Buying your home? · Homebuying 101 · the wonderful world of Real Estate

Part II-What questions are keeping you from buying real estate?


How your deed is titled and the type of ownership you designate can make a huge difference in your personal estate planning! Below are brief explanations of each type of ownership and what it means to you and your heirs. It’s best to consult the legality with a qualified attorney before making these decisions, but I hope this helps you to understand the differences.

Sole ownership – Property that is owned just in your name without any other owner or designated beneficiary. Upon your death, property would typically go through probate to get it out of your name and into the names of your legal heirs.

Joint tenancy with right of survivorship – Two or more owners hold an equal right to the property. In most states, jointly owned real estate cannot be sold or mortgaged without the consent of all of the owners. When one joint owner dies, ownership of the property automatically passes to the surviving joint tenants without the need for probate.

Tenancy by the entirety – This is a type of joint ownership with rights of survivorship that can only exist between two spouses. The property cannot be sold or mortgaged without the consent of both spouses. When one spouse dies, ownership of the property automatically passes to the surviving spouse without the need for probate.

Community property – This is a type of joint ownership that is recognized in some states and can only exist between two spouses. Specific state laws set each spouse’s ownership rights in community property. Community Property States are Louisiana, Arizona, California, Texas, Washington, Idaho, Nevada, New Mexico, and Wisconsin.

Tenancy in common – Another type of joint ownership in which each individual “tenant in common” owns a specific percentage of the property and can withdraw, mortgage, or sell his or her own separate piece of the property without permission from all owners. When a tenant in common dies, his or her share of the property passes to his or her own beneficiaries and not to the surviving tenants in common.

Living Trust – The revocable living trust is established by a written agreement appointing a trustee to manage and administer the property of the grantor. The trust is like a rulebook for how your assets are to be handled when you die.

Remember to always enlist the help of a licensed Realtor to represent you and your interest in any Real Estate transaction. As always, no obligation or cost to you for questions or consultations!






Buying your home? · Homebuying 101 · Selling you home? · the wonderful world of Real Estate · Uncategorized

What Questions are Stopping YOU from Buying or Selling?


It’s one of those key words that scare people in Real Estate transactions. What the heck is a contingency and what does it mean to you as a potential homebuyer?

Very simply, a contingency (or condition) is a provision in a real estate contract that specifies the contract can and will be voided or cease to exist upon the occurrence of or non-occurrence of a certain event. They are built in to the Purchase Agreement contract to protect the seller and the buyer. Here are some of the standard contingencies you’ll encounter in the process:

Mortgage Approval-The standard contract will state that the transaction will only be completed if the buyer’s mortgage loan is approved with substantially the same terms and numbers as in the contract

Appraisal-The contract will also be contingent upon an appraisal for at least the amount of the selling price

Closing Date-The completion of the transaction is contingent upon closing on or before a specified date.

Inspection-The satisfactory completion of a home inspection.

Satisfactory Walk-through-The closing will happen if the buyer is satisfied with a final walk-through of the property the day of or day before closing. All requested repairs have been completed.

Sale of Another Home-Sometimes the buyer is only going to be able to close if they get the funds from the sale of their current home, which is usually under contract. The new deal is contingent upon that deal closing.

Either the seller or the buyer can add many types of contingencies to the contract and contingencies are common and normal in real estate transactions, but remember to always enlist the help of a licensed Realtor to represent you and your interest in any Real Estate transaction.



Buying your home? · Homebuying 101 · Selling you home? · the wonderful world of Real Estate · Uncategorized

A Home Warranty can help seal the deal!

Most people fall into one of two categories when it comes to warranties, those who buy them and those who just don’t. Unfortunately, what typically distinguishes the two is the life experience of having a warranty, filing a claim, and actually getting that repair or replacement and never having suffered a loss and knowing the frustration of being SOL.

When  it comes to the biggest purchase of most of our lives, your home, being without that coverage when something goes wrong can be catastrophic.

As a Seller, offering a home warranty to you prospective buyer says you are confident that your home and its systems are in great working order, but should something go wrong…they are covered. In many cases the Home Warranty Company will offer free coverage while your home is listed with the commitment to provide your buyer with coverage!

As a Buyer this coverage on your new home, whether provided by the Seller or purchased by you, can take a great deal of the worry and stress out of your experience and allow you to focus on what matters..

