 
and the sand, 
and digging under the chairs, 
and chewing water bottles, 
and stepping in her water bowl, 
and giving grandma sandy hugs and shakes... :) 

You know the drill. 

Isn't my GrandPup the cutest? 

Tuesday, April 25, 2017

Today I Am Inspired By: White Houses and Pools

It's been a rainy day on the East Coast today. Williamsburg has been blanketed in showers for days washing away the pollen that was pushed out of the new foliage that will surround us for the next few months. It was needed--- yes---  but days of rainy make a dreary Leigh Ann. The sun did pop in out of the clouds at times but tomorrow promises to be sunny.

Today I am Inspired by these!




Friday, April 7, 2017

Easter Table Inspirations

Easter is almost here! Are you ready? I still need to close in on the details for lunch and choose a table setting. I am loving all of these below! 



lovely table...Lavender Sprigs:

Black, White, Gold and Color

Love the color combination:


gorgeous Pastel Easter Brunch by Emily Henderson:


Blue and White Easter Table - Kelley Nan:

See More of My Favorite Table Tops Here

Thursday, April 6, 2017

Save $10,000 for a Down Payment in One Year

Save $10,000 for a Down Payment in One Year

A big challenge to buying your first home is saving up for a down payment.The size of the down payment you’ll need depends on which type of mortgage you choose.Many need at least 3% down, but it varies depending on the which loan you choose. One thing for sure, you will need to save some money to purchase a home. 
Many things pop up at the time of purchasing a home you may not think of such as who pays for the home inspection--- you! Who pays for closing costs--- could be you. The time to save for a new home is now.
The list below will help you save up to $10,000 in One Year!! 

Skip the fancy morning coffee 


A small coffee at your favorite drive through coffee house costs around $4.00. That adds up to $1,460 a year! Buy a bag of gourmet coffee and make it yourself. I love my Ninja! I can make specialty coffee everyday and it is well worth the money upfront. 
$4.00 day x 365 days = $1,460/year


Stop Eating Out--- As Much


The average American family spends $225 a month eating away from home. Wow! That’s $2,700 a year!Search Pinterest for recipes and make your dinners at home this year. I know this can be hard especially when you work away from home and just want to eat when you finally get through with your day! Just don't make it a daily habit. Don’t forget to pack your lunch too! 
$225 month x 12 months = $2,700/year

Cut back on entertainment 

You can have fun without spending a whole lot of money. It just takes a little creativity! Television and Movies have so many different viewing capabilities these days--- Amazon, Netflix, Hulu to name a few. No need to go to the theatre all the time--- make sure you do for special occasions though. (We HAD to see Beauty and the Beast or remember when Hunger Games finally came out after all the books were made??? Yep--that is a special occasion.) Many museums and art galleries are free or offer free days. Check your local library for free classes, lectures, and book clubs. 
$150 month x 12 months = $1,800/year

Cut Back at the Holidays

Plan ahead and make next Holiday a bit smaller. No one is really going to miss not opening that scarf this year. Talk with your family and tell them ahead of time that you’d like to skip the gift exchange this year. 
$800 x 1 month = $800/year

Save JUST $25 a week from your paycheck
It’s easy to save money if it never makes it into your pocket. Set up an automatic withdrawal from your checking account to your savings account on the same day that you get paid. $25 a week will add up to $1,300 in just one year! If you can double that, you could save $2,600 in a year! 
$25 week x 52 weeks = $1,300/year

Hopefully these tips help and when it is time to talk about buying a house---- even before you start saving--- give me a call! 


Wednesday, March 22, 2017

Why Pricing Your Home Right the First Time Is Crucial


Wow!! The power of pricing your listings correctly from the Beginning! This graph shows that homes without any price reductions sold for an average of 97.7% of the list price vs homes that had to reduce their price sold for an average of 90% of the original list price! At an average of $230,000 that could cost your seller $18,000.


Thursday, January 12, 2017

Best Cheesesteak in Williamsburg

Want the best Cheesesteak in Williamsburg? Fear not! I have found it for you so you no longer need to search! I am so sweet, aren't I?

Rick's Cheese Steak Shop located at  Prince George Street near Colonial Williamsburg is the spot. The servers are great and always seem so happy. Lunch normally offers a special but I can tell you the large sandwich is plenty for two. 

I love their fries but the last I was there and tried the cheese fries--- not impressed. I like to dip my fries in ketchup not smothered in gooey cheese. 

Check out their menu here



I've gotten a bit obsessed with PicArt and their filters. Sorry. 


Tuesday, January 10, 2017

25 Tips To Sell Your Home FAST!

Condition, Condition, Condition. Other than price, the condition of your home will have a massive impact on how fast your home sells. Preparing before can pay you huge dividends. Many fix ups cost very little and don't cost much at all. 
Here are some simple tips to help your home show its best.

