Victoria Watts, Realtor

06/02/2026

Maryland Department of Housing and Community Secretary Jake Day today announced that the Department has expanded the state’s landmark Maryland SmartBuy initiative, the Maryland Mortgage Program’s loan product for first-time homebuyers to purchase a home and pay off student debt. To help manage purchase costs, eligible homebuyers can now receive up to $25,000 in student loan payoff assistance – a 25% increase from the current $20,000 limit.

Maryland SmartBuy 3.0 enables qualified borrowers with student debt to purchase an eligible home in Maryland using conventional financing through the award-winning Maryland Mortgage Program. The Maryland SmartBuy program was created to make home purchasing more affordable for first-time homebuyers by eliminating eligible student loan payments.

When paired with downpayment assistance, the increase of student loan payoff assistance brings the average total aid to $40,000 for homebuyers earning below 50% of the Area Median Income, and slightly over $30,000 for all other Maryland Mortgage Program applicants. Eligible borrowers must meet all Maryland Mortgage Program underwriting requirements and must have a minimum remaining student loan balance of $1,000, with a maximum eligible payoff amount equal to 15% of the home purchase price or $25,000, whichever is lower.

The announcement of the program expansion marks the start of National Homeownership Month in June, which celebrates the impact of homeownership on families, neighborhoods and communities. Learn more about this expansion and MMP here: https://bit.ly/4okHL8t

06/02/2026

05/30/2026

✨ Some of the most meaningful conversations I have never start with a home… they start with a change.

A growing family. A new opportunity. A desire for more space. A second home. A relocation. A business venture. A chapter closing. A new one beginning.

Because after years of serving buyers, sellers, investors, and families throughout Central Virginia, I’ve learned that real estate is rarely about property.

It’s about possibility. It’s about creating a life that aligns with where you are today, and where you’re hoping to go next.

Because I’ve never believed my role was to simply help you buy or sell real estate. I believe my role is to walk alongside you as you make some of life’s most significant decisions.

Sometimes it means helping a homeowner leverage years of equity to make their next move.

Sometimes it means helping an investor evaluate opportunity.

Sometimes it means helping a family transition into a home that better supports the life they’re building.

Sometimes that means helping a first-time buyer understand their options.

The property may be the destination, but my strategy is what gets you there.

If you’re new here, welcome, I’m Victoria.

Over the years, I’ve learned that the most valuable thing I can offer isn’t access to a property, it’s my knowledge of the market, trends, and what you can expect…

Developing a thoughtful plan. Providing honest guidance. And being willing to walk alongside you while you make decisions that impact your future.

Whether you’re considering your next home, a vacation home, an investment property, your first home, or simply exploring what’s possible, my commitment is the same:

To help you make informed decisions with confidence.

✨ Let’s start with a conversation.

Schedule your real estate consultation: http://www.victoria-watts.com/connect

Victoria Hall-Watts, RENE
Producing REALTOR® | Real Broker, LLC
434.260.1732 | [email protected]

Lynchburg real estate, Lynchburg homes for sale, Lynchburg VA housing market, new construction in Lynchburg, new construction in Forest, Lynchburg investment properties, smith mountain lake homes

05/29/2026

Looking for material for driveways, parking areas, or other projects? The Town Landfill currently has millings available for sale at $15 per ton.

Please note:
• Millings are available while supplies last
• Customers must pick up material at the landfill

For additional information, please contact the landfill directly.
Phone: 540-587-6105

05/16/2026

🏡✨

I can feel a completely different life getting closer…

June is giving homeowner energy. Stability. Peace. A fresh start.

The kind of life where you finally feel grounded instead of constantly trying to survive emotionally.

Some seasons don’t just change your circumstances — they change your entire mindset. 🏡✨

05/15/2026

✨ Behind-the-scenes happenings preparing your home to sale…

05/15/2026

Want to train for a great career in construction at no cost? Our Virginia Career Works partners at Adult and Career Education of Central VA are offering a free NCCER Core "Introduction to Construction" course. Classes start June 16 and will be held at the Lighthouse Education Center in Lynchburg. To sign up, fill out an interest form at https://docs.google.com/forms/d/e/1FAIpQLSeAgNo3m1CQU42cUxClx023wRnBoFXhESKCIcev7EQ4TUd06w/viewform

05/15/2026

Join us today, 12 PM – 2 PM, for our Community Luncheon! 💚🥔
Thank you, The Laundry Center
for the food donation. Come enjoy a Baked Potato Bar with all the fixings while connecting with the community. 🌱✨
See you there! Our next community lunch will be August 21 as we take a summer break.