Скачать или смотреть Virginia Home Buyer Programs [Webinar]

This webinar provides insight into loan programs, mortgage types, pre-approval, and real estate agency relationships for homebuyers in Virginia.

Finding the Right Loan Program
Choosing a loan program that fits your financial situation is the first step in the home-buying process. First-time buyers may feel overwhelmed, so working with an expert can help ensure a smoother experience.

Understanding Mortgages & Payments
A mortgage payment includes PITI (Principal, Interest, Taxes, and Insurance). Additional costs may include:
Private Mortgage Insurance (PMI) for low down payment loans.
HOA fees if purchasing in a managed community.
Interest rate fluctuations impact monthly payments, so a lender should provide a detailed breakdown.

Types of Mortgages
Conventional Loans – Stricter requirements, require a down payment.
FHA Loans – More flexible, lower down payment.
VA Loans – 100% financing for veterans.
USDA Rural Housing Loans – No down payment in rural-designated areas.
Pre-Approval & Closing Timeline
Pre-approval ensures financial readiness before house hunting.
Required documents: residency, employment history, income proof, bank statements, credit check authorization.
Credit score requirements range from 620-680, depending on the program.
Closing dates: Closings don’t occur on weekends or holidays. Mortgage payments start the first of the month after closing.

Understanding Real Estate Agency & Representation
Listing agents represent sellers.
Dual agency (one agent for both buyer and seller) is allowed but limits guidance.
Designated agency occurs when both agents work under the same brokerage but represent separate interests.
A buyer’s agent advocates for your interests, handling negotiations and contracts.

Timestamps
00:12 - Finding the Right Loan Program
01:30 - Understanding Mortgages & Payments
03:43 - Types of Mortgages
04:55 - Preparing for Pre-Approval
12:07 - Closing Dates & Payment Schedule
12:16 - Understanding Agency in Real Estate
12:45 - Importance of Hiring a Buyer’s Agent
12:59 - Designated Agency Explained

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