#
Kable Team Realty
Charles Town West Virginia Real Estate, Homes for Sale | Charles Town Realtors
Search West Virginia Real Estate for Sale
Featured Listings
Where To Live
Buying a Home in West Virginia - Jefferson County Homes for Sale
Selling Your Home in West Virginia - Jefferson County Real Estate
Charles Town WV Foreclosures | Jefferson County WV Foreclosures
Your West Virginia Real Estate Agent Specialist
Contact Your Charles Town, Harpers Ferry Real Estate Team Today
Jefferson & Berkeley Counties, WV Real Estate
Kable Team Realty's Preferred Service Providers
Buyers/Sellers

Latest Posts
Archive


 Eastern Panhandle WV Real Estate Blog 
Tuesday, 31 December 2013

With the new year here, you've most likely heard and, even more likely, noticed yourself, that mortgage rates are rising and fast. In past months, the interest rates were actually at historic lows while the housing recovery proceeded to make its way back to normal levels. And now, as we embark on a new year with new rates and new inventory, it may be the time for you to refinance your Eastern Panhandle home mortgage. 

Refinancing has been on the minds of many homeowners in Charles Town, Ranson, Shepherdstown, Harpers Ferry, Martinsburg, Inwood, Falling Waters, and Hedgesville this year and now is the time to decide if it’s right for you. Take a look at current mortgage rates and examine your own home mortgage rate and term to see if you might be able to secure a better rate. You can use a mortgage calculator to determine how much you can save on a monthly payment. If you have private mortgage insurance now, you might even be able to eliminate PMI with enough equity and lower your payments without refinancing. Below are a few steps to take if you've decided refinancing in the new year is right for you:

Consider Your Old Mortgage
The first thing you should do in this West Virginia real estate process is consider your old mortgage. Gather your latest mortgage statement to find your current rate, assess your annual property tax, know your credit score, and finally, find the costs of your insurance premiums.

Crunch the Numbers
Now is the time to play with a mortgage calculator or crunch the numbers yourself to estimate your new principle and interest rate for homes on the Eastern Panhandle. Consider how much to borrow and the length and terms of the loan, then compare the savings you might see.

Ask Around
Chances are your Eastern Panhandle real estate agent or friends and family have the names of trusted mortgage lends to recommend. Rates and estimates can always be found online, but quality service and attention cannot. Use your Eastern Panhandle real estate sources and find the best fit for you— many of them can be found simply by asking around your community and social circles.

Don't Apply Just Yet
A formal application lets your lender pull your credit score and when shopping around, pulling too many can actually hurt your score. Depending on your score, that can make a big difference.

Prepare, Gather, Decide
Shop around for the best rates, your preferred lender, gather all of the necessary documents, and then make a decision for the best possible scenario. When all of these have been decided, you are ready to apply for a Eastern Panhandle home mortgage. After it's all set, be prepared for surprises, delays, and roadblocks. 

For current homeowners in the Charles Town, Ranson, Shepherdstown, Harpers Ferry, Martinsburg, Inwood, Falling Waters, and Hedgesville areas, refinancing your home might be more beneficial than you would expect. 2014 is shaping up to be a great year to buy a home in Jefferson or Berkeley County and these tips just may make your homeowner experience in the coming year much more enjoyable.

Think you're ready to refinance? Have more questions? Contact the Kable Team today! 

The Kable Team
Kable Team Realty
Check Out Our Website
See Homes for Sale in Eastern Panhandle
Learn About The Kable Team
Find us on Facebook
Follow us on Twitter
Connect With us on LinkedIn

Posted by: Tracy Kable AT 03:55 pm   |  Permalink   |  Email
Monday, 23 December 2013

Holiday Gift Wrapping at the Martinsburg Mall
Through December 24, 2013; Mall Hours
Martinsburg Mall, Martinsburg WV

Here’s an opportunity to support local children’s programs without breaking your budget!  We just need you to have a few hours of your time, your smiling face and a little manual dexterity.  Volunteer at our Holiday Gift Wrap both at the Martinsburg Mall from November 29th to December 24, 2013.  Grab some friends (or family) and spend a few hours this holiday season helping us help kids in our community. This convenient gift wrapping service will get you in the spirit! 

Holiday Ornament Sale
Newberry Executive Center—142 N. Queen Street; Mon-Fri 9 AM-5 PM
Berkeley County Convention & Visitors Bureau— 115 N. Queen Street in Martinsburg; Mon-Fri 9 AM-5 PM


These beautiful ornaments are the perfect gift for friends or family that have moved out of the area and are sure to become a cherished keepsake and heirloom. Since they are being produced in a limited quantity, they will be sold on a first come, first serve basis. Come grab a last minute Christmas gift!

Holiday Brunch at the McFarland House
December 29, 2013; Begins at 11 AM
McFarland House; Martinsburg WV


An Elegant Sunday Brunch to celebrate the holiday season and meet with friends and family still in town. Join the McFarland House for 4 courses full of seasonal fresh fruit, light and airy soufflés, gourmet cheeses, crispy apple bacon and house smoked salmon. Finish it off with a tall mimosa and mint julep sorbet. Each and every Sunday brunch will be unique and full of seasonal cuisine. Time: First Seating - Meet and Greet 11:00-11:30am, Brunch 11:30am; Second Seating - Meet and Greet 12:30-1:00pm, Brunch 1:00pm. Cost is all inclusive: $35 Victual Members; $40 Non-members.

