Williamsburg

If A Meteor Hit Your Home In Williamsburg, VA … Who Pays For The Damage?

MeteorBy: Williamsburg Military Insider

Today after watching the news about the meteor that hit In Russia; I was curious if my home would be covered by a similar event. If your house is hit by a space object — such as the remnants of the meteor that stunned people in the Urals region of western Siberia — it won’t be a major hit to your bank account. CNN Money has a good Article, about falling objects hitting your house.

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All Things Great….Thought of Moving or Relocating to Williamsburg, VA?

CWBy: Williamsburg Military Insider

Few places combine the cultural and historical aspects of Williamsburg, Virginia. U.S. Airways Magazine February 2013 has highlighted how wonderful Williamsburg, VA is!  The past meets the present in a place where America travelled from the frontier days of Jamestown in 1607, through the American Revolution and on to the Civil War. Restored Colonial Williamsburg recreates town life and, together with nearby Yorktown and Jamestown, help visitors and residents revisit and remember our national roots. Virginia’s colonial capital still thumps to the beat of the fifes and drums and the hammering of metal at the blacksmith shop.  You can still take a carriage ride down Duke of Gloucester Street, tour the Governors Palace, and walk in the footsteps of George Washington.  But you can also go to the spa, shop in Merchants Square, and play 18 holes at the Golden Horseshoe Golf Club.  That’s right: John D. Rockerfeller Jr.s dream in now studded with world class amenities.  The presence of one of the top small colleges in the country in William and Mary brings the vibrancy of young ideas and contemporary cultural life to blend with the old. Families flourish in the mild Virginia climate and enjoy the proximity to Virginia and North Carolina beaches, Blue Ridge Mountains and urban attractions of Norfolk, Richmond and Washington, D.C. all within 1-3 hours driving time. The commute to Langley AFB 20-30 min, there is nothing better than living in Williamsburg, VA.

Want to Buy a Home in Williamsburg, VA … Now is The Time!

Congratulations to Clinton and Jessica, who closed on their new home in February! We had a great time house hunting for their dream home on 4 acres in New Kent where they can have horses and plenty of room for kids to roam. They got a deal on the house and a great interest rate (only 4% on a VA loan!). It’s a great time to buy!

I am a REALTOR with Liz Moore & Associates Also; I am part of the Liz Moore & Associates’ Military Team which specializes in homes for sale in James City County, Newport News, Hampton, York County, Poquoson, and Williamsburg, VA as well as surrounding markets. I offer Active Duty friendly support to families relocating to Langley Air Force Base, Ft. Eustis, Yorktown Naval Weapons Station, and Cheatam Annex. When you PCS to Hampton Roads, VA you will find that I understand that when a family member joins the military, the entire family belongs…thank you for serving our Country, and I look forward to serving your real estate needs!

When you are transferring to Langley AFB, Ft. Eustis, Yorktown Naval Weapons Station or Cheatam Annex, if you’re interested in buying a home for sale call 757-651-3763 e-mail me at jenniferhernandez@lizmoore.com

Ever Thought of New Home Construction With a Premier Builder Between $155k -$250k in Williamsburg? Don’t Miss The Ironbound Redevelopment Project.

By: Williamsburg Military Insider

Wayne Harbin Builder has partnered up with James City County to bring affordable new homes to the Williamsburg area within the Ironbound redevelopment Project.  Imagine having a new home within walking distance of New Town and High Street; enjoy shopping, dining and entertainment.  These wonderful homes range from $155,000-$250,000.00.  View the Amenities and Available plans.  You will not want to miss this opportunity to have a New Construction Home by Wayne Harbin homes who builds certified EARTHCRAFT homes to ensure an energy-efficient home that will save you money in the years to come. Ready to Purchase? Contact Jennifer Hernandez at 757.651.3763 and we will get the ball rolling.

James City County also offers a First-Time Homebuyer Program, click here for details.

