Low or Zero down payment for your Woodbridge VA Home

Low or Zero down payment for your Woodbridge VA Home 
No, you don’t need a 20 percent down payment to purchase a home. Of course the more money you put down the lower your monthly payment will be, but having said that you can get loans with much lower down payments.

As a Realtor I often hear the following from potential home buyers:

“Can I purchase a home without any out of pocket money?”

“How much money do I need to purchase a home in today’s market?”

How much money do I need to purchase a home in today’s market and Can I purchase a Home without any out of pocket money?

The answer really depends on the type of loan you qualify for.

VA Loan – If you currently serve in the military or you are a veteran you can use your VA eligibility and purchase a home with ZERO down payment. With a VA loan you do not have to pay a down payment and if you can negotiate closing cost assistance from the seller you have a good chance to purchase a home without having to bring money to the table! YEAH.

VHDA This is a loan through FHA that also does not require a down payment. You are reading this correctly ZERO down payment with a VHDA loan. VHDA has income restrictions. For more details on VHDA and to see if you qualify please click here

FHA This has been a very popular loan over the past few years as it is widely available and offers the lowest down payment 3.5 % . FHA will also allow you use gift money for the down payment. So for example if your parents or anyone else close to you give you gift money to use for a home purchase, FHA has a process for that.

Conventional Financing This type of financing requires anywhere from 5 % – 10 % for primary residence and for investment properties 20 % to 25 %. Conventional Financing has its advantages in today’s market as it is less expensive for the seller and generally also has fewer restrictions when compared to FHA and VA.

CASH Cash is King. Cash transactions can close much quicker then financed transactions.

To figure out which loan program will work for you and what you will qualify for you should contact an lender immediately. Click here to apply for a Loan.

Let’s not forget the CLOSING COST!

When you purchase a home there will be closing cost that the buyer will have to pay, but NO WORRIES! The buyer can ask the seller for closing cost assistance. Speak with your Realtor to come up with a strategy. You can purchase a home without having to pay a down payment or closing cost. The last few buyers that I worked with didn’t have to pay a down payment or closing cost.

What are the out of pocket costs to a buyer?

When you make an offer the seller will require an Earnest Money Deposit. In the Woodbridge Virginia area the Earnest Money ranges anywhere from $1000 – $7000. The higher your Earnest Money payment the more serious the seller will take your offer. After your offer is accepted and you are on your way to home ownership the Earnest Money will be deposited in an escrow account until closing and then applied to your funds.

Home Inspection

This will be your next out of pocket cost. Within a couple of days (generally 10 days or less) a Home Inspection will be conducted. You will pay the Home Inspector after the inspection generally by check. The Home Inspection will cost anywhere from $ 200 – $ 700 depending on the home that you are purchasing.

Appraisal

Most of the time the cost for the appraisal will be paid at closing. However your lender might ask for a credit card to secure the cost for the appraisal. Cost of the appraisal is anywhere from $ 300 – $ 600.

Homeowners Insurance

You will have to apply for homeowners insurance. With most insurance companies the insurance will be paid at closing, in some instances you might have to pay the insurance upfront.

So I guess the answer to the question can I purchase a home without any out of pocket money is YES and NO. You will always need money for items such as, Earnest Money Deposit, Home Inspection, Appraisal or Insurance, but if your Realtor can negotiate closing cost assistance for you and you qualify for one of the ZERO down payment loans the answer would be yes.

Call me today at 571-446-0002 or start looking for homes online at www.ClaudiaSNelson.com


Brought To You By
571-446-0002
Claudia S. Nelson is an award-winning, #1 Real Estate Agent with Keller Williams of Woodbridge in Woodbridge, Virginia.  She specializes in making the home buying and selling process easy.  The home buying process has changed dramatically over the past few years.  Nowadays, most buyers start their search online when looking for a home.  Claudia S. Nelson has mastered the art of internet marketing.  The hardest part in selling a home is finding the right buyer.  With Claudia S. Nelson’s internet presence and marketing approaches, she is able to sell your Prince William County, Woodbridge VA homes and homes in Northern Virginia faster and for top dollar. To see how Claudia S. Nelson can help you sell your Woodbridge home or purchase a home in Prince William County, Nothern Virginia, Woodbridge VA, contact Claudia S. Nelson at 571-446-0002 or visit www.ClaudiaSNelson.com

