This regularly scheduled sponsored column is written by Eli Tucker, Arlington-based Realtor and Arlington resident. If you would like to work with Eli and his team in Northern Virginia and the greater D.C. Metro area, you can reach him directly at [email protected].

Eli and his team believe that your real estate needs should be managed by advisors, not salespeople. Their mission is to guide, educate, and advocate for their clients through real advice, hands-on support, and personalized service.

Interest rates on investment properties are traditionally much higher than rates on primary homes, often 0.75-1.0%+ higher or charge 1.5-2 points, because they are riskier loans and thus require a higher return from the creditors. However, I’ve recently found that some banks are pricing investment loans much lower than I’m used to seeing, relative to loans on primary homes.

As we head into the second half of the year, when demand begins to taper off in the real estate market, the lower interest rates on investment loans might create some attractive buying opportunities for some investors.

I spoke with Trey Reed with Cross Country Mortgage about their investment loans and why CCM has shifted its investment products. If you’d like to speak with Trey directly, you can reach him at [email protected] or 703.297.9382.

Lower Rates on Investment Loans, Including Condos

Usually interest rates on investment properties are 0.75-1.0% higher than the going rate on mortgages for primary homes (or charge 1.5-2 points on the loan), but lately CCM has been pricing investment loans just 0.125-0.25% higher than their rates on primary loans (with no points). Last week an investment property with 25-30% down was priced at 6.875-6.99% with no points for a 30y loan compared to 6.75-6.875% for a comparable loan on a primary home.

Traditionally rates on condo loans have also been higher than other property types because banks consider condos to be a riskier asset. With at least 25% down, CCM is not charging any risk premiums for condos, which usually costs borrowers another 0.25%.

Why Have Investment Loans Gotten Cheaper?

Trey can’t speak for all banks, but he said that Cross Country Mortgage has improved their rate pricing and underwriting guidelines favorably for investors because they’ve found that the loans perform well in the long run and are seeing a lot of demand for them in the secondary market.

Investment properties have higher down payments (25-30%) compared to most primary home loans and the rental income provides additional risk protection compared to primary or second homes. The risk protection of rental income is the main reason why you won’t find similar rate discounts on second homes.

Portfolio Lending Offers More Flexibility

These discounted investment loans are what’s called “portfolio loans” which means CCM is setting their own underwriting guidelines rather than using Fannie Mae guidelines, which price investment loans much higher. One of the differences in these portfolio guidelines is that they’re applying future rental income to the debt to income calculations to qualify borrowers, making it easier to qualify for an investment loan.

If you have questions about Cross Country Mortgage’s investment loans or are interested in getting quote on a property you’re considering, you can reach Trey Reed at [email protected].

If you’d like to discuss buying, selling, investing, or renting, don’t hesitate to reach out to me at [email protected].


This recurring real estate feature is sponsored by The Eli Residential Team. Their mission is to guide, educate, and advocate for their clients through real advice, hands-on support, and personalized service. This week’s post is written by Carolanne Korolowicz.

Whether you are on the team blue or yellow line, every avid metro rider knows the importance of residing by a station. Those who want walkability to great restaurants and retail, including Costco, you don’t want to miss out on these properties perfect for rolling out of bed and onto your morning commute.

New York has Fifth Avenue, Beverly Hills has Mulholland Drive, and Arlington has Arlington Ridge Road. Situated on an iconic street known for gorgeous homes with spectacular views, this over 8,400 square-foot brick Colonial has a stately presence. Being only a 15 minute walk to the metro, you don’t have to sacrifice bed & bath count for convenience.

The 1950-1980s Arlington condominium buildings got many things right – expansive floorplans, designated dining areas, grand balconies and storage for days. This Horizon House condo includes all of these luxuries, but upgraded with modern finishes and design.

Anytime I show a condo at The Representative, I am transported to a world of 1970s glamour. With Italian marble inlaid flooring, floor to ceiling windows, custom closets and a wrap-around balcony, the true showstopper is the view. The Washington Monument and Air Force Memorial are all visible from the comfort of the living room.