Indoors:

  1. Clean the your home thoroughly. Shampoo carpets, wash walls, clean window sills, window screens and blinds. Clean out light fixtures and dust shelving. It's time to get detailed here.
  2. Clean all clutter from all closets, cupboards and cabinets. Box up anything you do not need for the next couple of months.
  3. Make your rooms look as spacious as possible. Store unnecessary furnishing items that make your home look crowded. It looks homey to you, not to others.
  4. Arrange furnishing so traffic pattern flows easily.
  5. Scale down the number of photos, pictures, portraits and posters hanging on walls. Make sure you patch all nail and screw holes.
  6. Keep your curtains and draperies open. Your home should show very light and bright. Find ways to screen any unappealing views.
  7. Make your kitchen shine. Remove all unnecessary bowls, appliances and container items from counter tops and cabinets and store it. That salt and pepper collection needs to be packed for your new home. Keep your sink clean and clear of any dirty dishes.
  8. Clean your refrigerator, inside and out. Remove unnecessary clutter from the door.
  9. Clean your oven. Degrease it and keep it looking as good as possible.
  10. Keep scented candles burning in the kitchen and bathrooms but don't over power them. Pleasant fragrances will entice buyers to stay longer in your home.
  11. Keep bathrooms scrubbed and tidy with fresh soap and neatly hung towels. Try to color coordinate your bathrooms.
  12. Keep all sinks in the home clean. Repair leaks or slow drains.
  13. Go through your entire home and touch up paint. Pay close attention to corners where there is traffic wear. Touch up baseboards, trim and cabinets and cupboards. Make sure touch up paint matches. 
  14. Place plants or flower arrangements in strategic parts of the home. 
  15. Make sure that your home is well lit. Put higher wattage bulbs in dark areas or corners. Keep all lights on during showings, even in mid day.
  16. Use mirrors on walls if necessary to reflect light and make rooms look larger.
  17. Make sure that all door knobs and keyed entries are working. Replace any worn knobs or handles.

Outdoors:

  1. Clean up all around the house. Remove any debris piles such as wood, firewood and landscape trimmings. Trim all hedges, bushes and shrubbery away from the house. Keep all garden beds weeded and mulched.
  2. Put some color by your home's entrance with potted flowers. Make sure they stay watered and look attractive.
  3. Keep all walkways clear, clean and in good repair. This includes your driveways and any parking areas. Remove all leaves.
  4. Keep all outdoor furniture clean and in good repair. If it looks trashy, throw it away. 
  5. Clean your gutters and roof. Keep moss or algae from growing on, in or around them.
  6. Keep your yard and lawn areas clean and in good health. A green lawn makes a home look great. Keep your lawn edged and free from weeds.
  7. Repair any broken windows, screens, shutter or awnings. Broken windows scream an unkempt house.
  8. Clean your garage area. Remove clutter and make it look organized and as spacious as possible. Try to have nothing in your garage but cars.
By following these 25 fix up tips, you can do a lot to increase the perceived value of your home and make it stand out above the competition!

Contact me on the side for more information! 

757-784-3230
leighannfisher@lizmoore.com

Thursday, January 5, 2017

Home Buyer Tips

TIPS FOR HOME BUYERS

Image result for home buyer

  1. Be the Pre-Approved Buyer: The pre-approved buyer always has the advantage in an offer situation. Becoming pre-approved is very simple: you complete your loan application with a credit check prior to beginning your home search process. Pre-approval means that you have actually been approved for the purchase by a lender, which gives you the edge in home purchase negotiating.
  2. Beat The Competition to The Best New Listings: Searching for a home can be both fun and trying. You will notice some homes sell very fast and others seem to never sell. The best homes at the best prices sell fast. Keeping on top of this is vital. Connect with a professional Real Estate agent that knows the market and keeps you updated.
  3. Do Research: Investigate the areas and price ranges for the kind of home you are looking for. Get a good idea of the price ranges these homes sell for and how long they are on the market. 
  4. Prove That You Are a Serious Buyer: The best way to accomplish this is with strong earnest money. This might mean that you put 5% or more down. Make it hard for the seller to turn you down.
  5. Don't Crazy: Even in a hot market, be calm and calculated with your decisions. Your home purchase may be your single largest investment. It is important to make sure that you get the best deal possible. Overpaying now will make it harder to get your money back when you sell.
  6. Keep Your Offer Simple and Clean: Make sure that your contract to purchase is simple, clean and not bogged down with unnecessary contingencies, especially repairs. Keep the time frames of repairs and responses to a minimum. The cleaner your offer, the more interested the seller will be. This could help you purchase the property at the best price.
  7. Don't Go At It Alone: What you need most in today's marketplace is an experienced and professional real estate agent who represents your interests only. No matter how heated the competition or the negotiations, a professional agent will represent your best interests, keep you from paying too much and help you maximize your investment.
Are you looking for an agent to represent you and your best interests? You, the home buyer, pay nothing for a professional agent. Their fees are paid for by the seller. 

Contact me in the sidebar for more information! 

Pricing Your Home to Sell Not Sit

Pricing Your Home to Sell Not Sit
Image result for price your home to sell
Did you know the best chance for selling your property is within the first seven weeks?

