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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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	About Your Move
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Financing Your Home >Early Loan Approval

Many lenders help prospective buyers get pre-approved for a mortgage loan before the buyers begin a serious house-hunting effort. If you are in this position, give the loan officer all of the information about your assets, income, and debts so they can tell you how much you will be able to borrow under the available loan options. The loan officer will do a credit check and work with the lender to straighten out any problems with your credit rating.

Pre-approval from a lender can make you more attractive to the seller when you find the home you want. Multiple offers sometimes come in on a house, and you may find yourself competing with other buyers. In that case, it is helpful if you have included a letter from the lender with your offer stating that you have an approved loan and are, indeed, qualified to buy. This will also save you time by eliminating from consideration any homes that you would not be able to afford.

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

Q	What real estate board game became the best-selling game in America just one year after it was created?
A	Charles B. Darrow invented Monopoly in 1934, to cheer himself up while unemployed during the Great Depression. Monopoly is now the most popular board game in the world and has sold over 200 million copies.
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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 19 years.

My home is at The Waters Edge with my husband, Bill, and son, Trey. In 1986, I became the first permanent resident of The Waters 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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