MARYLAND AND NORTHERN VIRGINIA REAL ESTATE MORTGAGE INFORMATION FOR HOME BUYERS.
Buying real estate in Maryland and Northern Virginia and getting a mortgage loan is complicated. The Contract of Sale is about 10-15 pages on Northern Virginia and in Maryland may be up to 30+ pages with the Contract and necessary locality, inspection, loan addenda. Your Buyer's Agent will review the Contract of Sale and all addenda when you prepare your offer to the seller.
Real estate in Maryland and Virginia is expensive compared with many other areas in the United States. Buying a home and getting a mortgage loan, in Maryland or Virginia is even more complicated when home buyers don't understand the home loan process. We'll try to make is as easy as possible. However, borrowing $$Thousands or Hundreds of Thousands of Dollars is not a minor matter. Borrowing money is a very serious matter and we treat it as such. With some education and guidance from an experienced real estate agent, mortgages can be made easy to understand. We can help. We sell many homes every year and we help our real estate buyers with the mortgage process from pre-qualification through settlement.
We will describe the mortgage process further down this page, but first, you should understand what a mortgage is and how it works. The procedure will vary little from lender to lender, but since the procedure is basically simple, you just need to understand that:
Sounds simple and it can be simple with an agent who will explain the loan process to you step by step. Unless you've obtained a mortgage loan in the past, most buyers do not understand why lenders need particular information.
The first thing a loan officer will do is review your credit report. This is important because it will determine your qualifying ratio and the loan officer will discuss they different types of loans available to you. Your Homefinders.com agent will also discuss types of loans with you since it may help determine the price range and type of home listings where you can get the type of home you desire.
WHAT KIND OF DOCUMENTATION WILL I NEED FOR MORTGAGE APPLICATION?
Generally, the documents needed will verify your income and debt. The list below is the minimum for VA, FHA and conventional loans.
Your lender will have a copy of the Contract of Sale for the home you are purchasing. Your lender will process the loan and have the mortgage approved prior to the date of settlement date in the Contract. The lender will send the proceeds of your home loan to the settlement company along with instructions to the title company about what charges are and the title company will conduct the settlement meeting. You sign the documents accepting the loan, the sellers signs the deed over to you, you get the keys to your newly purchased home. Now, wasn't that easy??
Courtesy, Lenn Harely, Broker, Homefinders.com. 800-711-7988. Serving home buyers in Maryland and Northern Virginia from home search to settlement. Contact us for a home buying adventure.
Friendly and experienced Buyer's Agents who know the area are ready to help you.
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To Search Listings of Homes for Sale in Maryland and Virginia
HOME INSPECTIONS PROTECT HOME BUYERS - THEY ALSO PROTECT SELLERS AND AGENTS!
Probably the single most important step a home buyer can take as a part of the home purchase process is 
the home inspection. No one can guarantee the condition of a resale home. Therefore, the home buyer should understand that
1. You, a home buyer, cannot rely on the seller for information about the condition of the home they are offering for sale.
2. Buyers can protect themselves with a home inspection.
3. Some states go farther than others in providing protections for home buyers with required seller Property Condition Disclosure, while other states follow the "caveat emptor" rule which requires that the "buyer beware".
PROTECT YOURSELF WITH A HOME INSPECTION
We, as your agent, will do our very best, based on our experience with hundreds of home sold, to make you aware of potential problems with appliances; heating/cooling, interiors, exteriors and things we can see. However, a trained home inspector will not only test the mechanicals and appliances in a house, they will also inspect the structure, materials and condition of the components of a property. Cosmetics are not a part of a home inspection.
A good home inspector will examine the house from top to bottom. Most inspections in Maryland and Virginia will evaluate the physical condition: structure, construction, and mechanical systems. They will identify items that need to be repaired or replaced. They will also give you an estimate of useful life of the roof, appliances, mechanicals and any other equipment included with the home purchase.
You have negotiated all price, terms and conditions of the home purchase and now you want the home inspected. Good. Let's walk through a home inspection. At this point, a successful home inspection should be a contingency, meaning that, if the home inspection reveals serious defects, the home buyer can void the contract and be refunded their earnest money deposit. If the buyer decides to negotiate with the seller for repairs or compensation for defects, that stage requires that the buyer and seller negotiate repairs or agree to void the contract. So, the home inspection is a very important aspect of buying a home. A home warranty is not a substitute for a home inspection. Most home warranty policies do not protect for pre-existing conditions.
WALK THROUGH A TYPICAL HOME INSPECTION
STRUCTURE
The home inspector will look for structural integrity, They will evaluate the quality of construction and materials used.
EXTERIOR
A thorough inspection of the roof should reveal any past or present leaks. The exterior finishing will be inspected for cracked bricks, loose siding, improper grading and anything else suitable for your purchase.
INTERIOR
The interior will be observed for signs of movement. A good home inspector will look for signs of unusual cracking, separating, shifting in the house.
MECHANICALS
The heating and air conditioning will be tested, temperature permitting, and since this is an expensive appliance, the inspector may recommend servicing of the unit if it appears that the present owners have neglected this important duty.
