Mortgage and Lending
Justin Dibbs
Providing real estate expertise in Ashburn Virginia and Loudoun County. "Your Home Sold in 49 Days Guaranteed or I'll Pay You $4,000!"
Cell: (703) 930-5800
Office: (571) 449-6565
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Real Estate Agent
Nancy Pav
I have been a licensed REALTOR for over twenty years helping clients throughout the Northern Virginia region buy and sell both new and resale homes.
Cell: 571-214-7482
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Ashburn, VA Real Estate News

By Ritu Desai 703-625-4949, Northern Virginia,Washington DC & Maryland Realtor
(Samson Properties)
What a beautiful Monday it really is! With lots of big tech companies moving to Northern Virginia (video about that in the coming days), a lot of job opportunities are opening up! If you're one of those people who are looking for a home in NoVA for an overall lifestyle change, job offers, or just looking for a place to move up or settle down, this is your sign!This home at 22452 Alewife Ter, Ashburn, VA just got listed! With 5 bedrooms, 4.5 baths and 2 car garage, it sure has a lot of customization options that you can ever dream of. Not only that, but also check out the gourmet kitchen with fine cabinets, enormous island and stainless steel appliances!In the primary suite lies a luxuriously upgraded primary ensuite bath, with more spacious secondary bedrooms along the way. More living ...
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By Ritu Desai 703-625-4949, Northern Virginia,Washington DC & Maryland Realtor
(Samson Properties)
May the Fourth be with you! A lot of you have been asking if the market has shifted, what it means to home buyers and sellers, and what lies in the future with the current market state. Worry no more, as we'll talk about it in today's video!Current Market StateThis week's market is an indication of a shift. Yes, you read that right, from the looks of it the market is shifting at this point. We have seen some softness in the DMV area when it comes to the house prices.For buyersWhile there is an anticipated market shift that's happening at the moment, don't get too excited because there are still some areas where we are facing some multiple offer challenges. It's important to understand what's going on in the marketplace. While we are not seeing 12 to 14 home offer escalation at the momen...
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By Ritu Desai 703-625-4949, Northern Virginia,Washington DC & Maryland Realtor
(Samson Properties)
Bit of a throwback here from last week, but this is so important that you can't miss it! This is the Weekly Real Estate Market Report of April Week 2!Inflation was such a hot topic from last week, as the snowball continues. There were some new construction lately (check out Metro Walk at Moorefield Station and Hillside at Broadlands) which helps the inventory, but competition is still very tight.My tip for the buyers -- this is STILL an opportunity market. If you're thinking about buying that home, go for it! Go get those contingencies which you haven't been getting in the past two years! I repeat: If you're a buyer, THIS. IS. IT.If you're a home seller, go ahead and list that home! Take advantage of the inventory -- this is the best time to sell your home fast and with lots of good off...
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By Ritu Desai 703-625-4949, Northern Virginia,Washington DC & Maryland Realtor
(Samson Properties)
Another one? Yes, another one!Last week we had Hillside at Broadlands (check it out here), which a lot of you are getting really crazy about. And just like that, another new construction community is up for grabs and is now selling homes! Check out Metro Walk at Moorefield Station in Ashburn, VA!With 4 collections to choose from, a prime location -- nearby Ashburn Station Metro, IAD, lots of shops and restaurants, and the most amazing amenities you can ever ask for, this is such a sweet community to be in! Want to know how you can get a home at Metro Walk for yourself? Let's team up for your options! Call me at 703-625-4949 or visit my website at www.RituDesai.com for more. 
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By Ritu Desai 703-625-4949, Northern Virginia,Washington DC & Maryland Realtor
(Samson Properties)
A lot of people are still looking for that "special sauce" or the "secret 11 herbs and spices" of the real estate industry, and so few have their hands on it -- until now. Taken from my interview with various real estate company founders and personalities (click here for the video), here are the top 5 real estate secrets or habits you should be doing right now.Quick note: Make sure to stick around for a merch giveaway at the end of the blog!1. Home PersonalizationShowing the home to different people that are interested can sometimes be tiring for the seller, especially if they have to move things here and there.Let me tell you a secret: YOU DON'T HAVE TO DO IT! Leave your personal items as is, so potential buyers know what your client is really about. Who knows - you just might meet the...
