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chester va: CENTRAL VIRGINIA RENTERS: THINK YOU CAN'T OWN YOUR OWN HOME? THINK AGAIN! - 07/13/07 11:06 AM
Are you paying rent and don't think you can afford to own your own home? Chances are , that if you are able to pay rent you can own a home. When you pay rent, you are taking the money you worked so hard for and just handing it over to the Landlord and paying his mortgage for him. Not to mention placing some of that money in his pocket! When you own your home you are investing that money in your homes equity, which over time increases. You will eventually reap that equity once you sell the home or refinance it. Think of homeownership as a GIANT PIGGY BANK! So, … (4 comments)
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chester va: THE HISTORY BEHIND THE CHESTERFIELD COUNTY VIRGINIA COUNTY SEAL - 06/27/07 09:40 PM
Chesterfield County's Seal
Although English colonists began moving into the area within four years of Jamestown's founding in 1607, Chesterfield was not created as a political unit until 1749. Formed from the southern half of Henrico County, one of Virginia's several original shires, the new county took the name of the celebrated literateur and politician Philip Dormer Stanhope, Fourth Earl of Chesterfield.
In 1870, the first action of the first Chesterfield County Board of Supervisors was to direct a seal to be created, "to wit: a coal miner leaning on his pick under a pine tree … (0 comments)
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chester va: WANT TO MAKE EXTRA CASH ? - 05/18/07 10:50 PM
Tips for Holding a Yard Sale
Hold a yard sale to reduce the clutter in your home and get rid of items you don't want to move.
•1. Check with your city government to see if you need a permit or license.
•2. See if neighbors want to participate and have a "block" sale to attract more visitors.
•3. Advertise. Put an ad in free classified papers, and put up signs and balloons at major intersections and in stores near your home.
•4. Price items ahead and attach prices with removable stickers. Remember, yard … (3 comments)
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chester va: 7 REASONS TO OWN YOUR OWN HOME - 05/08/07 09:29 AM
7 Reasons to Own Your Own Home
Tax breaks. The U.S. Tax Code lets you deduct the interest you pay on your mortgage, property taxes you pay, and some of the costs involved in buying your home.
Gains. Between 1998 and 2002, national home prices increased at an average of 5.4 percent annually. And while there's no guarantee of appreciation, a 2001 study by the NATIONAL ASSOCIATION OF REALTORSÒ found that a typical homeowner has approximately $50,000 of unrealized gain in a home.
Equity. Money paid for rent is money that you'll never see again, but mortgage payments let you build equity ownership interest … (0 comments)
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chester va: 10 STEPS TO PREPARE FOR HOMEOWNERSHIP - 05/08/07 09:14 AM
10 Steps to Prepare for Homeownership
1. Decide how much home you can afford. Generally, you can afford a home equal in value to between two and three times your gross income.
2. Develop a wish list of what you'd like your home to have. Then prioritize the features on your list.
3. Select three or four neighborhoods you'd like to live in. Consider items such as schools, recreational facilities, area expansion plans, and safety.
4. Determine if you have enough saved to cover your downpayment and closing costs. Closing costs, including taxes, attorney's fee, and transfer fees average between 2 percent and 7 … (0 comments)
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chester va: 5 REASONS YOU NEED A REAL ESTATE AGENT - 05/08/07 09:03 AM
5 Reasons You Need a REAL ESTATE AGENT
A real estate transaction is complicated. In most cases, buying or selling a home requires disclosure forms, inspection reports, mortgage documents, insurance policies, deeds, and multi-page government-mandated settlement statements. A knowledgeable guide through this complexity can help you avoid delays or costly mistakes.
Selling or buying a home is time consuming. Even in a strong market, homes in our area stay on the market for an average of 60 days. And it usually takes another 60 days or so for the transaction to close after an offer is accepted.
Real estate has its own language. If … (0 comments)
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chester va: WHY DO YOU NEED A BUYER'S AGENT ? - 05/06/07 10:27 PM
"WHAT CAN A SELLER 'S AGENT DO TO HELP ME BUY ?"
Without a buyer's agent, you're really on your own. Keep in mind, the seller's agent is actually working for the seller and is the seller's legal representative. Yes, a seller's agent can offer buyers some services, including a diligent search to find the right home, an explanation of available financing, calculation of monthly payments, estimate of settlement costs and presentation of your offer to buy.
What a seller' s agent can't do is disclose information not in the best interst of the seller such as an opinion of the home' s … (0 comments)
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Edith Wharton, Chesterfield VA Realtor
Midlothian,
VA
More about me…
Cottage and Loft Realty
Address: 5006-B Monument Ave., Richmond, VA, 23230
Office Phone: (804) 340-0280
Cell Phone: (804) 247-5980
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