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 Eastern Panhandle WV Real Estate Blog 
Tuesday, 25 July 2017

The summer is a busy time for the real estate market— the weather is ideal for getting out and looking for homes in West Virginia's Eastern Panhandle, mortgage rates are still low, and with inventory lacking, you may be feeling the urge to make a move on your dream houseKable Team Realty is here to walk you through the process every step of the way this year and remember, while the idea of settling into the perfect house in Jefferson County or Berkeley County WV may thrill you, there are also a host of things you should avoid as you take those next steps.

Below are three things homebuyers in Martinsburg, Harpers Ferry, Inwood, Falling Waters, Hedgesville, Ranson, Shepherdstown and Charles Town should never do:

Don't: Shop for Homes without an Agent
It may seem like a simple task to shop for Eastern Panhandle homes on your own, but when it comes to closing the deal, you want a professional on your side. Someone who works with your best interests in mind—from finding the right home to putting together an offer that will win you the property to negotiating credits and repairs at the closing table—is invaluable for buyers, especially during this busy time in the real estate market.

Don't: Ignore Your Budget
It may be tempting to tour a West Virginia home that is beyond your price range, but it will only harm you in the end. The last thing you want is to get attached to a property in Martinsburg, Harpers Ferry, Inwood, Falling Waters, Hedgesville, Ranson, Shepherdstown or Charles Town and then learn that you cannot secure a loan for that amount. Sit down and write out your budget, including costs like maintenance, property taxes and insurance, and then set search parameters for properties that meet what you are able to reasonably pay each month. It is also helpful to use a mortgage calculator when figuring your potential monthly payment.

Don't: Take the First Mortgage Quote You Receive
Homebuyers leave so much money on the table by settling for the first mortgage quote they receive from a lender. It is important to shop around for mortgages before you decide on which suits you best. After all, not all mortgages are the same— you may find that a 5 year ARM (adjustable rate mortgage) is a better fit for you given your timeline and down payment situation.

Ready to purchase a home in West Virginia's Eastern Panhandle this year? Give Kable Team Realty a call today!

The Kable Team
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Posted by: Tracy Kable AT 11:03 am   |  Permalink   |  Email
Tuesday, 18 July 2017

When shopping for a mortgage, there are several options to choose from, including an ARM (adjustable rate mortgage), FHA or VA loan, and of course, the standard 30-year fixed-rate loan. It is a common practice to choose the 30-year fixed-rate mortgage, but there are a few instances in which you may find that this loan type is not for you. 

As your real estate experts in West Virginia's Eastern PanhandleKable Team Realty has included three signs that a 30-year fixed-rate mortgage may not be the right one for you:

You Plan to Move Soon
Perhaps one of the most practical reasons to not choose a 30-year mortgage is that you plan to move in the near future. Consider your timeline for staying put in this particular home in Jefferson or Berkeley County— Do you think you'll be somewhere else in the next five years? If so, it may be a better idea to choose an adjustable rate mortgage (ARM) that comes with a lower interest rate and when the term is up, you will be ready to move on!

You Plan to Retire Soon
Having little to no debt is ideal for those on the edge of retirement and taking out a new, 30-year mortgage on an Eastern Panhandle home may not be the best fit for your plans— or your budget. Consider a 3 or 5 year ARM instead as the term will allow you a lower rate, smaller payment than a 30-year mortgage, and the ability to sell when the term ends, so you can relocate or move back into a renting position.

You Don't Have 20 Percent to Put Down
For those that do not have a 20 percent downpayment saved for a home in West Virginia, buying a home may seem out of reach. But don't let that be the only reason you hold back! There are other options for homebuyers, including FHA, VA, and ARM loans. 30-year mortgages will often require you to put 20 percent down and if you don't have this cash reserve on hand, consider it one sign that route may not be for you.

We have helped numerous buyers in Jefferson and Berkeley County become homeowners and we are happy to help you do the same! Contact the Kable Team today for more information about buying a home in Martinsburg, Harpers Ferry, Inwood, Falling Waters, Hedgesville, Shepherdstown or Charles Town and local lender recommendations in the area!

We look forward to hearing from you!

The Kable Team
Kable Team Realty
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Posted by: Tracy Kable AT 10:47 am   |  Permalink   |  Email
Tuesday, 11 July 2017

It's hard to believe we are already mid-way through the summer, but there is still so much left to see and do in West Virginia's Eastern Panhandle. For instance, did you know that there is a farmers market in Martinsburg every Friday from 4:30 PM to 7:30 PM? It's a great time to enjoy the summer weather, listen to the Fridays at Five concert series, and support your local vendors by purchasing their meat, herbs, eggs, fruits, veggies, baked goods and more!

As your local real estate experts in Jefferson and Berkeley County, we've included a few events coming up this summer in Martinsburg!

Martinsburg Farmers Market
When: Through September 1st, 2017; 4:30 PM to 7:30 PM
Where: East King Street, Town Square

Fridays at Five Concert Series
When: Through August 18, 2017; 5 PM to 7 PM
Where: Town Square

Low Country Boil
When: July 27, 2017; 5 PM to 9 PM
Where: 108 West Stephen Street

Come enjoy live music and a traditional low country boil featuring shrimp, potatoes, corn, crawfish, smoked sausage and more! 

Disney Under the Stars
When: July 29, 2017; 8:30 PM to 11 PM
Where: Boydville Inn, downtown Martinsburg

Join in this showing of Disney's live action Beauty and the Beast at the Boydville Inn. 

Martinsburg Bike Night
When: August 19, 2017; 5 PM to 11 PM
Where: Downtown Martinsburg

A police-escorted ride, food, and dancing are just a few of the many features of this annual motorcycle night in Martinsburg!

Do not hesitate to contact the Kable Team with any questions you have about the local real estate market, buying a home or selling a home in Martinsburg, Harpers Ferry, Inwood, Falling Waters, Hedgesville, Shepherdstown or Charles Town.

The Kable Team
Kable Team Realty
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See Homes for Sale in Eastern Panhandle
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Posted by: Tracy Kable AT 05:15 pm   |  Permalink   |  Email
Wednesday, 05 July 2017

If you flew your American flag outside of your Eastern Panhandle home this Fourth of July, the in's and out's of flag etiquette may have crossed your mind. For instance, how should you position your flag if you display it with another state, city, or country flag? According to etiquette rules, you should not fly another flag above or to the right of the American flag. As your local real estate experts, Kable Team Realty has included a few more rules below that you may not be aware of, so you can show your patriotism all year long without worrying if your flag is in the right place!

When displaying with another flag
If displaying your flag with another in a cross-staff position, the American flag should be placed above the other and the flag should be on the right (or the viewer's left).

When displaying on a wall or window
If you are displaying your flag vertically or horizontally on a wall or in a window, the union should be in the uppermost position and to the flag's own right (or the viewer's left).

When displaying with a state or city flag
If you are flying your flag with another state or city flag, as we mentioned above, the American flag should be placed above the others, with no other flags to its right. If displaying with a flag from another country, the other nation's flag should be flown from a separate staff of the same height.

When displaying at night
If you are displaying your American flag at night in Jefferson or Berkeley County, it should be well lit. 

Do not hesitate to give the Kable Team a call today for more information about your home value, buying or selling a home in West Virginia's Eastern Panhandle! We can also provide a list of homes for sale in Martinsburg, Harpers Ferry, Ranson, Hedgesville, Shepherdstown, Inwood, or Falling Waters!

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
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Posted by: Tracy Kable AT 08:54 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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