Tuesday, July 21, 2015

Charlottesville Lender Spotlight: Andy Zemon at Waterstone Mortgage

ANDY ZEMON – WATERSTONE MORTGAGE CORPORATION

ABOUT ANDY ZEMON - Cville Loan Officer

Andy Zemon - Waterstone Mortgage Corporation
Andy Zemon
Andy Zemon works as the Sales Manager and Loan Officer with Waterstone Mortgage Corporation. He is responsible for the significant growth of this family-run branch and offers his in-depth industry knowledge to assist many of the regions’ homebuyers. To date he has helped more than 1500 families in his career.
Andy Zemon’s passion is providing mortgage-based financial plans and is the preferred lender for some of the area’s top builders and REALTORS®  – including Virginia Real Estate Solutions LLC. Andy is one of only three Certified Mortgage Planning Specialists in the Central Virginia area.
In addition to running his own team within Waterstone Mortgage, Andy provides continuing education courses through the Charlottesville Area Association of Realtors. He also offers seminars through the local Chamber of Commerce as well as for many local real estate offices on the finer points of owning and growing their businesses. Andy has also been featured on the WINA live morning show and the local NBC affiliate as a lending and financial expert.
Before moving back to his hometown of Charlottesville, Andy worked in business development in the Washington, DC area. He received his degree in Consumer Affairs at The Ohio State University. He is a past player of the Virginia Men’s Rugby Club and currently volunteers over 1100 hours a year with the Seminole Trail Volunteer Fire Department as both a driver and firefighter.
Andy is married to his beautiful wife, Chanda, an orthodontist in the Charlottesville area and together they have two beautiful girls named Stella and Libby.

Find Andy Zemon on Social Media:

Andy Zemon on Twitter: https://twitter.com/zemon76
Andy Zemon on Pinterest: https://www.pinterest.com/zemon76/
Andy Zemon on Soundcloud: https://soundcloud.com/zemon-team


AVAILABLE CHARLOTTESVILLE LOAN PROGRAMS

CONVENTIONAL LOANS (FIXED- AND ADJUSTABLE RATE MORTGAGES)

At Waterstone Mortgage, we offer a variety of Conventional Loan programs to meet your needs. Let us help you achieve your dreams of home ownership with a purchase or refinance.
  • Choose the program that’s right for you
  • Fast, local service
  • Quick turnaround times
  • Competitive rates

DEBT CONSOLIDATION

If you’re looking to consolidate your debt as you purchase or refinance your home, we offer a variety of mortgage loan programs to meet your needs. Contact us today to learn more about debt consolidation!

FHA 203(K) FULL AND STREAMLINE LOANS

FHA 203(k) Streamline loans are an affordable financial tool you can use to buy AND fix up your home. With a 203(k) Streamline Loan, you may be able to purchase a property and bundle the cost of repairs, upgrades and other improvements all into one FHA loan.  We partner with Rob Alley and Virginia Real Estate Solutions to help you create your dream home for less money!  Features of the FHA loan type are:
  • Low down payments
  • Some fees may be financed
  • One loan with one closing
  • Mortgage amount based on after-improved value
AN FHA 203(K) STREAMLINE LOAN IS A GOVERNMENT-SPONSORED LOAN SUBJECT TO CERTAIN QUALIFICATIONS AND RESTRICTIONS. A 203(K) SPECIALIST WILL PROVIDE YOU WITH ADDITIONAL INFORMATION TO HELP YOU DETERMINE IF YOU QUALIFY, AS WELL AT A 203K REAL ESTATE AGENT EXPERT.

FHA LOANS

FHA loans are designed to help first-time homebuyers and seasoned homeowners by providing them with a low down payment option. Plus, it’s now easier than ever to qualify!
  • Down payments as low as 3.5%
  • Your loan is guaranteed by the government
  • Less than perfect credit can apply
  • Energy-efficient mortgages, reverse mortgages, refinances, and renovation loans also available
AN FHA LOAN IS A GOVERNMENT-SPONSORED LOAN SUBJECT TO CERTAIN QUALIFICATIONS AND RESTRICTIONS. A MORTGAGE LOAN SPECIALIST WILL PROVIDE YOU WITH ADDITIONAL INFORMATION TO HELP YOU DETERMINE IF YOU QUALIFY.

