victoria ray henderson: Down Payment Assistance Programs - 01/22/23 07:13 AM
Fannie Mae and Freddie Mac offer down payment assistance programs for home buyers. 
With higher interest rates than a year ago and home prices slowly dropping, home buyers are facing obstacles to home ownership.
At HomeBuyer Brokerage, we want home buyers to have a full understanding of their options. 
On this podcast of Listen Up Home Buyers! A Maryland lender explains two programs; 
Freddie Mac Borrow Smart Program linked to Home Possible and the new Fannie Mae Purchase Plus program – Both are Down Payment Assistance Programs.
For more information, visit our website: HomeBuyerBrokerage.com 
 
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victoria ray henderson: What is an Earnest Money Deposit? - 01/18/23 07:10 AM
The earnest money deposit is money placed into an escrow account at the beginning of a real estate transaction.
 
In the Greater Washington D.C. and Baltimore Area, an earnest money deposit or EMD is a sum of money that the buyer deposits into a non-interest-bearing account, typically with a title company. This deposit is usually anywhere between 1%-3% of the total sales price of the home and is made once a buyer's offer has been accepted by sellers. 

The purpose of an earnest money deposit is to show the seller that the buyer is serious about the home purchase. It also holds the … (6 comments)

victoria ray henderson: Living on Capitol Hill in Washington D.C. - 01/05/23 04:40 AM
HomeBuyer Brokeragepresents an overview of Capitol Hill in 40 seconds 
Capitol Hill is the largest historic residential neighborhood in Washington DC. Eastern Market, Potomac Ave, and Capitol South are the Capitol Hill Metro stations
The US Capital construction began in 1793 and some Capitol Hill homes date back to the early 1800s. DC was designed by Pierre L’Enfant who created the wide streets, the roundabouts, and the large parks that make Capitol Hill a unique place to live.
Want to learn more? Contact us at Home Buyer Brokerage.com real estate for home buyers!
 
(2 comments)

victoria ray henderson: Everything You Need to Know About Aromatherapy - 12/21/22 06:11 AM
Everything You Need to Know About Aromatherapy
Aromatherapy is a holistic healing treatment that uses natural plant extracts to promote well-being and health. Katrina Piehler is a certified health and wellness coach, licensed massage therapist, and essential oils, educator. Some essential oils are toxic to animals. Learn more here from the ASPCAInformation about what to look for when choosing essential oils and what makes doTERRA one of the best choices:
 Home Essentials Starter Collection --
(this is a great essential oils kit that includes a high-quality mist diffuser and this wonderful collection of 10 different oils and ready-made blends for your home)
Peppermint: Peppermint provides a stimulating, … (4 comments)

victoria ray henderson: What You Should Know about FEMA Flood Maps - 12/08/22 11:11 AM
Listen Up, Home Buyers! The podcast offers advice and tips for home buyers 
FEMA Flood Maps, what you should know
Meet Jeffrey Jackson the Deputy Assistant Administrator for the Federal Insurance Directorate within the Federal Insurance and Mitigation Administration (FIMA) at FEMA the Federal Emergency Management Agency (FEMA).
He talks with Victoria Ray Henderson, the host of Listen Up Home Buyers! a podcast created by Victoria for the National Association of Exclusive Buyer Agents
Mr. Jackson leads flood insurance operations for the National Flood Insurance Program (NFIP) at FEMA.  He talks about flood risks, climate change, mitigation, and flood insurance in America.
:52 FEMA’s … (2 comments)

victoria ray henderson: What Does a Settlement Agent Do in Real Estate? - 11/30/22 08:59 AM
The final step in the home-buying process is the settlement. 
 
At the settlement or the closing day, the buyers and sellers sign all the paperwork that makes the transaction happen.
A settlement agent or a settlement attorney ensures all necessary paperwork is properly signed. In addition, the settlement office handles property surveys, the transfer and registration of the deed, and the handling of all the funds in the transaction.
The home buyer chooses the settlement agent or attorney. 
In fact, the buyer agent, or in my case, the exclusive buyer agent and the home inspector is also the buyer's choice. 
 
