Get Personalized Listings
Answer a few quick questions about your dream home and one of our agents will reach out to you with custom listing results!
How To Buy
1. Set Your Budget
Get pre-approved for a mortgage and define your price range.
2. Choose Your Location
Decide on your preferred town and visit neighborhoods to evaluate amenities.
3. Inspect & Evaluate
Hire a professional inspector and compare similar properties for value.
4. Work With a Local Agent
Partner with a knowledgeable real estate agent to guide you through the process.
Find Your Neighborhood
Can’t decide where to move? Tell us about your lifestyle and we’ll find the perfect neighborhood for you!
Home Financing
1. Check Your Credit Score
Lenders use your credit score to determine your loan eligibility and interest rates.
2. Gather Income Documents
You’ll need to provide pay stubs, tax returns, and bank statements to verify your financial stability.
3. Understand Loan Types
Learn the differences between conventional, FHA, VA, and USDA loans to find the right fit.
4. Meet Down Payment Requirements
Most loans require a down payment—typically between 3% and 20% of the home’s price.
Frequently Asked Questions
FAQs About Buying a Home:
The first step in buying a home is getting pre-approved for a mortgage. This helps you understand how much you can afford and strengthens your position when making an offer. Once you’re pre-approved, you can start browsing homes that fit your budget and needs.
The amount you need for a down payment depends on the loan type and your financial situation. A traditional down payment is 20% of the home’s price to avoid private mortgage insurance (PMI). However, many buyers opt for down payments as low as 3.5% with an FHA loan or even 0% with a VA or USDA loan. Consult with a lender to explore your options.
Closing costs are fees associated with finalizing the sale of a home. They typically range from 2% to 5% of the home’s purchase price. Common closing costs include loan origination fees, title insurance, appraisal fees, and property taxes. Be sure to budget for these costs in addition to your down payment.
The home buying process can take anywhere from 30 to 60 days on average from the time your offer is accepted to the day you close. However, the timeline can vary depending on factors such as your financing, inspections, and negotiations. Working with an experienced agent can help expedite the process.
When buying a home, consider your budget, location, size, and amenities. Think about your long-term needs, such as the number of bedrooms, proximity to work or schools, and whether the home requires any immediate repairs. Your agent can help you prioritize your must-haves and find homes that meet your criteria.
FAQs About Working With Our Agency:
Working with our experienced real estate agents can save you time, stress, and money. We have in-depth knowledge of the Southwest Virginia and Southern West Virginia market, access to off-market listings, and the ability to negotiate on your behalf. Our goal is to help you find the perfect home at the best price, while also guiding you through every step of the process.
Our agents specialize in the local market, including neighborhoods, schools, and amenities. We’ll help you identify homes that match your lifestyle and budget, whether you’re looking for a small cottage or a family home. Plus, we can provide you with detailed neighborhood overviews and insights into the area to help you make an informed decision.
While we don’t provide direct financing, we’ll connect you with trusted local lenders who can help you understand your mortgage options, including first-time homebuyer programs, VA loans, and USDA loans. We can also provide general guidance on down payments and interest rates to help you prepare for financing.
Yes! By filling out our Personalized Listings Form, we can curate a list of homes tailored specifically to your needs, preferences, and budget. We take the time to understand what you’re looking for, so you get a handpicked list of properties that match your vision.
Scheduling a tour or consultation is easy! Simply reach out to us through our website or give us a call. We’ll set up a time that works best for you and help you explore homes that match your criteria. We’re happy to answer any questions you have before, during, or after the tour.
