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Updated by Pam Dent on Jul 06, 2018
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Pam Dent Pam Dent
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7 Things You Need to Know About Buying a Home in Charlottesville VA

These key points are what you should remember if you want success on your home buying journey!

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1. Know the Type of Home You Can Afford

1. Know the Type of Home You Can Afford

Since buying a home is a long-term commitment, you need to determine how much you can pay every month. Having to spend years paying your monthly home mortgage is not a joke, so it is imperative that you only get a home that you can afford. As you calculate, include the costs for regular maintenance, insurance and other upgrades that your home may need in the future.

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2. Obtain Financing

2. Obtain Financing

After figuring out how much you can afford to pay every month for your home, the next thing to do is find a lender and obtain financing. You can present to your lenders your credit score, recent tax returns and W-2 forms to verify your finances.

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3. Find a Reliable Real Estate Agent

3. Find a Reliable Real Estate Agent

The best way to go through the process of home buying is getting an experienced real estate agent to help you every step of the way. Especially if you are a first-time homebuyer and don’t know much about real estate investments, an agent can help you determine which communities have homes that suit your needs and can provide you with everything that you need to know about the homebuying process.

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4. Search for Charlottesville Homes for Sale

If you want to find a home in Charlottesville golf communities, you can search all the available homes in the area and look for the one that meets your lifestyle and budget. Once you have found the home of your choice and have already decided to buy it, make an offer right away. Within 10 days after your offer gets accepted, order a home inspection.

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5. Have an Appraiser Visit the Property

5. Have an Appraiser Visit the Property

You can never underestimate the role of an appraiser in the home buying process. Appraising the property is a crucial part of the financing process because it is where the appraiser determines the fair market value of the property.

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6. Have a Final Walk-Through of the Home

Before closing the deal with the seller, take a final visit to the property and make sure that it’s still in the same condition as when you made the offer to buy it. Have your real estate agent accompany you on this final walk-through so he can answer your queries.

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7. Close the Deal

7. Close the Deal

As you close the deal, the other party will present all the closing documents for your review and signature. Make sure that you understand everything that’s written on these documents before signing. If you have questions, feel free to ask so you know all the details before moving into your new home.

While it is true that home buying is a truckload of work, you don’t necessarily have to stress yourself with everything. If you get the right real estate agent, you will be able to save time and money as you go through the process.

Contact me today at 434-960-0161 and let’s talk! I am Pam Dent, Charlottesville’s top Realtor®. Let me make this whole thing as easy as possible for you.

Call 434-960-0161 | Guidelines for Buying a Home in Charlottesville VA | Central Virginia Real Estate& Horse Properties

Call 434-960-0161 | Here are some guidelines that you can follow if you are buying a home in Charlottesville...Click here to see the photos and video tour!

  • Specializing in residential, equestrian and country property
    Licensed to sell real estate in the Commonwealth of Virginia
    Member National Association of Realtors
    Member Virginia Association of Realtors
    Member Charlottesville Area Association of Realtors
    Past President Blue Ridge Chapter Womens Council of Realtors
    Charlottesville Albemarle Association of Realtors Professional Honor Society
    e-PRO Internet professional designation
    SRES – Seniors Residential Specialist designation
    SFR – Short Sales and Foreclosure Resource
    GREEN
    Certified New Homes Specialist
    Bachelor of Fine Arts
    Board Member Charlottesville Albemarle Kennel Club
    Past Board Member of the Free Union Country School
    Many years foxhunting and beagling with the Farmington and Keswick Hunts and the Farmington Beagles
    30 years experience training and selling horses and teaching riding in Central Virginia.
    Hobbies: breeding and showing Pembroke Welsh Corgis, training horses, gardening, reading, basketball, art, golf.

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