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All agents are NOT alike! Find out why I am a top real estate expert. Call me: 804-794-2662.
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Moving your family to another town or state is a major event in your life! I have helped many families and individuals relocate!
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Philip Hoffman is one of The Top
Selling Real Estate Experts™
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Welcome to Richmond Virginia Real Estate, Philip Hoffman with RE/MAX Commonwealth Group. Metro Richmond's Leading NUMBER1EXPERT.
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 I can show you any home in the Metro Richmond and Surrounding Area, as I am a Member of the Central Virginia Regional MLS. I am proud to service the following areas: City of Richmond, and the Counties of Chesterfield, Henrico, Hanover, Goochland, Powhatan, Louisa, Amelia, New Kent, Prince George, Dinwiddie, the Cities of Colonial Heights, Hopewell, and Petersburg (Ft. Lee), Charles City. I also service the local town areas of Midlothian, Chester, Chesterfield, Glen Allen, Short Pump, Ashland, Montpelier, Mechanicsville, Bon Air, Sandston, Highland Springs, and Varina. With over 25 years of service representing buyers and sellers from all over the US and the World, our goal is to provide you with the best client service and follow up. For 22 consecutive years I have been in the top 3% of all Realtors in the Metro 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. Why? I want to be YOUR Realtor. As your trusted, professional real estate partner, I will help you find the best home in your 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. Buying and selling a home is one of the biggest events in your life. I would consider it a privilege to work with you and your family. So let's get together and allow my knowledge and team approach make this move fun for you and your family!  |
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First Time Buyers >The Seller May Pay
The costs of buying a home may be daunting. For example, you may have finally saved enough for a down payment on your first home, with a little left over to buy the furniture you will need. Then you hear about having to pay closing costs you weren't anticipating, and this may seem like a real setback.
One way to cover such a shortage is to make the sellers an offer that calls for them to credit you for some of the closing costs. As a rule, the sellers may pay a maximum of 3 percent of the sales price if the buyer is putting five percent down. If the buyer is making a down payment of 10 percent or more, the seller can contribute up to 6 percent of the sales price to cover the buyer's closing costs. Some items, such as prepaid taxes and the first month's mortgage payment, must be paid by the buyers. Sellers may also contribute to paying the appraisal, points, title insurance, settlement attorney fees, state or local transfer taxes and similar items.
Keep in mind that if the credit is included in the price of the house, the appraiser will have to justify the amount, based on sales prices of similar homes in the neighborhood.
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What five basic components of a "smart home" can be controlled by technology?
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Lighting and window treatments, security and access control, data communication, environmental/energy management, and audio/video entertainment can all be operated by a "smart home". |
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NUMBER1EXPERT™ 
