Waynesboro, Staunton and Charlottesville real estate and homes for sale in Virginia - Kathleen Kellett, REALTOR® REALTOR® Logo - NUMBER1EXPERT™ NUMBER1EXPERT™ Logo
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Kathleen Kellett






Inspired Real Estate Advice 540-241-0065.

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"WHERE OTHERS FELL SHORT, SHE FAR EXCEEDED OUR EXPECTATIONS OF A REALTOR."
Shauna Dixon & Kara Porter, Waynesboro, VA
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As soon as I list another home for sale, I'll email you. You'll know first.
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Pre-Qualify For Your Mortgage
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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School Reports in Waynesboro, Staunton and Charlottesville, Virginia
"A model of how the Internet can facilitate the process of deciding where to send your children to school"
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Virginia Public, Private and Charter Schools: Compare them using these top-rated, comprehensive reports.
  Schools in Waynesboro, Staunton and Charlottesville 



Real Estate Tips
Financing Your Home >Financial Help

Escalating home prices often cause many first-time buyers to seek help from their families for the down payment on a new home. If your parents are providing financial assistance for the purchase of a home, it is important that you have very clear agreements with them about the conditions under which their help will be provided.

Sit down with your parents to discuss the details of the arrangement. Is the money they are providing a gift or a loan? If it is a gift, be sure to check with your tax expert to minimize the tax implications. If your parents are loaning the money for the down payment, how will it be paid back? Will there be joint ownership with an equity-sharing agreement? Will your parents be named on the ownership papers with you? Are special documents needed?

Whatever form it takes, parents who help their children buy a home give them an incredible gift!

See All Tips In The "Financing Your Home" Category >
See Complete Library Of Hundreds Of Tips In 30+ Categories >

Real Estate Trivia
Q 
What is the maximum interest you can deduct on your federal tax return to purchase or improve a first or second home?

A 
One of the greatest benefits of home ownership is the federal tax deduction for interest up to, but not exceeding, $1million.
See More Real Estate Trivia >


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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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