Frosty 5K Run or Walk in Martinsburg
January 4, 2014; 9 AM
Martinsburg Mall, Martinsburg WV


Registration begins at 8:30 AM for this holiday run or walk in the Martinsburg Mall. Race will begin at 9 AM and refreshments will be provided after the event. Hardy runners will follow a course through the fields and neighborhoods behind the Mall, with the run timed and results posted after. The Frosty 5K team will have course directors on the Run route, but ask that all runners and walkers use caution and be alert. One aid station will be available for the run. For the walk, walkers will enjoy the warmth of the Martinsburg Mall and the indoor walk will be untimed.

All proceeds from the event benefit the CASA of the Eastern Panhandle, serving Berkeley, Morgan and Jefferson Counties.
 

Think the surrounding areas of Charles Town, Ranson, Shepherdstown, Harpers Ferry, Martinsburg, Inwood, Falling Waters, and Hedgesville are right for you? Interested in buying Eastern Panhandle real estate? Contact the Kable Team today! We're here to help you along your real estate journey and help you in finding homes on the Eastern Panhandle.

The Kable Team
Kable Team Realty
Check Out Our Website
See Homes for Sale in Eastern Panhandle
Learn About The Kable Team
Find us on Facebook
Follow us on Twitter
Connect With us on LinkedIn

Posted by: Tracy Kable AT 03:10 pm   |  Permalink   |  Email
Tuesday, 17 December 2013

The holidays are here on the Eastern Panhandle and new homeowners in the area may find themselves with unexpected expenses associated with having purchased West Virginia real estate this year. So what to get the new homeowners for the holidays? The following are just a few gift ideas that would be great for those that have recently bought homes on the Eastern Panhandle.

Gift Cards to the Hardware Store
Many homeowners will find themselves at the hardware store this season as they prepare to update their new homes in Charles Town, Ranson, Shepherdstown, Harpers Ferry, Martinsburg, Inwood, Falling Waters, or Hedgesville. Assembling furniture, repairing fixtures and other spots in the home requires tools which many recent homebuyers may not have in their arsenal. And while you may not know exactly what tools the new homeowners do have on hand, you can help them expand their collection with a hardware store gift card. It can get pricey running to the store every time a repair pops up in the home and you can help them alleviate some of that expense. 

Make It Personal
You don't have to be incredibly in tune to the home styles of the new homeowners, but you can help them make their houses in Jefferson County and Berkeley County into homes. Think of what helps you stay on top of things as a homeowner— where do you keep your mail, your appliances, your trinkets? According to MSN Real Estate, "in any living space, it's easy to lose track of your mail, keys and little trinkets." Gift the new Jefferson County and Berkeley County homeowners a charging dock or station, letter holder, or catch-all that can hold your keys, mail, and any notes you may need for the days to come. It's a great way to stay on top of things in the new year!

Appliances
Everyone enjoyed receiving toys for the holidays as a child and appliances are the grown-up version of those! There's a gift for every budget and price range in this category and "energy-efficient additions to a home will be useful in the short term — by taking expenses off the homeowner's plate — and long term, when it comes to paying utility bills," said MSN Real Estate. Gift a programmable thermostat or electric blanket to help them keep warm this winter and save money throughout the year.

Weather Friendly Tools
What's one thing you might now be prepared for as a homeowner? The weather! It may seem silly, but a handy gift to give the new Eastern Panhandle homebuyers is a shovel, rake, or other yard tools. If they haven't had to maintain their yard and driveways before, they might be in need of one of these items and you can gift the best item yet! They will certainly appreciate these when the time comes to use them and they realize they already have one— no trip to the hardware store is necessary!

Are you thinking of purchasing a new home this holiday season and starting your home search for Eastern Panhandle real estate this winter? Let the Kable Team provide you with all the details you need to make it happen!

The Kable Team
Kable Team Realty
Check Out Our Website
See Homes for Sale in Eastern Panhandle
Learn About The Kable Team
Find us on Facebook
Follow us on Twitter
Connect With us on LinkedIn

Posted by: Tracy Kable AT 04:38 pm   |  Permalink   |  Email
Tuesday, 10 December 2013

Eastern Panhandle real estate made great strides in 2013 and according to many experts and economists, the housing industry is expected to continue improving in the coming year. Low inventories and low interest rates were what forced home prices to rise this year and even sparked many bidding wars and while home prices are set to continue rising this year, mortgage rates will do so as well. 

In looking back on West Virginia real estate this past year, real estate experts and economists are able to make a few predictions on where housing is headed in 2014.

