Sheila Zelghi's Blog

Designing Backyard Shade Structures

Sheila Zelghi (Samson Properties) — Sun, 06 Jul 2014 23:38:31 -0700

In the midst of summer's sweltering heat, nothing provides relief like having a shady spot for relaxing. Backyard shade structures also help keep your outdoor furniture from fading. If you want to add a shade structure to your yard, explore the variety of options available and customize the design based on your needs. Design Considerations How do you envision your backyard retreat? Here are some factors to consider: Location: If you wish to erect a shade structure that relies on flat ground, select an area that needs little leveling to reduce labor. Look at your backyard and consider the amount of work necessary to prepare the ground. Also consider the height of the structure and any obstructions. Nearby trees or fences may limit your options. Never build or plant anything that may interfere with underground structures and utilities, such as a septic tank, plumbing lines and buried cables. (Call 811 to request assistance.) Shade Level - Spend some time in your backyard, observing the amount of sun and shade available at various times of the day. In areas of intense sunlight you may want a more solid structure, and in hot climates you may desire greater yard coverage or shade attached to the house. In other areas you may want limited shade and materials that provide partial sunlight. Climate - Consider the weather when designing your backyard shade structure. In northern areas that receive a lot of snow, a flat roof won't hold up well. In areas of high winds, other choices may not be sturdy. Think of how your selection will resist the sun, rain, snow and wind in your area. Intended Use - Choose a shade structure that best fits all the uses you envision. Pool areas don't require much shade, for instance, so umbrellas, shrubs and vine-covered structures may fit best, while a covered patio where you wish to barbecue needs to allow smoke and odors to rapidly dissipate. Also consider young children, pets, and elderly users when selecting and designing your shade structure. Your Budget - One of the most important steps when planning any home project is drawing up a budget. Without a budget, it's easy to spend more than you want to. Use your budget to help guide your shade structure selection. Factor in the cost of labor if this is not a DIY project. Choosing a Shade Structure You might be amazed at the variety of shade structures available. Depending on your personal style, you can choose: Shrubs and Trees - The original shade structure, they also help purify the air. Keep in mind that as they grow the shade will increase. Awnings and Screens - Choose between retractable awnings that connect to the house or removable ones attached to a permanent frame. Retractable models may also be electric and employ sun or wind sensors. Screens work well around patios and enclosures. Shade Sails - Like large, colorful sails on a sailboat, shade sails anchor to the house and other support structures. Make your own version with canvas and grommets if preferred. These are easily customizable. Trellises and Pergolas - Choose ladder-like trellises or even pergolas – monkey bar-like structures made of beams – to marry a structure with vines and other greenery. Gazebos and Ramadas - A stand-alone structure, a covered gazebo may feature seating and other options. Ramadas are typically square or rectangular with open sides. No matter what you decide on, try sketching your design first. If this is a DIY project, make a list of materials needed based on your plans. Research the project and check to see how to anchor it properly. Always determine what, if any, building codes apply to your installation and if building permits are required. Visit your local building authority for further information. For more information, please contact me at 703-340-7096 or email at sheilad@homes4saleinDC.com Www.homes4saleinDC.com*Image came from Google images*