APPLIANCES
All kitchen appliances will be run through their cycle to make sure that they function properly. The refrigerator will be tested for temperature and seals. The range, microwave, disposer will all be run to make sure they know what to do.
PLUMBING
All bathrooms, kitchen, laundry, exterior plumbing will be tested and inspected. This task has become very important since builders have been downgrading building materials for several years to compensate for escalating land costs.
ELECTRICAL
All visible wiring, panel boxes, fixtures, switches, outlets will be tested for operating condition and safety. Often we find home owner repairs will be the most hazardous. If the homeowner did not obtain a permit and have work inspected, it may be defective and dangerous. A good home inspector spends a lot of time looking at electrical components of a house.
WHAT HAPPENS AFTER THE HOME INSPECTION??
If the home inspector finds serious problems such as structural defects, you will have to make a decision as to whether or not to go through with the purchase. If the home inspection shows defects that are repairable or replaceable, your agent will write an addendum requesting the repairs to be made by the seller prior to settlement. The seller may agree, refuse or negotiate a cash settlement to compensate you for the defects found.
You and your agent will decide on the best way to handle any defects found. The important thing is that you are an EMPOWERED HOME BUYER when you know the good AND the not so good about a home.
Your Buyer's Agent may recommend local home inspectors or you can find home inspectors trained and certified by the American Society of Home Inspectors, ASHI.com.
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Courtesy, Lenn Harley, Broker, Homefinders.com, 800-711-7988, E-mail. 
"NEVER A FEE TO BUYERS"
Maryland and Northern Virginia Real Estate homes for sale HERE - Search Homes for Sale in Maryland and Northern Virginia.
For your copy of the Homefinders.com home buyers relocation package, just give me a call. Whether you're moving to Maryland or Northern Virginia from out of the area or just across county. We can help.
FIRST TIME HOME BUYERS HELP in MARYLAND AND NORTHERN VIRGINIA
Maryland and Virginia offer good opportunities for first time home buyers. Lenders are familiar with programs that limit the cash needs for buyers which is often helpful for first time buyers although not all first time home buyer programs are available in all counties. You'll need a good experienced buyer's agent to help you. Let's get started by going through some of the steps to home ownership.
HOME BUYING STEPS
First thing we like to do is to take a tour of homes. Homefinders.com compute your approximate price range. We know that a lot of real estate agents will want to sit at a desk and talk, talk, talk. We'd rather show you a home or two to get acquainted and get your reaction to what you see. We can get to know each other and you can see what your money will buy. In fact, you can select the home to see from the many homes listed for sale in Homesdatabase.com.
GETTING PRE-QUALIFIED
Our agents are fully qualified and capable of pre-qualifying a buyer. If you have already met with a lender and feel comfortable with that lender, wonderful. If you prefer, Homefinders.com will refer you to an experienced loan officer with a mortgage company who offers the type of loan that you need.
CREDIT??
If you have had credit problems in the past, you will want a lender to review your credit report and determine if you should be looking for a home now or do some credit repair first. We'll help you get the information you need. We work with many lenders and may have some solutions. Often a bit of work on a credit report will make you credit worthy in six to twelve months and then you can get a good rate and save a lot of money. Often a credit report can be improved relatively fast. The better your credit report, the better rate, terms and conditions you'll be offered by mortgage companies.
LENDER'S LETTER
Once you have determined the area, price range and type of real estate you wish to buy, you will need to be prepared with a lender's pre-qualifying letter which means that a lender has reviewed your credit, income and money to close and you are READY to buy. This letter accompanies the offer to buy a home. Sellers cannot consider your offer seriously unless you have been credit reviewed by a lender. If you do not already have a lender, we can obtain this letter for you in a very short period of time, but not usually on weekends. If you're ready to buy, you need to get prepared. We'll help.
LET'S LOOK AT SOME HOMES - SEARCH THE LISTINGS
We provide our buyers with access to the real estate Multiple List database MRIS to keep you up to date on new listings. You can see photos, descriptions, prices, features of homes that meet your search criteria. Folks love this program since it permits buyers to select the homes to visit. This database is very helpful for buyers who are relocating by helping buyers understand what your money will buy in different communities of Maryland or Virginia. Homesdatabase.com/lennharley is a LIVE database and you will see the identical status we see. This database does not contain sold listings as do many of the national databases found on the Internet. Homesdatabase is a link to the Multiple List System for Maryland and contains ALL homes listed for sale with Realtors.
LEAVE THE DRIVING TO US
We'll provide the gasoline to visit the homes that meet your search criteria. HOMEFINDERS agents are full time REALTORS ® who will show you homes at your convenience. We recommend looking at real estate during daylight hours. Our agents are available to show homes seven days a week. If you are a relocating buyer, we'll clear our schedule for your buying trip and spend the days with you to make sure you see as much real estate during your trip as possible.
