Like myself and so many others, you have decided you want your next home to be in a location presented above or one of the surrounding areas. Now you just need to decide who you will entrust to help you find that home.
Every home buyer approaches their search with specific needs in mind.Many are retirees, some are relocating to the Shenandoah Valley and Augusta County areas, and others are natives who are choosing to either reduce or increase the size of their primary residence.What each person seeks in a home varies based on needs, wants and desires.Some seek low maintenance living like a townhome or a condo.Others are seeking a project to keep them busy.Regardless or your unique situation, my desire is to be your home match-maker!
I can assure you that there is a home waiting for you and I can help you find it. I care about what I do and I am the professional for you!
This site is filled with ways that you may contact me , I am a professional real estate agent who genuinely cares about the people I represent. I offer services on this website without obligation or expectation of compensation.I offer this because I want to become your Realtor for life. As your trusted, caring, professional, I will help you find the best home for you and your family in your desired Virginia area within your price range.If you have a home to sell, I will work to sell it as quickly as possible for as much as the market will bare.
Buying and selling your home is one of the biggest events in your life. As a caring and established real estate professional in the Shenandoah Valley, Augusta County and Charlottesville areas, I look forward to making your next transition a positive experience with a happy ending for all. Join my family of clients today! (see my clients testimonials)
Here is a tip for those who are shopping for Adjustable Rate Mortgages (ARMs): the "margin" is almost as important as the initial rate. The margin is the percentage point above the average yields for Treasury notes on which future rate adjustments will be calculated.
Let's compare two hypothetical one-year ARMs. The first may have an initial interest rate of 7% with a 2.5 margin, while the second begins at 6 7/8% with a 2.75 margin. Both loans have rate caps of 2%. Suppose that at the end of the first year of the loan, the average of the one-year Treasury note yield has been 5 1/2%. For each loan, the lenders will add the margin to that 5 1/2% average yield. Thus the interest rate for first loan would increase from 7% to 8%, and the second would go from 6 7/8% to 8 1/4%. While the first ARM had a slightly higher initial rate, it will have lower rates in subsequent years, unless the Treasury note rates increase enough to activate the annual caps on the amount of the increase. There is a wide variance among margins in ARMs offered by competing lenders, and this should be a factor when you decide on your loan.
Kathleen Kellett Better Homes and Gardens Real Estate III 17 Parkway Lane, Suite 200 Fishersville, VA 22939 Phone: 540-241-0065 Fax: 540-451-2224 firstname.lastname@example.org
I am a professional real estate agent who genuinely cares about the people I represent. I offer services on this website without obligation or expectation of compensation. I offer this because I want to become your Realtor for life. As your trusted, caring, professional, I will help you find the best home for you and your family in your desired Augusta County or Shenandoah Valley Virginia area within your price range. If you have a home to sell, I will work to sell it as quickly as possible for as much as the market will bare.
is brought to you by Kathleen Kellett, real estate for
Waynesboro, Staunton, Charlottesville and Augusta County, Virginia