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By Ritu Desai 703-625-4949, Northern Virginia,Washington DC & Maryland Realtor
(Samson Properties)
Welcome to another edition of the Worst Advice series, where I discuss the worst possible advices someone can give you in real estate and tell you why.Let's say you've saved up some money, and you decided to buy your own home Congratulations!You found out that you still have some left, which for some reason can help you buy another house. Then your friend tells you, "man, just buy as much house as you can! Think about having multiple places to crash in every city. Then you can sell it in the future to buy even more houses! Then you can..." and the slippery slope goes on.Well, if you want to be house rich and cash poor, maybe you want to follow this advice.As your partner in real estate, in a long term real estate game, it doesn't matter whether you are a first time home buyer, investing...
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By Ritu Desai 703-625-4949, Northern Virginia,Washington DC & Maryland Realtor
(Samson Properties)
Looking for the absolute best home in Northern Virginia? This just might be for you! This home at 23394 Evening Primrose Sq, Ashburn, VA 20148 has 3 beds, 3.5 baths, and has a lot of amenities and pristine nature views to offer!This home has 3 finished levels, with a total of 3,600 sq. ft. of living space. The main level offers a spacious living and dining room, gourmet kitchen with upgraded stainless steel appliances, granite, countertops, large Island, & lots of cabinets space. It also has a beautiful backyard view via the breakfast area.Meanwhile, in the upper level, the primary suite is joined with a private luxury bath and a walk-in closet. More spacious secondary bedrooms await, and a very convenient laundry area in the same level as well.The lower level features a must-have offic...
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By Ritu Desai 703-625-4949, Northern Virginia,Washington DC & Maryland Realtor
(Samson Properties)
Looking for a home in the Loudoun County, or perhaps in the most beautiful neighborhood of Brambleton? This is your lucky day! We just listed this beautiful home for rent at 22720 Beacon Crest Ter, Ashburn, VA 20148! Made with 3 beds, 2.1 baths, and located near all necessities, this just might be the deal of the year for you.The whole thing is ready to move in, with the rent includes FIOS cable TV & high-speed internet, ample parking space, and sparkling hardwood floors! Main level features an upgraded kitchen with granite countertops, a backsplash, stainless steel appliances, tons of counter & cabinet space, and a living & dining room combo.The primary level features a balcony & 2 closet space and a luxury main bath with shower & large jetted soaking tub. Such a place deserves the mos...
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By Ritu Desai 703-625-4949, Northern Virginia,Washington DC & Maryland Realtor
(Samson Properties)
Wondering what it's like in one of the best communities in Northern Virginia? Worry no more! We'll talk about Ashburn today, and the top 5 reasons why you should move here!1. Facts and Job OpportunitiesMoney magazine in 2021 ranked Ashburn as the top five place in the country to live. Apart from that, Ashburn is considered the American's Bull's Eye for Internet. 70% of world's Internet goes through Ashburn, Virginia. A lot of job opportunities are open for IT, cybersecurity, Data Analysis, and so much more in this area.2. LocationAshburn is located about an hour outside of Washington, DC., about 10 miles to the Washington Dulles Airport, and about 10 to 15 minutes to beautiful wineries and breweries.3. Traffic AccommodationI knew the DC Metro area is ranked in the top ten most congested...
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By Ritu Desai 703-625-4949, Northern Virginia,Washington DC & Maryland Realtor
(Samson Properties)
Want to sell your home and get the sale of your lifetime? Staging your home to sell is the key! Welcome to a brand new series called Staging to Sell where I give tips on how you can sell your home in style.It doesn't matter what type of bathroom it is - primary suite, powder room, hallway bath, basement -- we all know that we all need to use the bathroom, and is one of the most used utilities at home. What you can do to stage your bathroom is to move all of those bath messes - mismatching towels, bathrooms, and all others. Buy a dozen of white towels and put it around to give it a spa-like feeling. My biggest pet peeve is the worn-out caulkings around the showers, bathtubs, toilets, and sinks. this is an indication that the homeowner has not been taking care of the home by simply lookin...
