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 Eastern Panhandle WV Real Estate Blog 
Tuesday, 30 June 2015

Saving for a down payment is a common step on the path toward becoming a homeowner in West Virginia's Eastern Panhandle. And while you may know how much you need to save, the question is where do you keep the money for your new home? There are a few smart options for making the most of your down payment fund this year, including high-yield checking accounts, online savings accounts and CD's or certificates of deposit.

High-yield checking account
Checking accounts can offer interest rates over two percent and you may choose to keep your down payment there for easy access. However, these can come with a long list of requirements from the number of transactions you must complete monthly, signing up for direct deposits and electronic statements. They can also put a cap on the balance you can hold at any given time. Depending on the account, the cap could be as much as $25,000, so Jefferson and Berkeley County homebuyers should research these before investing.

Online savings account
Your down payment for your new Eastern Panhandle home may be best kept in an online bank simply due to convenience. You can easily transfer funds between accounts, set up deposits and automatic transfers and track the account in online banking. Homebuyers would be wise to look into interest rates for online savings accounts before opening, but for convenience alone, this may be your best bet. There are no long lines and no chance that the bank will be closed when you need the funds for your new home!

CD or certificate of deposit
Most CD's are often FDIC-insured and offer terms from 3 to 6 months and longer. They can carry a penalty if you withdraw money before the term is up, so assess if you might need to either put your money into a shorter term CD or place it somewhere else entirely. The longer your term, the better the interest rate, but these are not always practical for homebuyers in the Eastern Panhandle.

As West Virginia residents prepare to buy a home this year, the down payment will be a major step. Start saving as early as possible to avoid any hiccups in the homebuying process and ensure you are financially ready to become a homeowner. Do not hesitate to contact us with questions about purchasing a home in Martinsburg, Ranson, Hedgesville, Shepherdstown, Harpers Ferry, Charles Town, Falling Waters or Inwood.

We look forward to hearing from you!

The Kable Team
Kable Team Realty
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Posted by: Tracy Kable AT 09:00 am   |  Permalink   |  Email
Tuesday, 23 June 2015

It's that time of year again! Time for fireworks, time for celebrating America and time for exploring the beautiful communities of Charles Town, Martinsburg, Ranson, Harpers Ferry, Shepherdstown, Hedgesville, Inwood and Falling Waters with family and friends. With so many things to do in Berkeley and Jefferson Counties, we've put together some ideas for enjoying the 4th of July weekend coming up!

Go for a bike ride
The WV Route 9 Bike Path runs from Martinsburg to the Charles Town/Ranson area and is the perfect place for a summer bike ride! There are stops along the way to point out important locations and the terrain varies— from hilly in the Northern portion of the path to flat in the Southern portion.

Go kayaking or canoeing
Nearby Shepherdstown Pedal and Paddle is a full-service shop renting canoes, kayaks and a variety of bikes. While it is located in downtown Shepherdstown, the store does provide a shuttle to the Potomac River for those ready to go kayaking or canoeing!

Go geocaching
The Eastern Panhandle is a popular area for geocaching— a sort of modern treasure hunt! There are currently three geocaching trails in Berkeley County where you can find interesting objects and earn a geocoin for successful trail completion! 

Watch the fireworks
The fireworks show in Martinsburg will begin around 9:30 PM, launched from Townsend Field. War Memorial Park will also be open from dawn to dusk to enjoy prior to the 4th of July celebration.

As always, Kable Team Realty is happy to help new residents and homeowners get to know the area! If you'd like more information about how to call West Virginia's Eastern Panhandle home, give us a call!

Have a safe and happy 4th of July!

The Kable Team
Kable Team Realty
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Photo: City of Martinsburg

Posted by: Tracy Kable AT 03:27 pm   |  Permalink   |  Email
Tuesday, 16 June 2015

Whether you're a homebuyer or a home seller in West Virginia's Eastern Panhandle this summer, one fact remains— it's a great time to move! As we've said before, not only is the weather ideal for packing boxes and changing homes in Jefferson or Berkeley County, but the conditions in the local real estate market make it a hard opportunity to pass up!

Summer is a common time for residents in Harper's Ferry, Martinsburg, Charles Town, Ranson, Falling Waters, Hedgesville, Shepherdstown to desire a change in scenery and moving to a new home is one way to satisfy that feeling. But while moving is indeed exciting, it can be an overwhelming experience that allows you to look over the little things like extra fees from your moving company! Before you start packing up your belongings for your next home in the Eastern Panhandle, be sure to watch out for the following charges that could accrue during the big move:

Disassembling and reassembling furniture
All of that furniture has to make it into your new home somehow and oftentimes, disassembling pieces is the only way to make it work. If you don't have time to take apart the couch or entertainment center, don't be too quick to leave that task to the movers. Yes, they can assist in dismantling furniture and reassembling in the new house, but not without a fee. Make sure you're aware of their additional charges in this area before you give them the go-ahead.

Packing and unpacking
Moving into a new home in Jefferson or Berkeley County will require many boxes and hours of packing up and putting away. Your moving company likely offers a packing service for those that don't have the proper packing or padding materials, but know that this comes with a fee. Unpacking services are also typically offered at an hourly rate, in addition to a fee for disposing of packing materials.

