Northern Virginia First Time Home Buyers

Northern Virginia First Time Home Buyers

Preparation. Education. Guidance. Many realtors just want to sell to first time home buyers. The Traci Oliver Team works WITH first time home buyers to prepare, educate and guide them through the process to find their perfect first home.

The buyers market we are currently in is a great time for many to buy, but may NOT be the right time for every buyer to buy ~ we will work with you in the long run to be prepared and have success when it makes sense for YOU to buy. We hope to make this yet another resource for first time buyers to prepare, educate and receive guidance BEFORE they buy their first home. Let us know what you think! Traci Oiver, Realtor

Operating as usual

01/05/2021

We love helping new construction buyers manage the home buying process and being their advocate with the builder and construction team. So excited to kick off 2021 at a construction site!! We'd be happy to help you get started too! 703-505-7614 or [email protected]

New Year. New Home. New Construction for our first buyer of the year! Hard Hat Tuesday 🚧🪜🔨#buyersagent #newconstruction #luxurycondos #northernvirginiarealestate #northernvirginiarealtor #hardhattuesday

04/23/2020

The Traci Oliver Team - Northern Virginia Realtors

03/13/2020

Being prepared for your most important purchase starts with understanding the lingo (and closely followed by getting your loan pre-approval!). The Traci Oliver Team are First Time Buyer experts and have the resources, experience and patience to guide you step-by-step...after all this is your largest purchase! Lets talk 703-505-7614 or [email protected] #firsttimehomebuyer #northernvirginiarealestate #homesforsale #buyersagent #firsttimebuyersagent #fairfaxrealestate #loudounrealestate #firsthome

01/24/2020

Most "would-be" first time buyers don't know where to start and are overwhelmed by the pre-approval process. While not the "fun" part of the home search, it is an important first step and really not that difficult (or scary). We can put you in touch with lenders that will guide you step-by-step and answer all of your questions. Here's a checklist visual to break down the basics. Let's talk and get you moving in the right direction! 703-505-7614 or [email protected] #firsttimebuyer #buyersagent #northernvirginiarealtor #northernvirginiarealestate #homesforsale

01/07/2020

3 Tips for Making Your Dream Home a Reality

2020 is a great time to be a home owner! Low Interest Rates can make your mortgage payment less than your increasing rent payments! Lets connect and discuss loan options with lower down payment requirements 703-505-7614 or [email protected]

kiplinger.com 12/20/2019

Small Remodeling Budgets, Big Upgrades

Simple home improvement projects that don't break the bank but add big impact! Want some direction on what projects will add value to your home? Reach out and let's talk 703-505-7614 or [email protected]

kiplinger.com We've rounded up nine home-improvement projects that will give you the most bang for your buck for about $1,000 or less.

12/19/2019

Kristina O'Neill at First Heritage Mortgage

Federal Housing Administration (FHA) home loans were designed to assist homebuyers with less than stellar credit or those who don't have large down payments. Since they are backed by a government agency, lenders are able to offer more flexible qualifying criteria. Here's what you need to know. https://buff.ly/2VCFmfa

hgtv.com 11/25/2019

30 Cool Fire Pit Ideas

Fall evenings are perfect for gathering around a fire pit...and what would be better after your Thanksgiving Meal! Now is the time to start planning your outdoor renovations for 2020. Check out these inspirations. #buyersagent #listingagent #homesforsale #fairfaxrealtor #fairfaxrealestate #loudounrealtor #loudounrealestate

hgtv.com Add some excitement to a deck or backyard with one of these smokin' fire pits or hot torches.

home.howstuffworks.com 11/21/2019

How to Make Your Home Energy Efficient

Baby It's Cold Outside...great tips to making sure you stay cozy and save on heating costs! The Traci Oliver Team is always a great resource on maintaining your home for comfort now and resale later! [email protected] or 703-505-7614

home.howstuffworks.com Once you've sealed and insulated the weak areas, routine cleaning and water conservation can further increase energy efficiency and save you even more money on your energy bills.

