Wednesday, March 13, 2013

Scottsville Virginia Homes For Sale

Scottsville Virginia Homes For Sale

Your Best Resource For Searching For Homes In Scottsville Virginia!


Scottsville Virginia is located in Albemarle, Fluvanna and Buckingham counties. Scottsville has many historic attractions and fabulous local shopping and dining in the Town of Scottsville. 

Take a tour of my featured Scottsville Virginia home for sale below.


This Scottsville beauty is located on 6 1/2 acres of land offering complete privacy and tranquility. This impressive ranch home has been completely refurbished with the finest materials and attention to detail. Complementing this home are 9' ceilings throughout the open floor design, rich new bamboo flooring, elegant lighting, new fixtures and a brand new kitchen with stainless steel appliances, granite counter tops,ceramic tile back splash and a breakfast bar. The kitchen and breakfast nook flows right into the light filled family room with a gas fireplace and french doors leading to the rear deck. The owners suite features a walk-in closet and attached bathroom with new fixtures and vanity with granite top. 

To schedule a tour call, text or email me!
Sherry Hayward
Keller Williams Realty
(703) 655-2223
shayward@kw.com

The 10 Things To Do RIGHT AWAY!

10 Things You Should Know Before Buying a Home

1. Before you start looking for a home, get pre-qualified for a loan. Banks, credit unions, and mortgage bankers make home loans; mortgage brokers process loans through a variety of lenders. The lenders will take an application, process the loan documents, and see the loan through to the funding stage.
2. If you have marginal or bad credit, consult your lender. You may be able to qualify for a loan depending on how long ago and what reason(s) caused the bad credit.
3. You will need a down-payment. Down-payment requirements vary depending on the type of loan. Many down-payment assistance programs exist. These programs may loan or grant you the funds necessary for the down-payment. Consult with a lender about programs available in your area.
4. You will need funds for closing costs. Closing costs are charges for services related to the closing of your real estate transaction. They include, but are not limited to: Escrow fees, title policy issuance fees, mortgage insurance fees, fire, flood, and homeowners insurance, county recorder fees, & loan origination fees. Consult your lender for an actual estimate of these costs.

5. Some loans have "points" and some do not. A point is a loan origination fee equivalent to 1% of the loan amount. Together with the interest rate, they constitute the yield on your loan for the lender.
6. Signature Mortgage rates can be fixed or adjustable. Which one is right for you depends on whether mortgage rates are at a high or a low point when you purchase, and on how long you plan to live in the home.
7. There are two main types of loan categories. Conventional Loans. Conventional mortgage loans are available with fixed or adjustable interest rates. Government Loans. These include FHA fixed and adjustable rate mortgage loans, and VA fixed rate mortgage loans.
8. If you are a low-to-moderate-income home buyer, there are special programs designed to help you. These loans are available through private lenders, as well as local and state housing agencies.
9. You may have to pay mortgage insurance. Mortgage insurance protects the lender from potential loss if you should default on your mortgage loan payment. Mortgage insurance is always required on FHA mortgage loans.
10. Many organizations offer home loan counseling to prospective home buyers. They will cover home selection, Realtor services, lenders, loan programs, home ownership responsibilities, saving for a down-payment, and other important pieces of information.

For more information and a FREE consultation call me!
Sherry Hayward, your real estate specialist
Keller Williams Realty
(703) 655-2223



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