Special handling
For those Eastern Panhandle residents that own pool tables, hot tubs, large safes or pianos, your movers could tack on extra charges for their handling of these heavy items as well as special packaging they need.

Split pickup and delivery
Some homeowners require that certain items be picked up from several locations, with some transported to the new house and others to their storage unit or temporary lodging. If so, movers may require you to pay an added fee for split pickup and delivery services.

Moving to a new home in Martinsburg, Ranson, Falling Waters, Harpers Ferry, Charles Town, Hedgesville, Shepherdstown, Inwood is an exciting journey, so don't let unexpected fees catch you by surprise! Kable Team Realty can recommend professional movers in the area and help your home buying process run as smoothly as possible. We even have a Moving Checklist to ensure you don't leave anything behind!

Give us a call today with any questions you might have about available properties and making a move!

The Kable Team
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Posted by: Tracy Kable AT 09:43 pm   |  Permalink   |  Email
Tuesday, 09 June 2015

One reason motivated homebuyers are taking to the real estate market this summer is simply due to the rising costs of rent. According to a new survey from Fannie Mae, 66 percent of consumers reported they would prefer to buy a home versus renting when it comes to their next move. And not just for the purpose of gaining more space— potential buyers are recognizing that homeownership is one of the best possible long-term investments. 

Homeownership on the Eastern Panhandle indeed has many perks and those considering purchasing a home in Jefferson or Berkeley County can look forward to the following:

Owning a home is forced savings
With paying a mortgage every month, homeowners are forced to save as they are putting money away and into their home. If you sell your home later when it's paid off, chances are high that you will walk away with a profit. The "forced savings" of homeownership is one way to build an investment without allotting additional funds to other accounts— all by paying your monthly mortgage

Fixed mortgages will not fluctuate
Unlike your rent every year, a fixed-rate mortgage will not increase. It is wise to put down twenty percent and take out a 30-year mortgage to lock in these historically low interest rates and protect yourself from the costs of everything else on the rise. It is also precisely these low interest rates that are pushing buyers to make a move in West Virginia— rates (and in some areas, home prices) haven't been this low in quite some time!

You have the run of the space
When you own your home in Martinsburg, Harpers Ferry, Charles Town, Ranson, Hedgesville, Shepherdstown, Inwood, Falling Waters, you have complete control over the spaces. There is no landlord to tell you you cannot paint or upgrade or renovate. You have more freedom to make changes without worrying about losing your deposit and even have the power to boost the home's energy efficiency to lower your bills. 

There are more tax deductions
As a homeowner, you will have certain tax deductions that renters on the Eastern Panhandle will not. For instance, you can deduct mortgage interest payments and some expenses like energy-efficient improvements. 

There are many benefits of homeownership and the Kable Team can help you through the home buying process this year to take advantage of them. Give us a call today to get started on finding the home of your dreams in Jefferson or Berkeley County

The Kable Team
Kable Team Realty
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Posted by: Tracy Kable AT 08:01 pm   |  Permalink   |  Email
Tuesday, 02 June 2015

With mortgage rates low and inventory sitting lower than it has been in past years, Eastern Panhandle residents have a golden opportunity for home seller success. Listing your home now will offer motivated buyers a fresh new option in a limited real estate market and could push your property to the top of their must-see lists. 

However, it's not uncommon for Jefferson and Berkeley County homeowners to still be on the fence about moving this summer. The real estate market is indeed ever-changing, but conditions will likely not be this ripe for the home seller picking for quite some time. If you're still pondering a move, take a look at the following five signs that it's time to list your home in West Virignia's Eastern Panhandle:

You've outgrown your home
Lack of space is one of the most popular reasons to seek a new property in the Eastern Panhandle. If your children have outgrown their rooms, you have no space for overnight guests or your closets seem to be bursting at the seams, upgrading to a larger home with more room to grow your family (or your belongings!) may be necessary for you.

Your neighborhood is popular
Home sales and home values are growing at a healthy pace this year and you may find that your neighborhood is becoming a sought-after location. Have you noticed properties on the block selling quickly or buyers talking about where you live? The Kable Team is happy to show you comparable properties in your area that can give you an idea of what your home may sell for this summer. 

Home maintenance is overwhelming you
If maintaining your home and landscaping is no longer fun for you, it could be time to move. Realize now that the longer you let these repairs go, the more it will cost you when the time comes to sell. Making the decision to move to a home that requires less upkeep may be your best option, after you tackle those much-needed repairs, of course.

You've regained equity
Homeowners who've regained equity in Jefferson and Berkeley County are in a great place to move. If you're not sure, consider having your home reappraised to determine if selling is an option for you again.

It's time for a change
Perhaps you just feel the need to settle into a new property— many homeowners in West Virginia feel this way during the warmer months! If you've decided you're ready for a change in scenery, do not hesitate to give us a call.

There are many reasons to sell your home this summer, don't let your "waiting out the market" mentality hold you back! We're happy to fill you in on the current real estate market conditions and help you take those steps to home sale success.

The Kable Team
Kable Team Realty
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Posted by: Tracy Kable AT 12:08 pm   |  Permalink   |  Email
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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

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