Listing Details: Waynesboro, Staunton and Charlottesville, Virginia Real Estate Listings & Homes For Sale Provided by Kathleen Kellett

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Sold - Quality New Construction

$189,900 SOLD!

Photo of 408 Alphin Avenue, Waynesboro, VA, 22980.

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Address: 408 Alphin Avenue	City/ST: Waynesboro, VA	Zip Code: 22980
Location: Waynesboro, VA	Property Type: Single Family Home	New or Resale: New
Square Footage: 1261	Bedrooms: 3	Bathrooms: 2
MLS# 55831

Quality new construction to be built in time to take advantage of the $8,000 tax credit (proposed for end of March.) Upgrades include granite countertops, hardwood floors, ceramic tile and stainless steel appliances. Vaulted ceiling in the family room and open floor plan make the living area feel larger than it is. Tray ceiling in the spacious master bedroom. Enjoy the convenient location and surrounding well established neighborhood. This home should not last long! Built Similar To Photo

Last Updated: 5/3/2010 2:14:07 PM

Listing Agent and Office: Kathleen Kellett, Better Homes and Gardens Real Estate

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Living Room
Bath with Ceramic Tile

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Fishersville Real Estate

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First Time Buyers >The Down Payment

Perhaps no single decision in a real estate purchase has more variables than "How much money do I put down?" Conventional wisdom centers around either putting down as much as you can or as little as the lender allows.

If you put down a large payment, you get some leverage with the lender, such as little or no mortgage insurance, a good equity position, and perhaps a preferred mortgage deal. You will also have lower mortgage payments. One potential disadvantage of a large down payment is that you will be using after-tax dollars on which you could be earning interest. You will also have less tax-deductible interest.

When you buy a home with a low down payment, you will have more tax deductible interest, and your investment value percentage will increase faster. You will have little equity at the outset, and your monthly mortgage payments (and perhaps your interest) will be higher. However, you will also keep more of your own money in hand to potentially earn more interest in other investments.

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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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Kathleen Kellett, REALTOR�, real estate agent and broker for Waynesboro, Staunton and Charlottesville, Virginia home listings, property and land for sale - NUMBER1EXPERT

Kathleen Kellett
Real Estate III
17 Parkway Lane
Fishersville, VA 22939
Phone: 540-241-0065
Fax: 540-886-5248
kathleenkellett@NUMBER1EXPERT.com

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