DIY Patios: What to Consider When Designing a Patio

Sheila Zelghi (Samson Properties) — Thu, 03 Jul 2014 01:00:02 -0700

Adding a patio to your home is exciting. It's the perfect place for relaxing outdoors, alone or with company. It's not as simple as finding a patio you admire and duplicating it. You have to design a patio that will work with your location, budget and other factors. Here are some things to consider when designing your patio to ensure it suits your needs while expressing your personality and style. Patio Location Don't be afraid to think outside the box when it comes to location. No rule says a patio has to adjoin the rear of the house. You may prefer placing it in the front yard, or off to the side instead. A beautiful "destination patio" in the middle of the backyard with a pathway leading to it may fit your home and lifestyle perfectly. When deciding on your patio location, keep in mind other design considerations such as the size, how you plan to use it, and how much sun, shade or climate protection the location offers. Even the land itself influences the patio location. A more level area, free of underground lines, requires less work to prepare. (Always call 811 before digging. Utility companies will dispatch and mark underground items for you.) Don't forget the view, either. Plan on laying out in your swimsuit? You may want a more private location. Socializing with the neighbors allows for a more open setting. How Will You Use the Patio? Just as important as the patio location is how you plan to use it. A patio meant as a private retreat may not be very relaxing next to a full, active house, for example, while a patio meant for dining and cooking works best closer to the home. Do you plan to host small, intimate gatherings or do you have a large family? Will children and pets regularly use the space? Rather than a flat, simple rectangular patio, would you rather have various areas, perhaps with different shapes or levels, to create groupings for different times and purposes? Look for patios you admire to spark your design ideas. Patio Size Size is everything. Depending on your budget, you may have to limit the size of your patio, change the layout or compromise on special features. Don't think of your patio as a one-time chance to get it right, either. You can always keep the design expandable and add the extras later, as money permits. Create a Budget Your budget will impact not only the size and layout, but also the building materials you choose. Don't assume that a limited budget means your patio has to be plain. Even concrete can be made beautiful with stains and special finishing techniques. Brick allows for a richer color variation, and pavers can create an old-world feel. Once you have determined the patio size, location and layout, it's much easier to price the materials needed. Consider adding graceful curves, beautiful planters or special borders to make up for less-fancy materials. Decide on Extras It's the furnishings and features that make a patio your favorite place to hang out. Also consider any irrigation, drainage, landscaping and lighting you want to include. It's much easier to run pipes, lines and cables now, before the patio is built, than later. Other options include: A fire pit A built-in grill (or space for your portable grill) A water fountain or pool Built-in seating or flowerbeds Steps and railings A roof and screened-in areas Walls or fences A built-in kitchen or bar As you plan your patio, look for other patios you admire and modify the elements that catch your eye to suit your own design. Designing and planning your new patio is really the fun part. Well, other than the hours you will spend enjoying the end result! For more information, please contact me at 703-340-7096 or email at sheilad@homes4saleinDC.com Www.homes4saleinDC.com *Image came from google images*

Fairfax County School Board Approves Full-Day Mondays

Sheila Zelghi (Samson Properties) — Wed, 02 Jul 2014 01:00:03 -0700

Dear Readers, You might not know this, but my children are a part of the Fairfax County School system. For this entire school year I have been running to Fairfax like a crazy person to try and pick up my girls on time from the bus stop. They had made it so that elementary school got out around 1:30 on Monday's so that the rest of the day could be a sort of teacher work day. Finally the Fairfax County School Board approved a long awaited change to the calendar of its elementary schools. It will cut out the shortened Monday and it will allow 20 minutes of recess for the children. This plan will also not hurt teachers, because it will give them 300 minutes per week of planning. All of this will start this September when the kids go back to school. A consistent length elementary day also provides an opportunity for a school year calendar that builds in things like holidays, a full two weeks for winter break, and administrative and teacher planning days throughout the year. The calendar change also solves the challenge of meeting the annual 990 instructional hour requirement in state law, which Fairfax County Public Schools (FCPS) does not meet under the current shortened Monday schedule. Instead, FCPS has met the state requirement of a 180-day calendar, which resulted in sometimes having to add days to the end of the school year to make up missed days due to inclement weather. The new uniform elementary schedule will eliminate making up inclement weather days at the end of the school year if fewer than 13 days are missed. This change is a great advantage to teachers, because it also will create job openings in areas like World Language and other instructional subjects to make more planning time for the teachers in the schools. Here is what the Chairman of the School Board had to say about this change: “After surveying both parents and teachers, we saw that parents overwhelmingly supported this change—and as soon as possible,” said Ilryong Moon, School Board Chairman. “In addition, elementary teachers have consistently cited in our working conditions survey that they need guaranteed, self-directed time for planning.” Details on the new 2014-15 calendar can be found here: http://www.fcps.edu/about/14-15cal.shtml For more information, please contact me at 703-340-7096 or email at sheilad@homes4saleinDC.com Www.homes4saleinDC.com *Image came from google images* *All of the information above came from an email sent by Fairfax County Schools*

3835 9th St North Arlington, VA

Sheila Zelghi (Samson Properties) — Sun, 29 Jun 2014 23:50:49 -0700

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3835 9th St North

Arlington, VA

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Welcome Home to Your Ballston Condo!

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2 BEDROOMS

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Private Corner 2BR/2BA Unit w/ tons of light & Balcony overlooking Pool!NO NEIGHBORS TO RIGHT OR TOP OF LR. Kit w/ Silestone, brkfast bar, gas cooking. New Bamboo Hrdwd Flrs in LR/DR/Hall. New stain-resistant crpt in BR's! MBR WIC w/ Elfa closet organizer, MBA w/ jacuzzi tub! Grt amenities: Fitness Ctr,Extra Storage, Pool! 4-5 Blocks to Ballston & VA Sq Metros!

