4Loines Real Estate Services

05/29/2026

Some days work is hard…

Some days your office is Hatteras 🌊💻☀️

Answering emails, returning calls, and soaking up a little OBX life while I can 😎

From horse farms 🐎 to beach houses 🏖️… this girl covers it all ❤️

05/27/2026

Closing days are the best 🏡

I can’t wait for my friend to get to build her dream home on her very own piece of land 🏡

I’d love to help you find that perfect piece of land to call your own. Give me a call anytime 📞

757-751-5571
4Loines.com

05/21/2026

Learn more about my real estate services. Checkout my profile at

https://homeasap.com/stephanieforloines/

Cert Appraiser:4001017977&A8616
REALTOR: 0225248358&324378
www.4LoinesRealEstateServices.com

*Over 15 years real estate experience *Certified Residential Appraiser *Licensed in Virginia & North Carolina *Specializing in new construction as I worked directly with high end builders in Virginia & North Carolina *Specializing in foreclosures as I worked directly with several banks and am very f...

05/19/2026

🇺🇸 Honored to Serve Those Who Serve 🇺🇸

As a proud Military Relocation Professional (MRP), I understand that military moves are more than just buying or selling a home — they’re life transitions filled with deadlines, PCS orders, stress, excitement, and new beginnings. 🏡✈️

Whether you’re relocating to the Outer Banks, Northeastern NC, or Southeastern VA, I’m here to help make the process smoother every step of the way.

✔️ Military Relocation Knowledge
✔️ VA Loan Experience
✔️ Local Market Expertise
✔️ Realtor • Broker • Appraiser
✔️ Dedicated to Military & Veteran Families

From first-time buyers to seasoned military families, thank you for your service and sacrifice. It would be an honor to help you find home wherever duty calls. ❤️🤍💙

📍 Offices in Barco, Shawboro & Virginia Beach
📲 757-751-5571
🌐 4Loines.com

05/08/2026

This month’s pop-by is bringing the HEAT 🔥🍿🌶️

Your referrals make my business SPICY… so I had to bring the Kickin’ Kettle popcorn to match! 😅

I truly appreciate every call, text, tag, share, and referral you send my way. Supporting local businesses and helping buyers and sellers across NE North Carolina & SE Virginia is something I never take for granted. ❤️

Real estate is my jam… but popcorn might be a close second. 🍿😉

If you know someone looking to buy, sell, relocate, or needing appraisal services — send them my way!

📍 Stephanie Forloines
🏡 REALTOR® & Certified Residential Appraiser
🌐 4Loines.com
📞 757-751-557

05/07/2026

🚨 VA APPRAISAL UPDATE — FACT VS. FICTION

There has been a lot of information circulating online regarding changes to VA appraisal requirements and Minimum Property Requirements (MPRs). While some of the graphics being shared contain partial truths, many oversimplify the actual VA guidance.

Here are the FACTS directly from the U.S. Department of Veterans Affairs:

✅ The VA still requires properties to be:
• Safe
• Sound
• Sanitary

Those core MPR standards have NOT changed.

✅ VA appraisers are STILL required to report:
• Safety hazards
• Structural concerns
• Defective conditions
• Issues affecting marketability or habitability

✅ Certain requirements and certifications HAVE been updated or clarified in recent VA guidance, particularly involving:
• Detached structures
• Some cosmetic conditions
• Certain certifications for new construction and mechanical systems

HOWEVER…

❌ This does NOT mean:
• VA appraisals “won’t require repairs”
• Detached garages/sheds are ignored
• Unsafe conditions no longer matter
• Lenders cannot still require repairs
• Local/state code requirements disappear

📌 IMPORTANT:
Lenders can still impose overlays that are MORE strict than VA minimum requirements.

📌 Detached structures may still be addressed if they present:
• Safety hazards
• Structural instability
• Environmental concerns
• Conditions impacting marketability

📌 Peeling paint concerns still exist for pre-1978 homes due to potential lead-based paint hazards.

📌 Every property is different. VA appraisals are not “automatic pass/fail checklists.” The appraiser must analyze the overall safety, soundness, sanitation, and marketability of the property.

🔹 OFFICIAL VA SOURCES:
VA Lender’s Handbook (Chapter 12 – Minimum Property Requirements):
VA Lenders Handbook Chapter 12

VA Home Loan Program Information:
U.S. Department of Veterans Affairs Home Loans

As always, buyers and sellers should consult with:
✔️ Their lender
✔️ Their REALTOR®
✔️ Their appraiser
✔️ Qualified inspectors/contractors

…to understand how these guidelines apply to their specific transaction.

Using a Va loan and want chat 🗣️
Selling a home and want to know about accepting a Va offer 📞

Reminder…I am a Military Relocation Professional (MRP) 🪖

https://www.benefits.va.gov/homeloans

05/02/2026

What could this bill mean for our area?
Thoughts?

04/23/2026

🌅🐄 Animals fed before sunrise… because they don’t care how you feel

🏡✔️🏡✔️ 2 inspections DONE (yes… I showed up, clipboard and all 💁‍♀️)

🤢🚗💨 Puking in between… because apparently kidney stones don’t respect work schedules

💎🎉 BUT… finally passed that kidney stone!!! (we celebrate the small… painful… victories 😂)

🔥 Moral of the story:
You can’t keep a good Realtor/Appraiser down… even when your body is trying real hard 💀