It is imperative that home buyers … (2 comments)

victoria ray henderson: Fall Home Maintenance Checklist - 10/19/22 10:29 AM
Enjoy the crisp fall weather
Prepare for the cold winter months ahead!
 It's that time of year to prepare your home for the cold winter months ahead.
At HomeBuyer Brokerage, we offer our Fall Maintenance Checklist 
featuring advice & tips on how to maintain your furnace, roof, gutters, exterior & interior water valves, chimney & fireplace cleaning, dryer vent cleaning both at the dryer and exterior vent.
Regarding real estate
In the Washington D.C. area, there are fewer homes for sale. The days on the market are longer and there are more homes dropping their original list price. This is welcome news for fall home buyers! Now … (3 comments)

victoria ray henderson: Can Aromatherapy Improve Your Health & Well Being? - 10/16/22 05:34 AM

Aromatherapy is a holistic healing treatment that uses natural plant extracts to promote well-being and health. Katrina Piehler is a certified health and wellness coach, licensed massage therapist, and essential oils, educator. She was a guest on Listen Up Home Buyers! 
Information about what to look for when choosing essential oils and what makes doTERRA one of the best choices:
:55 what is aromatherapy
1:23 home should be our sanctuary
1:48 powerful natural well-being tool we intentional use to create a supportive environment
2:10 using aromatic compounds from plants-roots, fruit rinds
3:05 protective elements of the plant and different plants produce different essential oils
3:37 Victoria talks about … (4 comments)

victoria ray henderson: Moving To Maryland - 06/27/22 05:29 AM
Moving to Maryland
With mountains, lakes, rivers, the Atlantic Ocean, the Chesapeake Bay, historic towns, and plenty of history, it’s easy to understand why Maryland is called America in Miniature.
Business
Maryland is home to some of the largest biotechnology companies in the world. In the federal government, the National Institute of Health (NIH) based in Bethesda, has 18 individual institutes including the National Genome Research Institute and the National Cancer Institute.
More than three hundred biotechnology businesses line the I270 Corridor in Montgomery County Maryland. In fact, from Bethesda to Gaithersburg, some of the fastest-growing genomic firms are in "DNA Alley".
This picturesque … (2 comments)

victoria ray henderson: Military Relocation to Washington DC - 05/31/22 04:38 AM
There are 10 Military Bases in Washington D.C. and several more in the surrounding Metro Area 
The website, Military.com is a great resource for members of the military. On the site, you'll find checklists for your move and links to local Facebook pages and other helpful resources to make the transition as smooth as possible.
Moving to Washington DC or to the surrounding metro area has unique challenges. The Washington DC area includes Northern Virginia and a large part of Maryland. Traffic in the area is intense and ranks as one of the busiest metropolitan areas in the country.
As a military relocation … (1 comments)

victoria ray henderson: Real Estate Lingo Explained - 05/16/22 10:40 AM
Buying a Home for the First Time or Buying a Home For the First Time in Many Years?Real estate has its own lingo. To have a successful experience, it's a good idea to learn keywords.
What is a down payment, earnest money deposit, fair market value, market value, and assessed value? What does an appraiser do and why would I need an appraisal? What is post-occupancy?
Attorney & Broker Rich Rosa, the president of the National Association of Exclusive Buyer Agents, explains these terms and the home buying process. Rich Rosa lives and works as an exclusive buyer broker in the … (5 comments)

victoria ray henderson: Don't Believe Everything You Hear at an Open House - 03/30/22 06:15 AM
What To Know About an Open HouseLast weekend, my client and I visited a property for sale during an open house. As is often the case, the agent who greeted us at the door was not the listing agent. She offered us freshly baked cookies and continued chatting with a few other guests.
We walked through the dining area and onto a deck. The large backyard had a swing set and a large shed across the back of the property. Behind the shed and swing set, the land sloped downward toward a creek and trees. I looked over at the neighbors' yard … (14 comments)

victoria ray henderson: Strategies for Homebuyers - 03/26/22 07:06 AM
Homebuyers Need a Plan of Action  
If you are planning to buy a home this year, develop a plan of action.
Learn the steps in the home buying process. What is an earnest money deposit? Why do buyer agents recommend working with a local lender? How do I create a competitive offer? 
Join us for our class, How To Buy A Home, on April 20th at 10 am via Zoom. This interactive class will teach you:
How do I begin the home buying process? How do I know if a house is well built?  How do I make an offer on a property? … (5 comments)