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Confused About VA Loans? Find Out What Veterans Should Know

Sheila Zelghi (Samson Properties) — Sun, 29 Jun 2014 23:18:13 -0700

*Image found in Google images* Fans of late-night TV will recall the infomercials of a few years ago, hawking zero-down loans. Those loans, along with loans requiring no documentation, were being handed out like candy to anyone who applied, and were largely blamed for the mortgage industry implosion. In the wake of that mess, mortgage lenders tightened standards. Lenders began demanding that homebuyers needed some skin in the game - a healthy down payment - to make them think twice about defaulting on the loan. Zero-down loans became a memory. Today, you have three choices if you're seeking a mortgage without a down payment: Navy Federal Credit Union, The U.S. Department of Agriculture (with no-down loans for very low-income borrowers who agree to live in rural areas), and the Department of Veterans Affairs (VA). "The VA loan is the best mortgage around," according to Envoy Mortgage's Nathan Raich. "Not only will you not be required to make a down payment, there's also no mortgage insurance requirement, which makes the loan even less expensive. Finally, borrowers typically get a lower interest rate with a VA mortgage than with a conventional loan," he concluded. Eligibility Requirements Eligibility for a VA-backed loan includes what the VA calls "suitable credit" and sufficient income to make your payments every month. You'll also need a valid Certificate of Eligibility (COE), which in many cases your lender can obtain for you. Separation from the service must have been under conditions other than dishonorable. Additionally, you must plan on occupying the home as your personal residence. VA Entitlement When buying a home for the first time, many veterans are confused by the process. One of the most confusing aspects of the loan is the VA entitlement. Basically, the entitlement is the amount of money that the VA agrees to pay the lender if you stop making payments and default on the loan. Here comes the confusing part: The basic entitlement amount is $36,000, but there is a secondary entitlement as well - $68,250, according to Veterans United. The secondary entitlement kicks in only if the purchase price of the home you wish to buy exceeds $144,000. How they come up with these amounts only causes more confusion, but it has to do with the amount that the VA guarantees, which is one-fourth of the loan amount. Once you use the entitlement, it can't be used again until the loan is paid off or another veteran assumes the loan and uses his or her entitlement. Loan Limits Although the VA doesn't set loan limits, since it has limits on its liability (one-fourth of the amount of the loan), lenders may set a cap on the amount a veteran can borrow. They typically set the cap, for a loan with no down payment, at four times the veteran's available entitlement as long as he or she otherwise qualifies for the loan, according to the Veterans Administration. The Home-Buying Process Other than VA-specific paperwork, purchasing a home using a VA loan is very much like purchasing a home with a conventional loan. Your first step will be obtaining loan preapproval. This is the step that requires your COE. You'll find a chart listing service requirements that need to be met for obtaining a COE at the VA website. Once you have your preapproval letter in hand, it's time for you and your real estate agent to begin searching for a home. When you find a home, your real estate agent will insert a contingency in the purchase agreement stating that your offer is subject to final approval for a VA loan and a successful VA appraisal. Your lender will obtain a VA number for your loan, which is used to track your loan application. The lender will also send a VA form to a state-licensed VA appraiser who will determine the home's current market value. The VA has what they call minimum property requirements, or MPRs. Here are a few items the appraiser will be looking for: Adequate space for living, sleeping, cooking and dining, and sanitation. The safety of all mechanical systems. They must also have reasonable future utility. Hot water and a continuing supply of safe drinking water. A safe way to dispose of sewage. The roof must be free of leaks. Adequate attic access and ventilation. These are the basic MPRs and, although it seems as if the appraiser is giving the home a thorough inspection, the appraisal does not replace the need for a home inspection. The best place to get answers to your questions about a VA loan is at your lender's office or by calling a Department of Veterans Affairs Regional Loan Center. For more information, please contact me at 703-340-7096 or email at sheilad@homes4saleinDC.com Www.homes4saleinDC.com

