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WELCOME! I'm Judy Fithian of RE/MAX 1st Realty, America's NUMBER1EXPERT, serving Blacksburg, Christiansburg & the scenic New River Valley. Call me anytime: 540-818-5839. |
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I delight in telling people about the natural beauty, the small town atmosphere, big city amenities, and the excellent mixture of interesting and accomplished people who reside here from all over the world! Blacksburg, Christiansburg and the surrounding area has been my home and career location as a Realtor for over 20 years. Born and raised in the southern part of New Jersey, my husband, children and I have lived in North Carolina, Mississippi and Virginia. My husband, Roger, is a retired Forester and in 1980 we returned to this beautiful New River Valley and have made it our permanent home. We have 3 grown children and 6 grandchildren who also reside in the New River Valley. The data relating to real estate on this website comes in part from the Broker Reciprocity/IDX (Internet Data Exchange) Program of the New River Valley Multiple Listing Service, Inc. Real estate listings held by brokerage firms other than RE/MAX 1st Realty are marked with the Broker Reciprocity logo (IDX) and detailed information about them includes the name of the listing broker. IDX information is provided exclusively for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. The data is deemed reliable but is not guaranteed accurate by the MLS.  ALL OF YOUR
REAL ESTATE QUESTIONS ANSWERED HERE!
I've prepared this website for
YOU! You'll find extensive resources and a wealth of information right here at
your fingertips! Enjoy your visit and please come back!
WHY SHOULD
JUDY FITHIAN BE YOUR REAL ESTATE ADVISOR?
- Licensed Realtor since 1978
- Associate Broker
- Certified Residential
Specialist
- Accredited Buyer
Representative
- Residential Marketing
Master
- Consistent Top Producer
since 1983
- Realtor of the Year
recipient
- Multi-million dollar
production every year
- Real Estate instructor
- Recipient of the first GMAC
President's Award in the New River Valley for excellence in customer service
and sales achievement
- Excellent LISTENER, expert
in calm, complete service
- Patient professional ready
to meet your real estate needs.
- Some of my best clients are
like family...(my children have all bought and sold property with me too!)
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Financing Your Home >Mortgage Fears
It is not unusual for home buyers to feel that the lender is being very critical during the loan approval process. The buyer is required to provide all kinds of financial information, and then the lender asks for more. If this is your experience, and the process seems discouraging, remember that none of this is personal!
Some lenders have more stringent requirements than others, but every lender requires a substantial amount of documentation on a mortgage loan. They must verify employment, credit history, and recent financial transactions involving your liquid assets. If your Visa payment was late, they may ask for a letter explaining why. If you are self-employed, they will ask for tax returns from at least three years and probably a year-to-date profit and loss statement.
Government regulations require mortgage companies to document everything. And while the loan officer may know that you are a reliable risk, the underwriters must be able to defend the loan to a federal bank examiner or auditor.
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| Q |
To what process do the terms closing, escrow, settlement and passing papers refer?
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| A |
These terms, which vary in different parts of the country, describe the conclusion of a real estate sale. |
 See More Real Estate Trivia > |
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- NUMBER1EXPERT™ 