It's true. I promise.
Studies show that the longer a property stays on the market, the less the seller will net upon the sale. It is very important to price your property at a competitive market value at the signing of your listing contract. The market is so competitive that even over-pricing by a few thousand dollars could mean that your house will not sell.
An Overpriced Home:
· Minimizes offers
· Lowers agents response
· Limits qualified buyers
· Showings are minimal
· Prospects are minimal
· Limits financing
· Total waste of advertising dollars
· Nets less for the seller: 
When you are ready, contact me today for a personal market value analysis of your home. 

No hassles or obligation - just honest advice on how to get top dollar for your home!

Use the contact button on the side to get in touch or email me today!

leighannfisher@lizmoore.com

Wednesday, January 4, 2017

Closing Costs EXPLAINED!

CLOSING COSTS EXPLAINED

Here is an overview of the types of closing costs you may incur on your loan. Some are one-time fees, while others reoccur over the life of the loan. When you apply for your loan, you will receive a Good Faith Estimate of Settlement Charges, and a booklet that will explain these costs in detail.
Image result for closing costs
Loan Origination Fee: This fee covers the lender's administrative costs in processing the loan. It is a one-time fee, often expressed as a percentage of the loan. The origination fee is typically 1% of the loan, but remember, you can obtain a loan with no origination fee and a slightly higher interest rate.

Loan Discount: Often called "points", a loan discount is a one-time fee used to adjust the yield on the loan to what market conditions demand. One point is equal to 1% of the loan amount. This fee is rare when interest rates are low.
Appraisal Fee: This is a one-time fee that pays for an appraisal, which is a statement of property value viewed by the lender. The appraisal is made by an independent fee appraiser and can cost a standard $300 to $450, or much more, depending on the home's size and location.
Credit Report Fee: This one-time fee covers the cost of the credit report that is run by an independent credit reporting agency and is usually about $60-$75.
Title Insurance Fee: There are two title policies: a lender's title policy (which protects the lender against loss due to defects on title) and a buyer's title policy (which protects you). These are both one-time fee, but the one you usually pay as a buyer is $200.
Miscellaneous Title Charges: The title company may charge fees for a title search, title examination, document preparation, notary fees, recording fees, and a settlement or closing fee. These are all one-time fee and can add up to about $200.
Document Prep Fee: There may be a separate, one-time fee that covers preparation of the final legal papers, including the note and deed of trust. These legal documents run about $150.
Lender Fees: Other lender fees include an underwriting fee, a flood certification fee, an amortization schedule fee, and other miscellaneous fees that should be disclosed by your mortgage lender at loan application. These fees vary dramatically from about $450 to $900.
Prepaid Interest: Depending on the time of month your loan closes, this charge may vary from a full month's interest to just a few days' interest. If your loan closes at the beginning of the month, you will probably have to pay the maximum amount. If your loan closes at the end of the month, you will only have to pay a few days' interest.
PMI (Private Mortgage Insurance) Premium: Depending on the amount of your down payment, you may have to pay an up-front fee for mortgage insurance (which protects the lender against loss due to foreclosure). You may also be required to put a certain amount into a special reserve account (an impound account) held by the lender for PMI.
Beginning of the Escrow Account: Your lender will typically have an account w here your property taxes and property insurance will be held. This account will be started with taxes approximately equal to two months in excess of the number of months that have elapsed this year. (If 6 months have passed, they will collect 8 months of taxes.) Your property insurance will be collected one year in advance, plus two months will be kept in your escrow account.
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Earnest Money Deposit: It is important to have an understanding of the earnest money deposit, so you will not be placed in an uncomfortable position when you purchase a property. At the time a written offer is initiated, you will be required by the seller to include a personal check or cashier's check. The amount is normally deposited (cashed) into the designated title company's escrow account upon the offer's acceptance, and will remain in escrow until the time of closing. This amount is credited to you as a partial down payment and represents your intent to purchase the property. If the offer is not accepted, this amount is returned to you promptly. Depending on the price of the property, you should anticipate a minimum of a $500 earnest money deposit. Also, in the event that you do not qualify with a lender for a new loan, the earnest money is refunded to you, provided the sellers are given written notice regarding the lender's disapproval, and provided you have supplied the lender with all documentation they have requested.
Title Insurance: When you purchase your home, both you and the lender need a preliminary title commitment that will indicate exactly what recorded liens, encumbrances and recorded easements are currently in effect on the property. The title commitment will also indicate the vested owner of record and any restrictions on the use of the property. Title insurance is, for all practical purposes, required on all property in most states and is normally a seller's expense. However, the buyer is required to furnish the lender with a lender's policy showing the lender as lien holder on that property. These charges will be incurred at the time of settlement as a part of your closing costs. When the purchase of the property is closed, and the title company has recorded the necessary documents, the title company will then issue a title insurance policy binder to you and the lender, showing clear title to the property.
Image result for signing closing papers
For your closing, you must bring a driver's license and a cashier's check for the remainder of your down payment, made out to the title company. At the closing, you may sign the cashier's check over to the title company. If the closing does not occur, you can deposit the cashier's check back into your own account.
There's certainly a lot to know! Have additional questions? Contact me from the sidebar! I am happy to help!