How to Give Your Bathroom a Spa-Like Feel

Sheila Zelghi (Samson Properties) — Fri, 27 Jun 2014 01:08:54 -0700

Nothing epitomizes pure relaxation more than the serenity and ambiance of a spa setting. The smells and sounds alone are enough to immediately calm the body and soul. Unfortunately, enjoying these luxuries isn't exactly a common occurrence. However, below are some great tips to help you modify your bathroom for a personal spa experience. Get ready to enjoy hours of escape and rejuvenation. The Calm Color Palette When selecting a color scheme, think nature, earthy and calming. Lighter color schemes provide a more airy, natural and relaxing feel. Neutral shades of light brown or beige offer an immediate connection to nature, and nothing says crisp or clean like bright white. Soft, pale shades of blue can also offer stress-reducing qualities due to their connection to the sea and sky. Don't Skimp on the Fixtures If you want to genuinely create a spa-like bathroom, this is not a time to penny pinch. A luxury bathtub is a must. Consider a Jacuzzi or other spa tub adorned with wood or stone accents that enhance that connection to nature. Proper placement of your spa with unobstructed views to the outdoors is also recommended for increased relaxation. Consider a custom-designed open shower constructed of textured tile or natural stone. Oversized, enclosed steam showers encased in glass are another great option. Choose vanities for your spa bath that are open underneath for stacking your crisp, white towels neatly. Baskets can also be utilized to house rolled towels in an orderly fashion. Select stone or other natural elements for your countertops, and consider vessel sinks for a more nature-inspired, spa-like feel. Lighting & Flooring Options Invite as much natural light into your spa bath as possible and install fixtures that emit soft, calming light. Consider recessed lighting, and install dimmers on all fixtures to ensure complete control over mood and setting. Select natural flooring options such as stone or tile. These materials invite nature inside and function well in a wet, humid environment. Setting the Mood Now that the basics are covered, create a tranquil setting by adding elements to relax the senses. Candles make a great addition to any spa setting as they emit a calming light and soft scents. Adding scented bath salts is another great way to enhance a relaxed state of mind. Add music to your spa bath. Soothing sounds such as rolling waves or a light drizzle in the rainforest also are great, peaceful options. Keep décor to a minimum as too much clutter can create a distracting feel. Houseplants seem to be a spa favorite as they add nature and help create a healthy environment. There are many elements to explore when creating a spa zone in your home. Before you begin, be sure to contemplate what is most calming to you. Take whatever design elements you want and leave the rest, along with the stress from the day, at the door. *Image found in Google images* For more information, please contact me at 703-340-7096 or email at sheilad@homes4saleinDC.com Www.homes4saleinDC.com

Good Credit but No Down Payment? There's a Loan for That!

Sheila Zelghi (Samson Properties) — Thu, 26 Jun 2014 01:20:34 -0700

*Image found in Google images* So, Warren Buffet spends more on dinner than you make in a month, and you've never required the services of an investment banker, but you have good credit and you long to own your own home. What if we told you that there is a mortgage loan program out there for people just like you and (here's the best part) it requires no down payment? Despite what you may have been hearing in the media about lenders tightening their belts and mortgage requirements becoming more stringent, the USDA offers a zero-down mortgage for folks who don't make gobs of money. History of the USDA Loan In 1944, the Department of Agriculture was reorganized and the USDA Rural Development program was born. It set about providing, among other things, rural housing loans that fell outside the jurisdiction of the farm programs handled by the Farmers Home Administration (FmHA). Today, the Rural Development agency makes direct loans, loan guarantees (similar to the FHA-guaranteed loan) and grants to low-to-moderate income families. The loans are used to rehab, build and purchase homes in rural areas. Homes Eligible for the USDA Mortgage The operative words for this mortgage are "rural development," meaning that the home must be located within a rural area. To determine if an area is appropriate for the USDA loan, enter the address at the program's website. Here are a few additional requirements: The house should be modest for the area in size, design and price. The home cannot have a swimming pool. The price of the home must be at or below the loan limits for the area. The home must meet certain standards set forth by the USDA's Housing and Community Facilities Program. USDA Mortgage Overview Breaking down the USDA's rural development program is a bit confusing as the department uses a numbering system to identify the various loans available. If you're in the market to purchase a home, the USDA program offers two options: a loan guarantee or a direct loan. This is the confusing part: They both fall under the label of the "Section 502 Loan Program." Your income will determine which loan is best for you. Both of the programs are for low-income borrowers, but the guaranteed loan has more flexible income limitations. Both loans are for homes located in rural areas (those with a population of no more than 20,000). If you own a home within 50 miles of the one you wish to purchase, you are ineligible for the programs. The Guaranteed Mortgage Loan The loan guarantee program, officially known as the Section 502 Guaranteed Loan, is similar to the FHA or VA loan in that the borrower obtains a loan from a lender and the government guarantees its repayment. USDA eligibility requirements for the guaranteed loan include: Income up to 115 percent of the area's median income. Proof that the applicant can afford to make the monthly payments. Reasonable credit history. Remember, this is what the USDA wants to see; the lender may have more stringent requirements. You must also agree to use a lender that is approved for single-family housing guaranteed loans. You can find approved lenders on the USDA website. The Direct Mortgage Loan The USDA program also offers a direct loan, known as a 502 loan. Instead of the borrower obtaining a loan from a lender, the U.S. government makes the loan directly. Eligibility requirements for the Direct Loan: This loan is reserved for those with low to very low incomes. Those with very low incomes must make no more than 50 percent of the area median income. To qualify as an applicant with low income, you must make between 50 and 80 percent of the local median income. Like the guaranteed loan, you must be able to prove that you can afford the monthly mortgage payments, including taxes and insurance. All applicants must first apply and be turned down for a conventional loan. Borrowers must have a "reasonable" credit history. Only U.S. citizens and legally admitted immigrants are eligible. The beauty of the direct loan, aside from the fact that you don't need a down payment, is that the USDA handles the closing, so costs are kept to a minimum. Loan terms are for 33 years (very low-income borrowers may be able to stretch the term to 38 years) and the interest rate is set by the lender. To find out more about USDA home loans and to see if you qualify, call an agency representative in your state. Contact information is listed on USDA's website. For more information, please contact me at 703-340-7096 or email at sheilad@homes4saleinDC.com Www.homes4saleinDC.com

