The Combustible Adjustable Mortgage

You’ll pay a little more for a fixed rate mortgage for the peace of mind that your principle and interest payment will never increase but that’s not always the most appealing choice for some homebuyers.

The longer you intend to stay in your home,–generally five years or more–the safer you are with a fixed rate. But if you plan to occupy your home for only a short time, the adjustable rate mortgage or A.R.M. might be worth considering. You can buy a more expensive home with a lower interest rate, or you can take the difference in what you’d pay toward a fixed rate and put it into savings, if you’re that disciplined.

On the downside, risk is greater with an A.R.M., depending on its terms–when and by how much the loan adjusts in interest. An A.R.M. isn’t a bargain if you have to come up with several hundred dollars more per month after a short period, or if you have to refinance your A.R.M. into a fixed rate for several thousand dollars a few years later.

A hybrid loan may offer the best of both worlds. A hybrid is fixed for a period of time, such as five, seven or ten years, then adjusts to a new rate when the term ends, giving you plenty of time to sell your home before the first adjustment.

Talk to your lender, ( if you need a lender referral I am happy to share my list with you) share your plans and calculate the differences in a fixed rate and an adjustable rate mortgage.


Driving the Neighborhood

Whether you’re shopping for a home in a familiar location or a new neighborhood, remember that you’re buying more than a home. You’re also buying the neighborhood, so it helps to become familiar with your favorites, whether you drive them or walk them.

Why is that important? It’s the neighborhood that helps establish home values, which depend largely on location and local amenities (close to high-paying jobs, high-scoring schools, high-starring restaurants, etc.)

Neighborhoods can change over time, so look for signs of transition. Do you see reinvestment or decline? Homeowners reinvest by repainting, making repairs and refreshing their homes with updates. What kinds of stores and services do you see? Dollar stores or boutiques, payday loan shops or investment firms, fast food or upscale restaurants. Are you the right target demographic?

Visit the area at different times of the day and on weekends. What’s traffic like? How long is your commute?

As you drive, check a few home-buying apps. On your Realtor.com app, you can see crime stats and amenities and save your favorites to show me when we meet to discuss your home needs.


Mount Vernon Country Club

Mount Vernon Country Club is situated on one of George Washington’s original seven farms.

Golf Course Architect Robin Roberts designed the nine-hole golf course which opened on June 3, 1961. On June 10, 1961, an exhibition match was played by Head Pro Dick Mason, Sam Snead, and two local professionals Bobby Bowers and Al Jamison, where Sam Snead shot 67. In 1963 the members purchased Mount Vernon Country Club and renamed it Woodlawn Country Club. Golf Course Architect Ed Ault designed the second nine holes which opened in 1968. In 1993 Woodlawn Country Club again became Mount Vernon Country Club. Over the past 20 years the Club has continued to develop including significant golf course improvements which were designed by Golf Course Architect Bill Love. In 2014, the Clubhouse had an interior renovation and in 2016 major improvements were made to the golf course.

Driving Range

Eighteen hitting stations. Warm Season Latitude 36 grass teeing area, balls available on the grass tee five days a week in season. The season is typically mid April to mid October. Out of season balls are available on the range mats seven days a week. Six target greens in distances from 100 to 215 yards.

Putting Green

8,000 square foot USGA putting green.

Warm Up Chipping Green

3,500 square foot green with small areas of fairway height turf.

Short Game Facility

5,500 square foot green surrounded by two areas of fairway grass and two green side bunkers. Designed to accommodate a variety of shots from 50 yards or less.

Mount Vernon Country Club’s team of PGA professionals offer private lessons, spring and summer golf camps for kids, club fittings, counsel and services for every level of golfer.


Our golf associations sponsor tournaments and events throughout the golf season. Our groups include:

  • Men’s Golf Association
  • Ladies 18-Hole Association
  • Ladies 9-Hole Association
  • Women’s Weekend Golf Association
  • The MVCC Retired Men’s Golf Team
  • Junior Golf Program
  • Men’s Twilight League
  • Friday Social Golf Twilights
  • Get Golf Ready Classes & Leagues

Details about all of these groups are available from the Pro Shop or Membership Director.

Special Events during the year include:

  • Men’s and Women’s Member-Guest Events
  • Major club manufacturer Demo Days and Trunk Shows
  • Annual Season Finale Awards Banquet to honor Champions
  • Competitive Interclub Teams for juniors, seniors, women, and men
  • Play with your Golf Professional Staff in Pro-Scrambles and the Pro-Member Invitational


Full Golf Membership

A full golf member, either a single person or family, is entitled to full use of club facilities, including unlimited golf.  The spouse of a full golf member is entitled to the same privileges. Unmarried dependent children have full use of the club until they reach age 21 or baccalaureate graduation.


Young Professional Full Golf Membership

Full golf memberships are available to professionals age 40 and younger in either family or single categories. Different initiation fees and dues levels are offered for young professional members between the ages of 21-29 and 30-35.


Corporate Sponsored Full Golf Membership

Corporate sponsored membership is available to legal companies in existence for at least one year before membership application. Members designated by the Corporation must have a direct relationship to the Corporation (i.e. officer, director or employee). The Corporation may have up to ten full golf memberships. The Corporation may replace a resigning corporate member if the individual is no longer affiliated with the Corporation (resignation, termination, retirement). A new member may replace a resigning member for a charge of 25% the prevailing individual Full Golf initiation fee at the time of replacement one time only.


Social Golf

This category allows a single or family member full use of the clubhouse, dining and pool facilities, putting green, and all golf practice facilities. Social golf members may play golf once per calendar month. The spouse of a social golf member is entitled to the same privileges. Unmarried dependent children have use of the club until they reach age 21 or baccalaureate graduation.



This category allows a single or family member full use of the clubhouse, dining and pool facilities. House Members are not permitted use of the golf course or golf practice facilities. The spouse of a House member is entitled to the same privileges. Unmarried dependent children have use of the club until they reach age 21 or baccalaureate graduation.

Mount Vernon Country Club is a private club. Admission is subject to application and approval.

For more information about membership, please contact:
Cindy Hurrle, Membership & Marketing Director