I am a REALTOR with Liz Moore & Associates Also; I am part of the Liz Moore & Associates’ Military Team which specializes in homes for sale in James City County, Newport News, Hampton, York County, Poquoson, and Williamsburg, VA as well as surrounding markets. I offer Active Duty friendly support to families relocating to Langley Air Force Base, Ft. Eustis, Yorktown Naval Weapons Station, and Cheatam Annex. When you PCS to Hampton Roads, VA you will find that I understand that when a family member joins the military, the entire family belongs…thank you for serving our Country, and I look forward to serving your real estate needs!

When you are transferring to Langley AFB, Ft. Eustis, Yorktown Naval Weapons Station or Cheatam Annex, if you’re interested in buying a home for sale call 757-651-3763 e-mail me at jenniferhernandez@lizmoore.com

Today is National Random Acts of Kindness Day…Williamsburg what are you going to do ?

By: Williamsburg Military Insider

Today is National Random Acts of Kindness Day. The time has come when we cannot just rely on others to make the world a better place – each one of us has to do our bit.

I stumbled across a great article with wonderful suggestions, 29 Ways to Carry Out Random Acts of Kindness Every Day.  I am going to do a few of these everyday!

I am a REALTOR with Liz Moore & Associates Also; I am part of the Liz Moore & Associates’ Military Team which specializes in homes for sale in James City County, Newport News, Hampton, York County, Poquoson, and Williamsburg, VA as well as surrounding markets. I offer Active Duty friendly support to families relocating to Langley Air Force Base, Ft. Eustis, Yorktown Naval Weapons Station, and Cheatam Annex. When you PCS to Hampton Roads, VA you will find that I understand that when a family member joins the military, the entire family belongs…thank you for serving our Country, and I look forward to serving your real estate needs!

When you are transferring to Langley AFB, Ft. Eustis, Yorktown Naval Weapons Station or Cheatam Annex, if you’re interested in buying a home for sale call 757-651-3763                    e-mail me at jenniferhernandez@lizmoore.com

Active Duty Military in Hampton Roads, and Want to Play the Housing Game and Win!

By: Williamsburg Military Insider

Today’s military consumers face a real estate market that’s drastically different from the housing boom of just a few years ago.

But while the go-go days of soaring prices, bidding wars and fast transactions may be over, that doesn’t mean there aren’t good options for buyers and sellers. If you are planning to buy or sell a house soon, you still can develop a winning strategy and master the housing game.
If You’re Selling

Avoid sentimentality. You need to emotionally detach from your home when you begin contemplating selling. You don’t want to be thinking about all that went on in the home over the years. Today’s consumer needs to be logical about what they are doing so they can part with the home more easily.

Be realistic about pricing. Find a Military friendly agent and do evaluations of comparable properties that have sold nearby. Your Realtor can make recommendations for pricing your home.  You want to be careful and not overprice. There are a lot of choices out there, and you don’t want buyers to cast your home aside right away because of the price.

Think like a salesperson. Market where the people are: real estate and social networking websites. Be aware that potential buyers are judging your home from the street or from photos on the Web long before they get a closer look. You want to have good curb appeal and no clutter.  You want to make your home look inviting. Compare it to the competition — the other homes for sale in your area — and do what you can to make it better than the other homes the buyers are seeing.

Be flexible. Be willing to offer incentives, such as paying for closing costs, moving expenses, new appliances or upgrades. You don’t necessarily want to deeply discount your home. But  you do want to  keep in mind that you want to sell. Some things are worth holding out on, but don’t stand so firm on everything that you lose the deal.

I am a REALTOR with Liz Moore & Associates Also; I am part of the Liz Moore & Associates’ Military Team which specializes in homes for sale in James City County, Newport News, Hampton, York County, Poquoson, and Williamsburg, VA as well as surrounding markets. I offer Active Duty friendly support to families relocating to Langley Air Force Base, Ft. Eustis, Yorktown Naval Weapons Station, and Cheatam Annex. When you PCS to Hampton Roads, VA you will find that I understand that when a family member joins the military, the entire family belongs…thank you for serving our Country, and I look forward to serving your real estate needs!

