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Marshall Heights : Real Estate Advice

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  • Local Info3
  • Home Buying4
  • Home Selling0
  • Market Conditions1

Activity 8
Sun Jan 12, 2014
Tasia Pappas answered:
Are you trying to be near metro in 20016? Looking for single family or condo?

Tasia Pappas
Long & Foster
Christie's International
202-494-0470 Direct
202-363-1800 Office
202-363-1637 Fax
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Sun Dec 15, 2013
Lanre Folayan answered:
Hello Diamond,

How are you doing? Happy Sunday to you. Hope all is well. Just wanted to know if you ever got the information that you was looking for? Also are they any other places that you have in mind? Please reply to this message at you earliest convenience. Take care. ... more
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Wed Aug 7, 2013
Lanre Folayan answered:
Congress Heights DC zip code 20032 is one if not probably the least expensive of the DC Subdivisions. Check out these stats to find out what I am talking about:

No DC Real Estate Market has experienced quite an increase in value. If you want a more in depth Congress Heights DC Real Estate Market Report,please don't hesitate to e-mail me at Or go to one of my websites at ... more
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Sat Feb 23, 2013
Kelly Putz answered:
Hi Fungirl,

It depends on the bank and what their minimum mortgage amount is. I have found in the metro DC area, $50,000 is the bottom limit for mortgages, and even then they don't like to make loans that small because they don't make much money off it. In DC, I would use a smaller local lender for an easier time getting a small mortgage. In more rural areas or areas, such as Detroit, Phoenix or most of Florida where the market is severely depressed and home prices are much lower, the loans available may be lower and easier to find for that amount.

You must still come up with 3.5% down payment for an FHA.

Also, an FHA loan has to be for a property you will be occupying. You cannot use it to purchase an investment property or a second home.
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Tue Feb 5, 2013
Kelly Putz answered:
Hi Fungirl,

I applaud you for asking so many questions! All buyers should ask questions like these before going into viewing properties in person with a blindfold on.

As Maureen mentioned, this is a condo, so it doesn't actually have an HOA fee, and the condo fee is only $195/month, but that includes your master insurance policy, water, trash, property management, lawn care, snow removal and reserve funds. Plus this is a brand new condo and the builder is willing to pay for the first year of condo fees, $2340 that does not have to come out of your pocket.

The HOA (Home Owners' Association) is typically lower because it covers a lot fewer things than a condo fee. HOA usually covers snow removal, grounds/landscaping maintenance, street maintenance if it's a private community where the county does not maintain the streets and amenities such as a pool, playground or clubhouse. A condo fee, set by the condo association board and management, tends to be higher because, on top of covering the same items in an HOA, it includes your master insurance policy and reserve funds for the association. These are big benefits because you won't be required to have homeowner insurance on a condo (but you should get very inexpensive HO6 insurance to cover your belongings in a disaster) and the reserve funds, which are to cover items such as roof replacement, repairs and maintenance of boilers and HVAC systems for the whole complex and a maintenance crew who does all this work.

$195 is a pretty cheap condo fee for DC. I typically see upwards of $300-$1200, depending on amenities, and if it includes utilities.

BTW - there is another 2BR condo in this same complex that is listed for $149,900 with the same incentives by the builder.

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Wed Jan 23, 2013
Kelly Putz answered:
Hey Fungirl,

The Condo Fee is $195.00/Monthly and it includes, Ext Bldg Maint, Lawn Maintenance, Management, Master Ins Policy, Reserve Funds, Snow Removal, Trash Removal, Water Bill. That's pretty good for such a low fee. So that means you'd be responsible for all other utilities, except water.

A condo fee includes a Master Insurance Policy, meaning that if the building burns down, the insurance policy covers rebuilding it. But it does not cover personal items and furniture inside the unit, nor does it cover replacement of things like kitchen cabinets and appliances. For that you'd want HO6 insurance, similar to rental insurance, which is SUPER cheap. Also, you'd want to find out if the master policy has a deductible for unit owners. I've seen some that have a $5000 deductible before they pay.
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Tue Jun 12, 2012
Ericka S. Black answered:
Hey Mtolson08,

Check out this website to get the Crime Stats for Marshall Heights and other surrounding areas. Crime occurs throughout DC in all areas.

I don't live far from this area. I don't feel unsafe and my neighbors are nice. Here are some beautiful homes near me Call me at (202) 670-6677 if you are interested in seeing some places in my neighborhood.

Talk to you soon,
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