Debbie Fleming, CRS, ABR *2009 Top Selling Agent* with Old Dominion Realty: For First Time Home Buyers

Together, we will consider:
- How much can you really afford?
- How to qualify for a mortgage.
- How much cash you should put 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.

Automatically receive personalized listings by e-mail. I will email you homes that match your criteria and notify you immediately with the latest listing information!! Simply choose HomeFinder and fill in the requested information. There is absolutely no charge, and I offer this to you with no strings attached.

$8,000 TAX CREDIT INFORMATION

FREE FIRST TIME HOME BUYERS SEMINAR

Home Buying Tips and Information

As a real estate consultant, I can help you find the right home, negotiate the price and represent your interests. Here are 4 steps to follow when buying a home. Feel free to contact me if you need any help, guidance or advice.

1 Get Pre-Approved for a loan. You need to be pre-approved for a mortgage to make a serious offer on a home. Plus, pre-approval will help you know how much you can afford before you start house hunting. If you don't have a lender, contact me for a referral to several trusted mortgage lenders who can help.

2. Search for a Home: Use this free, easy tool to search the MLS for homes for sale. Search by criteria including price range, amenities, zip code, etc. Choose HomeFinder to set up email alerts that notify you when new listings hit the market. Or if you'd like, contact me to put my home buying expertise to work for you.

3. Make an Offer to Buy A Home: Making the right offer is key. I'll help you determine the right price to offer by looking at recent comparable home sales, analyzing list price to sales price ratios, examining the market and more. Most importantly, I will negotiate the terms of sale and represent your interests.

4. Contact Me About Buying A Home. I’ll help guide you through the complete home buying process - providing advice along the way - helping you to determine the best price to offer, negotiating the sales contract and overseeing all the details. Having me represent you doesn’t cost you a penny. Let me put my negotiating skills to work for you. Contact me.

MORTGAGE CALCULATOR

Disclaimer: All information deemed reliable but not guaranteed. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) or information provider(s) shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless. Listing(s) information is provided 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. Information on this site was last updated 09/08/2010. The listing information on this page last changed on 09/08/2010. The data relating to real estate for sale on this website comes in part from the Internet Data Exchange program of MRIS MLS (last updated Wed 09/08/2010 5:52:37 AM EST) or Staunton MLS (last updated Tue 09/07/2010 1:42:52 PM EST) or HRAR MLS (last updated Wed 09/08/2010 4:50:14 AM EST). Real estate listings held by brokerage firms other than Old Dominion Realty may be marked with the Internet Data Exchange logo and detailed information about those properties will include the name of the listing broker(s) when required by the MLS. All rights reserved. --
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