FIRST TIME HOME BUYERS WILL have a lot of questions and you can be comfortable with our agents who are accessible and helpful. We'll give you information on homes that have sold in the area in which you are interested so you can understand pricing.
YOU'VE GOT THE CONTRACT
Let's get busy. If there is to be a home inspection or other inspections, it must be done quickly. You may receive a recommendation for a home inspector. Perhaps someone at your work place has used one that they recommend. If you do not have a preference, we'll recommend inspectors that we have used in the past. Any defects found in the home will be written for the seller to repair prior to settlement. These items are negotiable and if there is a serious defect in the house, you can declare the contract null and void. YOU DO NOT HAVE TO BUY A HOME WITH SERIOUS DEFECTS. Many homes are sold "as is" meaning that the seller will permit a home inspection, but will make no repairs. If there are defects and the seller doesn't make repairs, you can void the contract.
MAKE LOAN APPLICATION
Time for you to make a loan application so the lender can get busy and provide you with a full loan approval ASAP. Be prepared with the below documents to expedite your loan process.
RELAX AND WAIT FOR SETTLEMENT
Sounds easy?? It really is. We'll be there to help every step of the way.
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Courtesy, Lenn Harley, Broker, Homefinders.com, 800-711-7988, E-mail.
"NEVER A FEE TO BUYERS"
Maryland and Northern Virginia Real Estate homes for sale HERE - Search Homes for Sale in Maryland and Northern Virginia.
For your copy of the Homefinders.com home buyers relocation package, just give me a call. Whether you're moving to Maryland or Northern Virginia from out of the area or just across county. We can help.
RELOCATING TO MARYLAND OR NORTHERN VIRGINIA? KEEP THE RADON MATTER IN MIND.
ABOUT RADON INSPECTIONS IN MARYLAND AND NORTHERN VIRGINIA
If you could see it, it would probably be ugly, but you can't. So, in many areas of Maryland and Northern Virginia, buyers test for radon. Often the radon test is a contingency included in the Contract of Sale. The Seller agrees that the Buyer will have an inspection for radon levels and, if the test results show a high reading, the seller will agree to have a radon remediation system installed prior to settlement. All of these terms and conditions are negotiable. Radon tests in Maryland and Northern Virginia performed by inspectors cost about $125-$160.
If the radon level is high, 4 picoCuries per liter (pCi/L) or higher, a simple radon remediation system can be installed following which the radon level will be reduced to below that recommended level. The cost of radon remediation systems is about $900-$1500 depending on the availability of ventilation areas which is determined house by house by the remediation company. If the seller doesn't agree to provide you with a remediation system, you can easily do the test and remediation following settlement.
EPA recommends that all homeowners test their home for radon. It's easy and inexpensive. Radon can be found all over the U.S. However, the radon levels varies from area to area and can even vary widely from block to block. Most high readings are found in the higher elevations of our market area. Radon comes from the natural (radioactive) breakdown of uranium in soil, rock and water and gets into the air you breathe. Radon can be found all over the U.S. The gas can get into any type of building - homes, offices, and schools - and build up to high levels. But you and your family are most likely to get your greatest exposure at home. That's where you spend most of your time.
Detailed information about radon can be found on the EPA web site at:
http://www.epa.gov/radon/zonemap.html
Maryland Radon Map
Virginia Radon Map
RED = Highest Potential ORANGE = Moderate Potential YELLOW = Low Potential
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Courtesy, Lenn Harley, Broker, Homefinders.com, 800-711-7988, E-mail.
"NEVER A FEE TO BUYERS"
Maryland and Northern Virginia Real Estate homes for sale HERE - Search Homes for Sale in Maryland and Northern Virginia.
For your copy of the Homefinders.com home buyers relocation package, just give me a call. Whether you're moving to Maryland or Northern Virginia from out of the area or just across county. We can help.
LEESBURG NEW HOMES WITH GREAT FLOOR PLANS AND PRICES.
Another wonderful new home community in Leesburg, Virginia. This small development, just 14 home sites offers so much for home buyers. The community is surrounded by a protected tree conservation.
The home to the right is priced at $555,000 and is ready to move in. IMMEDIATE DELIVERY. 
TO-BE-BUILT models are priced from $454,990 to $489,990 with fantastic standard features. Examples of the lots available pictured below.
The home to the right is available for Immediate Delivery and priced at $553,000. Fantastic interior features.
The community is just 5 minutes from Leesburg shopping convenience and the Dulles Greenway.
Nice level lot with a wooded back in a tree protection area.
New to-be-built homes can be ready in 3 months. The builder already has building permits in hand.
Located just 4 miles east of the Town of Leesburg.
Courtesy, Lenn Harley, Broker, Homefinders.com, 800-711-7988, E-mail.
"NEVER A FEE TO BUYERS" Ask about the Homefinders.com New Home REBATE!
For your copy of the Homefinders.com home buyers relocation package, just give me a call. Whether you're moving to Loudoun County from out of the area or just across county, we can help.
