WVHomesBlog.com

head_left_image

"5 Easy" Common Sense Tips


With our convenient location to the Baltimore Maryland and Washington DC beltway areas, West Virginia's eastern panhandle has long been a popular destination for tourism and home ownership. Most are drawn by our beauty and slower pace of life as well as the economics of lower priced real estate and taxes.

Some folks decide to put their roots down while others are looking to escape the beltway bustle at the week's end and I have had the privilege to assist both mindsets.

Since marketing vacation homes has become one of my niches over the years, I would particularly like to address those second home owners about some of the pitfalls to avoid.

"5 Easy Tips" to Protect Your Investment:

1. First and foremost, always turn off your main water valve when you leave. Make it a habit to do this year round because Murphy never takes a vacation and anything can go wrong while you're away. I can't tell you how many disasters I've encountered over the years while marketing vacation homes due to water damage.

2. While staying on the topic of water since it is one of most damaging elements that you can control, hire a professional to winterize your home. Turning the main water supply off and draining through the open faucets may not cut it when the temperature drops below 20 degrees. If you are not planning to use your home over the winter, I highly recommend this investment for your peace of mind. Trust me when I say that a frosty coating of ice in your oven is undesirable.

3. Oh those trees, those beautiful trees! We are so fortunate to have an abundance of beautiful hardwoods and pines covering our mountains, but they could be your nemesis too. Look around the perimeter of your home for trees leaning toward the house and also look for nearby standing dead trees that could fall and cause damage. Trees are beautiful and a wonderful habitat for local wildlife, but sometimes they need to come down. If you are fortunate enough to have standing dead hardwood trees, save them for firewood.

4. Most likely your vacation home will have that "cozy fireplace" and of course you'll need wood to fuel that fire. Don't stack the wood against the house or on the deck just because it's convenient. In your absence, the termites move in. Leave your permanent wood stack at least 20 feet away from the house. As an added tip, burn hardwood such as oak and limit the use of pine for burning as creosote could build up in the flue and may cause a chimney fire. If you use your fireplace or wood stove regularly, you should have the chimney cleaned once a year.

5. Bugs will be bugs and they all have a job to do, but they shouldn't be confined within your four walls. The obvious pests are termites and ants, but during this time of the year there may be infestations of lady bugs, stink bugs and common flies looking for a place to winter away. Here again, hire a trusted professional to control those little pests. I recommend quarterly treatment to protect your investment and making sure that the company you hire is fulfilling their contractual agreement.

The above tips are a compilation of my many years of experience in dealing with second home properties. Although I may have injected a little bit of humor here, it's basically common sense when you think about it.

Photo courtesey zieak

3 commentsDebbie Small, REALTOR® • October 23 2008 07:20PM

Meet "Joe the Plumber"

The 2008 Presidential Election could certainly go down in history as the most interesting race faced since the election of President Kennedy. The interest in this election is high and there was much said tonight about "Joe the Plumber" during the debate. Is this the "Real Joe"? Doe's it really matter?

Isn't it wonderful that we live in such a democratic country where we are able to individually have an opinion and cast our vote?

Just make sure you VOTE! It's you're RIGHT.

THINK ABOUT IT? DO IT!

5 commentsDebbie Small, REALTOR® • October 15 2008 11:46PM

What's "On the Go" in October?

 

"On the Go" for October



10 - Identity Theft Seminar at the Martinsburg Library - for more info: call (304) 267-8933

11 & 12 - Berkeley Springs Apple Butter Festival

11 - Hedgesville Heritage Days in downtown Hedgesville

16  through  19 - Mountain State Apple Harvest Festival

17 - Feast for The Arts "A Taste of France" call 304-263-0224

18  - Maryland Symphony Orchestra  MasterWorks season featuring violinist Rachel Barton Pine

24, 25, 26,  31 - Old Opera House Night Watch

25 - Adam Stephen House pumpkin carving contest 6-9pm - for more info: call (304) 267-4434

25 - Taste of Transylvania "Dinner with Dracula" fundraiser for WV Filmmaker's Guild

27 - Maryland Theatre Tribute to Benny Goodman and Peggy Lee

8 commentsDebbie Small, REALTOR® • October 07 2008 07:26AM

WVHDF Tightening funds brings more woes for borrowers

I received the following via email today regarding the current state of the West Virginia Housing Development Fund. This comes as no surprise at this time, and as I think back on the history of this loan program, the same thing occurred in the early ninety's. The current bond offering of 5.79 % (APR 6.389%) could not possibly continue during this stormy credit climate.

I urge all those affected to attend the workshop hosted by WVHDF in Martinsburg on October 9, 1:00 pm to 3:00 pm at the Holiday Inn on Foxcroft Avenue.

MEMORANDUM
TO: All Correspondent & Participating Lenders
FROM: David Rathbun, Senior Director
DATE: October 1, 2008
SUBJECT: Urgent-New Program Announcement

Temporary QMB Bond Program Pause

Those following the financial news recognize the mortgage industry is currently facing difficult times. WVHDF is not immune from the tightening of credit and the crisis on Wall Street. Given the current state of the financial markets, the WVHDF cannot successfully market bonds to support our QMB single family program at affordable rates for borrowers. As a result, we must temporarily pause our QMB Bond program once our current bond funds of approximately $4.5 million are depleted. Funds remaining will be updated on our daily rate sheet. Please rest assured that all borrowers currently registered are accounted for and will be fully funded as their loans are approved. Also, please know we are working diligently to reestablish our QMB Bond program with all the benefits you have known and relied upon.

1 commentDebbie Small, REALTOR® • October 01 2008 08:09PM