Go Green: 5 Ways to Cut Your Energy Costs

Sheila Zelghi (Samson Properties) — Wed, 25 Jun 2014 01:12:44 -0700

1. Change Your Light Bulbs While lighting may not be your biggest drain on electricity in the home, it accounts for up to 20 percent of your electricity bill, according to the U.S. Department of Energy. By switching from traditional incandescent light bulbs to compact florescent lights (CFLs), you can save about 75 percent of the electricity used for each and every bulb replaced. Over the bulb's lifetime, that equals around $30 or more. That's a significant savings when you multiply it by the number of bulbs you use. Look for CFLs displaying the Energy Star logo for best results. Tip: Install motion sensor switches in rooms where family members often forget to turn off the lights. 2. Perform Regular HVAC Maintenance Up to half of the energy used in your home goes to your heating and air systems, depending on where you live and the condition of your home. Short of buying a new HVAC system with a better energy rating or fueled with an alternative energy source such as a heat pump – which requires a large upfront investment – proper maintenance will help your furnace or air conditioner use less energy. Clogged air filters force the system to strain and run more, driving up energy use and leading to more frequent breakdowns and repairs. Change your filters at least every three months or sooner if needed. If it looks dirty, it's time. Also, hire a qualified HVAC repair technician to give your system an inspection and "tune up" at least once a year to maintain efficiency and proper operation. Tip: Install a programmable thermostat to regulate home temperatures. Lower the temperature whenever you will be gone more than a few hours. 3. Seal and Insulate Your Ductwork An efficient furnace, good insulation and thermostat temperature settings only go so far to save you money. If your HVAC air ducts leak, you could be losing 20 percent or more of your heated or cooled air – you might as well leave a window open all year round! Not to mention that leaky ductwork can circulate fumes and gasses, such as carbon monoxide. This can lead to poor indoor air quality, aggravated health problems or worse, as the Energy Star website explains. Sealing and insulating your ducts is the solution. Use mastic (a glue-like sealant) and metal-backed foil tape to seal each joint and seam. Afterward, wrap the ducts with special insulation designed for ductwork. Tip – Insulate water pipes, especially the hot water, with pipe insulation for greater energy savings and comfort. 4. Stop Air Leaks Where is air invading and escaping from your home? Prime problem areas include around electrical outlets and light switches, door and window frames, entry points where cables and lines of any type run into the house through the walls or floor, and surrounding wall- or window-mounted air conditioning units. Also check around gas lines or pipes, fireplaces, attic access doors or hatches, and around any vent or fan. Outside the home, use caulk to seal corners in the siding and wherever two materials meet, such as around water faucets and dryer or stove vents, chimney-to-roof joints and the foundation top. Inside, weatherstripping, caulk and expanding foam insulation can work wonders. Tip – Don't stop here. Take a look at your insulation and determine if it's degraded and needs replacement or if it's adequate to reach your area's minimum R-values. 5. Unplug It! Perhaps 10 percent of your energy cost goes to "energy vampires" or "ghosts" that steal your electricity. These are appliances and items that use power even when they aren't actually on and working. Think of anything with a clock, timer, LED light or digital display. Even your phone charger keeps pumping electricity long after the phone is full if you leave it plugged in. To stop this useless drain, turn off nonessentials when you're done with them. Consider using power strips to plug in items and simply turn off the strip when you're finished. Tip – Look for the Energy Star label, which indicates energy efficiency, when purchasing home appliances large and small. For more information, please contact me at 703-340-7096 or email at sheilad@homes4saleinDC.com Www.homes4saleinDC.com

