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Willie Roberts is one of The Top Selling Real Estate Experts™
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First Time Homebuyers: Staunton and Waynesboro Virginia home buying, real estate listings, and homes for sale in Waynesboro 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 Staunton and Waynesboro 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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	About Your Move
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Financing Your Home >The Language of Financing

When you meet with a lender to apply for financing, you may feel as if you are in a foreign country when the loan officer begins to talk about points, Regulation Z margins, PMI, and ARMs.

You are not alone if you feel left behind by loan terminology. Like many professionals, lenders use a highly specialized language. Don't hesitate to ask for a translation! This is especially true if you are investigating some of the more complicated loans with rates that can be adjusted periodically. As you consider the various loan options, find out what the interest rate will be and at what point the lender will commit to that rate. If the loan has an adjustable rate, be sure that you understand how often the rate will adjust, and by how much your payments may go up. Find out if the loan can be assumed by a future buyer. The lender isn't trying to confuse you. The mortgage process is complicated, so just keep asking questions until you understand.

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Q	What are considered the ideal conditions for a buyer's market?
A	In a buyer's market, there are more houses for sale than buyers, homes take longer to sell, and sellers may have to cut prices.
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Willie Roberts, REALTORŽ, real estate agent and broker for Staunton and Waynesboro Virginia home listings, property and land for sale - NUMBER1EXPERT(tm)

Willie Roberts - Associate Broker
Real Estate III
17 Parkway Lane
Fisherville, VA 22930
Direct Line: 540-213-4613
Toll Free: 1-800-327-3433
Cell: 540-241-1919
Fax: 540-886-5248
Email: WillieRoberts@NUMBER1EXPERT.com
I have had the pleasure of being a full time Real Estate professional as a Realtor and Associate Broker with over 15 years experience with residential and investment properties here in the beautiful Shenandoah Valley. I serve the areas of Waynesboro, Staunton, Stuarts Draft, Fishersville and all of Augusta County. I love this entire area and it is my mission to link you together with your perfect home or property. For those of you who need help selling your home, I have many, many buyers looking - and maybe your house will be perfect for them! I help my clients with my vast knowledge of the local market, advanced real estate education and a genuine desire to make your move as smooth and enjoyable as possible. With over 15 years of success and a member of an aggressive, dynamic sales team, a few of my Real Estate accomplishments include "The Code of Ethics Award", "Million Dollar Producer Award", "Circle of Excellence for Outstanding Production", "The Service Award" and a Graduate of Realtors Institute. Having these accredited accomplishments enables me to have tremendous amounts of energy and dedication to "go the extra mile" providing my clients with only the highest quality of service. I pride myself on the fact that many of my clients end up becoming close friends! I invite you to visit my web site, get to know me, check out our area, then give me a call or drop me an email. I look forward to seeing how we can work together.

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