Designations: SFR, GRI, REALTOR, Million Dollar Producer. Certified Distressed Property Expert (CDPE),  Licensed in Northern Virginia & District of Columbia

Awards: Satisfied customers are my "AWARDS"

Special Interests: Lives, eats, sleeps Real Estate. No time for anything else (per my wife).

FIRST TIME HOME BUYER SPECIALIST
Dave specializes in the whole Northern Virginia real estate market - listings, sales, rentals. He has a total specialized knowledge of the foreclosure market, which includes HUD, Veterans Affairs, Freddie Mac, Fannie Mae, Banks/Mortgage Companies, Government/Private Auctions and properties offerred at the court house steps. Dave: * Has maintained a HUD/VA computerized program since the early 90's tracking all existing sales and non-sales. * Has extensive knowledge of the market from Arlington to Fredericksburg to Warrenton, allowing him to provide full market analyses as properties become available for sale. * Previews properties as they become available, giving the buyer the edge on the market, over competitors. * Has extensive knowledge of the FHA 203K Rehab Loan Program and the Home Improvement Loan for conventional rehabing. * Does referrals to equally professional and knowledgeable HUD/VA agents in DC & MD. BOTTOM LINE - SHOULDN'T YOU USE DAVE'S KNOWLEDGE AND EXPERTISE TO PURCHASE YOUR HOME?

• $$$ ZERO DOWN ON VA FORECLOSURES
• $$$LOW CLOSING COSTS ON VA PROPERTIES
• $$$NO PRIVATE MORTGAGE INSURANCE (PMI)
• $$$VETERAN AFFAIRS LOANS ARE ASSUMABLE
• YOU DON'T HAVE TO BE A VETERAN TO BUY
• $$$ (3) % DOWN ON HUD OWNED PROPERTIES
• CLOSING COSTS PAID ON HUD OWNED HOMES
• FHA 203K REHAB LOAN MONEY AVAILABLE
• REGISTERED HUD/VA FORECLOSURE SPECIALIST
• DAILY UP-TO-DATE HUD/VA FORECLOSURE LIST

GOV'T HOME IN LOCAL METROPOLITAN AREA
Gov't owned homes are still a great buy - they provide a chance to buy a home with built-in equity. The two most popular programs are HUD owned and VA owned homes. HUD is mostly geared toward owner occupants and is not as advantageous for investors. An owner occupants closing costs are paid, and only 3% down payment is required. These homes typically sell for below current market value, but some may require paint, carpet and sometimes a bit more. After a HUD home is spruced up, generally the owner has a home that is worth considerably more than the money invested in it. Some VA owned properties are $0 down for owner occupants (even to non-veteran buyers) with special financing available. (DOWNPAYMENTS VARY FROM AREA TO AREA) A purchaser who intends to occupy the property would put $0 down and pay about 4% in closing costs with an interest rate that is at or below the pre-vailing rate -- and with NO PMI/MIP. The interest rate is listed by the Gov't every weeks....as you are reading this, it is at 4.5%(depending upon FICA credit scores. The purchaser who is buying as an investor (CURRENTLY INVESTORS MAY PURCHASE AS MANY PROPERTIES WITH VA VENDEE FINANCING AS THEY CAN QUALIFY FOR - DOWNPAYMENTS REQUIREMENT CHANGE & POLICIES CHANGE AS OFTEN AS THE WEATHER - CONTACT DAVE FOR UPDATED INFO) will pay roughly 4% closing costs...a few properties are $0 down to investors which is an incredible finance package for investors who tradtionally have to put 25-30% down. Your chosen Realtor, Dave Cougle, has been selling HUD owned and VA owned homes for the past 22 years!