Tips for Decorating Small Spaces

Sheila Zelghi (Samson Properties) — Tue, 24 Jun 2014 03:00:05 -0700

City dwellers, college students, retirees and many others often choose to live in condos, apartments, lofts, or small homes. The key to maximizing these living quarters is to take advantage of the space that is available, making it functional while utilizing the right décor to create a roomier, airy feel. Here are some tips to help make this happen, wherever your small space might be. Choosing a Color Palette Choosing the proper color scheme is absolutely critical to small interior décor. Although obviously still a matter of personal preference, it's best to go with light colors throughout. It's not uncommon to see an entire space painted white or in shades of neutrals as these colors tend to create a much roomier feel. Other cool colors such as light shades of blue or gray can also establish this effect. Bolder color can be added in décor items or even as an accent wall. In cases where bolder wall color is utilized, an abundance of natural light should be present in order to maintain that larger, roomy feel. A lighter palette should also be considered when choosing flooring, cabinetry and even furniture. Lighter stains of wood, painted wood or tile and carpet selections help to further enhance the feel of a larger space. Let the Light In Natural light is the absolute best way to establish the feel of a much larger, airier room. Welcome the light into your space wherever possible, and do your best not to obstruct its path. Select window treatments such as blinds or sheers that easily open and close, welcoming in the sun during daylight hours but maintaining privacy at night. Hang your curtain rods high and choose curtains that hang to the floor. This aids in creating the feel of a taller space. Take Advantage of a Small Kitchen Space A smart kitchen design remains paramount to taking full advantage of a small space. Keep it open, light and utilitarian. Incorporate a breakfast bar with stools that tuck underneath neatly. Workspace and paths to the refrigerator, sink and stove should remain unobstructed and easily accessible. Consider stacking appliances if possible. A pull-out pantry and cabinetry with pull-out drawers can be useful when space is at a premium. To ensure you're taking full advantage of all cabinet and storage space, transfer large or bulky store-bought items to airtight containers or canisters for stacking. Consider a pot rack to further save on cabinet space and maintain a functional working space. Countertop items should also be functional and kept to a minimum. Decorating Any Small Space: Function First! Furniture, wall décor and storage capabilities are all critical considerations when decorating a small space. Choose furniture that serves a dual purpose. Utilize a large trunk or something comparable for a coffee table to provide precious storage space. Consider tables with leafs that can be stored compact and utilized in full when you plan for company. Table ensembles with benches also make a great option and utilize minimal space. Built-in dressers are another great space-saving option, as are daybeds or even Murphy beds for studio spaces or in rooms that may serve a dual purpose. Keep wall décor to a minimum! Consider a few large pieces of art, but add mirrors without question. They create an illusion of a larger space by adding dimension and also aid in the dispersion of natural light throughout your space, further enhancing a roomier feel. Incorporate shelving whenever possible, utilizing your vertical wall space. Add decorative baskets under benches, coffee or end tables, and even under beds to maximize storage space and keep your small space tidy. Decorating a small space can be somewhat challenging, but by keeping these tips in mind when decorating your studio, apartment or multipurpose room, you will create a much larger feel. For more information, please contact me at 703-340-7096 or email at sheilad@homes4saleinDC.com Www.homes4saleinDC.com

Should You Skip the Home Inspection for a Better Deal?

