ADAM GARRETT

Providing free & low-cost resources for kids & parents & resources for schools including a focus on school/school district selection via reviews.

Above: 1 of Adam's Rental properties & some credit/debit/status cards Below I've compiled some of my previous work, recent research, and...

Here I share about budgets in general in addition to the positive impact that homeownership can make to help many save more and invest more. Sometimes renting is a better fit, but it's important to look at the facts to be sure before renting, even if homeownership seems impossible. No matter how much or how little your income is, your financial growth, even your giving potential, will be forever limited if you don't first limit yourself with a budget. The ability to invest is

The market in Hampton Roads is in a relatively good place. Home values are growing, but not growing at too rapid of a rate that would stimulate future crash concerns. Home values are also still quite affordable & below the Virginia median price and the national median price. Inventory is relatively low. In this article, I'll be sharing via graph form more on the current state of the market, and focusing as well on historic and recurring trends. The below is best viewed on a d

Above: Adam & his wife Jessica On this site, I go into risk analysis & cost benefit analysis more than most in the real estate business, whether it's environmental risk, house issues by year, pros and cons of areas, or comparing offers. I also like to be candid. In this article, I'll be touching on topics that you won't hear about from most real estate agents/brokers, but that I think are important, especially since there are often misconceptions on this topic. I do not recom

No or Low Credit Loans: NACA: Credit Score Not Considered, Below Market Rates in Some Cases, No Down Payment, No Closing Costs, But w...

Many seek to save and increase their income before buying a home, and many fail to realize that the most lucrative programs to reduce home cost are primarily geared toward those of low income and low assets. Because these limits fluctuate typically on an annual basis, below I've created a guide to help you in the process as a frame of reference since often public websites where these programs may be found aren't updated on an annual basis and don't have links to where to find

Below is a list of resources from various locations for those who are homeless or who are facing the threat of homelessness: How to Avoid Becoming Homeless Non-Traditional Housing Homeless Shelters & Transitional Homes in SE VA Live Aboarding on a Boat (i.e. free sailboats anchored & where to find them) Living in a Van, RV, or Otherwise on Wheels Low or No Cost Camping Couch Surfing While Homeless While your first bet should be to reach out to friends and family, there are mu

My friends Dr. Jim & Mary Rudisill in their live-aboard home at the time In this article, I'll be getting into methods of living on...

All images courtesy Freecycle Whether you're a 1st-time buyer looking to save money, moving here from another country and trying to cut...

While there are some exceptions, your credit score has a very high impact on most mortgages & your options as a tenant. Prior to taking...

Image courtesy World Population Review What is the Homestead Exemption? Per World Population Review: "A homestead exemption is a legal...

Above: Image by Adam (not nearly how much money it looks to be, FYI) #s below are from 2024 Real Estate Tax Relief/Deferral Virginia...

Image by Adam at Langley AFB Resources for Kids Blue Star Kids Military Child Education Coalition Sesame Street for Military Families Our Military Kids "Receive free grants for kids of deployed soldiers! Grants can be used for Sports, Fine Arts, Camps, Tutoring Programs, etc." (per Frugal Girls) Tutor.com ~ FREE Tutoring Services for Military Families! "U.S. military and their families receive FREE homework and tutoring help!" (per Frugal Girls) Career Resources/Spousal Supp

One of the best options available for those seeking a low price on a rental (as low as free, as in examples above) is...

City-Data for Median Monthly Housing Cost, Median Value, & Many More Options This map on City Data has a state view, county view, zip...

Image courtesy Penfed Credit Union In this article, I'll be linking a number of resources & information I have regarding credit &/or finances available for those looking to purchase, rent, sell, or be a landlord. Finances Generally Budgeting Budgeting Meeting with Adam Saving on Taxes for Real Estate Tax Relief & Deferral Banking Cash Saving Tips Homestead Exemptions on Real Estate in VA vs Other States Factors Impacting Supply & Demand on Real Estate That Influence Prices SE

Over 100 articles for home purchasers in East & Central VA going step-by-step through the house-buying process. (Hampton Roads, Greater Richmond, Middle Peninsula, Northern Neck)

Unmatched combo of digital & physical tools, top .1% video visuals, top 1% buyer feedback, unmatched localized buyer guide, top 3% financial prep, & more.

In this link to a Google Sheet, I've created a master spreadsheet for home purchase considerations for buyers. Since it's a Google...