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Jane Sullivan Horne is one of The Top Selling Real Estate Experts™
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First Time Homebuyers: Smith Mountain Lake Virginia home buying, real estate listings, and homes for sale in Franklin County, VA

Welcome > For Buyers > First Time Homebuyers ...

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

You might be a bit afraid or intimidated by the whole process of buying your first home. As a top Smith Mountain Lake real estate expert, it's my job to guide you, from beginning to end.

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

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

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Disclosure Laws >Defects Must Be Revealed

Disclosure laws make it important to reveal all material defects when you are selling a home. It is important to be absolutely candid with your agent and all buyers about the condition of the property. If there is anything wrong with the roof, the plumbing, the wiring or structure, it will probably not remain a "sleeping dog". The problem will probably wake up, snarl, growl and snap at your ankles at the precise moment your buyers feel their first stirring of buyers' remorse.

It is unlikely that defects will go undetected, because most buyers get a home inspection before they are contractually obliged to complete the purchase. Even if the problems do not surface before the closing, your liability does not end after the closing for any defects you may have forgotten to report. Buyers almost never accept misrepresentation graciously, but they can usually deal with a house that is short of perfection if they know what they are getting into from the beginning. When selling your home, your real estate agent will provide you with a seller's disclosure form. Protect yourself by clearly describing any material defects prior to the sale.

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Q	Where will you find the world's largest indoor waterfall?
A	The lobby of the International Center in Detroit, Michigan has a waterfall of 114 feet, backed by 9,000 square feet of marble.
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Jane Sullivan Horne, REALTORŽ, real estate agent and broker for Smith Mountain Lake Virginia home listings, property and land for sale - NUMBER1EXPERT(tm)

Jane Sullivan Horne
Prudential Waterfront Properties
2740 Water's Edge Drive
Penhook, VA 24137
540-576-1333
540-576-2555
540-493-1690
Fax: 540-576-1579
Jane@JaneAtTheLake.com
As a native of North Carolina, I originally became involved in sales to put myself through school at Appalachian State University. In 1983, I moved to Smith Mountain Lake and have enjoyed a successful career as a full time Realtor for the past 25 years.

My home is at The Water's Edge with my husband, Bill, and son, Trey. In 1986, I became the first permanent resident of The Water's Edge. This has been a great source of joy for me as well as a real benefit for my customers. I live here, work here, and play here, so I know the lake and its surrounding areas. My goal is to help my customers find the perfect property so that they can enjoy the same lifestyle I do.

Each year since beginning my career, I have been recognized for sales excellence by The Roanoke Valley Association of Realtors receiving the top two awards given. I attribute that success to tremendous customer referrals, fantastic properties and a lot of hard work.

Whether your are ready to buy or sell, let my years of experience help you!

www.JaneAtTheLake.com is brought to you by Jane Sullivan Horne
NUMBER1EXPERT™ for Smith Mountain Lake real estate, Virginia, lakefront property and country club real estate

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