Dumfries, VA

15318 IRIS LANE

MONTCLAIR COUNTRY CLUB

Dumfries VA 22025

$285,000

4 Bedrooms (ONE IS A FIRST FLOOR BEDROOM)

2.5 Bathrooms

Built 1988

10,772 Square Foot Lot

2,019 Square Feet Finished Living Space

From the moment you enter the welcoming red front door of this custom built Cape Cod you can sense the warmth and love added by the original owners. The home has had the finest of care and will bring years of uninterrupted enjoyment to the new owners. Some of the touches usually found only in a custom home include true French doors from the rec room to the rear deck, full walk-in bay window in the dining room, walk-in pantry and window seats in the bedroom dormers

SPECIAL FEATURES

• One of four bedrooms is on the first floor
• Cul-de-sac location
• 2-car end-loading garage
• Double pane windows
• Privacy landscaping
• Walk-in dining room bay window
• Concrete driveway and walkways

TRANSPORTATION

• Approximately 4 blocks to PRTC commuter buses to the Pentagon and Washington, DC
• Approximately 10 minutes to I-95
• Approximately 10 minutes to the Prince William Parkway
• Approximately 15 minutes to MCB Quantico

SCHOOLS

• Henderson Elementary (Approximately 5 minutes)
• Saunders Middle (Approximately 15 minutes)
• Forest Park Senior High (Approximately 10 minutes)

SHOPPING

• Lake Montclair Center (Approximately 10 minutes)
• Fortuna Shopping Center (Approximately 10 minutes)
• Potomac Mills Mall (Approximately 15 minutes)
• Springfield Mall (Approximately 25 minutes)

COMPREHENSIVE PHOTO TOUR OF THE HOME AND THE MONTCLAIR COUNTRY CLUB COMMUNITY

To tour this home contact Karen or Art (The Kruschka Team) by Email or call us at 703-690-6569.

Put our record of customer service, real estate experience and state-of-the-art technology to work for you in Alexandria, Arlington County, Fairfax County, Prince William County, Stafford County or the entire Northern Virginia Area.

At this point you and I know how much you plan to invest in a home. Additionally, we know what it is you need and want in a home and where you would prefer the home to be located. It is now time for me to search our Multiple Listing Service to find a selection of homes that match the criteria that we have established. We also will include any homes that you found searching on my website. I will select a sampling of homes for your first tour that will familiarize you with:

• various areas
• styles of homes in each of the areas
• familiarize me with your reaction to both of the above

As we are viewing homes, I will provide you with a copy of each home listing with photo for you to make notes. I will appreciate your comments about the homes as we visit them. The more information I have, the better I will be able to plan our next tour At the end of the first day, we will both have a good idea as to where you want to live and what, if any, changes you care to make in your parameters.

Our subsequent tour will enable me to develop one or more “prospects” for you to call your new home.

We are now ready to PREPARE AN OFFER in Woodbridge, Dumfries, Manassas and other areas of Prince William County. This process will be covered in Step #4. In the meantime you may search for any newly listed homes on our

WOODBRIDGE, DUMFRIES, MANASSAS AND PRINCE WILLIAM COUNTY HOME FINDER

and then contact Karen and Art by Email or call us at 703-690-6569. Put our record of customer service, real estate experience and state-of-the-art technology to work for you in Alexandria, Arlington County, Fairfax County, Prince William County, Stafford County or the entire Northern Virginia Area.

First Time Buyer's Guide Prince William County VA - Introduction

Outlines the 6 steps in the home buying process that will be explained in detail in subsequent posts. They are required of all home purchasers, not just first time home buyers.

Step 1 Select A Realtor

" STEP 2 OF 6 "

LOAN APPLICATION AND APPROVAL

Details the importance of loan approval if you are purchasing your first home in Woodbridge, Dumfries, Manassas or any other Prince William County VA location.

QUALIFICATIONS

While purchasing a home is an exciting prospect and part of the “American Dream”, it is important for you and your mortgage lender to know exactly how much you can afford to spend. There are two primary reasons for this:

• You want enough money to live comfortably and not be “house poor”
• The mortgage lender is interested in earning interest on the loan – not putting you in difficult circumstances.

When you speak with a loan officer he/she will discuss the various loan options with you and advise which options best suit your needs.

There are far too many loan packages available for me to include them in this booklet. Additionally, their features and requirements change frequently.

A loan officer will need to know how much cash you will have available to apply to a down payment and loan closing costs. Obviously, this is an integral part of the qualifying process and will affect both the purchase price and the loan amount for which you qualify.

You will be asked to provide documentation about the following financial items.

• Your annual income or self-employment income for the past two years.

• Other income such as alimony, child support, rental or investment income.
  
• Amount of debt for autos, mortgages, student loans, credit cards, alimony, child support, etc. You will need to provide the amount of the monthly payment.
• You will be asked where you have lived for the past two years. The above information is for pre-qualification purposes.

YOU SHOULD NOT ALLOW THE LOAN OFFICER TO HAVE A CREDIT CHECK PERFORMED UNTIL YOU HAVE SELECTED A MORTGAGE LENDER. FREQUENT CREDIT CHECKS WILL LOWER YOUR CREDIT SCORE.