Woodbridge Tax Day Freebies and Deals

Where To Find Free Stuff and Great Deals

In Woodbridge on April 15, 2015

TODAY IS THE TAX DEADLINE! April 15 has long been associated with the stress and worry as this is the last day to file your taxes.  Local businesses are offering freebies and deals on this infamous TAX DAY to help put a smile on your face.  Below is a list of local Freebies and Deals here in Woodbridge.
All-American Steakhouse – 4179 Merchant Plaza, Woodbridge
Kids Under 12 eat FREE with purchase of adult entrée
Bonefish Grill – 2680 Prince William Parkway, Woodbridge
Get $10 off your next visit.  Must go to their website and download the coupon.  They make it convenient by allowing to screen shot to keep on your phone.  Coupon expires in a few day so download today and go soon.
Boston Market – 13815 Smoketown Road,  Woodbridge
Buy One Individual Meal, Get second meal FREE
Deal available for dine-in or carry out.
California Tortilla – 11694 Sudley Manor Drive, Manassas
FREE Chips & Queso or Free Chips & Salsa
MUST USE the secret phrase “TAXES SCHMAXES!”
Coffee House of Occoquan – 202 Commerce Street, Occoquan
25-50% most merchandise
Common Ground Café – 4320 Dale Boulevard, Dale City
FREE 12 oz. coffee with any purchase
Denny’s – 13775 Jefferson Davis Highway, Woodbridge
Kids Eat FREE 4 p.m. to 10 p.m. with purchase of adult entrée
Great American Cookie – Potomac Mills Mall
FREE Sugar Cookie
No purchase necessary, one cookie per person
Hooters – 2630 Prince William Parkway, Woodbridge
All You Can Eat – Boneless Wings for $10.99 (after 7 p.m.)
L & B’s Pizzeria – 5401 Mapledale Plaza, Dale City
FREE COFFEE  & FREE WI-FI! Helpful for those needing to finish their taxes
*SAY SECRET PHRASE “Taxes Suck” for Large Pepperoni Pizza and Pitcher of Draft Beer for $15 (dine-in only)
Madigan’s Waterfront Restaurant – 201 Mill Street, Occoquan
$10 off Bottle of Wine before 9 p.m.
1/2 off Chicken Tenders from 3-7 p.m.
Mom’s Apple Pie – 126 Commerce Street, Occoquan
$1 off Homemade Apple Pies
Office Depot – 14053 Crossing Place, Dale City
2 lbs. of FREE paper shredding
Staples – 14497 Potomac Mills Road, Woodbridge
5 lbs. of FREE paper shredding

www.ClaudiaSNelson.com
Claudia S. Nelson
571-446-0002
Keller Williams of Woodbridge
Award Winning Realtor
Provided by Claudia S. Nelson, an award winning Real Estate Agent
with Keller Williams Realty in Woodbridge Virginia.
http://www.claudiasnelson.com/ or http://SoldinNova.com Claudia can be
reached by phone at 571-446-0002.


14233 Caroline St. Woodbridge VA 22191 Coming Soon

14233 Caroline St. 
Woodbridge VA 22191 

Coming Soon For Sale 
Features:

  • Single Family Home 
  • 4 Bedrooms 
  • 2.5 Bathrooms 
  • Fully Upgraded Kitchen 
  • Granite Counter Tops 
  • Stainless Steel Appliances 
  • New Cabinets 
  • Backsplash
  • Tile Flooring 
  • Hardwood on main Level 
  • Fireplace 
  • Large Rec-Room 
  • Newer Windows
  • Newer Roof
  • Newer HVAC 
  • Close to shopping 
  • Close to dining 
  • Close to I95 and major commuter options 
  • And so much more 

The Glen Woodbridge VA JUST SOLD by Claudia S. Nelson

The Glen Woodbridge VA JUST SOLD by Claudia S. Nelson, by Claudia S. Nelson with Keller Williams Realty in Woodbridge VA 

