Buying a Home | Buyer School from Chantel Ray

To buy or sell a home,  call  757-717-1003.

Buyer School


Buying a Home

Buyer Information

Relocating often presents some rather unique challenges. We’re experts on how to make your new move as stress-free as possible. We’ll do our part to help make your relocation a positive and seamless experience.

Buyer Tips

Many sales agreements mention asbestos by saying “the buyer is aware asbestos may be used in the construction of this home.” This can be a little unsettling. Asbestos is a known carcinogen, and when exposed, tiny particles can be released into the air you breathe.

Buyers FAQs

Does the seller have to disclose defects to the property?
Under Virginia law Sellers are under no obligation to disclose defects to potential buyers, which is why it is critical that every buyer have a professional home inspection, pest inspection, and title search done during the due diligence/feasibility period of the contract

Real Estate Statistics

Here we will provide you with the most accurate and up to date statistics from the REIN mls. View information for your area for the current market as well as for the past few years. As always we are more than happy to help with any specific questions 717.1003.

Buyer’s Purchasing Power

Determining how much home you can afford, or what payment you feel comfortable with, can be a trying process. Calling lenders, looking at mortgage loan programs and interest rates can be confusing, to say the least. There is an easy way to get started, and give yourself an idea of where you stand.

Find Your Dream Home

Fast. Easy. Automatic. FREE! This is a FREE service to help area home buyers find their dream home. Your first email will list all homes currently for sale that meet your search criteria. Then each morning you will be emailed a list of all of the new homes for sale and price changes since your previous search…

Home Buyers’ Resource Center

Determining how much home you can afford, or what payment you feel comfortable with, can be a trying process. Calling lenders, looking at mortgage loan programs and interest rates can be confusing, to say the…

Closing Costs Explained

Here is an overview of the types of closing costs you may incur on your loan. Some are one-time fees, while others reoccur over the life of the loan. When you apply for your loan, you will receive a Good Faith Estimate of Settlement Charges, and a booklet that will explain these costs in detail.



Questions To Ask Any Agent

How long have you been in residential real estate in our area? If they have not been in local real estate for several years, they have not been involved in the cyclical market that has defined our

Eight Insider Tips For Home Buyers

A pre-approved buyer always has the advantage in an offer situation. Becoming pre-approved is very easy: you complete your loan application with a credit check prior to beginning your home search process.

Save Thousands On Interest & Taxes

if you are paying $900 per month in rent, you are paying a portion of this towards your landlord’s property taxes and mortgage loan interest. Your landlord can write this amount off. You derive absolutely no tax break.

Buyer Home Finance

Most mortgage lenders take the guess work out of applying for a loan by figuring out for you the amount you can afford to borrow. Then, they give you a printed document stating the maximum mortgage amount you qualify for based on your particular finances and income.

Buyer Presentation

There are many great benefits to buying a home through Chantel Ray Real Estate! We have years of experience but more importantly, multiple transaction experiences. We are prepared for any situation and are here to offer you the best advice and knowledge during this process.