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By Ritu Desai 703-625-4949, Northern Virginia,Washington DC & Maryland Realtor
(Samson Properties)
As we start this year, it's good to be reminded of the successes of the past to keep moving forward. This actually reminds me of another home I sold last year at Ashburn, VA. It still puts a smile on my face when I remember how happy the new home owners are, especially with this stunning home that is more than meets the eye.With 3 beds, 3 baths, and an open floor plan and an adequate amount of natural light in the living room, it also features a lot of custom built-ins, including a desk, book cases in board and baton style. Kitchen has a custom granite highlight with seating, glass back splash, and high end cabinets that run floor to ceiling, with a family room that has a fireplace and a sea shell chandelier in the dining place.The upper level has three bedrooms, two full baths and spac...
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By Ritu Desai 703-625-4949, Northern Virginia,Washington DC & Maryland Realtor
(Samson Properties)
In this economy, especially at the height of the pandemic, stocks and cryptocurrency are down at moment. What does that mean in the real estate market? Let's all find out in this week's Real Estate Market Report. The housing market appears to be one of the formidable markets someone can invest in at this moment. With that said, here are my tips for the home buyers and sellers right now:For BuyersI would recommend continuing with the home search for a long-term investment. I've been telling this since last month -- a lot of the sellers right are taking in multiple offers and are well-accommodating to buyers due to the very strong market in the DMV area. Since there are a lot of buyers at the moment, I'd recommend finding a realtor with lots of experience and willing to work with your nee...
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By Ritu Desai 703-625-4949, Northern Virginia,Washington DC & Maryland Realtor
(Samson Properties)
It's 2022! Cheers to all of us that made it this far. I'm grateful that I am here to make a prediction for the 2022 Housing Market in the DC Metro Area. Although a bit late, these predictions may apply all year round depending on how the market currently is and what the opinions of the local lenders, statistics, and more give us all year round. Without further ado, here are some of the things that you may expect in the 2022 housing market:1. Interest Rate HikeWe are all expecting a hike in the interest rate as we've hit an all-time low the past year. We may still be at around 3% in Q1, and somewhere around mid-3% from Q2 to Q3. We may be in the high 3% by the end of the year. Depending on where the Fed takes it, and when it happens, we are most likely to see a rate hike for this year.2....
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By Ritu Desai 703-625-4949, Northern Virginia,Washington DC & Maryland Realtor
(Samson Properties)
 Just Listed: South Riding Chantilly Virginia 20152Address: 43538 Hyland Hills St, Chantilly, VA 20152Description:IMMACULATE and COMPLETELY RENOVATED - this Richmond Federal model by Toll Brothers is a PERFECT 10 and Ready to be MOVE-In just in time for HOLIDAYS! Stunning Two-Story Foyers Entrance*Elegant Living & Dining Room combo with designer Chandelier*Magnificient Two-story Great Room with Wall of windows & a cozy woodburning fireplace*GORGEOUS Sun-filled gourmet kitchen with BRAND NEW cabinets, island, appliances with ample counter space, pantry and a breakfast room**Highly desired main level 5th bedroom/home office/ with a FULL bath*Upper level offers Loft overlooking Great room, Oversized Secondary bedrooms with pre-wired for ceiling fans*Remodeled Hallway bath* Stupendous Prima...
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By Ritu Desai 703-625-4949, Northern Virginia,Washington DC & Maryland Realtor
(Samson Properties)
Hello December!  With the holiday season just right around the corner, you might be wondering where you can spend the holiday or at least visit some places to feel the Christmas spirit. Without further ado, here are my top 5 places where you can celebrate the Holiday season!1. Christmas Village at Leesburg Animal ParkDo you love animals? Are you a cat person or a dog person? Well, it doesn't matter -- all of you are welcome! Celebrate the holidays with the most wonderful life companions there is aside from your friends and family -- these little cute pets! Catch the Christmas Village at Leesburg Animal Park from December 3 to 23 to experience this. You may visit their Facebook page here for more information!2. McLean Holiday Art & Crafts FestivalDo you love art? Perhaps you love creatin...
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By Ritu Desai 703-625-4949, Northern Virginia,Washington DC & Maryland Realtor
(Samson Properties)
Looking for a local place to visit with the whole family this coming Thanksgiving? Well, worry no more because I got you covered! Language is a very important part of the human history, as it is one of the things humans came up with to effectively communicate with one another. We use language everyday -- in talking to other people about chores and needs, for our daily tasks in school and at work, and also to share our thoughts and feeling towards one another. As language progresses, we invented new words along the way, and it just keeps evolving. With that, the way we teach language should also evolve, just like everything else. With the new words sprouting out, taking different forms, it is important that we teach the next generation the importance of language by making it more interac...