FHA STREAMLINE REFINANCES

Let Waterstone Mortgage help make home ownership more affordable with an FHA Streamline refinance loan. FHA Streamline refinances are designed for people who already have FHA mortgages and want to lower their monthly payments.
  • Lower your monthly payments – permanently
  • Home re-appraisal not required to refinance
  • Decreased mortgage insurance premiums for FHA loans endorsed on or before May 31, 2009
AN FHA STREAMLINE REFINANCE IS A GOVERNMENT-SPONSORED LOAN SUBJECT TO CERTAIN QUALIFICATIONS AND RESTRICTIONS. A MORTGAGE LOAN SPECIALIST WILL PROVIDE YOU WITH ADDITIONAL INFORMATION TO HELP YOU DETERMINE IF YOU QUALIFY.

FIRST-TIME HOME BUYER PROGRAMS

If you’re a first-time homebuyer, we’ll give you the expert advice you need to help you make your home ownership dreams come true. With new programs and options, it’s easier than you think.
  • Build equity
  • Tax benefits
  • No surprise rent hikes
  • Decorate and landscape the way you want

HOME AFFORDABLE REFINANCING PROGRAM (HARP)

If you’re not behind on your mortgage payments but have been unable to get traditional refinancing because the value of your home has declined, you may be eligible to refinance with the Home Affordable Refinance Program (HARP).
  • No limit on maximum loan to value for most mortgages
  • Mortgage insurance not required in most cases
  • Reduction or elimination of some fees

INTEREST-ONLY LOANS

At Waterstone Mortgage, we offer a variety of mortgage loan programs to meet your needs, including interest-only options. Contact us today to learn more about interest-only loans!

INVESTMENT PROPERTY FINANCING

If you’re a real estate investor, we can help you take advantage of opportunities in today’s market with financing for up to 4 properties. With our low interest rates and lending fees, we’ll ensure that you’re maximizing your potential profit.
  • Finance up to 85% loan to value for 1 property
  • Finance up to 75% loan to value for 2-4 properties
  • A variety of loan programs available to meet your needs

 JUMBO LOANS 

Jumbo loans make it easier than ever for borrowers who dream big to own big. Let us help you achieve your dreams with reasonable terms and low rates.
  • Financing options up to $5 million
  • Interest-only option available for some ARMs

LOANS FOR “LESS THAN PERFECT” CREDIT

We offer a variety of mortgage loan programs to meet your needs, including programs for people with “less than perfect” credit.

MORTGAGE PLANNING

Make the jump to home ownership! We’ve created a Path2Buy program to get you on the road to meeting your home buying goals. It works for renters looking to buy their own home, or current owners looking to move up, buy an investment property, or refinance their current property. Contact us today to get on the Path 2Buy!
Path2Buy coaches may provide financial guidance, but this in no way constitutes legal advice or credit counseling. The Path2Buy system is not an application for credit. If at any time you wish to proceed to an application for credit, you must complete an application in accordance with regular Waterstone Mortage procedures.

NEW HOME PURCHASES

Are you ready to buy a new home? We offer a variety of home loan programs to meet your needs. From conventional loans to government loans to specialty products, we’ll help you find the program that’s right for you.
  • Choose the program that’s right for you
  • Fast, local service
  • Quick turnaround times
  • Competitive rates

PURCHASING AFTER BANKRUPTCY, FORECLOSURE OR SHORT SALE

A bankruptcy, foreclosure, or short sale doesn’t mean that you’ll never be able to own a home again. We offer a Path2Buy program to work with you on your credit and finances so that when the required “waiting period” has passed, you’ll be ready to buy a new home. Contact us to get started today!

