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Buyer Tips Sam Bard 10/14/26 Buyer Tips Sam Bard 10/14/26

Renovation Loan in Northern Virginia: 203(k) vs. HomeStyle

Buying a fixer-upper in Northern Virginia? Compare an FHA 203(k) and Fannie Mae HomeStyle renovation loan: down payment, limits, and which one fits you.

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Buyer Tips, Seller Tips Sam Bard 10/13/26 Buyer Tips, Seller Tips Sam Bard 10/13/26

Can a Seller Back Out of a Contract in Northern Virginia?

Can a seller back out of a contract in Northern Virginia? Not freely. Learn the legal exits, buyer remedies, and what a walk-away costs. Free valuation.

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Seller Tips, Buyer Tips Sam Bard 10/9/26 Seller Tips, Buyer Tips Sam Bard 10/9/26

Property Tax Proration in Northern Virginia: Who Pays at Settlement?

Property tax proration in Northern Virginia: sellers pay taxes through settlement, buyers after. See Fairfax, Loudoun & PWC due dates and a worked example.

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Buyer Tips Sam Bard 10/8/26 Buyer Tips Sam Bard 10/8/26

Rollback Taxes in Northern Virginia: Who Pays at Settlement?

Rollback taxes in Northern Virginia hit the owner when land use changes: 5 years of back tax plus interest. See who pays and what Virginia's 2026 law changes.

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Buyer Tips Sam Bard 10/7/26 Buyer Tips Sam Bard 10/7/26

Mortgage Rate Lock in Northern Virginia: Lock Now or Float?

Rates just hit 7.28%. Lock at ratification, match 45–60 days to your NoVA settlement date, and get the lock extension price in writing before delays hit.

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Buyer Tips Sam Bard 10/2/26 Buyer Tips Sam Bard 10/2/26

ARM vs. 30-Year Fixed Mortgage in Northern Virginia: Is an ARM Worth It at 7%?

With 30-year rates near 7.4%, is an ARM worth it in Northern Virginia? See real payment math on a $765,000 home, reset risk, and who should choose one.

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Buyer Tips, Seller Tips Sam Bard 9/30/26 Buyer Tips, Seller Tips Sam Bard 9/30/26

Lowball Offers in Northern Virginia: How They Work & When They Get Accepted

A lowball offer in Northern Virginia works only on overpriced or stale listings. Learn when to try one, what to offer, and how sellers should respond.

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Buyer Tips Sam Bard 9/29/26 Buyer Tips Sam Bard 9/29/26

Sewer Scope Inspection in Northern Virginia: Is It Worth It Before You Buy?

A sewer scope inspection in Northern Virginia costs about $125–$350 and can save you $3,000–$10,000+. Learn who pays for repairs and exactly when to order one.

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Buyer Tips, Seller Tips Sam Bard 9/16/26 Buyer Tips, Seller Tips Sam Bard 9/16/26

Discriminatory Covenants in Your Deed: What Virginia's New 2026 Law Requires

Found a discriminatory covenant in your Northern Virginia deed? Virginia's new HB 39 requires disclosure at settlement — here's how to remove it for good.

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Buyer Tips Sam Bard 9/14/26 Buyer Tips Sam Bard 9/14/26

Rate Buydown vs. Price Reduction: What Northern Virginia Buyers Should Ask For

A seller-paid rate buydown can save Northern Virginia buyers more monthly than a price cut of the same size. Here's how to decide which to negotiate for.

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Buyer Tips, Seller Tips Sam Bard 9/11/26 Buyer Tips, Seller Tips Sam Bard 9/11/26

Virginia's New ADU Law: What Fairfax, Arlington & Loudoun Homeowners Need to Know

Virginia's SB 531 makes ADUs legal by right in 2027, but Fairfax, Arlington & Alexandria keep their own rules today. Here's what NoVA owners should know.

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Seller Tips, Buyer Tips Sam Bard 9/10/26 Seller Tips, Buyer Tips Sam Bard 9/10/26

Fairfax County Property Tax Assessment Appeals: What the Deadlines Are & How to Win

Fairfax County assessments rose about 4% in 2026. Here's how NoVA homeowners appeal, what the deadlines are, and what evidence actually works.

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Buyer Tips, Seller Tips Sam Bard 9/9/26 Buyer Tips, Seller Tips Sam Bard 9/9/26

VA Loan Assumption in Northern Virginia: How It Works & What It Saves You in 2026

A VA loan assumption lets Northern Virginia buyers inherit a seller's 2020-2022 rate as low as 2.5%. Here's how the process, costs, and timeline work in 2026.

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Buyer Tips, Seller Tips Sam Bard 9/8/26 Buyer Tips, Seller Tips Sam Bard 9/8/26

Non-Warrantable Condos in Northern Virginia: What the 2026 Financing Rule Change Means for Buyers

Fannie Mae's 2026 Full Review rule can make Northern Virginia condos non-warrantable. Here's what that means for financing in Reston, Fairfax & Arlington.

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Buyer Tips Sam Bard 9/4/26 Buyer Tips Sam Bard 9/4/26

Condo vs. Townhouse in Northern Virginia: Which Should You Buy?

Comparing a condo and a townhouse in Northern Virginia? Here's how financing, monthly fees, and resale differ across Reston, McLean, and Fairfax County.

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Buyer Tips Sam Bard 9/3/26 Buyer Tips Sam Bard 9/3/26

Under Contract in Northern Virginia? The Due Diligence Buyers Can't Skip

Virginia is buyer-beware, so your own homework protects you most. Here's the due diligence checklist Northern Virginia buyers need before closing.

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Buyer Tips, Seller Tips Sam Bard 9/2/26 Buyer Tips, Seller Tips Sam Bard 9/2/26

Government Shutdown and Buying a Home in ModeDisNorthern Virginia

A government shutdown can delay your Northern Virginia home purchase or sale. Here's how it affects federal employee buyers, sellers, and closings.

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Buyer Tips, Seller Tips Sam Bard 9/1/26 Buyer Tips, Seller Tips Sam Bard 9/1/26

Home Sale Contingency in Northern Virginia: New 2026 MLS Rule

Making an offer contingent on selling your home in Northern Virginia? A new 2026 NVAR rule requires your home listed "Active" fast. Here's what it means.

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Buyer Tips, Seller Tips Sam Bard 8/31/26 Buyer Tips, Seller Tips Sam Bard 8/31/26

Can You Rent Out Your Condo in Northern Virginia?

Thinking about renting out your Northern Virginia condo or townhome? Here's how HOA and condo rental caps work, and how to check before you buy or lease.

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Buyer Tips Sam Bard 8/27/26 Buyer Tips Sam Bard 8/27/26

Low Appraisal in Northern Virginia: What Buyers Do Next

Your Northern Virginia home appraised below the contract price. Here's how the appraisal contingency works and exactly what buyers can do next.

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