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By Ritu Desai 703-625-4949, Northern Virginia,Washington DC & Maryland Realtor
(Samson Properties)
'Tis the season, indeed! Thanksgiving and Christmas are just around the corner, and it's about time that people to start shopping for decorations, gifts, or maybe just new things around your home. To all of the locals here in Northern Virginia and the DC Metro Area, we'll talk about the top 5 bazaars and shopping destinations this holiday season!1. It's Bazaar on 21st StreetLooking for great finds this year? Then this bazaar is for you! The Bazaar on 21st Street located in Purcellville, VA is indeed one of a kind. Enjoy all varieties of antiques, vintage collections, home decor, music, handmade pottery, gifts, jewelry, and more! Interested in going to this wonderful shopping place? You may visit their website for more info.2. Heurich House Museum's ChristkindlmrktLooking for more variet...
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By Ritu Desai 703-625-4949, Northern Virginia,Washington DC & Maryland Realtor
(Samson Properties)
Life, as we celebrate it, is too short. Planning for it is very important, and the legacy can live on towards the next generation if done right. With this, it is my honor and privilege to introduce to you our local partner for this week's Thankful Thursday series -- locals S&T Law Group with Sarah and Toula in Fairfax, Virginia to talk about estate planning and buying a home under LLC in planning for the future.What is Estate PlanningFirst off, we need to identify what estate planning is. Estate planning is the preparation of tasks that serve to manage an individual's assets at the time of their death or being incapacitated. For the most part, estate plans are set up with the help of an attorney experienced in estate law, which is what the S&T Law Group is so good at. (Photo by Scott Gr...
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By Ritu Desai 703-625-4949, Northern Virginia,Washington DC & Maryland Realtor
(Samson Properties)
Hey there! Here's another entry for our Real Estate Alphabet Soup, where we learn more about the real estate industry one letter at a time. This word appears a lot not just in real estate, but also in a lot of fields and places like malls, boutiques, restaurants, fastfood chains, e-commerce stores, and many more. Without further ado, let's welcome today's letter...S for SaleIn real estate, we have a lot of property types that we can put into sale. With that comes the different types of sales as well, such as (1) the standard sale, which is a traditional buyer and seller; (2) foreclosure, where the bank owns a property which is usually called the REO or bank-owned property; and (3) short sales. When we have the financial crisis, the homeowner owned more than waht the market value of the ...
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By Ritu Desai 703-625-4949, Northern Virginia,Washington DC & Maryland Realtor
(Samson Properties)
Another one for today! Welcome to another episode of Real Estate Alphabet Soup. This time, we'll be talking about my profession, something that I really take pride of. I've met a lot of wonderful people in my line of work and I can never be more proud of saying that I am a...R for Realtor®This is my favorite letter so far, and I am so proud of being a realtor. Realtors like me belong in the National Association of Realtors, which is a huge umbrella with a lot of local-level realtor associations under it. At the local level, I belong to GCAAR or Greater Capital Area Association of Realtors, which covers Maryland and DC. I also belong in NVAR, or the Northern Virginia Association of Realtors, which, you guessed it, are home for the Northern Virginia realtors like me.We do have a Code of E...
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By Ritu Desai 703-625-4949, Northern Virginia,Washington DC & Maryland Realtor
(Samson Properties)
Hey there! Here goes another episode of the Real Estate Alphabet Soup for today, where we learn more about real estate one letter at a time. Now we're at the letter Q. We'll be talking about one of the important things in filing for a mortgage as a home buyer.Q for Qualifying RatiosQualifying ratios are the ones that the mortgage lender will use to qualify you for the home mortgage. This includes your debt-to-income ratio, for scores back in ratios, you name it.Also, in an event that you are making an application for rent in the DMV area, your lender or the property manager will utilize the ratio before they will lease you the property in the area. So know your DTI or your qualifying ratios if you are planning to buy a home.Wondering how you can get a loan and you need more information ...
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