Joanne L. Bilotta - Mortgage Loan Officer

Joanne L. Bilotta - Mortgage Loan Officer Contact information, map and directions, contact form, opening hours, services, ratings, photos, videos and announcements from Joanne L. Bilotta - Mortgage Loan Officer, Loan service, Dumfries, VA.

What is special about June 6th?D-Day Anniversary: Normandy invasion remembered for World War II impact. On June 6, 1944,...
06/06/2024

What is special about June 6th?

D-Day Anniversary: Normandy invasion remembered for World War II impact. On June 6, 1944, the Allied invasion of Normandy, France, became the largest amphibious military assault the world had ever seen.

Along with the associated airborne operations, it marked the beginning of the liberation of France and western Europe.

This is an interesting article. Most affordable housing is for people below 80% of the AMI ( average median income). The...
05/29/2024

This is an interesting article.

Most affordable housing is for people below 80% of the AMI ( average median income). The northern Virginia area is unfortunately using the countryโ€™s AMI which means a single person with not debt may be take to get a house for ~ $225,000โ€ฆ๐Ÿค” try finding that around here!

The solutions surround including a higher median income ( which Virginia Housing does) , extending mortgages to 38 years ( a lot of controversy around this) or building more affordable housing. ๐Ÿคท๐Ÿปโ€โ™€๏ธ๐Ÿค”

What are your thoughts?

Building affordable housing seems like a win for cities struggling in the Housing Trap. But between its top-down nature and the public subsidies it requires, affordable housing can actually make things worse.

On my walk tonight, this is what I saw.He is risen โœจ๐Ÿ™๐Ÿผ๐Ÿ’•
04/01/2024

On my walk tonight, this is what I saw.
He is risen โœจ๐Ÿ™๐Ÿผ๐Ÿ’•

Remember:Spring forward this weekend (For what ever purpose it serves anymore ! ๐Ÿ˜‰)
03/08/2024

Remember:
Spring forward this weekend
(For what ever purpose it serves anymore ! ๐Ÿ˜‰)

03/07/2024

Itโ€™s Joanne
Not Joanna, Jillian or Julia. ๐Ÿคฆ๐Ÿปโ€โ™€๏ธ

How do people mispronounce your name?

I voted.Itโ€™s primary day in Virginia!This is your day to speak your voice about who gets on the ballot in November.๐Ÿ‡บ๐Ÿ‡ธ๐Ÿ‡บ๐Ÿ‡ธ๐Ÿ‡บ...
03/05/2024

I voted.
Itโ€™s primary day in Virginia!
This is your day to speak your voice about who gets on the ballot in November.
๐Ÿ‡บ๐Ÿ‡ธ๐Ÿ‡บ๐Ÿ‡ธ๐Ÿ‡บ๐Ÿ‡ธ๐Ÿ‡บ๐Ÿ‡ธ๐Ÿ‡บ๐Ÿ‡ธ

Iโ€™m only keeping the bacon.Everything else can go!
03/05/2024

Iโ€™m only keeping the bacon.
Everything else can go!

This is an interesting article that brings up an interesting point about the solid structure of an older home versus a n...
03/04/2024

This is an interesting article that brings up an interesting point about the solid structure of an older home versus a newer home.

https://www.facebook.com/share/p/Xie2T6USktWPgvZ4/?mibextid=WC7FNe

Home Buyer: I want a house built after 1980.
Me: Actually, you don't.
Let me explain.
Newer isn't always better, and this picture sums it up pretty well. The quality of modern lumber is simply far inferior to the quality of lumber they were using to build homes in the early and mid-20th century. Wood quality began dropping on a serious scale in the 1980s due to old-growth timber being almost completely depleted. Most wood used today is grown very fast - not only can you visibly see the difference in quality, but the newer lumber is more prone to rotting due to a lack of heartwood. Slow growth wood yields much more heartwood, which is the longest lasting part of the tree, whereas sap wood (new growth wood) will rot very quickly. Modern lumber is also a lot more prone to termite damage as it is softer and easier to consume whereas old lumber is extremely resinous and naturally termite resistant. A good rule - as long as the plumbing and electric has been updated, a well-built home from the mid-20th century is a better investment and will likely outlast a newer build. For more info on old growth wood versus modern lumber please read this great article: https://bit.ly/3h7MbBr
๏ฟผ
*Clarification: Yes, these two pieces of lumber come from two different trees. The expert in the attached article is not comparing the lumber of the same tree over time. He is comparing the lumber that was commonly used to build houses 75 years ago versus the lumber commonly used to build houses today.

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Dumfries, VA

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