The Glen Woodbridge VA 

JUST SOLD 




 
  • 3 Level Townhouse
  • Brick Front 
  • 2 Bedrooms 
  • With an option for a 3rd bedroom in Basement 
  • 1.5 Baths 
  • Large Eat in Kitchen
  • Family Room
  • Dining Room
  • Basement 
  • 1 Car Garage
  • Brand New Energy efficient windows through 
  • Newer AC / Furnace 
  • Close to everything 
  • Close to Shopping Dining, I95 and more
Woodbridge VA 22192 

The Glen Woodbridge VA JUST SOLD

The Glen Woodbridge VA JUST SOLD, by Claudia S. Nelson with Keller Williams Realty in Woodbridge VA 



Recently sold in The Glen in Woodbridge VA 
by Claudia S. Nelson 


4120 Hummel Way Woodbridge VA 22192



The Glen in Woodbridge VA is a beautiful townhouse community behind The Glen Shopping Center. The Glen tonwhouses are located at across the Street from the Chin Center with it’s Aquatic Center, Fitness Center, Sports Courts and of Course The Chin Library. 

The Glen offers 2 to 4 bedrooms tonwhomes in a beautiful setting some even over viewing the bond at The Glen Woodbridge VA. 
Do you currently live in The Glen in Woodbridge VA? Are you curious to know what your The Glen Woodbridge VA Home is worth? Find out what your The Glen Home is worth right here:

What is my The Glen Home worth?

Are you in the market for a home in The Glen? Find out what homes are currently for sale in The Glen in Woodbridge VA:

Homes for Sale in The Glen Woodbridge VA

I have a lot of experience with homes for sale in The Glen, or Home Values in The Glen. I have been selling homes in The Glen for quite some time. With its close proximity to shopping, dining, The Chin Center, major commuter options and so much more The Glen is a great location to calling home whether you live there or are considering purchasing an investment property in The Glen. 

55 + Living in the Woodbridge VA Area – Four Seasons

55 + Living in the Woodbridge VA Area – Four Seasons, by Claudia S. Nelson with Keller Williams Realty in Woodbridge VA

55 + Living in the Woodbridge VA Area

There are two 55+ communities in the Woodbridge VA area. River Ridge and Four Seasons. River Ridge is locate in Woodbridge VA and Four Seasons is locate in Dumfries. 


Conveniently located off 234 close to I95, shopping and dining. Four Seasons offers it all, Club House with many daily activities for everyone. Indoor and outdoor pools, tennis courts and so much more. Four Seasons is a great retirement community. 





Located off Old Bridge Rd and Clipper Dr an amenity filled retirement community that offers it all. 


Main level living at its best at Fours Seasons in Dumfries and River Ridge in Woodbridge VA. There are plenty of great main level living floor-plans in both of these 55+ communities. Four Seasons is a newer community with homes built in 2004 – 2007 River Ridge homes have been built in around 2000. Both communities are great options if you are looking to moving to an age restricted community or a main level living floor-plan in the Woodbridge VA area. 

SOLD Woodbridge VA Single Family Home

SOLD Woodbridge VA Single Family Home, by Claudia S. Nelson with Keller Williams Realty in Woodbridge VA




Claudia
S. Nelson Woodbridge VA Real Estate Agent with Keller Williams Realty in
Woodbridge VA sold another Woodbridge VA Single Family Home.
 
Award
winning Woodbridge VA Real Estate Agent, Claudia S. Nelson helped a Woodbridge
VA Home Owner sell their Woodbridge VA Home quickly and for top dollars. The
Woodbridge VA Home located in the Marumsco Village area of Woodbridge VA sold
for $ 245,000.-  Homes in the Marumsco
Village area sold anywhere from $283,000 on the high end side to $185,000 on
the low end side. Over the past 180 days there have been 12 single family homes
that sold in Marumsco Village in Woodbridge VA. Woodbridge VA Real Estate Agent
Claudia S. Nelson knows the Woodbridge VA Estate market and knows how to sell
homes quickly and for top Dollars.
Woodbridge VA offers great homes from townhomes and single family home for
first time home buyers to larger single family homes and even luxury homes.
There is definitely something for everyone in Woodbridge VA. If you are
considering buying or selling in Woodbridge VA you should hire an agent that
knows the area and Claudia S. Nelson with Keller Williams Realty in Woodbridge
VA definitely does know the area. She lives and works in the Woodbridge VA community.