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Maryland and Northern Virginia real estate help for home buyers. Experienced real estate brokers and agents helping first time home buyers, move-up buyers, relocating buyers, luxury home buyers and f
HOMEFINDERS.COM - REAL ESTATE SERVICES FOR HOME BUYERS IN MARYLAND AND NORTHERN VIRGINIA.
RESIDENTIAL REAL ESTATE SALES * SHORT SALES * BANK OWNED HOMES SALES * NEW HOME SALES* FIXER UPPER HOMES SALES * FIRST TIME HOME BUYERS SALES * ALL AGENTS ARE EXPERIENCED BUYERS AGENTS OR BUYERS BROKERS. Our Homefinders.com network of experienced agents and brokers includes folks licensed for many years and have experience in the luxury home market in Maryland and Northern Virginia. We also have waterfront specialists in water oriented areas of Maryland and Northern Virginia. Luxury homes and water front homes require specialty knowledge about the luxury market valuation. Waterfront properties require expertise about the waterways in our market.
ATTENTION HOME BUYERS: PRICES FOR HOMES IN MARYLAND AND NORTHERN VIRGINIA ARE ABOUT 30-40% LOWER THAN THREE SHORT YEARS AGO. IS IT TIME TO BUY A HOME? YOU DECIDE. With the lowest interest rates we've every seen, plus low home prices, a buyer can qualify for more home for their money than at any time in memory. If you decide that you'd like to tour some homes in your qualifying price range (we can help you determine your qualifying price range), contact HOMEFINDERS.COM. We can help. Let's take a tour of homes. YOU DECIDE.
ATTENTION Veterans Administration HOME BUYERS: As the broker for Homefinders.com, I spend a lot of time researching home loan / mortgage opportunities for our home buyers in Maryland and Virginia. Contact me and we'll go over your financing needs and the financing opportunities available. WE LOVE VA BUYERS.
SPECIAL FINANCING FOR OUR BUYERS
**** The stimulus packege permits buyers who close on a home prior to December 1, 2009 to take up to $8,000 credit on your 2008 tax return. If your taxes are less than $8,000, you can receive the balance in a cash credit. This is real money. However, you MUST close by June, 2010.
"Enjoy The Home Buying Experience"
Maryland and Virginia Buyers Agents helping home buyers find homes to buy; new homes in Maryland and Northern Virginia, resale homes in MD and VA, condominium, town house and single family homes. We cover the areas throughout Maryland and Northern Virginia. Our broker and agent partners specialize in their home base areas and know the neighborhoods. New home buyers benefit from the Homefinders.com new home buyers REBATE, our way of saying THANKS! We REBATE one-third of our real estate commission (up to 1% of the purchase price) to our new home buyers at settlement. Buyers Agents in Maryland and Northern Virginia helping home buyers find the best resale or new home in your price range and location of choice.
MARYLAND and Virginia HOME BUYERS will benefit from the experience and dedication of our experienced brokers and agents. Homefinders.com's agent and broker partners have been representing home buyers in Maryland and Northern Virginia since the mid 1980s and have a depth of understanding of the Maryland and Virginia real estate market that gives our home buyer clients the benefit of real market experience. We know the counties. We know the neighborhoods. As a home buyer, you'll be represented by a buyer's agent who is well trained and has experience in the area of your home search.
Homefinders.com partners participate in on-going training to make sure we have the latest information of real estate law, contract forms, market trends, local settlement procedures, developers and builders activities in our areas, govern
ment actions that affect real estate sales throughout the Maryland and Northern Virginia market.
Inspections. Your Homefinders.com agent will help you determine what inspection you need and recommend qualified inspection companies for home inspections, radon inspections, buried fuel oil tank inspections, water inspections, well inspections, septic inspections and other types suitable for your choice of home.
FOR BUYERS: SEARCH LISTINGS OF homes listed for sale in Maryland and Northern Virginia. Search these active listings of homes for sale. Only ACTIVE listings are in this site. 
Contact Lenn to schedule a tour homes in the location and in the price range of your choice. Or, let Homefinders.com arrange a wonderful tour of homes just for you. If you need to be pre-qualified for price, we can do that in minutes and if you need a mortgage loan officer referral, we can recommend local mortgage companies that specialize in home loans in the area.
SEARCH LISTINGS IN MARYLAND AND VIRGINIA by county, city, price range, features, waterfront, acreage and more.
FORECLOSURES : Homefinders agents are experienced selling bank foreclosures. We will always look for the best value for our home buyers. There are about 500 Foreclosures and bank owned homes for sale in Maryland in Anne Arundel, Baltimore, Calvert, Charles, Frederick, Howard, Montgomery and Prince George's County in March 2008. There are about 1216 foreclosed and bank owned homes for sale in Northern Virginia including Arlington, Alexandria, Fairfax, King George, Loudoun, Prince William and Stafford Counties including Manassas and Falls Church. Our network agents and brokers are exprienced negotiating with the banks to get the best price for our buyers on foreclosed homes.