WHAT THE LOAN OFFICER YOU SELECT WILL NEED

• Address and telephone number of current employer.
• Pay stubs covering the most recent 30 day period for all applicants and all jobs.
• Copy of W2 forms for all applicants for the past two years.
• Copy of complete and signed Federal tax return for the last two years if you have any source of income other than salaried employment, i.e. rental income, commissions, alimony, child support or self-employment income.
• Complete bank statements for all accounts (checking, savings, CDs, money markets, credit unions, 401Ks) covering the most recent three month period.
• Title for any car which is owned free and clear.
• Addresses of your residences covering the last two year period and provide the name, address, and telephone number of the landlord if you were a renter.
• Name, address and account numbers for any of the following indebtedness - mortgages - installment debt - auto loans - credit cards with outstanding balances and the amount of the minimum payment plus an estimate of the remaining balance
• If you pay or receive alimony or child support, a copy of the separation or divorce agreement will be required
• Your existing home will need to be sold or rented
• You will need a check for credit report and appraisal
• You will need to provide a copy of your orders if you are in the military

PRELIMINARY LOAN APPROVAL

As soon as all of the above information has been verified, the loan package will be submitted for a computer generated pre-approval. Full loan approval, generally, is not granted until settlement is about to occur as the lender will need to verify

• The home has appraised for the purchase price and
  
• There has been no deterioration in your financial situation since you made loan application.

Under recent federal regulations the definition of first time home buyer has changed. If you owned property previously you will need to meet specific time constraint criteria which your lender will discuss with you.

We are now ready to TOUR HOMES in Woodbridge, Dumfries, Manassas and other areas of Prince William County. This process will be covered in Step #3. In the meantime you may search for homes on our

NO REGISTRATION WOODBRIDGE, DUMFRIES, MANASSAS AND PRINCE WILLIAM COUNTY HOME FINDER

and then contact Karen and Art by Email or call us at 703-690-6569. Put our record of customer service, real estate experience and state-of-the-art technology to work for you in Alexandria, Arlington County, Fairfax County, Prince William County, Stafford County or the entire Northern Virginia Area.

Montclair is one of the most popular residential subdivisions in Prince William County and Northern Virginia.

It is, as the community's website says, "When you recall your hometown, you are bound to think of tree-lined streets, blooming flowers, ample yards, parks for playing and friendly neighbors. For the nostalgic feeling that brings you home, there is no place like the Prince William County neighborhood of Montclair."

• Montclair was established in 1968.
• There are approximately 3,800 homes surrounding a 108 acre lake, with a broad central boulevard separated by exquisite flowering trees, attractive landscaping and bordered by wide sidewalks perfect for walking, jogging or cycling.
• Another major attraction is the Montclair Golf Tennis and Swim Club. The clubhouse has an excellent dining room and is available for private parties and receptions.
• Dolphin Beach on the lake is the scene of many community events.

Commuting

• Commuter bus service to the Pentagon and Washington, DC operates within Montclair
• There is a major SLUG LINE at the Route 234 and US1 VDOT Parking Lot with routes to the Pentagon and numerous DC locations.
• The VRE RIPPON STATION is approximately 2o minutes - you can transfer to Metrorail at the Franconia-Springfield Station
• MCB Quantico is approximately 20 minutes

• Fort Belvoir is approximately 45 minutes during rush hour

Schools

• Due to its' size Montclair will attend one of several elementary schools located in Montclair. It will be best to locate a shool by specific address using the Prince William School Locator
• Dumfries Neighborhood Library is approximately 10 minutes
• Chinn Regional Library is approximately 20 minutes

Shopping

• Lake Montclair Center is in the community
• The Fortuna Center for excellent neighborhood shopping is just east of Montclair on Route 234 It features a Shopper's Target and the usual contingent of specialty shops.

•· There are numerous neighborhood shopping centers within 15 to 20 minutes on US Route 1 as well as in Dale City and Lake Montclair Plaza

Recreation

• Dale City Rec Center is approximately 15 minutes away on Minnieville Road with year round pool, fitness center and other recreational activities including an outdoor baseball batting cage.
• Water Works Waterpark is approximately 20 minutes on Dale Boulevard in Dale City
• Prince William Indoor Ice Rink is also located on Dale Boulevard about 20 minutes away
• Prince William Forest Park with 37 mikes of hiking trails, 21 miles of bicycle accessible roads, cabin and tent camping is less than 20 minutes
• Leesylvania State Park with boat launch to the Potomac, picnic facilities and educational programs is approximately 20 minutes
• Lake Ridge Park and Marina with boat launch to the Occoquan Reservoir, 9-hole golf course, miniature golf and picnic facilities is approximately 15 minutes
• Old Hickory Golf Club is approximately 25 minutes
• Chinn Aquatics and Fitness Center with year round pool, exercise facilities, racquetball courts and meeting room is approximately 10 to 15 minutes
• Locust Shade Park is approximately 15 minutes

The Kruschka Team has 33 years full time experience in Prince William County. We invite you to try our