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Thinking about Buying?  

Perhaps you are a first time buyer.  

I can help you get started.  Here are some tips:

Tip 1:  Check your credit score.  Credit reports are kept by the three major credit agencies:  Experian, Equifax, and TransUnion.  They show whether you are habitually late with payments and whether you have run into serious credit problems in the past.  Errors are common so check it out and ensure yours is accurate.

Tip 2:  Check your budget.  Know how much house you can afford.  Dont forget to consider taxes, insurance, HOA fees, and perhaps PMI.  Use one of those online calculators.  But for a more accurate estimate, contact a lender and have them run the numbers for you.

Tip 3:  Check your available cash.  You will need cash for a down payment plus cash for closing costs, appraisal fee, and a home inspection (recommended).  You can put down more then is what required, but if you dont have enough you will need to find a mortgage program that can accommodate you.  Some government mortgage programs require a minimal down payment and are perfect for first time buyers. 

Closing costs include loan fees, appraisal fees, attorney fees, courier fees, and hazard (fire) policy costs just to name a few.

Did you know that you can use up to $10,000 from an IRA to help purchase a home (taxes apply), or a cash gift from your parents?

Tip 4:  Find a good agent (cough cough....804-439-0880 and ask for Diane) to represent your best interests.

Exceeding Your Expectations!  That's my goal in every transaction!  For information on available homes for sale, or to sell your home in Richmond, Henrico, Hanover, New Kent or Chesterfield County, contact the Chickahominy Top Producer:  Diane Trittipoe at Long & Foster!

Email me:  DianeSells@LongAndFoster.com

View DIANE TRITTIPOE's profile on LinkedIn

All first mortgage products are provided by Prosperity Home Mortgage. Prosperity Home Mortgage may not be available in your area. Licensed by the NJ Department of Banking and Insurance. 4440 Brookfield Corporate Dr., Chantilly, VA, (703) 222-1800. ©2012 Prosperity Home Mortgage. All Rights Reserved. NMLSR ID #70353.

The data relating to real estate on this website comes in part from the Broker Reciprocity/IDX (Internet Data Exchange) Program of the New River Valley Multiple Listing Service, Inc. Real estate listings held by brokerage firms other than Long & Foster Real Estate, Inc. are marked with the Broker Reciprocity logo (IDX) and detailed information about them includes the name of the listing broker.

IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.

All information is deemed reliable but not guaranteed, and should be independently verified.

Listing data provided by Metropolitan Regional Information as of Sunday, September 24, 2017.

Although the Multiple Listing Service of The Roanoke Valley is the single source for these listings, listing data appearing on this website does not necessarily reflect the entirety of all available listings withing the Multiple Listing Service. All lisiting data is refreshed daily, but its accuracy is subject to market changes.

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