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First Time Homebuyers: Fredericksburg, Stafford, Spotsylvania and Prince William Virginia home buying, real estate listings, and homes for sale in Fredericksburg County, VA

Welcome > For Buyers > First Time Homebuyers ...

Buying Your First Home? REALTORSŽ Are Your Professional Guides. Make Sure You Choose Top Experts.

You might be a bit afraid or intimidated by the whole process of buying your first home. As top Fredericksburg, Stafford, Spotsylvania and Prince William real estate experts, it's our job to guide you, from beginning to end.

We will take the time to go through each and every step of the buying process. There are no dumb questions!

Together, we will 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?

Tell us a bit about your situation below. We'll get right back to you. There is absolutely no charge, and we offer this to you with no strings attached.

New to the home buying process? Tell us your concerns. Ask us questions. It's our job to help! There's no obligation, and we promise to get back to you quickly...

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About Appraisals >Working With Appraisers

After the buyer and seller come to a "meeting of the minds" on the price of a house, there is one more person who must be convinced that the house is worth the selling price--the mortgage company's appraiser.

The appraiser looks for three similar houses that have sold in the same area within the last several months, and compares the selling prices of these homes with the one that is now on the market. The appraiser makes adjustments to account for the differences in each property, and averages the adjusted prices of the other three homes to arrive at a final opinion of value. In subdivisions or condominium projects where there are many similar properties and numerous recent sales, the appraiser's job is relatively easy. In neighborhoods of older homes that have been renovated or remodeled over the years, it can be like comparing apples and oranges.

If the appraiser's evaluation is lower than the selling price, it can stall the transaction because the lender may decline the buyer's loan because of the discrepancy. A real estate agent can work to minimize potential delays associated with the appraisal process by helping the seller to price the home as close to fair market value as possible.

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Q	What trendy and highly unusual hotel must be totally rebuilt every year?
A	Sweden's popular Ice Hotel, which has 60 double rooms, 25 suites and an interior temperature of 20 degrees, starts melting to the ground in May and is rebuilt every winter.
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The Davis Team, REALTORŽ, real estate agents and broker for Fredericksburg, Stafford, Spotsylvania and Prince William Virginia home listings, property and land for sale - NUMBER1EXPERT(tm)

Davis Team Realty
RE/MAX Allegiance
1671 Jefferson Davis Hwy.
Su. 204
Fredericksburg, VA. 22401
Phone: 540-891-8009
Toll Free: 800-729-3013 Ext. 109
Fax: 866-285-6998
Prince William Office: 703-652-4317
Email: info@davisteamrealty.com
The Davis Team is committed to exceeding our clients expectations during the home buying or home selling process by providing outstanding customer service and unparalleled support. We have the experience and real estate expertise to guide you through the process of buying or selling a home successfully and stress free. Our clients are the #1 priority in our business.

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NUMBER1EXPERTS™ in real estate for Fredericksburg, Stafford, Spotsylvania and Prince William, Virginia

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