This 1930s Cape Cod brings old-timey charm mixed with modern-day creature comforts. Greeted by a large front porch, once inside hardwood floors, arched doorways and wainscoting along the dining room all gleam. Other than being centrally located, the home includes the conveniences of EV charging and solar panels.

Priced lower than most one-bedroom condos in the county, this renovated unit is perfect for any commuter looking for walkability with extra room at a great price. The bright and clean finishes throughout give the condo an open and spacious feel. Bonus: the condo association fee includes ALL utilities.


This is a sponsored column by attorneys John Berry and Kimberly Berry of Berry & Berry, PLLC, an employment and labor law firm located in Northern Virginia that specializes in DC, Maryland, Virginia, federal employee, security clearance, retirement and private sector employee matters.

By John V. Berry

Our federal employment lawyers represent federal employees nationwide before the Merit Systems Protection Board (MSPB). When filing an appeal with the MSPB a federal employee must carefully complete several critical steps to start the process. Failure to comply with these requirements may result in the dismissal of the appeal or the exclusion of critical components from MSPB review.

Filing Deadline for an MSPB Appeal

In general, an appeal must be filed within 30 calendar days of either the effective date of action, if any, or the date the appellant receives the agency’s decision, whichever occurs later. However, if the appellant and the agency mutually agree in writing to engage in an alternative dispute resolution process before the appeal deadline, the filing period can be extended by an additional 30 days, resulting in a total of 60 calendar days to file the appeal.

The MSPB will likely dismiss an appeal that is filed after the deadline. To avoid this outcome, it is essential to strictly adhere to all filing deadlines.

Where to File an MSPB Appeal

You must file your appeal with the MSPB regional or field office that serves the geographic area where your duty station was located at the time the action was taken. However, if the appeal involves a final decision by the Office of Personnel Management (OPM) concerning retirement benefits, or an adverse suitability determination, it should be filed with the regional or field office that has jurisdiction over your place of residence. For a complete list of MSPB regional and field office jurisdictions, refer to Appendix II of Part 1201 of the Board’s regulations. The MSPB has some helpful information listed here regarding the filing of appeals.

Electronic Filing of an MSPB Appeal

The MSPB e-Appeal system, is the most efficient and is the exclusive platform for electronic filing with the Board. If you prefer not to file your appeal electronically, you may download the MSPB Appeal Form and submit it using traditional methods, such as postal mail. While using the Appeal Form or the e-Appeal Online application helps ensure that all required information is included, use of the form is not mandatory.

At our law firm, we utilize the electronic filing system from the initial filing through the conclusion of the appeals process. Regardless of the method used, an appeal must be submitted in writing and must contain all the information required under 5 C.F.R. § 1201.24(a). Specifically, § 1201.24(a) provides that all appeals must include the following:

  1. The name, address, and telephone number of the appellant, and the name and address of the agency that took the action;
  2. A description of the action the agency took and its effective date;
  3. A request for hearing if the appellant wants one;
  4. A statement of the reasons why the appellant believes the agency action is wrong;
  5. A statement of the action the appellant would like the judge to order;
  6. The name, address, and telephone number of the appellant’s representative, if the appellant has a representative;
  7. Where applicable, a copy of the notice of proposed action, the agency decision being appealed and, if available, the SF-50 or similar notice of personnel action. No other attachments should be included with the appeal, as the agency will be submitting the documents required by 1201.25 of this part, and there will be several opportunities to submit evidence and argument after the appeal is filed. An appellant should not miss the deadline for filing merely because he or she does not currently have all of the documents specified in this section.
  8. A statement telling whether the appellant or anyone acting on his or her behalf has filed a grievance or a formal discrimination complaint with any agency regarding this matter; and
  9. The signature of the appellant or, if the appellant has a representative, of the representative. If the appeal is electronically filed, compliance with § 1201.14 and the directions at the Board’s e-Appeal site (https://e-appeal.mspb.gov) satisfy the signature requirement.

Procedures Following an MSPB Appeal

The Administrative Judge assigned to the case will issue an Acknowledgment Order to the appellant, their representative (if any), and the agency. This order serves to officially notify all parties of the appeal and transmits a copy of the appeal to the agency. It also directs the agency to submit a written response explaining the reasons for the personnel action being challenged, along with all documents contained in the official agency record related to the action.