REFINANCES

Mortgage interest rates are at historic lows, making now the perfect time to look into refinancing your home with Waterstone Mortgage.
  • Increase your savings or cash flow
  • Shorten the length of your mortgage
  • Consolidate your first and second mortgage
  • Use your equity for extra cash

USDA / RURAL DEVELOPMENT LOANS

USDA loans are designed to encourage rural land development and growth in rural areas. They were long thought of as “Farmers Loans”, but eligibility has recently been loosened, giving many people looking to purchase or refinance in a rural area access to the incredible benefits offered by these loans.
  • 100% financing option available
  • Great rates and down payment options
  • Better terms than a FHA or conventional loan
  • Flexible credit guidelines mean less than perfect credit may still qualify
A USDA LOAN IS A GOVERNMENT-SPONSORED LOAN SUBJECT TO CERTAIN QUALIFICATIONS AND RESTRICTIONS. A MORTGAGE LOAN SPECIALIST WILL PROVIDE YOU WITH ADDITIONAL INFORMATION TO HELP YOU DETERMINE IF YOU QUALIFY.

VA LOANS

Insured by the Veteran Affairs Department, VA Loans allow eligible veterans to realize their home buying dreams, and help existing VA homeowners with money-saving refinance options.
  • 100% financing options available
  • No private mortage insurance requirements
  • No prepayment penalty
  • Less than perfect credit can apply
A VA LOAN IS A GOVERNMENT-SPONSORED LOAN SUBJECT TO CERTAIN QUALIFICATIONS AND RESTRICTIONS. A MORTGAGE LOAN SPECIALIST WILL PROVIDE YOU WITH ADDITIONAL INFORMATION TO HELP YOU DETERMINE IF YOU QUALIFY.

Contact Andy Zemon
Waterstone Mortgage

Direct:(434) 529-8421
Fax:(434) 906-2570
Fax:(434) 975-4700
Email:azemon@waterstonemortgage.com
Content for this article was provided by ForestLakesLiving.com

About the author: The above Real Estate was provided by Rob Alley, a leader in his field. Rob can be reached via email at roballeyrealtor@gmail.com or by phone at 434-964-8369. Rob has helped people move in and out of many Central Virginia towns for the last 8+ Years. Thinking of selling your home? I have a passion for Real Estate and love to share my marketing expertise! I service the following towns in Central VA: Charlottesville, Keswick, Scottsville, Ruckersville, Stanardsville, Crozet, Ivy, Greewnwood, Albemarle, Louisa, Orange, Nelson, Fluvanna, Amherst, Bedford, Campbell, Lynchburg, Waynesboro, Fisherville and Augusta

434-964-8369
roballeyrealtor@gmail.com

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Saturday, July 18, 2015

Need help qualifying for a mortgage? Try the product from Andy Zemon - Path 2 Buy

PATH 2 BUY 

ANDY ZEMON AT WATERSTONE MORTAGE CORPORATION IN CHARLOTTESVILLE, VA

WHAT IS PATH2BUY?

Path2Buy is a blueprint – a solid, proven system to get you on the road to meeting your home buying goals. It works for renters looking to buy their own home or for current owners looking to move up, buy an investment property, or refinance their current property.
The Path2Buy coaches at Waterstone Mortgage Corporation are experts in today’s mortgage lending environment. They know how to navigate the programs and guidelines and will help you every step of the way. The Path2Buy program succeeds because we understand you’re surrounded by concerns, questions and fears. We help you deal with them with a plan designed especially for you.
But the blueprint is not the end of it. We’ll keep in regular contact with you to make sure you’re still on the right track. Together we’ll get you on the Path2Buy.

HERE’S HOW ANDY ZEMON’S TEAM WILL HELP

CREDIT SCORES.

Your current rating isn’t quite as high as it needs to be to qualify for a mortgage.
Your coach advises you and gives you access to the tools necessary to improve your credit scores, while checking in every 45 days to keep you on track.

DOWN PAYMENT.

