buyers: Warning for Buyers - 07/30/15 12:58 AM

Now that the photo has your attention lets get serious.
As you begin to look for your new home, you may be tempted to get a head start on furnishing it.  DON'T DO IT!!!!!
Making a large credit purchase before closing on your loan could be disastrous.  Purchases made on credit, even with "no payments or interest for one year" will affect your credit score and debt to income ratio (this determines how much your lender feels you can afford).  It is even possible to drop your score and ratios enough to be denied your loan.
Additionally, most lenders are required to track or … (2 comments)

buyers: Home Buyers Lesson #1 - 05/14/15 10:58 AM

If you are thinking about purchasing a home this series of short lessons will provide you with some important advice. Don’t make the mistake of starting the process without taking the time to prepare. It will make your task much easier.
One of your first steps should be to run a Credit Report on yourself to be certain that there are no problems in your credit history. There are web sites available to obtain a free credit report, and they are easily found on the internet.
Next do an analysis of your current financial situation. In other words where is your money coming … (0 comments)

buyers: What Do Home Buyers and Sellers Want? - 09/07/10 03:03 AM
A few years ago I ask this questions, and I am still asking it today.  I am really serious about this, and would like to open a dialog asking anyone that is thinking about purchasing or selling a home or has bought or sold a home in the past to respond.  It doesn't matter if you live in Virginia or another part of the country the questions could most likely be appied in all areas of the country.
 
This would be a great forum to address any concerns or questions that you may have.  Maybe you have a questions that you … (4 comments)

buyers: Home Buyers Seminar - Lesson 7 - types of Homes Continued. - 10/26/07 05:08 AM
Home Buyers Seminar - Lesson 7 - Types of Homes Continued
In this lesson we will discuss Condominiums.  I guess the easiest way to understand the concept of condominium ownership is to visualize it as an apartment that you are not paying rent on, but you own it.  In the Charlottesville, Virginia area there has been a surge where developers have converted apartments complexes to condominiums.
With a condominium your ownership extends inward from your interior wall, ceilings and floors.  In additions you are also co-owners in the exterior structure as well as any amenities and common areas for example; parking lot, hallways, … (0 comments)

buyers: Five Reasons to Be a First Time Buyer in the Charlottesville, Virginia Area. - 10/26/07 04:26 AM
I usually do not cut and paste information for my Blog.  However, this came out recently from the CEO of our association.  I called and ask permission to use this just as it is.  There is also a link to the news story that was aired recently on one of our local news channel.  I feel this puts a better light on our local market.
There are probably other stories outside of the Charlottesville, Virginia area that maybe you would like to share.
Five Reasons to Be a First Time Buyer
By Dave Phillips - CEO - Charlottesville Area Association of Realtors®
If you are … (0 comments)

buyers: Home Buyers Seminar Lesson 6 - Types of Homes Continued - 10/24/07 05:43 AM
Home Buyers Seminar Lesson 6 - Types of Homes - Continued
Next on the list of types of homes are townhouses.
Town houses often make an excellent "middle ground" between a detached single family property and a condominium (to be discussed in the next lesson) because they may offer attributes of both.
The basic description of a townhouse is a home that is attached to one or more other houses.  However, it does sit on a parcel of land that you also own.  Townhouses can range from a unit that only shares a common wall with one other property or duplex to triplexes all … (0 comments)

buyers: Home Buyers Seminar - Lesson 5 - 10/15/07 05:50 AM
Home Buyers Seminar Lesson 5 - Types of Homes
What type of home are you going to be looking for?  In this session we will be looking at a few different types.
Single Family Homes - These are homes that stand alone & have a yard around them.
Townhouses - These are attached homes that share a common wall with one or more other unit & may or may not have a yard.
Condominiums - This term does not necessarily describe a property type.  It could be an apartment style, town home, or a high rise.  It has more to do with what you own … (0 comments)

buyers: Home Buyers Seminar - Lesson 4 Your Budget - 10/09/07 07:24 AM
Home Buyers Seminar - Lesson 4 - Your Budget
I know most of us hate to even think about a budget well maybe that is a little strong we think about it but never do anything about it.
If you don't have a budget you will never get a good grasp of what you could be saving.  Not knowing where the money you earn is going can make the "American Dream" of owning a home seem impossible.  So get with it.  Set your priorities and go for it.  Do you want that home or not.  You decide.  Hopefully some of this information will … (2 comments)

buyers: Home Buyers Seminar - Lesson #3 - 10/08/07 06:20 AM

 
Home Buyers Seminar - Lesson #3 Money Saving Tips cont.
We have already taken a general look and mentioned some of the big ones, but in this lesson we are going to recommend that you take a close look at a few specific items.  These are perhaps smaller items that will add up over the months.
FOOD - Let's face it this is something that we just can't do without.  We can spend a few dollars on this item every day or large chunks 2 or 3 times a month.  So even cutting back just $20 a week on your purchases can add … (2 comments)

buyers: Home Buyers Seminar - Lesson 1 - 10/05/07 12:46 AM
If you are thinking about purchasing a home this series of short lessons will provide you with some important advice.  Don't make the mistake of starting the process without taking the time to prepare.  It will make your task much easier.
One of your first steps should be to run a Credit Report on yourself to be certain that there are no problems in your credit history.  There are web sites available to obtain a free credit report, and they are easily found on the internet.
Next do an analysis of your current financial situation.  In other words where is your money coming … (4 comments)

buyers: What Do Home Buyers and Sellers Want????? - 09/06/07 07:05 AM
I am really serious about this questions, and would like to open a dialog asking anyone that is thinking about purchasing or selling a home or has bought or sold a home in the past to respond.  It doen't matter where you live the questions could most likely be appied in all areas of the country.
This would be a great forum to address any concerns or questions that you may have.  Maybe you have a questions that you have not found the answer for yet.  As a member of the Real Estate Community we would really like to know what answers you … (0 comments)

 
Dave Shockley, Putting my clients needs first Roy Wheeler Realty (Independent Contractor)

Dave Shockley

Putting my clients needs first Roy Wheeler Realty

Waynesboro, VA

More about me…

Independent Contractor

Address: Waynesboro, VA, 22980

Mobile: 540-290-3200

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I specialize in all Charlottesville and Central Virginia Real Estate, particularly Charlottesville & surrounding counties, & Wintergreen Resort Properties. Get great free widgets at Widgetbox!


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