Heather Embrey's Blog

Real Estate Agent - Better Homes & Gardens Premier - VA 0225101026



HUD announced a decrease in upfront premiums and an increase in annual premiums for FHA Mortgage Insurance case numbers assigned on or after October 4. While this will save your buyer $ upfront it will cost them on a monthly basis.  Plus the upfront fee is usually financed so it did not necessari...
I try to send out a snail mail piece to my SOI at least once a month but who really has time to come up with something witty every month?  I have begun letting my clients do the "writing" for me!  With their permission of course, I use the comments that they include in my service evaluation form ...
With the dawning of HVCC, the consumer now pays more for appraisals, the appraisers get paid less and the AMC middle men are turning a pretty  profit.  While I realize there may be a need for some type of  AMC model,  I wonder why we even need to petition for something as obvious as this.  Banks ...
I have closed several new home construction deals and have picked up a few tips I would like to share with you: 1. REALTORS can show you new construction homes!  If you would like to have buyer representation, you need your REALTOR to accompany you on your very first visit to the community or the...
I have heard many times that foreclosures are on the rise.  These media clips warn of the impact all of these REO's will have on home values.  They tout the abundance of shadow properties.  Well, all I have to say is...BRING IT ON!  I just searched our MLS for detached REO properties that sold in...
I HATE to gripe, but I gotta know if I am just expecting too much from buyers now-a-days.  I received a relo referral and began working with a gentleman whos wife had not moved to the area yet.  I showed him a bunch 'o properties knowing that the wife would need to see them as well before they ma...
Click here to find out the details of any neighborhood.  I send my clients here all the time and they love it.  If you are a Buyer or Seller, check it out! AGENTS: This is also usefull in preparing your supplemental report for appraisers!  Be sure to take the lockbox off & meet the appraiser face...
In this market, we have to be able to think outside the box.  A lease w/purchase option isn't for everyone, but may be a great option for a buyer who has found THE house they must have but they require a Sale-of-Home  (SOH) contingency or they need additional time to come up with a down payment. ...

Heather Embrey

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