As the case proceeds, the Administrative Judge will issue additional orders and notices regarding required pleadings and procedural deadlines. Pleadings may be submitted electronically via the MSPB’s e-Appeal Online system, or by regular mail, fax, or personal/commercial delivery. Following a hearing, or, if no hearing is requested, after the close of the written record, the Administrative Judge will issue an initial decision.

A well-prepared submission significantly improves a federal employee’s chances of either successfully litigating the case or reaching a favorable settlement. A clear and thorough appeal gives the Administrative Judge the context needed to assess the claims early on and ensures proper understanding of the legal arguments from the outset, which facilitates settlement discussions.

Conversely, if the appeal lacks clarity or detail, the Administrative Judge may overlook key issues, diminishing the focus on the case and weakening its presentation throughout the process. For these reasons, our firm strongly recommends that federal employees seek legal counsel to review and prepare the initial appeal to ensure it meets all procedural requirements.

Contact Us

Berry & Berry, PLLC represents current and former federal employees in employment, administrative, labor union, and security clearance matters, both nationwide and abroad. To learn more or to schedule a consultation, please visit our website at www.berrylegal.com or call us at (703) 668-0070.


This recurring Open Houses feature is sponsored by The Eli Residential Team. Their mission is to guide, educate, and advocate for their clients through real advice, hands-on support, and personalized service. This week’s post is written by Carolanne Korolowicz.

The Arlington real estate market doesn’t stop for a holiday! These properties are ones worth celebrating.

Would like to view one of these properties before, or after, Independence Day? Let’s connect! [email protected]

Let Eli and his team expertly guide you through the unique market dynamics in Arlington. Start by filling the form below. It will support ARLnow’s local news mission and you’ll get some perks in the process.


Each week, “Just Reduced” spotlights properties in Arlington County whose price have been cut over the previous week. The market summary is crafted by Arlington Realty, Inc. Maximize your real estate investment with the team by visiting www.arlingtonrealtyinc.com or calling 703-836-6000 today!

Please note: While Arlington Realty, Inc. provides this information for the community, it may not be the listing company of these homes.

As of June 30, there are 203 detached homes, 49 townhouses and 199 condos for sale throughout Arlington County. In total, 41 homes experienced a price reduction in the past week, including:

2001 N George Mason Drive

Please note that this is solely a selection of Just Reduced properties available in Arlington County. For a complete list of properties within your target budget and specifications, contact Arlington Realty, Inc.


This column is sponsored by Arlington Arts/Arlington Cultural Affairs, a division of Arlington Economic Development.

There’s nothing like live music to chase away the summertime blues. The Lubber Run Amphitheater Summer Concert Series is in full swing, offering a wide range of performers through August 1.

Celebrate Independence Day weekend with the 257th Army Band on Saturday, July 5, followed by a family-friendly matinee with Mr. Jon & Friends on Sunday, July 6. The summer sounds keep coming with The Sidleys (Friday, July 11), King Soul (Saturday, July 12), and Drew Blue Shoes, a family performance co-presented with Arlington Public Library, on Sunday, July 13.

The series opened in June with a two-week run of “You’re a Good Man, Charlie Brown” by The Arlington Players (TAP), honoring their 75th anniversary season. Since 1969, generations of Arlingtonians have gathered at Lubber Run Amphitheater for unforgettable summer performances. This year’s lineup continues that tradition with a diverse mix of music, theater and cultural celebrations, all free and open to the public.

July 2025 Schedule Highlights:

  • Saturday, July 5 – 8:00 p.m.
    257th Army Band (Military band)
  • Sunday, July 6 – 11:00 a.m.
    Mr. Jon & Friends (Family Performance)
  • Friday, July 11 – 8:00 p.m.
    The Sidleys (Indie Rock/Soul)
  • Saturday, July 12 – 8:00 p.m.
    King Soul (Memphis Soul)
  • Sunday, July 13 – 11:00 a.m.
    Drew Blue Shoes (family performance co-presented with Arlington Public Library)
  • Friday, July 18 – 8:00 p.m.
    Bongo District (Reggae/Cumbia)
  • Saturday, July 19 – 8:00 p.m.
    U.S. Navy Band Commodores (Big Band/Jazz)
  • Sunday, July 20 – 11:00 a.m.
    The Rainbow Rock Band (family performance)

The free Lubber Run Amphitheater Summer Concert Series continues through August 1 with performances every Friday and Saturday at 8 p.m., and family-friendly matinees on Sundays at 11 a.m. Lubber Run Amphitheater is located at 200 N. Columbus St., Arlington, Va. 22203. All shows are free; no tickets are required.

