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Jennifer and Matthew Rathbun
Coldwell Banker Elite
5444 Jefferson Davis Highway
Suite 100
Fredericksburg,  VA  22407
800.826.2943
ext 687
815.301.6649 
Contact Me
Visit My Web Site
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The lot-line shocker
DEAR BENNY: I purchased my home in September 2000. My survey indicated that my fence was encroaching on my neighbor's property by three feet. My home was built in 1955 and I am the second owner. The four-foot chain-link fence has encircled this property for approximately 40 years, and my neighbor (who inherited his home from his parents) indicated that he had no plans of erecting a fence because his companion is claustrophobic.
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Freeze-proof your pipes
As winter temperatures go down, the risk of a frozen pipe goes up. Pipes can freeze in homes of any age and condition, and no matter what type of material your pipes are made from. So don't make the mistake of thinking that because your house is new it's safe, or because your house is older the materials are somehow stronger. The only way to prevent a frozen pipe is to keep it warm, and luckily that's not too hard to do.
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Should I Refinance?

Estimate Payments
Fixed or Adjustable?
Should I Make Extra Payments?
Will I Qualify?
How Much Can I Afford?
Jennifer and Matthew Rathbun
Coldwell Banker Elite
5444 Jefferson Davis Highway
Fredericksburg,  VA  22407
800.826.2943 ext 687
815.301.6649 
Contact Me
Visit My Web Site
Equal Housing Opportunity   
  
2010: year of the turnaround?
A spurt in home sales in 2009, aided by low interest rates and the first-time homebuyer tax credit, has led some economists to forecast a turnaround in the housing market this year. Other forecasters feel this is too optimistic a projection. ...more
 
If You were Planning on Using an FHA Loan, Now is the Time to Move
We heard the FHA changes were coming, and they will be here in April. Less Money from Sellers, More personal cash, higher Insurance Rates.. And this may also lead to higher interest rates. They price of the home might not change, but these fees can make a big difference in your monthly payment and closing costs when purchasing a new home. It may be too late to purchase a short sale with an FHA loan (have your agent research the status of the sale with the bank), but there are plenty of foreclosures and regular sales to choose from! ...more
 
Solution for icy gutters
With winter's storms comes the problem of ice buildup on the roof. No one relishes the thought of dragging out a ladder and trying to get all that ice out of the gutter. But if you allow it to build up in there, you are essentially forming the foundation that an ice dam will start building on, and once the ice dam takes hold it's a lot harder to get rid of. ...more
 
Rate-lock dos and don'ts
Interest rates dropped at the end of last year after creeping up over the summer, with 30-year fixed-rate mortgages with interest rates below 5 percent readily available. ...more
 
It's Electric
I had a family that contacted me about possibly purchasing a home here in Virginia. We’ve been talking about different communities, traffic, and homeschooling rules! ...more
 
Buying Short Sales
Buying a home can cause trepidation in the boldest of buyers, more so when the market is anything but traditional. Approximately 40% of the homes listed in Caroline, Va. are distressed sellers. A number of these Short Sale listings may not close before going to foreclosure. Whereas Ladysmith is doing better than it has in the past, the subdivisions in that area have a a number of these distressed properties. ...more
 
Get yourself some green for going green

One way to make a home more valuable (read: good for sales, good for property values) is to make it more energy efficient. Green sells, and green pays.


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