frederick county real estate for sale: $1,500 Tax Credit for Home Improvements? GET SOME GREEN FOR GOING GREEN! - 03/11/10 10:04 PM
 What's this?   Free money for those individuals who own a home and want to improve it?  YES!!!   If you were already planning to do a little remodeling this spring make sure to include a few projects that will not only make your home more EYE-ppealing but more energy efficient as well.   Uncle Sam says that if you choose projects that make your home GREEN, he will send you a little GREEN in return!    You can get up to $1,500.00 back or 30% of your improvement costs in the form of a nice little tax return!   SO what is on the list?   Windows, … (0 comments)

frederick county real estate for sale: HOUSING CRISIS? Think RETIREMENT CRISIS! I HOPE YOU LIKE RAMEN NOODLES! - 03/09/10 10:24 PM
Uncle Sam has launched a new campaign to boost up, educate out, and encourage us to rebuild our retirement savings through 401K's, IRA's etc.     Great Right?  Well here is the problem!  How many of us took a huge hit on our savings? How many of us took money out of savings because things are so tight?  How many of us didn't have savings to begin with but thought our HOUSE would offer security? How many of us are just thankful to have a minimum wage job????   
 Every morning my two year old wakes up and comes running into my living room … (2 comments)

frederick county real estate for sale: MAN BULLDOZES HOUSE WHEN SENT TO FORECLOSURE! - 03/07/10 09:47 PM
 Something special for Monday!   We have all wanted to do it, and yes some of the houses NEED IT, but to go ahead and push over your house so the bank cannot get it . . . well perhaps the message will get through LOUD AND CLEAR!   Peoples backs are against the wall and sitting on HOLD to talk to customer service representatives who a. DO NOT CARE, b. DO NOT UNDERSTAND YOU, c. HANG UP ON YOU BECAUSE THEY CANNOT OPERATE THE PHONE SYSTEM . . are driving people to extreme measures. 
Check out the video below and see how one man took matters … (2 comments)

frederick county real estate for sale: Consumer Finance Protection Agency= Give your loan a "FRESHNESS GUARANTEE" - 03/04/10 10:56 PM
 President Obama introduced this Bill in July with the hopes of putting a "nutrition label" on basic consumer finances . . credit cards, taxes, loans.  This agency is supposed to make sure that consumers are protected from harmful financial choices and are educated about the products they purchase.  This sounds like a GREAT IDEA Right?  Well it depends on who is in charge. . . . Should be make this a section of another agency?  Should this be an independent agency?  Should the Federal Reserve have a hand in it?   
 Below Representative Brad Miller, Democrat from North Carolina comments on what … (0 comments)

frederick county real estate for sale: Sorry! I'm going to throw a politician under the BUS! - 03/03/10 10:26 PM
The housing crisis . . its on the minds and hearts of us all!   The core of the problem?  Many of the very people we have elected to STOP and SOLVE the problem do not GET the big picture!!!!   This is why it is so important that REALTORS and MORTGAGE professionals alike take the time to send out BLOGS, EMAILS, make phone calls and just talk up what is really going on out there?     How many of you know that the Federal Reserve is a privately owned business ?   Yes it is owned by privately ran banks . . wait a … (3 comments)

frederick county real estate for sale: Kiss Saturday Mail Delivery GOODBYE!!!! - 03/01/10 10:04 PM
 Our office is located in downtown, OLD TOWN Winchester Virginia.  Like many communities our mail is hand delivered by a fit and friendly postal worker who KNOWS US and we appreciate his smile with our mail.   The postal service has been riding a collission course to financial disaster for several years now and its about to hit the wall!  
 The annaul stamp hike has been a symptom of a broken system and now Saturday mail delivery is at risk.  The service has made serious efforts to become competative with UPS and FED EX with its cool online click and ship and … (6 comments)

frederick county real estate for sale: Fannie Mae and Freddie Mac Do not Count! . . Really???!!! - 02/28/10 10:27 PM
  Apparently when we were planning our budget we left a few things off the list . . . its kind of like showing your college budget to your mom and dad, asking for more cash, but you had left your"Starbucks habit" off the sheet!   Numbers can be presented many different ways, but shouldn't this have been pointed out before now?   This article points out several other "highlights" . . . that you may or may not be aware of.   Enjoy the article over your coffee . . but beware it might end up on your computer screen!!
For more information … (0 comments)

frederick county real estate for sale: Who is getting an FHA LOAN? - 02/23/10 09:55 PM
 According to recent statistics presented on capital hill, almost 30% of all home purchases are funded by FHA loans.  Of that 30% , about 80% are FIRST TIME HOME BUYERS!!   Why?  Small banks are not lending!   The FHA loan was designed to serve the under served . . . now its a staple in our industry.  Much like the USDA rural housing loan ( the last of the 100%),  these loan programs are being used to get the job done because banks are not willing to give up their bottom line yet . . Check out the CNN article below and get … (3 comments)

frederick county real estate for sale: Bankruptcy: Part III - 02/14/10 10:33 PM
Life After Bankruptcy
OK so you made it through the system. Now What?   Start to rebuild and make reasonable goals for yourself in the future.   One of my favorite financial websites has a TON of information about credit, interest rates, all kinds of financial calculators and much more.   Check out this article on Bankruptcy.
You will find a step by step guide to getting on track with your finances.  I think its important to keep your budget and your goals in the forefront of your mind.  If your goals are to find a home in the next two years, … (0 comments)

frederick county real estate for sale: Bankruptcy: Part I - 02/08/10 07:06 AM
Millions of Americans are considering this option because of the current state of the economy and the effect it has had on their wallets AND their credit.   Bankruptcy may seem like the easy answer, but IT is a long process that will stay with you and your family for years to come.   In my next few posts I will be going over basic information, but ALWAYS check with a local attorney for state specific details. 
1.) HOW DID I GET HERE?  You will need to seriously think this out and document it in a time line fashion.  This will not only … (0 comments)

frederick county real estate for sale: Short Sales Winchester Virgninia - 09/22/09 11:02 PM
Recently I have had several clients whom I have meet with in the past year about short sales contact me again ready to try the process.   Why?  Because their LOAN MODIFICATION DID NOT HELP!!!    I am not writing this post to deter anyone from trying a loan modification to keep their home. I am writing this post because I want to again stress that loan modifications only work if you have the income to support the modification.  Unfortunately if you loose half of your income (spouse looses job), and your mortgage payment is half of your income, even if  your lender … (1 comments)

frederick county real estate for sale: Winchester VA Real Estate for Sale, Frederick County Real Estate for Sale Follow Me on Twitter! - 08/12/09 02:10 AM
Quick post on the whole twitter idea. OK so I'm actually new to twitter. I get the idea micro blog what you are doing through out the day, network with associates, catch up on news and blah blah blah. Its another avenue to let the public know what you do (SHORT SALES!) I like to announce new listings, updates on files, fun places for lunch, what I had for breakfast, and my personal favorite . . "RATIFIED CONTRACT!" Twitter Updates follow me on Twitter Please join me . . I promise to say something interesting AT LEAST once a week! I … (0 comments)

Rachael  Hite (Finance of America Mortgage Winchester VA Branch NML#1071)

Rachael Hite

Winchester, VA

More about me…

Finance of America Mortgage Winchester VA Branch NML#1071

Address: 2113 Valley Avenue, Winchester, VA, 22601

Office: 540-542-6155

Mobile: 540-539-0100

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