Short Sales. Homefinders network of experienced agents and brokers can help you manage a short sale of your property. Contact Lenn for a telephone interview, 800-711-7988 to determine if a short sale is a viable alternative to foreclosure for you. Our partner agent / brokers understand the Short Sale process and will help you get the very best price for the home you select. Our agents have received special training for Short Sales and understand the ways of insuring that YOUR contract offer will have the best opportunity possible. Short Sales are not for inexperienced agents. 
ASK LENN HARLEY ABOUT NEW HOME OPPORTUNITIES IN MARYLAND AND NORTHERN VIRGINIA. Homefinders.com home buyers will benefit by our NEW HOME REBATE Maryland and Virginia home buyers. Up to One Percent (1%) of the purchase price of your new home which can be used for closing costs or upgrades OR cash back to you.
The home to the right is built in Walkersville in Frederick County, MD and is priced at about $300,000. This is the best value in new homes in the area. For qualified home buyers, the USDA 100% financing is available for these homes.
When you SEARCH LISTINGS on the Homefinders.com web site, you do not have to register. The search page is designed to help you, our home buyers, see the current real estate in Maryland and Virginia market. You can see ALL existing homes offered for sale. Search by location, price, features. When you're ready, contact Lenn at 800-711-7988 and we'll arrange a tour of homes just for you. 
MEET THE AGENTS IN THE HOMEFINDERS.COM NETWORK OF EXPERIENCED MARYLAND AND VIRGINIA AGENTS AND BROKERS: Lenn Harley, Broker/Owner of Homefinders.com. Our network of experienced Buyers Agents are ready to help you find a home in: Anne Arundel, Baltimore, Calvert, Carroll, Charles, Frederick, Harford, Howard, Kent, Montgomery, Queen Annes, St. Mary's, Talbot, Washington Counties in Maryland; Alexandria, Arlington, Clark, Fairfax, Fauquier, King George, Loudoun, Prince William, Spotsylvania, Stafford, Westmorland Counties in Northern Virginia. Meet some of our Agent and Broker Partners, experienced REALTORS (R) all.
ALERT: Enjoy some of our real estate SECRETS for home buyers. REAL ESTATE SECRETS THE AGENT MAY NOT TELL YOU WHAT A REAL ESTATE PROFESSIONAL MAY NOT TELL YOU CAN BE DANGEROUS TO YOUR HOME BUYING HEALTH.
EXAMPLE: Secret, Termite Warranties do not protect your home from termite damage. Termites cannot read.
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Homefinders.com market area covers the Maryland and Northern Virginia real estate communities including Annapolis, Baltimore, Bel Air, Columbia, Frederick, Hagerstown, Rockville, Bethesda, Potomac, Bowie, Waldorf, Lexington Park, Easton, Upper Marlboro, Laurel, Silver Spring, Gaithersburg and many more cities in Maryland real estate.
Leesburg, Fairfax, Warrenton, Arlington, Alexandria, McLean, Vienna, Stafford, Ashburn, Culpeper, Stafford, Gainesville, Manassas, Woodbridge, King George, Fredericksburg, Fairfax, Lovettsville, Haymarket, Annandale, Purcellville, Dale City, Warrenton, Falls Church, Fairfax City and more.
Our market area includes major airports of Dulles International, Baltimore Washington International and Reagan National Airports.
Home prices differ throughout our real estate area. To discuss a specific county or city home price, demographics or transportation alternatives, call Lenn at 800-711-7988. Or, E-Mail me.
GET TO KNOW THE REAL ESTATE MARKET IN MARYLAND AND NORTHERN VIRGINIA
Real Estate sold prices 2008 Below are the sold reports for counties in the Homefinders.com Network market area for the month of June, 2008. Sales are slow, a fact to plain to sellers and a fact that greatly benefits our home buyer clients. Price is the determining factor and resale homes are having a hard time competing with new home builders in Maryland and Northern Virginia. New Home builders are offering incentives to home buyers. Foreclosures and Short Sale resale homes are often priced below market and offer excellent value for our home buyers.
WE LOVE TO SELL NEW HOMES. Homefinders offers tours of new home sites. Buyers benefit from our years of experience selling new homes. Our services are FREE to home buyers. Builders pay agents for introducing home buyers to their sites. We can help. Call Lenn 800-711-7988.
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LUXURY HOMES IN MARYLAND AND NORTHERN VIRGINIA. Homefinders is an experienced luxury home broker. Your confidentiality is maintained throughout the home search.
Experienced luxury home agents will show you model homes and lots available for luxury homes in the most popular luxury home communities in Annapolis, Ellicott City, Potomac, Northern Baltmore County, Bethesda in Maryland and the luxury communities in Virginia of Great Falls, McLean, Oakton, Vienna and Alexandria, Arlington and in Loudoun County luxury communities with acreage.
New Home Buyers in Maryland and Northern Virginia qualify for the Homefinders.com New Home REBATE and will receive a benefit of up to 1% of the sales price of your new home from Homefinders.
