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There are always important changes happening in the real estate market, locally and nationally. These changes can affect YOU.
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 Compare three mortgages at one time. Download TripleCalc now. It's free. |
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Special Offers: Special offers for Blacksburg and Christiansburg
homeowners from Judy Fithian, top Realtor |
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Free Offers: Free offers for Blacksburg and Christiansburg homeowners from Judy Fithian, top Realtor |
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Affiliates: Judy Fithian's real estate web site affiliates |
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eNewsletter: Judy Fithian's Blacksburg and Christiansburg newsletter email will
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Today's Real Estate News: Daily
real estate news for this neighborhood, Virginia, and United
States |
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Market Conditions Report: Market conditions report for this area, Virginia, and United
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Monthly Payments & Schedule: Monthly loan payments java
mortgage calculator |
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How Much Can You Afford?: Calculate how much home
you can afford with this financial calculator |
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Determine Tax Savings: Calculate how much your
monthly Blacksburg and Christiansburg Virginia mortgage payments save you on
your taxes because of loan interest |
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Should You Rent or Buy?: Is it better to rent a
home in Virginia or buy your own Blacksburg and Christiansburg house, ranch,
luxury property, condominium, acreage, or other real estate? |
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Adjustable Rate Mortgages: Adjustable rate
Blacksburg and Christiansburg mortgages information and interest rate java
calculator |
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What Is Your APR?: Determine the Annual Percentage Rate (APR) for your mortgage. |
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Fixed or Adjustable Rate Mortgage?: Use this calculator to compare a fixed rate mortgage to two types of ARMs, a Fully Amortizing ARM and an Interest Only ARM. |
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Are Balloon Mortgages For You?: Balloon mortgage calculator. A balloon mortgage can be an excellent option for many home buyers. |
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15 vs. 30 Yr Mortgages: With a 15 year mortgage you will pay significantly less interest, but only if you can afford the higher monthly payment. Use this calculator to compare these two mortgage terms. |
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How Much Should Your Income Be?: What income is required to qualify for a mortgage? Use this calculator to find out. |
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What's Your Maximum Mortgage?:This calculator will help you determine your maximum monthly housing payment and the resulting mortgage amount. |
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Will Buying Points Save You Money?:This calculator helps you determine if you should pay for points, or use the money to increase your down payment. |
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TripleCalc: FREE Software Download: TripleCalc lets you compare three loans at one time for your
property or other Virginia real estate |
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Top National Real Estate Web Sites: Real Estate Web Sites
that include some unique sources of realty information, listings, and
more |
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Ask Anything: Ask Judy Fithian anything
real estate |
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NUMBER1EXPERTS: List of all the NUMBER1EXPERT real estate agents and realty professionals and brokers in the USA and Canada with links to their personal web sites with homes for sale |
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Real Estate Tips: Judy Fithian's realty library of real
estate tips and advice on everything from preparing your home for sale to
negotiating with home buyers to escrow, closing costs, property inspections,
and mortgage brokers |
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Real Estate Trivia: Judy Fithian's collection of real estate trivia questions and answers
that include real estate topics such as the most expensive home, largest
swimming pool, and more |
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Real Estate Dictionary: Complete real estate
dictionary and glossary of realty words you'll use when you list and sell your
Blacksburg and Christiansburg property in Virginia, including legal terms
definitions, and more |
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Financing Your Home >New Loans If you are considering applying for a mortgage to purchase a new home or to refinance your present home, don't delay. Despite fluctuation in interest rates, lenders are still processing many new loan applications.
You should gather all the necessary paperwork before you apply, and submit your loan application as soon as possible. At a minimum, the information required by a lender will consist of proof of your earnings and a clear picture of your total monthly income and expenses. If you are self-employed, or have long-term obligations such as alimony or child support, the preparation time and the amount of paperwork increases.
Despite the need to move rather quickly for a mortgage in today's market, you should "make haste carefully." Shop carefully for your loan by comparing all costs and terms. With the number of lenders vying for your business, new and better deals are always appearing.
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- NUMBER1EXPERT™ 