You don’t have the necessary down payment just yet. In an online, debit card world, it’s easy to spend money you can’t see.
Your Path2Buy coach understands the “real” numbers required for a down payment (for example, 3.5% for FHA loans) and can show you what to do to get there. Your coach will help you stay on the path with regular check-ups.

JOB INSECURITY.

You’re afraid to commit to a mortgage because your current job doesn’t feel secure.
Your Path2Buy coach keeps in touch to check on changes in your job outlook. Together, you’ll be ready to make the move when you feel the time is right.

DEBT-TO-INCOME RATIOS.

You have too much debt to qualify for a mortgage right now.
Well-versed in debt management, your coach can share valuable tips and insight creating a debt paydown plan that will keep you on the Path2Buy.

DEBT-TO-INCOME COMFORT ZONE.

Your debt‑to‑income ratio may be acceptable to others but not for your comfort levels. You have other obligations like tuition, or helping out a family member, that don’t show up on your credit report but get paid out of your checkbook.
Once you share your financial position with your Path2Buy coach, you’ll receive solid advice on getting yourself to a point where you feel more comfortable with your debt.

MISINFORMATION.

Anyone can post a blog, publish a website, or create a YouTube video. Many people believe false reports about credit qualification, down payments and other issues related to home buying.
Your Path2Buy coach will give you accurate and reliable information on down payment, credit score minimums, and other home buying issues, and will keep you up to date with all guidelines in the ever-changing mortgage industry.

MOBILITY.

You are concerned that your job may transfer you, or a new job would require you to relocate, and are worried about how quickly you can sell the house you just bought.
Your Path2Buy coach will update you on the average selling time in your specific market. Your coach will also be connected to the right individuals who can provide advice if renting out your home becomes an alternative.

WHERE DO I START?

Are you ready to get on the Path2Buy? Request a free consultation to get started today!
About the author: The above Real Estate was provided by Rob Alley, a leader in his field at RE/MAX Realty Specialists. Rob can be reached via email at roballeyrealtor@gmail.com or by phone at 434-964-8369. Rob has helped people move in and out of many Central Virginia towns for the last 8+ Years.
Thinking of selling your home? I have a passion for Real Estate and love to share my marketing expertise! I service the following towns in Central VA: Charlottesville, Keswick, Scottsville, Ruckersville, Stanardsville, Crozet, Ivy, Greewnwood, FarmingtonForest LakesDunloraDunlora ForestBelmont,  Albemarle, Louisa, Orange, Nelson, Fluvanna, Amherst, Bedford, Campbell, Lynchburg, Waynesboro, Fisherville and Augusta

434-964-8369
roballeyrealtor@gmail.com

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Monday, July 6, 2015

Charlottesville Real Estate Spotlight - 1511 Cherry Ave Charlottesville VA $289,900

1511 Cherry Ave Charlottesville VA

3 BEDS | 2 BATHS | 1300+ SQUARE FT – $289,900

1511 Cherry Ave – Wonderfully renovated home in the heart of Charlottesville! This 3 bedroom 2 bathroom home sits on a large city lot close to downtown, UVA, the corner, the Barracks Rd Shopping Center, and Route 250! The 1300+ square foot home boasts hardwood floors throughout most of the home and a new kitchen with a breakfast bar, ceramic tile, granite counter tops, a tile back splash and stainless steel appliances. The dining room has lots of natural light and is perfect for dinner parties! A large Master Suite includes a large bedroom, a separate sitting area and dual vanities. Call Rob Alley @ 540-250-3275 to schedule a showing or for more information!  RE/MAX Realty Specialists
1511 Cherry Ave Charlottesville VA Virtual Tour:

1511 Cherry Ave Charlottesville VA Photo Gallery:

434-964-8369
roballeyrealtor@gmail.com

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Monday, June 29, 2015

Affordable Townhome for Sale 3101 Link Rd APT 20, Lynchburg, VA 24503

3101 LINK RD #20 LYNCHBURG, VA 24503

AFFORDABLE TOWNHOUSE FOR SALE

$118,500 | 2 BEDS | 1 FULL BATH | 2 HALF BATHS

Virtual Tour:
See this lovely, centrally located townhome in person to truly appreciate its craftsmanship. Recently updated throughout, this gem is in a community surrounded by mature trees, sidewalks and park-like settings. Complete with new energy efficient windows and doors, this home is move-in ready. The main level ceilings have been raised to create a large open space. Main level features wood laminate floors, crown molding, and recessed lighting throughout. Kitchen and baths feature new tile, cabinets, and fixtures. Open living and dining area with tons of natural light from the bay window. 2nd level includes spacious bedrooms with large closets. Finished basement opens to private patio.