When you are transferring to Langley AFB, Ft. Eustis, Yorktown Naval Weapons Station or Cheatam Annex, if you’re interested in buying a home for sale call 757-651-3763  e-mail me at jenniferhernandez@lizmoore.com

2012 (BAH) Basic Allowance for Housing Rates Will Rise in Hampton Roads, VA.

By:  Williamsburg Military Insider

2012 Basic Allowance for Housing rates will rise an average 2 percent next year, here in Hampton Roads, to include, Langley Air Force Base, Ft. Eustis, Yorktown Naval Weapons Station, and Cheatam Annex.

See the rates

When rates go up, all service members in a given location get the increase. But when rates dip, the military’s “individual rate protection” policy ensures that troops already settled in a location will not see their BAH decrease for as long as they remain in that location, assuming no change in dependency status or a reduction in pay grade.

That policy assures that troops who have signed long-term leases are not penalized if housing costs in their area fall.

BAH rates remain high by historical standards. Until 2005, troops were expected to cover some of their housing costs out of their own pockets. But Congress changed the law, and now the Pentagon gives troops 100 percent of estimated housing costs for their area.

Median rental costs are only one factor in the complex formula officials use to determine BAH rates. It also includes the average utilities costs and renter’s insurance rates. The Pentagon analyzes that data annually for 365 U.S. housing markets, including Alaska and Hawaii.

The Defense Department will pay out a total of about $20 billion in BAH, a slight uptick from last year’s total of about $19 billion. More than 1 million troops receive BAH to cover housing off post or rent in privatized housing complexes on military installations.

I am a REALTOR with Liz Moore & Associates Also; I am part of the Liz Moore & Associates’ Military Team which specializes in homes for sale in James City County, Newport News, Hampton, York County, Poquoson, and Williamsburg, VA as well as surrounding markets. I offer Active Duty friendly support to families relocating to Langley Air Force Base, Ft. Eustis, Yorktown Naval Weapons Station, and Cheatam Annex. When you PCS to Hampton Roads, VA you will find that I understand that when a family member joins the military, the entire family belongs…thank you for serving our Country, and I look forward to serving your real estate needs!

When you are transferring to Langley AFB, Ft. Eustis, Yorktown Naval Weapons Station or Cheatam Annex, if you’re interested in buying a home for sale call 757-651-3763   or e-mail me at jenniferhernandez@lizmoore.com

Curious How Local Lenders Verify Employment for Active Duty Service Members in Willilamsburg?

By:  Williamsburg Military Insider

After just personally going through a refinance of our home with a VA Loan, I was reminded of how lenders verify employment for Active Duty Service Members. Verifying a prospective homebuyer’s employment is one of the key steps of the loan process.

VA lenders need to ensure a borrower has a steady, reliable income stream that’s likely to continue and that covers their future housing needs. For veterans, military spouses and others, lenders will send a Verification of Employment (VOE), an official VA document, to past and current employers.

But the process is a bit different for prospective homebuyers still actively serving in the military.

Different Paperwork
Lenders will require a Leave and Earnings Statement (LES) instead of a VOE for active service members. It contains the same basic financial information. Active duty members can acquire their LES online by using the MyPay portal at https://mypay.dfas.mil/mypay.aspx.

Base pay counts as stable and reliable as long as the service member isn’t within a year of release from active duty. Lenders can also include as effective income a service member’s Basic Allowance for Housing and occasionally other military allowances — clothing, flight pay, combat pay and others — provided they’re verified and expected to continue.

Service members within a year of their release from active duty or the conclusion of their contract term can present a unique challenge.

Nearing Discharge
If their discharge date falls within 12 months of the anticipated date of their loan closing, the lender has to take a few extra steps to satisfy the VA. It makes sense, considering there may be uncertainty regarding the type of job and income that awaits the recently discharged veteran.

Given those potential question marks, lenders typically have to document at least one of the following four elements, if not more:

• That the service member has already re-upped or otherwise extended active duty service beyond that 12-month window, or
• The service member has a legitimate job offer in the civilian world (information about earnings and other standard data has to be included), or
• Significant underwriting factors that compensate for uncertainty, such as a down payment of at least 10 percent or noteworthy cash reserves, or
• A written statement from the service member declaring his or her intent to reenlist or extend service, along with
• A written statement from a commanding officer confirming the member’s eligibility to reenlist or extend service and that it’s likely to go through.

