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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)

Welcome! Here You Can Find Great Information on Smith Mountain Lake, Luxury Homes, Lakefront Living, Premier Country Club Properties and Virginia Real Estate

You've come to the right place to find out everything about our beautiful area - Smith Mountain Lake - and the lifestyle that thrives here! If you are looking for a unique property, vacation or second home in our area, let my years of experience living here guide you.

If you want to search homes take a look at my Feature Homes, or sign up and search all the listings in our local multiple listing service (MLS), in the privacy of your own Inbox!

Check out our information on Things To Do, and Useful Maps & Links. And don't forget to take a look at our Gallery of pictures of the beautiful scenes and views of our area!

Contact me with confidence! I guarantee your privacy will be respected. And I offer the services on this site for free and without obligation. I want to be YOUR REALTORŽ. As your trusted, professional real estate partner, I will help you find the best home in our area within your price range. And together we will sell your home, for as much as the market will bear, and as quickly as possible.

Enjoy looking around!

- Jane Sullivan Horne

Financing Your Home >If You Are Self Employed

There's no question that it could be more difficult for you to get a mortgage loan if you are a free lance viola player than if you are a government accountant. Traditionally, lenders have been more cautious when evaluating loan applications of buyers who are self-employed than people who work for a regular salary.

However, if you are self-employed, there is no reason for you to shy away from applying for a home mortgage loan, especially if your earnings have been in the same field for at least two years. It is a good idea to meet with one or more loan officers before you begin your search. They will probably want to analyze your tax returns for the past 2 or 3 years, keeping in mind that many self employed people can look impoverished on paper, since you can write off some expenses that salaried individuals can not. Try to get pre-approval from the lender, and ask for a letter stating that you have pre-qualified for a loan which your real estate agent can attach to any offer you submit on a home. This will make you more attractive to the sellers.

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Q	What is the only land in the world that has not been walked on by human feet?
A	A small 200 square-mile section of Antarctica is the only terrain on Earth that not one person has stepped foot on.
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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!

MLS REALTOR Equal Housing

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