Inventory Will Stabilize and Return to Normal
Low inventories have come to characterize many parts of the market, especially during the holiday season. This has caused problems for some homebuyers looking for a variety of choices in their search for Eastern Panhandle homes for sale. As MSN Real Estate dubbed it, 2013 was the "year of low inventory," especially as buyer demand was on the rise. But now that homes are selling faster than they have in some time, this coming year should show homebuyers a rise in inventory levels, so much so that they return to normal levels.

Homebuyers and Positive Equity
The rising home prices this year "helped 2.5 million homeowners who were previously underwater regain positive equity status during the second quarter of 2013," reported MSN Real Estate. "However, approximately 7.1 million homes were still in negative equity at that time and an estimated 10 million homeowners, or about 21.1 percent of all homeowners with a mortgage, remained “under-equitied,” with less than 20 percent in home equity." The good news is that while these prices will continue to rise, it will eventually lift more homebuyers out of their underwater statuses and into positive territory.

Mortgage Rates Will Rise
Many homebuyers were thwarted by rising mortgage rates in Charles Town, Ranson, Shepherdstown, Harpers Ferry, Martinsburg, Inwood, Falling Waters, and Hedgesville. In fact, rates across the board increased around 100 basis points this year, only expected to increase more in the coming year. Much of that has to do with the Fed and its consideration of slowly eliminating its bond-buying activities while the economy improves. As long as the Fed plans to do this, mortgage rates will be expected to rise slightly.

Homebuyers looking to move or purchase a new home in 2014 should take note of these changes and how they might affect their purchasing behaviors in the future. Fortunately, many of them will only benefit those ready to buy a home in Jefferson or Berkeley County and will actually make their journey to becoming a homeowner or current homeowner experience a much smoother one.

Think you're ready? Have more questions? Contact the Kable Team today! We're here to help you along your real estate journey and help you in finding homes on the Eastern Panhandle.

The Kable Team
Kable Team Realty
Check Out Our Website
See Homes for Sale in Eastern Panhandle
Learn About The Kable Team
Find us on Facebook
Follow us on Twitter
Connect With us on LinkedIn

Posted by: Tracy Kable AT 03:17 pm   |  Permalink   |  Email
Tuesday, 03 December 2013

During the holiday season, many shoppers are on the hunt for a great deal— and now that includes Eastern Panhandle real estate. For homebuyers, the holiday season is the perfect time to snag a year-end deal and beat the real estate market rush that happens during the spring, but limited inventory could very well get in the way.

After the Busy Season
The busy real estate buying season in Charles Town, Ranson, Shepherdstown, Harpers Ferry, Martinsburg, Inwood, Falling Waters, or Hedgesville has ended and for those Eastern Panhandle homebuyers who chose to wait it out, now is the time to begin house hunting. In fact, according to a recent Realtor.com survey, many buyer said they plan to pick up their home search again this winter. In the hopes of avoiding competition that comes in the spring an summer seasons, homebuyers are planning to bypass all-cash buyers and bidding wars by buying in the winter.

The Catch
But there could be one downside to buying homes in Jefferson County and Berkeley County during the holiday season. Winter tends to bring about limited inventories of homes for sale on the Eastern Panhandle and buyers will likely face fewer choices when entering the market. As it seems, 45 percent of those surveyed in the Realtor.com Winter Home Buyer Report said they expect to be up against inventory challenges when buying real estate during the winter months.

For Those Who Need to Sell
The holiday season is also a great time to sell your home for the precise reason that homebuyers in the market are there to buy. In the spring and summer, there are more homebuyers "just looking" at homes and in the winter, homebuyers are seriously considering purchasing real estate as the inventory is limited and there is less competition. So why sell now? It could pay off to sell your home now as you'll have less competition as a home seller, up against fewer homes, and you'll likely see your home on the market for a shorter amount of time.

Buying and selling Jefferson County and Berkeley County homes can be beneficial for both sides of the deal this time of year— as the end-of-year deals are likely to appeal to both parties. "Buyers shopping for a home in winter may find sellers more amenable to striking a good deal," said Realtor Magazine. "Particularly during the holidays, sellers can be highly motivated to sell before the end of the year [and] buyers may be able to take advantage of that sellers’ urgency."

Are you thinking of selling your home this holiday season or starting your home search for Eastern Panhandle real estate this winter? Let the Kable Team provide you with all the details you need to make it happen!

The Kable Team
Kable Team Realty
Check Out Our Website
See Homes for Sale in Eastern Panhandle
Learn About The Kable Team
Find us on Facebook
Follow us on Twitter
Connect With us on LinkedIn

Posted by: Tracy Kable AT 04:25 pm   |  Permalink   |  Email
Email
Twitter
Facebook
Digg
LinkedIn
Delicious
Google+
StumbleUpon
Add to favorites
  

 

KABLE Team Realty

Tracy Kable, Broker
873 E Washington St, Suite 200
Charles Town, WV 25414-1520
Phone: (304) 725-1918
Email: TheKableTeam@TheKableTeam.com

Facebook Twitter Plaxo

Real Estate Logo Design, Real Estate Website Design &
Real Estate Marketing Services Provided by:

Terms Of Use - Privacy Policy - Contact Policy 

Site Map

Copyright© All Rights Reserved.

Site Powered By
    prostepmarketing.com
    Online web site design