I am a REALTOR with Liz Moore & Associates Also; I am part of the Liz Moore & Associates’ Military Team which specializes in homes for sale in James City County, Newport News, Hampton, York County, Poquoson, and Williamsburg, VA as well as surrounding markets. I offer Active Duty friendly support to families relocating to Langley Air Force Base, Ft. Eustis, Yorktown Naval Weapons Station, and Cheatam Annex. When you PCS to Hampton Roads, VA you will find that I understand that when a family member joins the military, the entire family belongs…thank you for serving our Country, and I look forward to serving your real estate needs!

When you are transferring to Langley AFB, Ft. Eustis, Yorktown Naval Weapons Station or Cheatam Annex, if you’re interested in buying a home for sale call 757-651-3763   or e-mail me at jenniferhernandez@lizmoore.com

Living in Williamsburg, VA you are in an amazing area for the lights that glow the season! Virginia’s 100 Miles of Lights.

By:  Williamsburg Military Insider

Hello December!  No better way to start the month than viewing the 100 Miles of Lights. Share the glow of the season and experience millions of lights and hundreds of events from Virginia’s capital city Richmond  to the Atlantic Ocean, Virginia Beach.  The region will glitter and glow, sparkle and shine with lights, lights and more lights. 100 Miles of Lights features holiday events and activities in Richmond, Williamsburg, Newport News, Hampton, Norfolk, Portsmouth and Virginia Beach.

Richmond

Nov 25-Jan 9 –Dominion GardenFest of Lights at Lewis Ginter Botanical Garden is a spectacular not-to-be-missed tour featuring more than 700,000 lights.

Dec 26-27Holiday Glitter: Monument Avenue After Dark – Enjoy the lights and glitter of Monument Avenue while it’s decked out for the holidays. This early evening stroll combines history with a touch of glitz!

Williamsburg

Nov 25-27, Dec 2-4, 9-11, 16-24, 26-31- Christmas Town: A Busch Gardens Celebration – More than two million lights bring Christmas to Busch Gardens! Join in the fun of holiday traditions, dazzling shows, signature peppermint fudge hot chocolate, and of course, the 50′ tall light-animated Christmas tree.!

Dec 4 – Colonial Williamsburg Grand Illumination – Don’t miss this awesome night of musical performances and three separate fireworks displays. No tickets or reservations required!

Dec 24 – Colonial Williamsburg: Colonial Christmas Tree Lighting – Gather ’round for the the annual Christmas tree illumination and retelling of the city’s first Christmas tree.

Newport News

Nov 24-Jan 1 – Celebration in Lights is a 2-mile drive-through of spectacular holiday light displays in Newport News Regional Park. The park’s lakes become magical mirrors reflecting sailing ships and spring blooming trees. Other displays include animated arches, muliti-colored snowflakes and leaping reindeer!

Dec 2 –Hollydazzle – This unique holiday event combines fireworks, special effects and music in a spectacular show presented “in the round” on the five-acre Fountain Plaza. Free children’s activities and holiday performances throughout the City Center at Oyster Point area, plus great shopping all along Merchant’s Walk.

Hampton

Dec 3 – 23rd Annual Lighted Boat Parade – It’s a beautiful parade on the water as 20 boats or more glide along the Hampton River, reflecting their shimmering lights.

Dec 11 – Hampton Holly Days Parade – It’s the only time you’re allowed to create a wake in Downtown Hampton! Come join the fun at the Peninsula’s largest illuminated parade as well-crafted floats drift by and marching bands swim past in a sea of color.

Norfolk

Nov 24-Jan 1 – Dominion Garden of Lights – Bring your family and friends to our 17th annual light show extravaganza for a magical holiday experience. During this event, our garden is transformed into a winter wonderland where you can enjoy a 2-mile drive through a million sparkling lights bringing the four seasons to life.