11/13/2019

The Traci Oliver Team - Northern Virginia Realtors

Housing affordability is based on home prices, mortgage rates, and wages. Check out this quick read on how housing affordability remains strong despite our current local seller's market environment. Lets talk about your timeline 703-505-7614 or [email protected]
#homesforsale #buyersagent #listingagent #northernvirginiarealestate #firsttimebuyers #fairfaxrealestate #fairfaxrealtor #loudounrealestate #loudounrealtor

simplifyingthemarket.com 10/08/2019

What FICO® Score Do You Need to Qualify for a Mortgage?

simplifyingthemarket.com It’s common knowledge that your FICO® score plays an important role in the homebuying process. However, many buyers have misconceptions regarding what exactly is required to get the loans they need. While a recent announcement from CNBC shares that the average national FICO® score has reached an

simplifyingthemarket.com 10/07/2019

What to Expect from Your Home Inspection

simplifyingthemarket.com You made an offer and it was accepted. Your next task is to have the home inspected prior to closing. Agents often recommend you make your offer contingent upon a clean home inspection. This contingency allows you to renegotiate the price you offered for the home, ask the sellers to cover repairs

09/30/2019

The Traci Oliver Team - Northern Virginia Realtors

The “cost of waiting to buy” is defined as the additional funds necessary to buy a home if prices and interest rates were to increase over a period of time. Freddie Mac forecasts interest rates will rise to 3.8% by Q4 2020. CoreLogic predicts home prices will appreciate by 5.4% over the next 12 months.
If you’re ready and willing to buy your dream home, let us walk you through the next steps to help you determine if now is the best time for you! [email protected] 703-505-7614
#homesforsale #buyeragent #fairfaxrealtor #fairfaxrealestate #loudounrealtor #loudounrealestate #firsttimehoebuyer #northernvirginiarealestate

08/28/2019

Way more impactful than home prices, interest rates make a difference in home affordability! Lets get you started on your home purchase! 703-505-7614 or [email protected]

Did you know Interest Rates did a big drop recently? Even a small increase (or decrease) in interest rates can impact your monthly housing cost. If buying a home is on your short list of goals to achieve, let’s get together to determine your best move. 703-505-7614 or [email protected]

08/23/2019

The Traci Oliver Team - Northern Virginia Realtors

Small daily changes can put home ownership in your cup! What is keeping you from meeting your goals? We work with some of the best lender partners in the business and have helped many first time buyers make the leap from paying someone else's mortgage to enjoying the financial and personal benefits of home ownership! Let us buy you a cup of coffee and start that conversation! [email protected] or 703-505-7614

05/03/2019

The Traci Oliver Team - Northern Virginia Realtors

Historically, the choice between renting or buying a home has been a tough decision for many first time buyers.
Looking at the percentage of income needed to rent a median-priced home today (27.7%) vs. the percentage needed to buy a median-priced home (17.5%), the choice becomes obvious. [email protected] or 703-505-7614

simplifyingthemarket.com 03/19/2019

What Credit Score Do You Need To Buy A House?

The best way to know how much home you can afford and what steps you need to make to have your credit "purchase ready" is to meet with a qualified mortgage lender. At The Traci Oliver Team - Northern Virginia Realtors we partner with the best first-time buyer lenders and would love to help you get started. Call, text or email at [email protected] or 703-505-7614

simplifyingthemarket.com There are many misconceptions about the credit score needed to buy a house. Recently, it was reported that 24% of renters believe they need a 780-800 credit score to be considered for a mortgage. The reality is they are misinformed! Only 25% of the Americans have a FICO® Score between 740 and 800

03/15/2019

Renting vs Buying

Helpingfirest-time buyers for over 18 years! [email protected]

simplifyingthemarket.com 03/14/2019

7 Things To Avoid After Applying for a Mortgage!

The Traci Oliver Team - Northern Virginia Realtors we want our buyers to be prepared, but before you make any changes to your financing be sure to start working with a lender first. Only a qualified mortgage lender can guide you with what will HELP your credit position and what will HURT (yes, sometimes paying down or closing an account will LOWER your credit score!). Let us put you in touch with a first-time buyer specialist 703-505-7614 or [email protected]

simplifyingthemarket.com Congratulations! You’ve found a home to buy and have applied for a mortgage! You are undoubtedly excited about the opportunity to decorate your new home! But before you make any big purchases, move any money around, or make any big-time life changes, consult your loan officer. They will be able to...

