first time homebuyer: FIVE SMART REASON TO BUY A HOME NOW!! - 07/30/10 04:17 AM
Five Smart Reasons to Buy a Home Now … (0 comments)

first time homebuyer: FHA 203K Loan - 07/14/10 04:51 AM
The FHA 203k loan is designed to help build neighborhood revitalization by helping individuals finance the repair and upgrade of their home.  To qualify, the structure must be a single-family house, more than a year old with one to four bedrooms.  Contact a FHA-approved lender for additional information and qualifications.
First, an energy audit must be completed by a qualified professional, who has been approved by the lender.  Based on the audit report, the homebuyer can choose which improvements to make.  However, installation of smoke detectors and upgrading the heating and cooling system to a more efficicent level may also be … (2 comments)

first time homebuyer: Calculate Your Income vs. Debt - 07/12/10 03:21 PM
Most lenders don't want you to take out a loan that will overload your ability to repay.
By John Adams
As you think about applying for a home loan, you need to consider your personal finances. How much you earn versus how much you owe will likely determine how much a lender will allow you to borrow.
First, determine your gross monthly income. This will include any regular and recurring income that you can document. Unfortunately, if you can't document the income or it doesn't show up on your tax return, then you can't use it to qualify for a loan. … (0 comments)

first time homebuyer: Nine Steps to Homeownership - 07/12/10 03:07 PM
The steps for purchase are as follows:
•·      Determine how much you can afford
•·      Know your rights
•·      Shop for a loan
•·      Learn about programs to help you buy
•·      Look for your perfect home
•·      Make an offer
•·      Get a home inspection
•·      Shop for homeowner's insurance
•·      Close on your new home
For more detailed information ask

first time homebuyer: On your road to home ownership - 07/12/10 03:03 PM
Educate yourself on current market conditions and loans available, as these change with time.  Learning about all the options available will help you make the best financial decision.

first time homebuyer: Tricks to Keep Your House Cool this Summer - 07/04/10 04:32 AM
Tricks to Keep Your House Cool this Summer By Paige TeppingRISMEDIA, July 3, 2010--
As the temperatures continue to rise this summer, so does the cost of keeping your home cool. While homeowners across the country come to depend on air conditioners to keep the temperature down during the warm summer months, there are other options that will keep you cool while keeping your energy bill low. Fans and ceiling fans
-If you're looking for ways to beat the heat, a ceiling fan can be a great investment for your home. This one appliance can make a room feel 6 or … (1 comments)

first time homebuyer: Fannie Mae Launches New Series of ‘Five-Step’ Guides to Help Educate Homeowners and Potential Home Buyers - 06/26/10 03:00 PM
RISMEDIA, June 19, 2010—Fannie Mae recently launched the first three in a series of “Five-Step” guides, offering useful information for current homeowners, those interested in purchasing a home and homeowners who may be struggling with their current mortgage... more Fannie Mae Launches New Series of ‘Five-Step’ Guides to Help Educate Homeowners and Potential Home Buyers | RISMedia … (2 comments)

first time homebuyer: 30-year Fixed Rates Continue Month-Long Decline - 06/26/10 02:34 PM
RISMEDIA, July 15, 2009-The weekly average rate borrowers were quoted on Zillow Mortgage Marketplace for 30-year fixed mortgages decreased...(click below for full article) 30-year Fixed Rates Continue Month-Long Decline | RISMedia … (0 comments)

first time homebuyer: Gorgeous Home in Kempsville - 06/08/10 03:25 PM

Joy Bonney (The Real Estate Group)

Joy Bonney

Chesapeake, VA

More about me…

The Real Estate Group

Address: 1112-F Eden Way North, Chesapeake, VA, 23320

Office: (757) 410-8500

Mobile: (757) 407-5463

Email Me



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