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 inves

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 so often misconceptions on this topic. The ans

Many seek to save and increase their income before buying a home, and many fail to realize that the most lucrative programs to reduce...

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...

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...

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

In many cases, a home you own won't count against you for a variety of supplemental support. That said, there are some cases when...

Image courtesy Housingwire Did you know that it's possible as a seller being represented by a listing agent (or a seller representing themself) to provide no buyer's agent commission? While that's been possible for years, following the NAR settlement, now it's official & a lot more people know about it. However, doing so substantially lowers your buyer pool and the agents that will push your property to their buyers, so I allow it if a seller wants to, but it's not something

Image by American Real Estate Photography at a former listing of Adam's where the owners used a kit to build it. Related Credit &...

Did you know that monthly section 8 subsidies are available for home purchases in some localities? Eligibility/Requirements for...

A typical assumption in real estate is where a buyer assumes a seller's loan at the time of sale, often at a lower interest rate than the...

Above: Richmond - Image by Author Impact of Supply & Demand on Real Estate Moseley Real Estate School in their broker course states the...

Realtor.com has come out with market forecasts for 2024. The results are good for Hampton Roads, ranked #16 out of the 100 largest U.S....

Above: image from a former condo listing of Adam's - image by Adam In this article, I wanted to go over some of the differences between condos and other houses, especially in terms of finances, & within finances, especially in terms of lending differences. Differences Outside the Scope of Lending Differences - Lower Rate of Appreciation Generally speaking, appreciation (by %) go from highest to lowest in the following order: Single Family Detached Homes Townhouses that are no

In any case where you're getting a higher level of income than you had before, whether you're getting a raise affiliated with a promotion...

Garrett Mortgage Powered by Langley Federal Credit Union Mortgage Banker No Money Down Conventional Excellent option for high-income ...