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Kathleen Kellett








Inspired Real Estate Advice 540-241-0065.

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"VERY PROFESSIONAL AND READY TO BE OF ASSISTANCE WITHIN A FEW HOURS"
Gene and Sandy Trantham, Stuarts Draft, VA
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First Time Home Buyers
Welcome > For Buyers > First Time Homebuyers ...


You might be a bit afraid or intimidated by the whole process of buying your first home.

I would be happy to take the time to go through each and every step of the buying process. There are no dumb questions!


Together, we can 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?

There is absolutely no charge, and I offer this to you with no strings attached.

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School Reports in Waynesboro, Staunton and Charlottesville, Virginia
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Real Estate Tips
Closing or Settlement >The Settlement

The final stage of a home sale transaction is the time to tie up all the loose ends. The buyer and seller will sign the settlement sheet at the closing, detailing all of the charges that each party has incurred during the sale of the house. It is crucial to go over the sheet for accuracy and to make sure that you understand everything on it before you complete the transaction.

When a contract is negotiated, each side agrees how to divide the loan fees (or points), as well as the other closing charges, such as state or local taxes or escrow fees. Your real estate agent can go over the settlement sheet and help you compare it with your purchase agreement. The seller's charges usually include the brokerage fee, the mortgage payoff, and any charges involved in clearing the title, as well as pro-rated property taxes, payments for termite treatment and escrow for repairs that could not be completed by closing. The buyer's costs include charges for the loan and title searches, insurance and any other legal fees. A good closing officer will go over the settlement sheet line by line, explaining each item and correcting any misplaced charges.

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Real Estate Trivia
Q 
Who is considered the world's most renowned living architect?

A 
I.M. Pei who retired in 1991; he earned this status after designing the glass pyramid entrance pavilion to the Louvre in Paris (1989).
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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(tm)

Kathleen Kellett
Real Estate III

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


Real Estate III - The Best. One Home at a Time

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