Portsmouth

Nov 18, 25, 26-Dec 31 – Don’t miss Winter Wonderland: The Coleman Collection featuring animated figures. Musical performers, make-and-take crafts and strolling holiday characters make this a popular event!

Virginia Beach

Nov. 18-Jan 1 – Drive along the boardwalk in Virginia Beach to take in the spectacle of the McDonald’s Holiday Lights at the Beach. Festive fish, jumping dolphins, frolicking porpoises – all in bright, colored lights against the clear night-time sky at the Oceanfront! This is the only time cars are ever allowed on the boardwalk!

Dec 2 – Illumination and Christmas Tree Lighting – The holiday lights go on and the festive season begins at 7 pm with entertainment at the Victory Monument followed by the Procession of Lights through historic Yorktown to Riverwalk Landing. The tree lighting ceremony and visit from Santa, begins at 7:30 pm.

Dec 3 – Lighted Boat Parade – Decorated in holiday spirit, area boaters parade the York River in competition for “Best of Show.” Waterfront events begin at 6 pm. Enjoy hot cider and musical performances in the glow of a beach bonfire while awaiting the magnificent parade of lights. Sponsored by the Yorktown Lighted Boat Parade Committee and Wormley Creek Marina.

I am a REALTOR with Liz Moore & Associates Also; I am part of the Liz Moore & Associates’ Military Team which specializes in homes for sale in James City County, Newport News, Hampton, York County, Poquoson, and Williamsburg, VA as well as surrounding markets. I offer Active Duty friendly support to families relocating to Langley Air Force Base, Ft. Eustis, Yorktown Naval Weapons Station, and Cheatam Annex. When you PCS to Hampton Roads, VA you will find that I understand that when a family member joins the military, the entire family belongs…thank you for serving our Country, and I look forward to serving your real estate needs!

When you are transferring to Langley AFB, Ft. Eustis, Yorktown Naval Weapons Station or Cheatam Annex, if you’re interested in buying a home for sale call 757-651-3763              757-651-3763   or e-mail me at jenniferhernandez@lizmoore.com

‘Extreme Makeover’ Seeks Military Families for Holiday Episode

By:  Williamsburg Military Insider

The cast of ABC’s “Extreme Makeover: Home Edition” would like to brighten the holidays for a deserving military family this year. The reality show is seeking nominations for military families in desperate need of a home makeover. The selected family will be featured in an upcoming holiday episode.

The popular reality show features Ty Pennington, his design team and a host of volunteers performing a massive home makeover in just seven days. The show focuses on families whose home situation is a severe hindrance to their quality of life.

Extreme Makeover really wants to help families whose homes present major problems for the family — those big issues that affect the family’s quality of life on a daily basis. Extreme makeover wants to find deserving people who just don’t have the resources, ability or time to fix those serious issues without our help.

Families in need of a makeover or community members who know of a deserving family in the Williamsburg/Hampton Roads Peninsula are welcome to submit nominations. Nominations must include the names and ages of every household member, a description of the major challenges within the home, a short description of the family story, and a contact phone number.

People should also explain why the family is deserving, heroic or a great role model in their community and, if possible, include recent photos of the family and home. People can submit nominations via email to jax@emhe.tv.

For more information on how to apply, visit the show’s website at http://abc.go.com/shows/extreme-makeover-home-edition/apply

I am a REALTOR with Liz Moore & Associates Also; I am part of the Liz Moore & Associates’ Military Team which specializes in homes for sale in James City County, Newport News, Hampton, York County, Poquoson, and Williamsburg, VA as well as surrounding markets. I offer Active Duty friendly support to families relocating to Langley Air Force Base, Ft. Eustis, Yorktown Naval Weapons Station, and Cheatam Annex. When you PCS to Hampton Roads, VA you will find that I understand that when a family member joins the military, the entire family belongs…thank you for serving our Country, and I look forward to serving your real estate needs!

When you are transferring to Langley AFB, Ft. Eustis, Yorktown Naval Weapons Station or Cheatam Annex, if you’re interested in buying a home for sale call 757-651-3763  or e-mail me at jenniferhernandez@lizmoore.com