3101 LINK RD  APT 20 LYNCHBURG VA PHOTO GALLERY:










LISTED BY RORY LEE-WASHINGTON | 434-409-1933 |MR.RLEEWASHINGTON@GMAIL.COM

About the author: The above Real Estate was provided by Rob Alley, a leader in his field. Rob can be reached via email at roballeyrealtor@gmail.com or by phone at 434-964-8369. Rob has helped people move in and out of many Central Virginia towns for the last 8+ Years. Thinking of selling your home? I have a passion for Real Estate and love to share my marketing expertise! I service the following towns in Central VA: Charlottesville, Keswick, Scottsville, Ruckersville, Stanardsville, Crozet, Ivy, Greewnwood, Albemarle, Louisa, Orange, Nelson, Fluvanna, Amherst, Bedford, Campbell, Lynchburg, Waynesboro, Fisherville and Augusta

434-964-8369
roballeyrealtor@gmail.com

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Friday, May 29, 2015

New Farmington Listing! 2715 FARMINGTON HTS CHARLOTTESVILLE VA 22901




New Listing in Farmington

Elegant 4BR brick home, over 6,700 finished square feet on two levels, completely renovated and enlarged 10 years ago with superb quality construction, materials and finish details.  Spacious living room & family room, superb kitchen, wonderful porch overlooking beautifully landscaped grounds, pool and golf course.

For Additional Information Please Contact:
Rob Alley
(434) 964-8369 Office
(540) 250-3275 Cell
roballeyrealtor@gmail.com

About the author: The above Real Estate was provided by Rob Alley, a leader in his field at RE/MAX Realty Specialists. Rob can be reached via email at roballeyrealtor@gmail.com or by phone at 434-964-8369. Rob has helped people move in and out of many Central Virginia towns for the last 8+ Years.

Thinking of selling your home? I have a passion for Real Estate and love to share my marketing expertise! I service the following towns in Central VA: Charlottesville, Keswick, Scottsville, Ruckersville, Stanardsville, Crozet, Ivy, Greewnwood, FarmingtonForest LakesDunloraDunlora ForestBelmont,  Albemarle, Louisa, Orange, Nelson, Fluvanna, Amherst, Bedford, Campbell, Lynchburg, Waynesboro, Fisherville and Augusta
434-964-8369
roballeyrealtor@gmail.com

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Thursday, May 28, 2015

Burtons Grill To Host Fundraiser for AHIP Thursday, 5/28/2015 | Rob Alley | Real Estate Agent | Charlottesville, VA Homes For Sale

Burtons Grill To Host Fundraiser for AHIP Thursday, 5/28/2015 | Rob Alley | Real Estate Agent | Charlottesville, VA Homes For Sale




About the author: The above Real Estate was provided by Rob Alley, a leader in his field at REMAX Realty Specialists. Rob can be reached via email at roballeyrealtor@gmail.com or by phone at 434-964-8369. Rob has helped people move in and out of many Central Virginia towns for the last 8+ Years.
Thinking of selling your home? I have a passion for Real Estate and love to share my marketing expertise! I service the following towns in Central VA: Charlottesville, Keswick, Scottsville, Ruckersville, Stanardsville, Crozet, Ivy, Greewnwood, FarmingtonForest LakesDunloraDunlora ForestBelmont,  Albemarle, Louisa, Orange, Nelson, Fluvanna, Amherst, Bedford, Campbell, Lynchburg, Waynesboro, Fisherville and Augusta
434-964-8369
roballeyrealtor@gmail.com