Home Warranties   (click for more info)  pass it on…



trusted home warranty coverage




home, garden, and more · Life in Hampton Roads · the wonderful world of Real Estate

I may just owe Hampton an apology…

Growing up in Virginia Beach, we didn’t have too many occasions to cross the water to Hampton. The annual trip to the Coliseum for the Circus or Ice Capades, and concerts when I was older (really GREAT concerts-I’m talking Aerosmith, Van Halen, The Grateful Dead, Queensryche, TOOL…), but I never drove. It seemed like it was so far away, and then there was the tunnel-what if there was traffic? What if I got lost? I knew absolutely nothing about the neighborhoods and people who lived “over there”.


Oh course, I realize now that my uneasiness was just absurd! Held over memories of conversations between my parents when I was a kid, I feel sure.

Since beginning my Real Estate journey, I’ve searched for many homes in Hampton and Newport News and taken many trips through the tunnel at all hours of the day and I’ve found that (1) there are some amazing homes-big, small, really big, new, old, charming, beautiful homes (2) the tunnel traffic is not a big deal. After taking 2 hours to get home from work in Ghent between flooding and accidents-like 3 times-seriously, and (3) Fort Monroe is very cool. If you haven’t been there since it opened to the public you really have to go! More info here

The Military transferred control of the historic Fort to Virginia on September 15, 2011, ending the Army’s 188 year presence at Fort Monroe. Pretty impressive history and so much to see!


So, I’m truly sorry, Peninsula, for not seeing your awesomeness and how very Virginia you are!

There are some choice properties available in Hampton and Newport News, Download my app here, or visit my website to search-I’m here to help!



more cool Hampton links:



home, garden, and more · Uncategorized

It’s planting season…make sure you know which common backyard and household plants may be poisonous to your pets!


Before you and your ever so helpful K9 start planting flowers, plants, veggies and shrubs in the yard this season, be sure to check the list of plants that may be toxic to you or your pets! There is a great list here with photos.

I was really surprised a few years ago that Aloe plants are poisonous to most cats. It has a bitter taste, but for some reason they like to chew on it. So, kitty lovers, watch out for toxic houseplants…


home, garden, and more · the wonderful world of Real Estate

Selling your home? Which improvements will bring the highest return on your $$$?

The perennial chart toppers for the highest return on investment are the cheapest to pull off. This year (as last), the No.1 finisher was installing loose-fill fiberglass insulation in the attic. Not exactly sexy, but boy, is it cost-effective! In fact, this is the only project that regularly pays back more than you invest, with an average 107.7% ROI.

Next up is replacing a run-of-the-mill entry door with an attractive yet tough steel replacement at 90.7%, followed by manufactured stone veneer at 89.4%. Glamorous, no. Valuable, very.

On average, in 2017, you can expect to get back 64% on every dollar you plow into home improvements last year.

Last but not least, the 2017 data suggest that “curb appeal” projects (such as new doors and exterior siding) generate higher returns than improvements done on a home’s interior. In other words, it really isn’t what’s on the inside that counts. If you’re trying to sell, pretty up the outside and it’ll pay off in spades.


For more details on this please visit


home, garden, and more

Interior Design Trends for 2017 what’s hot & what’s not

IN: Handmade original pieces, hand dyed raw fabrics, feminine embellishments         (lace, ruffles, jewels)

Art deco furniture, mixed metals, pottery, contemporary wallpaper, rounded edges

Colors-Mustard/curry, rich jewel tones, nude/beige/grey solid color walls

NAVY BLUE is THE accent color

OUT: Faux-wood, fur & leather

Mass produced “reclaimed distressed wood” faux antiques

Geometric tiles, Edison bulbs, overstuffed furniture

Colors- White walls, shades of grey

In the Kitchen-the heart of the home!

Quartz continues to rule, and the development of composite surfaces makes this a more affordable option with a great return on the investment at sale time!

Brass accents are big, mixed in with the sleek, clean industrial look (stainless, stainless, stainless).

Modern cabinets with no handles and rounded edges are still hot- Small appliance storage & clean counter spaces continue to challenge designers to offer new nifty hidden pantries and stackable storage

More technology! The smart home isn’t just Hollywood anymore.

Kitchen Colors-white, black, grey and navy

More info