02/25/2019

The Traci Oliver Team - Northern Virginia Realtors

A savings strategy, commitment to keeping your credit in good standing and smart spending are key to financial success and the first steps to home ownership. The Traci Oliver Team is here to help you connect with a good lender to get on the right track - let us know how we can help you! [email protected] or 703-505-7614

simplifyingthemarket.com 02/05/2019

One More Time… You Do Not Need 20% Down to Buy a Home

Join us for our FREE "Buyer Boot Camps" with two dates to choose from:
Sun., February 24th or Sat., March 2nd 12-1:30. Be prepared for your most important purchase with information, tips and timelines - whether you are ready to buy now or in the near future. Register [email protected].. Lunch & Door Prizes!

simplifyingthemarket.com The largest obstacle renters face when planning to buy a home is saving for a down payment. This challenge is amplified by rising rents, which has eaten into the amount of money renters have leftover for savings each month after paying expenses. In combination with higher rents, survey after

11/12/2018

100% Financing ~ no down payment is a key feature of most VA Loans...this is so important for qualifying first time home buyers to know! Let us answer your questions The Traci Oliver Team - Northern Virginia Realtors 703-505-7614 or [email protected]

Thank you to the men and women of the Armed Services for your service and sacrifices. One of the great VA benefits to our military families is the VA Loan ~ allowing our Veterans an easier path to home ownership. At The Traci Oliver Team, we have enjoyed helping so many of our military clients take advantage of this great benefit and work with some of the best lenders in the industry that specialize in VA Loans. Check out some interesting facts about the VA Loan on this day we celebrate Veterans and honor their service to our Country!

09/27/2018

Northern Virginia First Time Home Buyers's cover photo

09/27/2018

The Traci Oliver Team - Northern Virginia Realtors

Check out this article and graphic showing the pros and cons of waiting to have a larger down payment of 20% vs buying sooner with a low 3% down payment, but having the added cost of PMI. Every buyer's situation is unique and there are long-term costs to consider as well. Step 1 to buying is ALWAYS to be pre-approved by a lender and these are important questions to ask your lender. We work with some of the best loan officers in the area and are always happy to put you in touch. Call or email The Traci Oliver Team at 703-505-7614 or [email protected]

07/25/2018

The Traci Oliver Team - Northern Virginia Realtors

While drooling over gorgeous kitchen pictures online, going to open houses, looking at homes on a Saturday is the "fun" part of home buying...the absolute first step is mortgage pre-approval to know exactly how much you qualify for, what your expected costs to close are and to fully understand what your monthly mortgage payments will look like. We work with great lender partners that can guide you from the start and get you to the "fun" part quickly and prepared! Call or email Traci 703-505-7614 or [email protected]

06/14/2018

The chart below shows the median days on the market from April 2017 to April 2018...as a buyer it is important to be prepared and be working with a an agent that can guide and protect your interests in this ever changing, fast paced market. Call Traci 703-505-7614 or [email protected]

The chart below shows the median days on the market from April 2017 to April 2018...as a buyer it is important to be prepared and be working with a an agent that can guide and protect your interests in this ever changing, fast paced market. Call Traci 703-505-7614 or [email protected]

05/22/2018

The Traci Oliver Team - Northern Virginia Realtors

Are you focused on the right numbers? Buyers fret over a few $1000 dollars in sales price when more attention should be on interest rate and purchasing power. We work with our lender partners to make sure our buyers understand the real costs of purchasing and educate them along the way.