For the full schedule, artist details and weather updates, visit www.ArlingtonArts.org. Don’t miss a beat — explore everything Arlington Arts has to offer!


1512 N Scott St #TH-4

This recurring real estate feature is sponsored by The Eli Residential Team. Their mission is to guide, educate, and advocate for their clients through real advice, hands-on support, and personalized service. This week’s post is written by Jean Ropp.

One of the most sought-after features in today’s real estate market isn’t just about square footage or finishes, it’s about location, location location… and more specifically, walkability.

Imagine stepping outside your front door and strolling to your favorite café, grabbing groceries without ever starting your car, or walking your kids to the nearby park. Arlington homes with high walkability offer not only a place to live, but a certain way of life. Linked below are a collection of townhomes and detached homes that are on the market now and place you just steps away from various locations along the Rosslyn-Ballston corridor. (…Many of these coincidently have had recent price improvements, providing an even more exciting opportunity.)

Highly Walkable Homes Linked Here

  • 1512 N Scott St #TH-4
    $785,000, 3 Bed/ 2 Bath
    Presented by Claire Belcher
    Only 1 of 10 luxury townhomes, situated in the heart of Arlington’s vibrant Courthouse-Clarendon corridor
  • 3129 7th St N
    $1,100,000, 2 Bed/ 2 Bath *New Price*
    Presented by Kristina Shevchenko
    A cute Bungalow in Lyon Park, renovated 2-bedroom, 2-full bath on a 5,951 sq ft lot
  • 1688 N Quinn St
    $1,530,000 3 Bed/3 Bath *New Price*
    Presented by Jean Nguyen
    End unit town home 3 bed, 2.5 bath all-brick, 3200+ sq ft townhome in Bromptons neighborhood of North Arlington
  • 1414 N Johnson St
    $1,549,900 4 Bed/4Bath *New Price*
    Presented by Pat Flynn
    Two-Level detached home in the heart of Arlington and tucked away on a private road with a second full kitchen on the lower level.
  • 1516 16th Ct N
    $1685,000 3 Bed/4 Bath *New Price*
    Presented by Traudel Lange
    In popular Rosslyn Key— an exceptional, Madison-built end-unit townhouse with elevator access to all floors and a stunning rooftop
  • 2404 16th St N
    $2,595,000 5 Bed/6 Bath *New Price*
    Presented by Heidi Robbins
    A BeaconCrest-built home from 2016 with unbeatable proximity to Clarendon’s vibrant dining and shopping scene

If you have any questions regarding these listings, or would like to schedule a private showing, please feel free to contact Jean for a private showing


This recurring Open Houses feature is sponsored by The Eli Residential Team. Their mission is to guide, educate, and advocate for their clients through real advice, hands-on support, and personalized service. This week’s post is written by Jean Ropp.

The temperatures are HOT and so are these new listings. Check out these open houses this weekend :

Single Family Home Open Houses, Linked Here:

  • 2503 N Jefferson St, Arlington, VA 22207
    6 Bed/4.5 Bath $2,495,000
    Open Saturday and Sunday 2pm-4pm
    Presented by Jean Beatty
  • 1635 13th St S, Arlington, VA 22204
    4 Bed/3 Bath $1,150,000
    Open Sunday 1pm-4pm
    Presented by Mike Burns
  • 898 N Kentucky St, Arlington, VA 22205
    4 Bed/3 Bath $949,900
    Open Saturday and Sunday 1pm-3pm
    Presented by Dan Mleziva

Townhome Open Houses, Linked Here:

