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Cash-to-close on a home purchase is a term that can be misleading, but it simply refers to the total amount of money you need at closing, including: Your down payment Closing costs Prepaids Interest This “cash” is outlined by the good faith estimate you originally received from your lender along with the final closing disclosure you’ll […]

For 2026, house paint companies have reimagined greens and browns for their “Color of the Year” choices for a modern, saturated approach to nature-inspired décor. Behr’s Hidden Gem (N430-6A): Behr’s 2026 Color of the Year is a “smoky jade with an air of mystery and sophistication”. The hue a is rich blanket of sophisticated comfort. Valspar’s Warm Eucalyptus (8004-28F): […]

The art of living together without the stress Across the country, multigenerational living is on the rise as families combine resources, make space for aging parents, welcome adult children back home, or simply choose to live closer together. At Smith Mountain Lake, this shift feels especially natural. The setting encourages togetherness, and many homes can […]

Lakefront homes at Smith Mountain Lake are increasingly designed for year-round livingOnce known primarily for its summer charm, Smith Mountain Lake attractions have long drawn visitors with its boating, fishing, and scenic shoreline attractions. But today, the lake is embracing a new identity, one that extends far beyond the summer season. More than just a […]

Your lender should warn you that the amount you have in escrow for property taxes will go up when you receive your first assessment as the new owner within the following year. You’re paying the previous homeowner’s assessed rate, prorated to when you purchased the home to the end of the year. Chances are you […]

If your home has been sitting on the market with little interest and no offers, you might be tempted to blame the economy. But sometimes, the problem lies closer to home. Many sellers forget that buyers have access to the same market data they do. Buyers can easily compare similar homes nearby—and quickly reject those […]

Electronic closings, also known as eClosings, not only save money on paper and mailings, but they can also be signed by all parties, notarized, and sent/stored securely regardless of location. With a secure online portal, your mortgage closing is safer than ever. Most states accept eSignatures, eNotarizations, and eClosings under the Uniform Electronic Transactions Act […]

How much is your home worth? How much should you pay for your next home? These are questions about market value—a figure best determined by a licensed or certified appraiser. Appraisers are typically employed by: Homebuyers, to confirm for lenders that a property is worth the loan amount. Property tax or appraisal districts, to assess a […]

I want to wish you and your family a Happy New Year!  May 2026 be a year full of health, happiness and prosperity! 

Removing ice and snow from walkways and driveways is heavy labor and can be dangerous to your health. According to the Mayo Clinic, you should consult your physician to make sure your heart can handle such heavy exercise. Before you start shoveling, stretch your limbs to protect muscles and joints from injury. Drink plenty of water […]