Maryland Home buyers working with Homefinders.com experienced Buyer's Agents receive comprehensive and dedicated help from home search to settlement. Navigating the complex real estate contract in Maryland is a challenge and our agents are experienced and hard working. All of our resale Maryland and Virginia home buyers receive a FREE ONE YEAR HOME WARRANTY, compliments of Homefinders.com at settlement. Contact Lenn Harley for comprehensive Market Reports, MLS listings of homes for sale. Our agent and broker partners are ready to take you on a tour of homes and help you from search to settlement. We're ready to help. When experience counts, a Homefinders.com buyer's agent will be in your corner.
"ENJOY THE HOME BUYING EXPERIENCE"
Specializing in Buyers Agency, Homefinders.com is a real estate brokerage offering our services as a Buyer's Agent to home buyers in Maryland and Northern Virginia from home search to settlement. We also list homes for sale for our Maryland and Northern Virginia buyer clients who need to sell a home in order to buy a home. Our agents are trained and experienced to monitor financing, inspections and settlement.
HOW MUCH HOME ARE YOU QUALIFIED TO BUY?
For questions about qualifying, call Lenn at 800-711-7988. We can help you determine your estimated price range. When you are ready for a mortgage company referral, we know local loan officers who will help you with mortgage types. Not all mortgage companies are alike. Homefinders.com refers home buyer only to qualified experienced loan officers with direct lenders of major mortgage companies in Maryland and Northern Virginia.
Send postal mail to Homefinders.com in Maryland Send postal mail to Homefinders.com in Virginia Homefinders.com Homefinders.com Lenn Harley Lenn Harley P.O. Box 1010 P.O. Box 1199 Germantown, Maryland 20875 Purcellville, Virginia 20134 800-711-7988 800-711-7988
The agents and brokers of the Homefinders Network is dedicated to serving the needs of Maryland and Northern Virginia home buyers. We work only with experienced BUYERS AGENTS who will put YOUR needs above their own.
NEW HOMES FOR SALE WITH DISCOUNTED PRICES. New homes in Loudoun County are the best buy in real estate today. Contact Lenn for a tour of homes ready for quick occupancy. All new home buyers will qualify for the Homefinders new home rebate.
Purcellville: PRICE REDUCTION. Was $950,000 REDUCED to $804,500. $704,000,
$699,990.
$704,000. Now $699,990. Yes and the Homefinders.com REBATE is $7,000.
Priced to sell and under construction. This spectacular home offers 4 Bedrooms, 3.5 Baths, Brick Front, 3 Car Side Load Garage, Morning Room off Kitchen. Gourmet Kitchen with Granite Counter Tops, Private Veranda off Owner's Suite; all on a lovely 3+ acre lot. Call Lenn to see, 800-711-7988, E-Mail. Home qualifies for Homefinders new home REBATE. For more featured homes, see Homefinders.com. Homefinders.com works with all major builders to help you find the best home in your qualifying price range.
CONTACT LENN HARLEY for timely real estate information for any area in the Maryland or Northern Virginia market area. Homefinders.com is on top of market values and the latest in SOLD stats to help us help YOU get the best home for the best price.
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LOOKING FOR A LUXURY HOME IN MARYLAND OR VIRGINIA?
If you are in the market for a luxury home in Maryland or Northern Virginia, we'll help you find a home with spectacular interiors. Our new home specialists are in the field and surveying luxury homes on a regular basis to know the best lots, the best floor plans that builders offer. Luxury homes are a specialty and we know the communities, the builders and can help you find that special jewel.
Popular luxury communities include Great Falls, Vienna, McLean, Fairfax Station, Reston in Fairfax County. Luxury areas in Loudoun County include Leesburg, Purcellville, Waterford and Lovettsville. Luxury communities in Prince William County are in Manassas, Gainesville and Haymarket. Luxury areas close to DC are Arlington and Old Town Alexandria.
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HOME PRICES FOR REAL ESTATE IN MARYLAND AND NORTHERN VIRGINIA IS DOWN TO THE 2002 (approx.) PRICE RANGE.
Our sales reports for JULY 2008 show contracts with home prices negotiated down by approximately 10%. This on homes with list prices already reduced. Our buyers have buying power because of the high home inventory and many owners' need to sell.
Take a tour of homes in Maryland or Northern Virginia with our experienced broker agents and see the many home value available to smart home buyers in 2008.
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New Home Construction - Homefinders.com Maryland Buyers Agents are familiar with the locations and specialities of home builders in Maryland and offer support from search to settlement. New home buyers working with a Homefinders.com agent will see all new home sites in their price range and location of choice. Most new homes in Maryland are sold from model homes and floor plans. Homefinders.com agents are familiar with the value of upgrades, lot choices, new home financing and resales in the communities.
NEW HOME COMMUNITY IN LOVETTSVILLE NEW TOWN CENTER. PRICES BEGIN AT $294,990.
New Homes under construction.
New homes under construction in Lovettsville Town Center. Prices begin just under $300,000. Call Lenn for a tour. Ask about the Homefinders.com New Home Buyers REBATE. Rebate for the homes about, $3000.
