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I add my newest homes and other real estate listings to this web site first. It can be some time before they appear in the MLS.
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Our first home!
Bucky and Charity built our first home and made the entire process so simple!
Drew & Carrie Covey
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Compare three mortgages at one time. Download TripleCalc now. It's free.

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Don't Forget To Request A Quick Status Report On Any Homes Or Properties That Interest You!

It can take days, weeks, or longer for changes to appear on web sites. Don't waste your time with less than current information. Request my free Status Report and find out if the homes you are interested in are still on the market, under contract, in escrow, or if the price has been reduced.

The Status Report that you'll receive by email will also include other important information that has been left out or that is available to me through my professional resources, such as how long the property has been on the market, when it was last sold, what it sold for, and more.

Remember: As a Staunton, Waynesboro and Augusta area real estate agent, it's my job to know more about a property than any web site. Make sure you have the most current information!

Financing Your Home >Who Pays the Points

When home buyers shop for financing, they must consider two important factors--the interest rate and the points. Each point is equal to one percent of the mortgage amount. If you are selling a home, the buyers may ask you to share the points with them.

The buyer usually pays the points. But if the offer is attractive and will give you the amount you want, paying one or more points might be a good idea. When a contract is presented, your real estate agent will go over the price and terms to help you calculate the net price you will receive. If the offer isn't strong enough or has risky contingencies, you might make a counter offer to increase your profit on the sale by eliminating the points from your selling costs or by increasing the price to help you absorb additional costs you will pay.

In some cases, buyers with limited cash may need some assistance from the sellers to make the transaction work. Your real estate agent will help you look at the total picture and the buyer's overall qualifications, so that you can make a decision based on the bottom line.

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Q	What does the abbreviation PITI stand for?
A	Principal, Interest, Taxes and Insurance are the four major items included in a monthly mortgage payment.
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Charity, REALTOR®, real estate agent and broker for Staunton, Waynesboro and Augusta, Virginia home listings, property and land for sale - NUMBER1EXPERT

Charity
Better Homes and Gardens Real Estate
17 Park Way Lane
Fishersville, VA 22939
540-294-5682
Fax: 540-886-5248
charitycox@NUMBER1EXPERT.com

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