Purchasing power, simply put, is the amount of home you can afford to buy for the budget you have available to spend. As rates increase, the price of the house you can afford to buy will decrease if you plan to stay within a certain monthly housing budget.

The chart below shows the impact that rising interest rates would have if you planned to purchase a home within the national median price range while keeping your principal and interest payments between $1,850-$1,900 a month.

With each quarter of a percent increase in interest rate, the value of the home you can afford decreases by 2.5% (in this example, $10,000). Experts predict that mortgage rates will be closer to 5% by this time next year.

04/27/2018

The Traci Oliver Team - TTR Sotheby's International Realty stays on top of market trends and current home sales data to best educate and guide our buyers and sellers. We look forward to helping you navigate your home purchase with our experience! Call or email Traci 703-505-7614 or [email protected]

04/19/2018

Interesting general information ~ we ALWAYS recommend that the first step of buying is mortgage pre-approval with a local lender that will discuss your specific scenario and go over options with you! Call or Email today 703-505-7614 or [email protected]

Interesting general information ~ we ALWAYS recommend that the first step of buying is mortgage pre-approval with a local lender that will discuss your specific scenario and go over options with you!

“Before you buy a home, it’s important to find out if you can afford the monthly mortgage payment. To do this, some financial experts recommend your housing costs — primarily your mortgage payments — shouldn’t consume more than 30 percent of your monthly income.”

04/06/2018

The Traci Oliver Team - Northern Virginia Realtors

The Traci Oliver Team is proud to have worked with so many military and former military families.The VA Loan program is such a terrific benefit to those who have served. VA Loans are especially great for qualify first time Veteran buyers ~ check out the info below and let us put you in touch with one of our lender partners who specialize in VA Loans. We thank you for your service!

simplifyingthemarket.com 03/13/2018

You Can Save for a Down Payment Faster Than You Think!

Understanding how much you need to buy a home is the first step! We have many lender partners that specialize in helping first time buyer navigate all of their choices and understand their options! Lets get you started! [email protected] or 703-505-7614 The Traci Oliver Team - TTR Sotheby's International Realty

simplifyingthemarket.com Saving for a down payment is often the biggest hurdle for a first-time homebuyer. Depending on where you live, median income, median rents, and home prices all vary. So, we set out to find out how long it would take to save for a down payment in each state. Using data from the United States Censu

simplifyingthemarket.com 03/02/2018

It's Tax Season… Use Your Refund to Jump Start Your Down Payment Savings!

simplifyingthemarket.com According to data released by the Internal Revenue Service (IRS), Americans can expect an estimated average refund of $2,840 this year when filing their taxes. This is down slightly from the average refund of $2,895, last year. Tax refunds are often thought of as ‘extra money’ that can be used t...

02/28/2018

Northern Virginia First Time Home Buyers's cover photo

02/27/2018

The Traci Oliver Team - Northern Virginia Realtors

Always step one...know your costs and your comfort level so you can approach home buying prepared and confident! Need a great lender? We can recommend some great partners that work with first time buyers, self employed and everyone in between! [email protected]

02/21/2018

Kristina O'Neill at First Heritage Mortgage

Love sharing great information from one of our lender partners....check it out!

If you are a first-time homebuyer, you may have questions about where to start and what to expect. If you're not sure about what to ask, start with the basics. Here are common questions you might be embarrassed to ask.

Our Story

The Traci Oliver Team works WITH first time home buyers to prepare, educate and guide them through the process to find their perfect first home. The current market we are experiencing is a great time for many to buy, but may NOT be the right time for every buyer to buy ~ we will work with you in the long run to be prepared and have success when it makes sense for YOU to buy.

First step for any serious buyer is to find a qualified and experienced Real Estate who will work hard to make sure you are best represented during your most important purchase. We recommend interviewing a couple and we’d be happy to share our process and experience for you to compare!

