Sandra Francisco, CRS, Realtor, BHHS PenFed Realty

09/29/2026

That new roof, kitchen remodel, HVAC system, or room addition may be worth remembering for more than the enjoyment it provides today. Qualifying capital improvements can increase your home's tax basis, which could potentially reduce taxable gain when you eventually sell. But years from now, will you remember exactly what you did and what it cost? Keep invoices, receipts, permits, contracts, warranties, and photos in a permanent home improvement file. If you'd like help understanding which home records are worth keeping for a future sale, give me a call.

Learn more at https://BetterHomeowners.com/SandraFrancisco/2026/09/29/Keeping-Home-Improvement-Records-Now-Pays-Off-Later

09/28/2026

One of the biggest myths about buying a home is that you need perfect credit. While a higher credit score can help you qualify for better loan terms, many loan programs are available to buyers with less-than-perfect credit. FHA, VA, USDA, and even some conventional loans have different credit score requirements, and lenders may have flexibility depending on your overall financial picture. Don't assume you're not qualified without checking first. A conversation with a trusted mortgage officer can help you understand your options, identify ways to improve your eligibility if needed, and determine the best loan program for your situation. If you'd like a recommendation to a knowledgeable mortgage professional, I'd be happy to connect you.

Learn more at https://BetterHomeowners.com/SandraFrancisco/2026/09/28/What-credit-score-do-we-need-to-qualify-for-a-mortgage

RVA's Referred Forever Home Experts
(804) 405-4007 [email protected]

09/25/2026

FOR SALE! 7701 Granger Rd in the Tuckahoe Elem area! Whether downsizing or a 1st Time Homebuyer, this one fits the bill. Clean, freshly painted inside and out, refinished hardwood floors, 2 bedrooms, 1.5 bath, a family room addition and a patio perfect for having over the gang and watching the game, the perfect Fall activity and you can host at your very own home! Start planning now, we can close quickly! Just off Patterson Ave, $375,000.
Sandra Francisco, 804/405-4007
BHHS PenFed Realty, 804/320-1391

09/25/2026

One of the regrets sellers make is spending too much on upgrades they may never recover. Before listing, focus on repairs that improve a buyer's first impression: fix obvious maintenance issues, freshen up paint, improve curb appeal, deep clean, and declutter. Expensive remodels often don't return their full cost, especially if the finishes don't match what buyers want. The goal isn't to create a brand-new home; it's to present a well-maintained one that appeals to the widest range of buyers. Before investing thousands of dollars, let's walk through your home together. I can help you identify which improvements are worth making and which ones you can confidently skip.

Learn more at https://BetterHomeowners.com/SandraFrancisco/2026/09/25/What-Should-I-Fix-Before-Listing-My-Home

RVA's Referred Forever Home Experts
(804) 405-4007 [email protected]

09/25/2026

Smaller spaces. New ZIP codes. Shared equity. The ways first-time homebuyers are entering the market are changing. Are you adapting? Discover today’s strategies in this blog post via the link in the comments.

Got questions? Feel free to reach out.

Berkshire Hathaway HomeServices PenFed Realty | (804) 915-4000 | DRE: 225025373

09/25/2026

It's the weekend, time to home search! And we have that home, check out 7551 Ingelnook Ct in Southampton Hills in Stratford Hills! Close to Chippenham Parkway, Stony Point Village in Bon Air and Stony Point Fashion Park! And let's not forget the James River and Pony Pasture! All one level, 2 Bedrooms, 2 Full Baths, Galley Kitchen, Great Room and a Garage! Large fenced backyard with a deck and stone paver patio! Enjoy your weekends, leave the yardwork to the crew! Open Saturday, 9/26, 2-4. Stop by to the your next home! Affordably Priced at $294,000.
Sandra Francisco, 804-405-4007
BHHS PenFed Realty, 804-320-1391

09/24/2026

One of the biggest mistakes sellers make is assuming every improvement requires a full‑scale remodel.Simple smart home features like programmable thermostats, video doorbells, smart locks, security cameras, and energy-efficient lighting can modernize your home and improve everyday living. Many buyers appreciate these features because they add convenience, security, and potential energy savings without a huge investment. If you're considering upgrades before selling, or simply want to increase your home's functionality, focus on improvements that offer broad appeal rather than expensive gadgets with limited value. Wondering which upgrades make the most sense for your home and your market? I'd be happy to help you prioritize projects that provide the greatest benefit today and the best return when it's time to sell.

Learn more at https://BetterHomeowners.com/SandraFrancisco/2026/09/24/What-Smart-Home-Upgrades-Are-Worth-It

RVA's Referred Forever Home Experts
(804) 405-4007 [email protected]

09/23/2026

Most people think the biggest tax benefits of homeownership are deducting mortgage interest and property taxes, but with nearly 90% of taxpayers now taking the standard deduction, some of the most powerful advantages may actually come later through capital gains exclusions when selling and stepped-up basis rules when property is inherited. Homeownership can be about much more than monthly payments; it can also play an important role in long-term wealth building and family planning.

RVA's Referred Forever Home Experts
(804) 405-4007 [email protected]

While many homeowners focus on mortgage interest deductions, two of the most valuable and overlooked tax benefits may actually be the capital gains exclusion and stepped-up basis for inherited property.

09/22/2026

One of the biggest mistakes I see sellers make is assuming buyers will overlook little things. In reality, small details often shape a buyer's first impression and influence how they perceive the home's overall value. The good news is that many of the most effective improvements are simple and affordable. If you're thinking about selling, I'd be happy to recommend which updates are worth doing and which ones you can skip, so you can make the best first impression possible. Reach out anytime for a no-obligation consultation.

Learn more at https://BetterHomeowners.com/SandraFrancisco/2026/09/22/Small-Improvements-Can-Create-Big-Perception-Shifts-with-Buyers

09/22/2026

A new season, a fresh start. If a move is on your mind, let’s talk.

Berkshire Hathaway HomeServices PenFed Realty | (804) 915-4000 | DRE: 225025373