Sheila Zelghi (Samson Properties) — Mon, 23 Jun 2014 00:26:12 -0700

When real estate markets are moving quickly, sellers sometimes become uncompromising. Why make concessions if your home is leading the neighborhood's Ms. Popularity contest? This may lead buyers, caught in the frenzy of a bidding war, to become reckless, yielding one of the most important aspects of the purchase process: the home inspection. What an Inspection Won't Do Let's face it: We don't buy homes frequently, so the process can be a bit confusing. The home inspection is one of the most commonly misunderstood processes in the real estate transaction. Just as a home appraisal won't tell you that the heater is about to go kaput, a home inspection won't tell you what the home is worth. These are two different processes, initiated by two different parties. The appraisal is bank-ordered. The lender uses the appraisal to ensure that the home is worth what you've promised to pay for it. While a large home inspector training institute likes to claim that the inspection is "all-encompassing," it is far from that. That's not to diminish the value of the process – it is extremely important. But it can't tell you, for instance, what might be growing or breeding behind the walls or if there is a dangerous radon level in the home The typical investigation by a home inspector is a visual one. He or she will look at the home's roof, structure and major systems, such as plumbing, electrical, HVAC and ventilation. If an inspector can't see an area for whatever reason – access is blocked by the owner's belongings or it's locked – she can't investigate it and therefore won't include it in the report. What a Home Inspection Provides The inspector will run the heating and cooling system and investigate the water heater. While in most cases an inspector doesn't have access to the heat exchanger in the furnace, he can tell you the condition of the filter. He has no way of knowing the condition of the wiring behind the walls, but he can test the system for shorts. The best home inspectors will recommend further inspection by an appropriate contractor. For instance, if he feels there may be a structural problem, he may recommend that you contact an engineer. If he notices evidence of wood-destroying pests, he may recommend that you have the home looked at by a pest inspector. Should You Waive the Inspection Contingency? In a multiple-offer situation, a buyer who waives the inspection contingency is most likely going to prevail. What seller wouldn't relish the thought of a quicker close and fewer headaches, not to mention saving a ton of money if something happens to be wrong with the house? But, by the same token, cash-strapped buyers need to know if the house they are about to buy has bad wiring, a leaky roof, a heating system on its last legs or anything else that may cost thousands of dollars to repair. Make it Easy on the Inspector As a buyer, you have no control over whether or not the seller will clear access to the areas of the home that the inspector needs to see. Ask your agent to add an addendum to the purchase agreement requesting that the seller provide the following: Clear access to the attic - Inspectors are not allowed to touch or move personal items. If she can't get to the attic access without moving things out of the way, the attic won't be inspected. An empty dishwasher - Home inspectors run through each cycle but will not do so unless the appliance is empty. Access to the electric panel - Ask the seller to move boxes or anything else that may be blocking the electric panel. Plumbing - The water service should be left on. If it is turned off at the main, the inspector will need written permission to turn it on. A home inspector can't possibly tell you everything that might be wrong with the home you're about to purchase, but you will be reassured that the major systems are in good working order. And that peace-of-mind is something you should never compromise on. For more information, please contact me at 703-340-7096 or email at sheilad@homes4saleinDC.com Www.homes4saleinDC.com

Buy a Fixer With an FHA Loan

Sheila Zelghi (Samson Properties) — Fri, 20 Jun 2014 01:00:02 -0700

Many Realtors have stories of clients who can envision the possibilities of a house that's seemingly being held up by a prayer. If you are one of these people, but are short on cash, here's a solution: a government-backed loan that covers not only the purchase price of the home, but the cost to rehab it as well. It's a loan provided by the Department of Housing and Urban Development, known as the Section 203(k) Program. The Possibilities This loan is best known for allowing the borrower to rehab and repair a home, but it has other uses as well. Borrowers have used the loan to: Convert single-family homes into multifamily dwellings, with up to four units. Convert multi-units to a single-family home. Move a house to purchased land. The Property With most government loans, not only must the buyer qualify, but also the home. A dwelling's eligibility includes: It must be at least one year old. If the home is going to be demolished, the existing foundation must remain. If the program is being used to rehab a condo, you must intend to live in it, and all work must be confined to the interior of the unit. The Borrower Qualifying for the loan is identical to the requirements for any FHA loan. Some requirements of the borrower are: Show a steady employment history, preferably with the same employer for at least the past two years. Be a lawful resident of the U.S. and have a Social Security number. How the 203(k) Loan Works The beauty of this loan program is that the borrower has only one loan that incorporates both the price of the home and the cost to rehabilitate it. The loan amount is based on what the property's projected worth will be after the work is done. So go ahead and fall in love with the possibilities. You can afford to buy a fixer. For more information, please contact me at 703-340-7096 or email at sheilad@homes4saleinDC.com Www.homes4saleinDC.com

My AHA Moment...Was Realized When Confronted by an Angry Dog!