  • 1401 S Edgewood St #488, Arlington, VA 22204
    2 Bed/1 Bath $465,000
    Open Friday 5pm-7pm, Saturday and Sunday 2pm-4pm
    Presented by Michelle Doherty
  • 4519 34th St S, Arlington, VA 22206
    2 Bed/3 Bath $775,000
    Open Sunday 2pm-4pm
    Presented by Kay Houghton
  • 1802 24th St S, Arlington, VA 22202
    3 Bed/3.5 Bath $1,250,000
    Open Sunday 1pm-3pm
    Presented by Susan Hand and Cameron Razzaghi

Condo Open Houses, Linked Here:

  • 1045 N Utah St #2-212, Arlington, VA 22201
    2 Bed/2 Bath $625,000
    Open Sunday 1pm-3pm
    Presented by Shawn Battle
  • 1200 N Hartford St #610, Arlington, VA 22201
    1 Bed/1 Bath 448,000
    Open Sunday 11am-1pm
    Presented by Janice Spearbeck
  • 3515 Washington Blvd #316, Arlington, VA 22201
    1 Bed/1 Bath $345,000
    Open Friday 5:30pm-7:30pm
    Presented by Casi Carey

Don’t wait for these open houses! Let’s schedule a tour. Jean of Eli Residential Group is free this weekend to set up a private tour that fits your schedule. Contact info here: [email protected] 781.635.5530

Let The Eli Residential Team expertly guide you through the unique market dynamics in Arlington. Start by filling the form below. It will support ARLnow’s local news mission and you’ll get some perks in the process.


This article is sponsored by Arlington Economic Development.

Trustible, an artificial intelligence governance startup based in Arlington, has raised $4.6 million in seed funding to grow its platform and support responsible AI adoption across industries.

The company is building tools that integrate AI governance into enterprise workflows, helping organizations manage risk and stay compliant with emerging regulations. As the use of AI accelerates across sectors, Trustible is positioning itself as a leading solution for companies that want to deploy the technology responsibly.

Trustible’s platform is designed to make regulatory and ethical compliance a competitive advantage, rather than a hurdle. By embedding governance from the start, the company enables innovation that is both fast and accountable.

Gerald Kierce, co-founder and CEO of Trustible, said Arlington offers the right mix of resources and opportunity to scale.

“Arlington is the ideal place to build the company,” Kierce said, pointing to the region’s technical talent, access to policymakers, and strong cybersecurity ecosystem. “Our success is possible because of the unique blend of expertise and regional connectivity AED has built.”

The company’s network of collaborators includes major technology players such as Google and Microsoft, Georgetown University’s Center for Security and Emerging Technology, and the National Institute of Standards and Technology’s AI Safety Institute Consortium.

With its new funding, Trustible plans to double the size of its Arlington-based team, enhance the capabilities of its platform, and expand its global partnerships.

Kierce said the company is part of a broader wave of mission-driven innovation growing in the D.C. region.

“We see a coming wave of startups that blend public-sector DNA with commercial speed,” he said. “Trustible aims to help anchor that ecosystem and prove that innovation and governance can thrive side by side on the Potomac.”


Each week, “Just Reduced” spotlights properties in Arlington County whose price have been cut over the previous week. The market summary is crafted by Arlington Realty, Inc. Maximize your real estate investment with the team by visiting www.arlingtonrealtyinc.com or calling 703-836-6000 today!

Please note: While Arlington Realty, Inc. provides this information for the community, it may not be the listing company of these homes.

As of June 23, there are 213 detached homes, 46 townhouses and 216 condos for sale throughout Arlington County. In total, 42 homes experienced a price reduction in the past week, including:

705 N Barton Street

Please note that this is solely a selection of Just Reduced properties available in Arlington County. For a complete list of properties within your target budget and specifications, contact Arlington Realty, Inc.


This sponsored column is by Law Office of James Montana PLLC. All questions about it should be directed to James Montana, Esq., Janice Chen, Esq., and Taryn Druge, Esq., practicing attorneys at The Law Office of James Montana PLLC, an immigration-focused law firm located in Falls Church, Virginia. The legal information given here is general in nature. If you want legal advice, contact us for an appointment.