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Thursday, May 21, 2015

Dunlora Subdivision in Charlottesville VA - Homes for Sale and Neighborhood Information

Homes For Sale in Dunlora - Charlottesville, VA - RE/MAX Realty Specialists
About the author: The above Real Estate was provided by Rob Alley, a leader in his field at REMAX Realty Specialists. Rob can be reached via email at roballeyrealtor@gmail.com or by phone at 434-964-8369. Rob has helped people move in and out of many Central Virginia towns for the last 8+ Years.
Thinking of selling your home? I have a passion for Real Estate and love to share my marketing expertise! I service the following towns in Central VA: Charlottesville, Keswick, Scottsville, Ruckersville, Stanardsville, Crozet, Ivy, Greewnwood, FarmingtonForest LakesDunloraDunlora ForestBelmont,  Albemarle, Louisa, Orange, Nelson, Fluvanna, Amherst, Bedford, Campbell, Lynchburg, Waynesboro, Fisherville and Augusta

434-964-8369
roballeyrealtor@gmail.com

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Tuesday, May 19, 2015

$5,000 in Seller Paid Closing Costs Avaiable! 2177 Silk Wood Ct, Charlottesville, VA 22901

2177 SILK WOOD CT.

3 BRS    2520 FINISHED SQ FT.    $267,500     MLS# 530648

SELLER OFFERING $5,000 TOWARDS BUYERS CLOSING COSTS IF UNDER CONTRACT BY JUNE 1ST.

Seller offering $5,000 towards buyers closing costs if under contract by June 1st. Stunning 3 BR townhouse located across from NGIC/DIA entrance just 3 miles north on Rt29 from Hollymead Shopping Center in Charlottesville. An abundance of living space in this, the largest of the Ryan townhouse models. Numerous builder upgrades including fully finished basement with huge Rec Room, a Study/Library with double doors perfect for home office or playroom, and a finished storage room. Kitchen upgraded features include tile backsplash, granite counter tops, oversized island, upgraded 42" cherry cabinets and more. Energy Star certified! Open floor plan on main level ideal for entertaining. Beautiful master suite. Shows like new. Great location!
1 Results
3
Beds
2 | 1
Baths
2,520 
SqFt
 (25)
 
 
#530648
 
© 2015 Charlottesville Area Association of REALTORS®. All Rights Reserved.
IDX information is provided exclusively for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable, but is not guaranteed accurate by the MLS.
CAAR-Charlottesville data last updated at May 19, 2015 1:37 PM ET
Stunning 3 BR townhouse located across from NGIC/DIA entrance just 3 miles north on Route 29 from Hollymead Shopping Center (across from Forest Lakes North) in Charlottesville. An abundance of living space in this, the largest of the Ryan townhouse models.  Numerous  builder upgrades including fully finished basement with huge Rec Room, a Study/Library with double doors perfect for home office or playroom, and a finished storage room. Kitchen upgraded features include tile backsplash, granite counter tops, oversized island, upgraded 42″ cherry cabinets and more. Energy Star certified! Open floor plan on main level ideal for entertaining. Beautiful master suite. Shows like new. Great location!


About the author: The above Real Estate was provided by Rob Alley, a leader in his field. Rob can be reached via email at roballeyrealtor@gmail.com or by phone at 434-964-8369. Rob has helped people move in and out of many Central Virginia towns for the last 8+ Years. Thinking of selling your home? I have a passion for Real Estate and love to share my marketing expertise! I service the following towns in Central VA: Charlottesville, Keswick, Scottsville, Ruckersville, Stanardsville, Crozet, Ivy, Greewnwood, Albemarle, Louisa, Orange, Nelson, Fluvanna, Amherst, Bedford, Campbell, Lynchburg, Waynesboro, Fisherville and Augusta

434-964-8369
roballeyrealtor@gmail.com

 LIKE US (Only because there isn't a "LOVE US" button)