Sheila Zelghi (Samson Properties) — Thu, 01 May 2014 03:59:01 -0700

I've been training the past few weeks in preparation for my 1st EVER run that's happening this weekend; I'm participating in an 8K run to help raise awareness for neglected and abused children, #RunForTheChildren. So this morning I tracked my run on Google Pedometer, my goal was 5 miles, little did I know I would end up accidentally running 6.6 miles! How does one accidentally run 6.6 miles you ask? Well here's my story and what eventually lead to my AHA moment. I was well on my way to executing my well prepared and planned running route when I was encountered by a fork in the road. To the left of me was the original road I had came from and was suppose to go back to. And to the right of me, was a road that I've never seen before and looked very tempting. So being me I said to myself "Hey what the heck, let's take the Road Less Traveled." As I'm running, I'm thinking to myself that I need to find a road that goes towards the left again because that's where I came from. The first road I found that went to the left lead to a cul-de-sac, so that would lead me no where. I ran a little further out and found another road to the left, so I took it. I'm running down this dirt road and at the end of it...I found a dead end and to the left I found an even deader end: an Unleashed Angry Dog running towards me!! I gridlocked, put my hands in front of me and yell at the dog to "STOP!". Amazingly, the dog did stop, but did not stop it's barking, and at this moment; out came the Angry home owner yelling and screaming at me to "get off my private property!!". Of course, I apologized profusely and started my trek back up the hill to get back to where I came from. Again I was faced with another fork in the road; this time I could go to the right and back track my way to where I came from OR go the left and explore again; and of course I decided to go left; again the Road Less Traveled. This time it lead me to a beautiful trail that I had NO idea existed. I had no idea where I was and where I was running to until I found another fork in the road and finally realized I knew exactly where I was. THIS time around, I took the road that would take me back home :) Which lead me to my AHA moment; Someone who takes 'the road less traveled' is acting independently, freeing themselves from the conformity of others (who choose to take 'the road more often traveled'), generally making their own choices, and perhaps leaving a new trail that will become the road more often traveled. Society would suggest that the "road less traveled" is the harder, less attractive road. Most people will take the easier road. Most people search for the easier paths through life; however, the easier paths are often the less eventful. Overcoming adversity generally advances us the most in our awareness and understanding of the world. It is very rare that a person would ever say they were willing to "undo" an experience, regardless of how difficult it was. The road less traveled brings us more experience, and more experience enables us to live more. The road less traveled can make all the difference. We ought not aspire to be as enlightened as a flea. I deeply understood something about myself today, I am a woman who embraces taking the Road Less Traveled. I may run into difficulties and make some people angry along the way (for example barking dog and angry home owner), but at the end I find uniqueness, experiences, and beauty in life that's not seen by many. I am truly grateful and appreciative of these moments. :)

Who's Sick of the Snow?? I know I Am!

Sheila Zelghi (Samson Properties) — Mon, 17 Mar 2014 09:07:39 -0700

I don't know about you, but in the month of March I'd rather be talking about spring and everything that comes along with it, like gardening! Instead, I'm stuck at home with cabin fever and children who never go to school because Northern VA school districts refuse to let the kids go to school when there's 3 inches of snow out :) So I will let my wishful thinking and imagination transport me to warmer weather where the sun is shining and I can enjoy a great garden, who's with me? So let's begin with Tips fo growing a Herb Garden! Tips for Growing an Herb Garden Herbs are some of the easiest, most versatile and useful plants to grow. If you're going to start a garden for the first time, try growing herbs. Many of them grow with very little care, and if you live in a condominium or townhome with limited space, herbs can easily be grown in containers. Whether you've got acres of land or just a few pots on a patio, here are a few tips for growing a successful herb garden. Tip #1: Grow Herbs You'll Eat There's no sense in growing herbs you won't eat. Do you enjoy a nice caprese salad of tomatoes, mozzarella, and basil? Do you like your mojito with plenty of mint? What about pan-fried potatoes with garlic and rosemary, or lentils simmered in broth with a few thyme sprigs? Think about your favorite recipes. List the herbs used in each, and grow the herbs you will eat. Tip #2: Prepare the Soil to Grow Your Herb Garden Although most herbs will tolerate dry, rocky soils, it is best to grow herbs in a dark, crumbly, fertile soil that has plenty of organic matter and good drainage. One of the best tips for growing an herb garden is to work in plenty of compost, worm castings, and fertilizer before planting. By preparing the soil, you'll give your herb garden the best possible chances for success. Of course this step will have to wait until all the snow around us is melted away. Tip #3: Understand Each Herb's Need for Water Many herbs, such as bay and lemon balm, produce the most intense flavors in poor, dry soils. However, each herb is different. Some herbs, like mint and catnip, for example, grow best in moist soils. Novice gardeners often think that more water is better. If a plant looks like it's struggling, just add water, right? Unfortunately, no. Each herb has different needs for water, and if you water some herbs too much, you will cause them to rot at the roots and die. Most garden plants need an average of one inch of water per week. Some will need more, some less. If you take the time to research the herbs you're going to grow, you'll know where you need more or less water. For Tip #4 and Tip#5 please make sure to visit my website; WWW.Homes4SaleinDC.com No matter what your style, you can grow an herb garden...now we just need to wait for the snow to melt.

Hi, I'm Sheila Your Real Estate Match Maker!

Sheila Zelghi (Samson Properties) — Fri, 14 Mar 2014 06:30:18 -0700