Pre-Qualify For Your Mortgage in Waynesboro, Staunton and Charlottesville, Virginia

You'll be happy you made this call. 540-241-0065.

"I HAVE PURCHASED OVER 10 PROPERTIES, AND YOU HAVE BEEN THE MOST HELPFUL REALTOR WITH WHOM I WORKED."
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Welcome > For Buyers > Mortgage Prequalification ...

Don't Go Shopping for a New Home Before You Know Exactly How Much You Can Spend!

It's always best to pre-qualify for a mortgage so you know exactly how much a financial institution would be willing to lend you.

In the pre-qualification process, you will find out:

- Exactly how much home or land you can afford.

- How much cash you will need for the down payment.

- The minimum down payment, and advantages of higher down payments.

- What the bank feels you can afford for a monthly payment.

I help buyers pre-qualify for mortgages every day.
I know this is your personal information, and will not distribute it to anyone, other than to my preferred mortgage broker.
This service is provided free of charge, without any obligation on your part.
Once you fill out the form, I will quickly process your information and get right back to you!

-Kathleen

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Investment Real Estate >Planning for Repairs

If you are the owner of an investment property, you are responsible when something breaks down in the building. So when the tenants call with an emergency, you will need to have a list of local repair companies you can contact, and money in the bank to pay for their services.

One of the best ways to protect your property investment is to purchase a home warranty that covers your home against unexpected system breakdowns that can be costly, particularly if the heating or plumbing systems need repair. The yearly cost of a good home warranty is probably less than the cost of replacing a broken water heater. If your property is older, a home warranty will provide you with greater security and peace of mind.

Another way to plan for investment property repairs is by building up a monthly surplus account, where part of your positive cash flow can sit in preparation for the day some major repair is needed. Having a "rainy day" fund will relieve you of financial stress when something has to be fixed.

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Q	What 45,000 sq.ft. home on 5-acres on Lake Washington is described as an 'adventurous house' by its owner?
A	The home of Microsoft's Bill Gates ($40+ million) has a wall of 24 video monitors featuring art and film and a 60-foot pool.
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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

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