The 2025 budget reconciliation bill, better known by its stage name “One Big Beautiful Bill,” passed the House last month and is under consideration in the Senate. The Big Beautiful Bill (“BBB”) both increases immigration fees and, in important ways, changes the function of fees within the immigration system.

Cash. Here. Now.

First, let’s look at the fee increases. Here are a few of the most notable items:

  1. Anyone caught crossing the border illegally will immediately be assessed a $5000 “apprehension fee.” This is a truly remarkable change. Fines for criminal violations are common under U.S. law, but that requires an adjudication of guilt; civil penalties are common under U.S. law, but that, too, requires a finding of liability. The BBB says that the fine will be assessed either by immediate confiscation of any cash the migrant may be carrying, or by the creation of a civil debt.
  2. Applying for asylum is currently free. If the BBB passes in its current form, it will cost $1000 to apply for asylum. In addition, every year that application is pending, the asylum seeker will have to pay a fee of $100. It is unclear what will happen if you forget to pay the fee, but our bet is: automatic denial of the application. Aficionados of public choice theory will note that delays in asylum adjudication will now benefit the government, both by increasing revenue for applicants who manage to stick with it and by decreasing backlogs via robo-termination. The backlog will be lucrative, too. The Arlington Asylum Office – just one of many asylum offices in this country, but it’s ours! – ended the first quarter of the 2025 fiscal year with 161,116 pending asylum applications. 2,496 applications were completed in this same time period.
  3. The first application for a work permit for asylum applicants, currently free, will cost $550 under the BBB.
  4. Sponsors of Unaccompanied Minors will have to pay a fee of $3500 to repay the government for the care of the minor. This is not a bond – this is a bill for the minor’s detention.
  5. If an Unaccompanied Minor fails to appear in court, her sponsor gets a $5000 bill.
  6. The green card application fee of $1440 will increase to $1500.
  7. Applicants for temporary protected status will have to pay $500 rather than $50.

Those are just the highlights. Read about all the proposed fees here.

None of these proposed fees or fee increases would offer fee waivers, which drop the filing fee for those experiencing severe financial hardship. Moreover, the bill also proposes eliminating lawfully present immigrants’ (such as asylees and DACA recipients) access to government benefits like SNAP and Medicare. Furthermore, the bill includes massive funding for immigrant detention and ICE; $45 billion toward building detention centers and $27 billion toward ICE’s deportation operations, among other allocations for immigration and border issues.

The final item we’d like to note is structural. As we’ve explained in previous advertorials, USCIS is self-funding. With rare, infrequent exceptions, Congress is not called upon to make contributions from the public fisc. These fee increases, in a break with tradition, will not go to USCIS, but instead will go straight to the U.S. Treasury. Unlike in previous fee-increase rounds, the upcharge isn’t meant to make the agency work better – it’s primarily meant to make the numbers work in the BBB, and secondarily, we think, to create an enforcement plan masquerading as a fee schedule.

As always, we are grateful for your questions and comments, and will do our best to respond.


BizLaunch

This article is sponsored by Arlington Economic Development.

In Arlington, federal employees aren’t just a part of the workforce — they’re our neighbors, friends and community members. As some navigate career shifts prompted by recent federal policy changes, BizLaunch is here to help turn years of government experience into successful business ventures.

Federal workers bring highly specialized skills in areas like accounting, IT, consulting and project management. These areas of expertise make them natural candidates for entrepreneurship. That’s where BizLaunch comes in. BizLaunch has hosted workshops, career fairs and networking events specifically designed to guide federal employees through the process of launching and growing a business.

Whether you’re brainstorming your first idea or mapping out a full business plan, BizLaunch offers free, one-on-one consultations covering everything from marketing to licensing to compliance. And for those looking for even more support, BizLaunch’s free webinar, presented with SCORE and Arlington Public Library, offers practical insights tailored for government workers ready to explore what’s next.

While BizLaunch focuses on entrepreneurship, Arlington County as a whole remains committed to supporting the more than 25,000 federal employees who work here and the many more who call Arlington home. For additional county resources, visit the Assistance for Federal Employees and Contractors page.

For more information on BizLaunch, Arlington’s small business support network, or to schedule a free consultation, visit bizlaunch.org.


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