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First Time Homebuyers: Charlottesville Virginia home buying, real estate listings, and homes for sale in Albermarle County, VA

Welcome > For Buyers > First Time Homebuyers ...

Buying Your First Home? Realtors Are Your Professional Guides. Make Sure You Choose a Top Expert.

You might be a bit afraid or intimidated by the whole process of buying your first home. As a top Charlottesville real estate expert, it's my job to guide you, from beginning to end.

I will take the time to go through each and every step of the buying process. There are no dumb questions!

Together, we will consider:

- How much can you really afford?

- How to qualify for a mortgage.

- How much cash you should put down.

- How to buy a home with little or nothing down.

- What it takes to get approved for financing. What banks and other financial institutions are looking for.

- How much your payments will be.

- The tax advantages of buying.

- Is renting or buying better for you?

Tell me a bit about your situation below. I'll get right back to you. There is absolutely no charge, and I offer this to you with no strings attached. Please fill out the form below...

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Financing Your Home >Mortgage Fears

It is not unusual for home buyers to feel that the lender is being very critical during the loan approval process. The buyer is required to provide all kinds of financial information, and then the lender asks for more. If this is your experience, and the process seems discouraging, remember that none of this is personal!

Some lenders have more stringent requirements than others, but every lender requires a substantial amount of documentation on a mortgage loan. They must verify employment, credit history, and recent financial transactions involving your liquid assets. If your Visa payment was late, they may ask for a letter explaining why. If you are self-employed, they will ask for tax returns from at least three years and probably a year-to-date profit and loss statement.

Government regulations require mortgage companies to document everything. And while the loan officer may know that you are a reliable risk, the underwriters must be able to defend the loan to a federal bank examiner or auditor.

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Q	What real estate board game became the best-selling game in America just one year after it was created?
A	Charles B. Darrow invented Monopoly in 1934, to cheer himself up while unemployed during the Great Depression. Monopoly is now the most popular board game in the world and has sold over 200 million copies.
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Angie Holly Decker, REALTORŽ, real estate agent and broker for Charlottesville Virginia home listings, property and land for sale - NUMBER1EXPERT(tm)

Angie Holly Decker
Real Estate III
1318 Piper Way
Keswick, VA. 22947
434 977-8865
800 776-5111
434 295-3351
Fax: 434 977-8940
Email: AHollyDecker@number1expert.com
Charlottesville, Virginia is said to be one of the best places in America to live! I couldnt agree more, as Ive spent twenty two delightful years here in this wonderful city. I am originally from Charleston, SC and can appreciate the pleasure of Charlottesvilles four distinct seasons and very temperate climate. I am married to musician Jeff Decker and have four grown children. Family has been paramount in my life and therefore I consider my children to be one of my greatest accomplishments. My degrees in both education and nursing have served me well as a wife, mother and real estate professional. As a full time associate with Real Estate III and top producer for the past seventeen years, serving my clients has been a very rewarding experience. I appreciate the challenges and concerns each individual client brings to the table and I assist them every step of the way in an effort to reach their goals.

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