FEATURED NEW HOME IN PURCELLVILLE, VA. NOW PRICED AT $704,000. Discounted $200,000 for quick sale. $10,000 Closing Help. 4,300 square feet of beauty on 3 acre lot in Purcellville. Gourmet Kitchen with Granite Counter Tops, Stainless Appliances, Stone Fireplace, Hardwood Foyer, Kitchen, Powder Room. Home scheduled for delivery in 7 months from contract. Homefinders.com REBATE $7,000.
RESALE HOME PRICES ARE DIFFERENT FROM COUNTY TO COUNTY DEPENDING ON PROXIMITY TO WASHINGTON, D.C.
Average resale home prices for the most requested home is a 4 bedroom, 2 full baths or more home with a 2 car garage on an average 1/4 acre lot constructed 1980 or later. Homes constructed in 1978 or earlier, are in the "lead based paint" period and many home buyers avoid them. Of course, there are many older homes in wonderful communities that are very popular.
RESALE HOMES IN MARYLAND
RESALE HOMES IN VIRGINIA
Resale Homes - Homefinders.com Maryland Buyers Agents are experienced in the resale home buying process and will assist our home buyers every step of the way to settlement. Our agents diligently monitor every aspect of the home search; showing all homes in the price range and buyers choice of location, assisting our buyers with financing choices, home inspections, title process and anything else to provide our home buyers with a smooth transaction.
Anne Arundel, Baltimore, Carroll, Calvert, Charles, Frederick, Montgomery, Prince George's, St. Mary's Counties are our speciality and our agents are familiar with the real estate market, financing, inspections, settlement services and any other aspect of buying a home.
Visit Homefinders.com in Maryland and in Northern Virginia Your Guide to buying a home in Maryland or Northern Virginia Lenn Harley, Broker for Homefinders.com completed the original e-PRO course of instruction, certifying that we, as an e-PRO Broker, is dedicated, able and qualified to use technology to help me serve home buyers in Maryland and Virginia. Less than 2% of agents and brokers nationwide are certified e-PRO pros. We aim to be in that 2% of technologically aware agents to better serve you.
WHO WILL BENEFIT BY WORKING WITH A HOMEFINDERS AGENT? ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~
FIXER UPPER HOMES FOR REHAB AND HOME IMPROVEMENT IN MARYLAND AND NORTHERN VIRGINIA
ALL THE HOME BUYER NEEDS IS A VISION
To tour fixer upper, foreclosures, vacant homes in need of rehabilitation, call Lenn, 800-711-7988.
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HORSE FRIENDLY PROPERTIES IN MD AND VA.
Many properties in MD and VA are outfitted for horses with barns, stables, paddocks, training rings, walking trails and more.
Northern Virginia and Maryland offer many properties with acreage and improvements suitable for horses. Northern Virginia has many horse properites in Loudoun, Prince William, Stafford Counties. Maryland has popular horse friendly properties in Frederick, Carroll and Baltimore County, all within commuting distande of employments in closer suburban areas and DC.
Contact Lenn for a listing of horse friendly properties in your favorite area. Photo shown is a horse farm in Purcellville, Loudoun County, VA. Horse adoption opportunities at the Loudoun County Animal Shelter are available. Contact Lenn for information and directions. 800-711-7988.
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SOME OF OUR BUYERS WHO SOUNDED OUR PRAISES. Thanks folks.
Lenn
We're coming up on the end of our first year in our new home, and it has been wonderful. I just wanted to drop you a line and thank you again for all you did for us. When I look back on everything we had to learn and re-learn after being out of the country for so long, I realize just how lucky we were to have found you. I still give your name to anyone I know who is considering relocating to the VA/MD area, and I will continue to do so as long as you're in the biz! Hope you are doing well - all the best! - Tiffany (& Joe and the kids) 08/27/09
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Ms. Lenn Harley Homefinders.com
Dear Ms. Harley:
I would like to thank you for connecting my daughter and I with Joyce, a realtor who works with Homefinders. Natasha began looking for a place to purchase after her roommate became engaged and set a September wedding date. Initially, we were simply planning to go out to assess the real estate market, and to see whether Natasha could find a place she liked in her price range.
Joyce came with several suggested locations on the first Saturday we met. Although I had thoroughly researched sales on your website, Joyce's knowledge of the area was invaluable. The condominium unit my daughter finally purchased was one I had passed over. Joyce's intimate knowledge of the community was what led us to the location. We had no intention of settling on a place immediately, but Natasha found exactly what she wanted that first day.
During negotiations and contract preparation, Joyce guided Natasha and assisted in preparation of the offer. She also referred her to a lender which offered excellent financing. The result was that both Natasha and I were exceptionally pleased with all aspects of her purchase experience. It would not have been the same without Joyce in our corner. I felt that she looked out for my daughter as if she was Joyce's own family member. When I mentioned to an associate that Natasha was purchasing her condo, she remarked that she wished her son would also consider buying a home. Joyce's name immediately surfaced, and I advised he would be in good hands working with her if he purchased a home in her area.
The fact that your organization has such skilled associates is commendable. Natasha goes to settlement at 11 a.m. today and it would not have happened without Joyce Dawkins. Thank you.
