Fredericksburg Homes for Sale
Tom Smith
Century 21 Adventure Redwood
Tom Smith
10601 Courthouse Road Fredericksburg, VA, 22407
phone: (540)735-2266 mobile: (804)513-9179 fax: (540)735-2230 Email Tom

Fredericksburg Homes for Sale


Purchase Fredericksburg Homes

 

Buying Homes in Fredericksburg

 

Welcome to your one stop shop for all real estate in Fredericksburg, VA.  Here, you get the RARE full service Buyer Agency representation from start to finish. Home buyers deserve only the best. Let me take care of you. The seller pays for the agent's commission. You, the buyer, need professional representation to create a strong and smooth transaction. Leave your worries to me.  Contact me today to start your home buying process.
Search my MLS and Century 21 for Stafford, Spotsylvania, Caroline County real estate and properties. Find your home with me.

Buying Your Home

I have a rare opportunity to work real estate services in one of the most beautiful, historically rich areas in the entire country. The City of Fredericksburg and surrounding areas are the residential areas of choice for Washington D.C. and Northern Virginia commuters. Be aware of your surroundings. See area information such as Fredericksburg Weather,
Click here to access useful tools and information that will assist you in finding the "perfect" home -- begin searching home listings now, set up automatic email "alerts", get a free homebuyer's checklist, and more ...

 

Useful tools for your home buying adventure.

Fredericksburg real estate home buyers page button

 

 

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How To Buy A Fredericksburg Home

Use my 4 in 1 Calculator Free

Let us help you find out what you can afford! Our mortgage calculator will help you determine loan amounts, mortgage qualification, or whether you should be renting or buying.


 

Complete the fields below (e.g., Cost of Home, Down Payment, Monthly Income) and click Calculate Now. To view the different results of your calculation, click on the various tabs. To mail yourself a copy of your results, click the Receive this Detailed Analysis link.
Required Fields
Term In Years:     
Interest Rate:      %
Cost of Home:  $
Down Payment:  $  
Annual Insurance:  $  
Estimate Insurance to 0.43%of Cost
Annual Property Tax:  $  
Estimate Tax to 1.2% of Cost
Monthly Income:  $
Monthly Debt:  $
Optional Fields
Gross Debt Service Ratio (GDS):     
Total Debt Service Ratio (TDS):     
Condos Fees:  $
Results
  Receive this Detailed Analysis

Your Monthly Payments
 
Loan Amount:
Loan Insurance (%):
Total Loan (Mortgage) Amount:
 
Principal & Interest:
Homeowners Insurance:
Property Taxes:
Condo Fees:
Monthly Loan Insurance (%):
Total Monthly Payment:
Income Needed to Qualify for the Mortgage
Total Monthly Loan Payment:
Total Monthly Debt Payment:
Monthly Loan Insurance (%):
Qualifying Income of % GDS Ratio:
Qualifying Income of % TDS Ratio:
What You Can Afford
We are using the % ratio.
Cost of House:
Down Payment:
Loan Value:
Monthly Principal & Interest:
Monthly Insurance:
Monthly Property Tax:
Monthly Condo Fees:
 
Cost of House = [(Monthly income x Debt Ratio) – monthly tax – monthly insurance – condo fee] /
(monthly interest rate/ function of interest rate)
Renting
Monthly Rent: $
Annual Rental Increases:  %
Monthly Renter Insurance: $
Savings or Investment Rate:  %
 
Owning
Planned # of years in home: 
Yearly appreciation of the home:  %
Annual home maintenance:  %