 

Claudia
S. Nelson has helped many Woodbridge VA Home Sellers. If you are looking to
sell your Woodbridge VA Home make sure you have someone in your corner that can
get the job done and has a proven track record of selling Woodbridge VA Homes.
Call Claudia S. Nelson if you are looking to sell your Woodbridge VA area Home.
Claudia knows the Woodbridge VA and surrounding area Real Estate market and
specializes in Woodbridge VA and surrounding area Real Estate. If you are
looking to purchase in Woodbridge or surrounding area Claudia S. Nelson can help
you, simply call 571-285-4319 or go online at www.ClaudiaSNelson.com.

4503 Torrence Pl Woodbridge VA 22193 Townhouse for Rent

4503 Torrence Pl Woodbridge VA 22193 Townhouse for Rent, by Claudia S. Nelson with Keller Williams Realty in Woodbridge VA 

 
FOR RENT
 
  • 3 Level Townhouse 
  • Built in 2000
  • 3 Bedrooms 
  • 3.5 Baths 
  • Large Kitchen with Kitchen Island
  • Fully Finished Basement 
  • Gas Fireplace 
  • Luxury Master Bathroom
  • Deck
  • Fenced in Backyard
  • Great Location
  • Community Amenities 
4503 Torrence Pl 
Woodbridge VA 22193 
 
FOR RENT

 

5031 Anchorstone Dr. Woodbridge VA 22192 For Sale

5031 Anchorstone Dr. Woodbridge VA 22192 For Sale, by Claudia S. Nelson with Keller Williams Realty in Woodbridge VA 
5031 Anchorstone Dr. 
Woodbridge VA 22192 
 
For Sale 
 
  • 3 Bedrooms 
  • 2.5 Baths 
  • Living Room
  • Dining Room
  • Family Room 
  • Gas Fire Place 
  • Upgraded Kitchen 
  • Luxury Master Bathroom with Separate Tub & Shower
  • Laundry Room on Upper Level 
  • 1 Car Garage 
  • Great Location 
  • And so much more
This beautiful 3 bedroom 2.5 bath Condo is located in thought after Prince William Town Center. Excellent location, close to everything, shopping, dining, I95, Quantico and Fort Belvoir. If you are looking for an upgraded home this is the one you have been waiting for. Come and check it out. You will not be disappointed. 
 
 

OPEN HOUSE 14055 Bluefin Drive, Woodbridge, VA

OPEN HOUSE, July 20, Sunday 1:00 PM – 4:00 PM
14055 Bluefin Drive, Woodbridge, VA
Get Directions Click Here
Description Photos Maps & Local Schools Virtual Tour
$ Click for current price
4 BEDROOMS
3 BATHROOMS (2 full, 1 half)
2200 Square Feet

Beautiful, Large, Completely Remodeled Single Family Home located close to shopping, dining, I95, Quantico and Fort Belvoir. This is truly a one of a kind home, with upgraded kitchen, stainless steel appliances, granite counter-tops, back-splash, upgraded cabinets, hardwood floors, sun room of kitchen and family room. Upgraded bathrooms, Laundry Room upstairs, Two Car Garage and so much more.

 

Woodbridge VA 22193 
 
 
FOR SALE 

 

  • 3 Level Single Family Home
  • 4 Bedrooms
  • 2.5 Baths
  • Completely upgraded Gourmet Kitchen
  • Granite Counter Tops 
  • Stainless Steel Appliances 
  • Back-Splash 
  • Induction Cook-Top
  • Hardwood Floors 
  • Sun Room off Kitchen
  • Upgraded Bathrooms
  • Master Bathroom with soaking tub
  • Large Master Bedroom 
  • Laundry Room on Upper Level 
  • Large Patio great for Entertaining 
  • Large Flat Backyard 
  • 2 Car Garage 
  • Conveniently located close to everything
  • And so much more
 
This house has has everything you are looking for and then some more. You will fall in love the minute you see it. The owners have spared no cost to completely upgrade this house. Don’t wait too long this one will not last long. Call Claudia S. Nelson at 571-285-4319 or 202-299-7671 to schedule a showing. 
 
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Claudia Nelson

Keller Williams Realty

202-299-7671

Claudia@VaRealEstateExperts.com

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