The Traci Oliver Team has a proven track record for over 17 years as a top producing team that knows the market and knows how to help buyers meet their requirements in a home search. When we are on the listing side, we often see less experienced agents more interested in making a quick sale than protecting their client’s interests. That is NOT our approach and our longevity in the business, numerous online reviews and repeat business from past clients back that up.

Ready to explore you home buying options? Reach out today at 703-505-7614 or [email protected]

Videos (show all)

3 Tips for Making Your Dream Home a Reality
Renting vs Buying

Category

Telephone

Address


The Traci Oliver Team, Realtors, Long & Foster L Chrisite's International Real Estate, 13135 Lee Jackson Mem Hwy, 100
Fairfax, VA
22033
Other Real Estate Agents in Fairfax (show all)
Zoome Realty Zoome Realty
10306 Eaton Place #300
Fairfax, 22030

Thinking of buying a house or selling your house but want to work with an honest and reputable real estate agent? Zoome Realty is a top real estate company with experienced agents and 100+ 5 star reviews on Google and Zillow.

Esther Smalls Real Estate Esther Smalls Real Estate
12700 Fair Lakes Cir, Ste 120
Fairfax, 22033

A Real Estate professional for 11+ years working with home buyers, sellers and investors in Fairfax County, Loudoun County, and Prince Williams County.

Richey Homes Real Estate Group Richey Homes Real Estate Group
13135 Lee Jackson Highway, Suite 100
Fairfax, 22033

To us, being a REALTOR means more than selling homes. It's about you, your hopes, and your dreams. It's about a relationship based on trust, knowledge and expertise. You can be sure we will go the extra mile to give you the best possible experience.

Erin Mahler - Trusted Real Estate Agent - Jennifer Mack Properties Erin Mahler - Trusted Real Estate Agent - Jennifer Mack Properties
8315 Lee Hwy Suite 430
Fairfax, 22032

Whether buying or selling a home, allow me to assist you in your transaction to achieve stellar resu

CBNHomes CBNHomes
3730 Old Lee Hwy
Fairfax, 22032

We are a premier real estate investment group that work closely with some of the nation's best investors, some of whom starred on "Flip This House".

Great Homes by Alexander Great Homes by Alexander
13135 Lee Jackson Memorial Hwy, # 100
Fairfax, 22033

Welcome to my real estate page. It's a great source of Northern Virginia real estate information for sellers, buyers and investors. Like this page today!

Ohana Homes Ohana Homes
12700 Fairlakes Circle #120
Fairfax, 22033

Full Service Real Estate Team - Serving Northern Virginia - Buy, Sell, or Invest with Ohana Ohana [oh - ha - na] in general means family. It means so much more, it's the home where you invite your family and friends to be a part of your life’s journey

Nicole McNabb - Century21 Redwood Realty Nicole McNabb - Century21 Redwood Realty
10300 Eaton Place, Suite 150
Fairfax, 22030

Nicole McNabb is a Northern Virginia native with a residential Real Estate license in Virginia.

Edye Xenos, Realtor, Long & Foster Edye Xenos, Realtor, Long & Foster
13135 Lee Jackson Memorial Hwy
Fairfax, 22033

Specializing in Residential Real Estate in the Northern VA area

My Northern Virginia Real Estate Agent My Northern Virginia Real Estate Agent
3949 Pender Dr #320
Fairfax, 22030

Your Go-To Agent for buying and selling homes in Northern Virginia

Homes for All Real Estate Team - Keller Williams Capital Properties Homes for All Real Estate Team - Keller Williams Capital Properties
4031 University Drive, 5th Floor
Fairfax, 22030

Contact Jamie DeSimone, Realtor | Cat Wrangler, Keller Williams Capital Properties, to buy/sell residential properties in Northern Virginia! BrightMLS Website- https://www.brightmlshomes.com/jamie-desimone

Long & Foster Realtors-Fairfax Centre Office Long & Foster Realtors-Fairfax Centre Office
13135 Lee Jackson Memorial Hwy, Ste 100
Fairfax, 22033

Fairfax Centre...Making good things happen for other people!