Sincerely, s/
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Lenn, you did it again! ! Thanks for helping Sharma and me find this wonderful home. Don't even think of retiring. Our new daughter will be school age in a couple of years and then we'll call you to help us find THE BIG HOUSE. Lauren Francis. ==========================================================================================Ms. Harley, Just a quick word to let you know that we used the home warranty you gifted us with. I called them like you told me to and they were here the next morning and fixed the air conditioning. Thank Joyce for her hard work too. And thanks for sending me to Tim to do our loan. Everything went so smoothly. Lauren.
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Lenn and Joyce. Thanks for helping us get those repairs done in our home. I know the seller didn't want to do anything. Your persistance and knowledge made the difference. I don't know why anyone would buy a home without their own agent. This taught me a good lesson. Rahma Family. ======================================================================================= Dear Homefinder. I don't usually write letters, but in this case I want everyone to know how hard you and Jim worked to help me get my new home. It's hard when one is out of the country. But, your management of my purchase was admirable. My family and I are very pleased with our home in Stafford. Paula and Steve ======================================================================================== Mrs. Harley. Thank you very much for helping my wife and me get our home financed. I didn't believe that anyone would give us a VA loan after the last one. We love our home and we'll be in touch with you when my brother is ready. George and Lovie ======================================================================================== Hi Lenn. This is a long overdue note of thanks for your hard work helping me in find my home in Damascus. I never dreamed that an agent could make so much difference. Thanks for setting me straight about the lender and title company. You saved me almost $3,000. I am very happy with my home and, as you said, those tulips did bloom. John ========================================================================================= Ms. Harley and Jim. Thank you very much for all of your hard work. Not only did you sell my home but you worked for a solid year to help me find the home for my family. Julie is very happy not working in the city any longer and loves living in the country. I believe we're in our last home until our children are grown, but I'll remember you whenever the word real estate agent is mention. Thanks again. Richard. P.S. Thanks for your patience. ========================================================================================= At last Lenn, we have our new home and it's everything you said it would be. We're still waiting for a shower part but we love our new home. Please come to our house warming in March. We want to introduce you to our new Virginia friends. Hanna loves her new school. She's grown in the past 8 months and loves her new home. Thanks again and we'll see you soon. Mark and Sue. ======================================================================================== Len Harley. Please accept our gratitude for your hard work helping us make our dream come true. The dogs are enjoying the yard every day. OUr commute is less than 30 minutes and that's a real improvement over driving from Frederick County to Chantilly. Stay in touch and we'll see you in about 5 years. Deb.
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November 15, 2007 Lenn: Thanks for the photo album. I'm thankful you're getting the photos for me while my family is still in London. It won't be long now and my wife and boys will be in town. I've been sending the photos to them to keep them up to date on progress with construction. Please come by any time after the first of December and meet the family. My wife is anxious to meet the "lovely lady I've spend so much time with here". Matthew 
January 18, 2008.
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THANKS LENN for guiding us to Round Hill. We appreciate your looking out for our mortgage. Now that we own the lot, we can't wait for our builder to finish our house. I know we'll see you around. Joe said he saw you at our home site last week. Thanks for looking out for us. You were right. New homes are the best buy. We can't wait. March 20, 2008. Lenn. I am very please with our new home. I'm full of information about the house and the way it works. Everything is so beautiful. Just think, we'll be moved in in about a week. The walk-through was very thorough. Thanks for being there and giving me the information about the Propane and the sump pump battery. I will take your advice. I believe we have the best buy in Loudoun County. Thanks again. January 2008.
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Ms. Harley. We appreciate your help getting us grant money to help with the down payment. We just closed last week and Sandra was there with us. Your service is so good for first time home buyers like us who needed an experienced agent. Thank you for your help getting the grant money and for Sandra. Joe and Yolanda. July 2008.
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Lenn. Thank you for your patience. Mr. and Mrs. Kim.
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Ms. Harley. Please accept tanksfor helping son with home. He is school now and like home. Daughter will be coming ot US first month 2009. Please find condo for her. Will pay cash too. Min.
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Home Finder Harley. Jim helped us just as you said he would. We love our home and the kids are happy in their new school. The dog is still barking but it's getting better. Yesterday, he caught a bird in the back yard. We love living in the country. Come by over the holidays. We have a thank you under the tree for you.
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Lenn. What would we do without you? Now we know what it cost us to live on our credit cards for 4 years. Thanks for giving us the hard facts. We're happy being out of debt and we're happier with our new home. Our daughter loves it that she didn't have to change schools. We'll be in touch in a couple of years when we buy our dream home.
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THANK YOU from the bottom of my heard for helping me with my dream home. Not only do my children and I have a home now, so does my horse. The mower works fine and I'm in heaven. Now, get your fishing license and see if there are any fish in this pond.
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Lenn. We are so pleased with our home we cannot begin to thank you. Your attention to detail was amazing. I knew when I read your blog that we had an agent that knew what they were doing.
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