victoria ray henderson: Moving To Great Falls Virginia - 02/15/22 06:40 AM

Are you looking for a home close to Washington DC with privacy and beautiful river views? Consider Great Falls Virginia! 
Great Falls is on the Potomac River and a short drive to downtown Washington DC. Most of the detached homes in Great Falls were built on large lots of an acre or more. Many of the properties have majestic views of the Potomac River. 
There is a small downtown Great Falls with art & yoga studios, shopping, and restaurants.
Great Falls National Park is a popular hiking and kayaking park. The 800-acre park is just 14 miles from downtown Washington DC. 
Great Falls Virginia … (0 comments)

victoria ray henderson: Bathroom, Kitchen Remodeling Ideas - 01/27/22 09:43 AM
Looking for home remodeling and decorating ideas? 
Listen Up Homebuyers!
The NAEBA podcast offers advice & tips to homebuyers
Meet TiAndra Houston & Caitlin Donahue 
DC Metro Designers 
Victoria Ray Henderson is the host of the podcast, Listen Up Homebuyers!
You can listen to the podcasts on Pandora or your favorite podcast station
 
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victoria ray henderson: Capitol Hill Condo's For Sale - 01/20/22 10:54 AM
Wednesday, January 20th, 2022
Capitol Hill & the H Street Corridor
Housing Inventory From the Multiple Listing Service
 23 2+ bedroom condos or cooperatives for sale  55 2+ bedroom end or interior rowhouses for sale 2 2+ bedroom detached homes for sale Housing inventory is historically low but that doesn't mean you can't find a home in Washington DC. Capitol Hill and the H Street Corridor are two of the oldest neighborhoods in the nation's capital. 
If the SW Waterfront, home of the Nationals Stadium, is where you want to live, there are currently--
32 2+ bedroom condos, cooperative, rowhouses, and/or detached homes for sale Housing … (0 comments)

victoria ray henderson: Buying a Home in Winter - 01/17/22 08:12 AM
Buying a home in the winter months has advantages
Less competition with other homebuyers  More flexibility in negotiations regarding price & terms  Touring a property is less than ideal conditions Better chance of seeing water-related issues It takes a hardy homebuyer to bundle up and tour houses in the winter months! But if you are willing to make the trek, it could be worth the effort. While there are fewer homes for sale in the winter months, there are also fewer buyers. 
Over the past few years, housing inventory has been on the decline while the number of homebuyers has been on … (2 comments)

victoria ray henderson: Listen Up Homebuyers! All About Roofs! - 01/14/22 03:49 AM
Look Up! What condition is the roof on the house you're buying? Brian Carpenter is the owner of Semper West a roofing company serving residential and commercial customers in Maryland and Virginia. I talked with Brian on the NAEBA podcast, Listen Up Homebuyers!  
How should I interview roofing companies? What shingles are best for my roof? How does a roofing company evaluate a roof? What are the roofers replacing and doing up there? What is a Tesla solar shingle and are they available for homes?
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victoria ray henderson: What to Know About Moving to Northern Virginia - 01/06/22 04:34 AM
Northern Virginia  a popular area to relocate in the Greater Washington DC areaThe Pentagon, Foreign Service Institute, US Marshalls Service, National Science Foundation, DEA, and TSA are a few of the federal agencies in Arlington, McLean, Alexandria, Rossyln, and Crystal City. 
Northern Virginia is a short drive to the Shenandoah Valley and the Blue Ridge mountains. Hiking and biking trails like the W&OD trail and Great Falls give outdoor enthusiasts the opportunity to see this beautiful state and all it has to offer. 
When members of the military get a permanent change of station or PCS  there is much to do in a short … (2 comments)

victoria ray henderson: What Does Low Inventory Mean for HomeBuyers? - 12/26/21 09:35 AM
Housing Inventory is Historically Low Across the CountryThese are challenging times for homebuyers! When housing inventory is low and demand is high, you face competition for houses. Last week, homebuyers I've been working with for several months now made a very strong offer on a house in a popular location in suburban Maryland. The sellers choose another offer after reviewing 14 other offers! Unfortunately, this is an all-too-common occurrence. How Does A Homebuyer Prepare for this Market? Talk to a lender and learn what options are available for you and your specific financial needs. Can you pay all cash for a property? … (0 comments)

 
Victoria Ray Henderson, Washington DC Real Estate  (HomeBuyer Brokerage)

Victoria Ray Henderson

Washington DC Real Estate

Washington, DC

More about me…

HomeBuyer Brokerage

Address: The Buyer Brokerage, 1320 Old Chain Bridge Road Suite 430, McLean, VA, 22101

Mobile: 301.922.1677



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