Virginia Beach, Chesapeake and Norfolk real estate and homes for sale in Virginia - Chantel Ray Real Estate Team, REALTORS® Chantel Ray Real Estate Team REALTORS(r) for Virginia Beach, Chesapeake and Norfolk, Virginia real estate - NUMBER1EXPERTS™ Chantel Ray Real Estate Team NUMBER1EXPERTS(tm) for Virginia Beach, Chesapeake and Norfolk, Virginia real estate
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Mortgage Prequalification: Virginia Beach, Chesapeake and Norfolk Virginia home buying, real estate listings, and homes for sale in Virginia Beach County, VA
Welcome > For Buyers > Mortgage Prequalification ...


Don't Go Shopping for a New Home Before You Know Exactly How Much You Can Spend! 

You might have an idea of the loan payment and mortgage you can afford. But will the bank feel otherwise? It's always best to pre-qualify for a mortgage so you know exactly how much a financial institution would be willing to lend you. 

In the pre-qualification process, you will find out: 

- Exactly how much home or land you can afford. 

- How much cash you will need for the down payment. 

- The minimum down payment, and advantages of higher down payments. 

- What the bank feels you can afford for a monthly payment. 

We help buyers pre-qualify for mortgages every day. Simply fill out the form below to get started. 

Remember: we will respect your privacy! We know this is your personal information, and we will not distribute it to anyone, other than to our preferred mortgage broker. This service is also provided free of charge, without any obligation on your part. It is part of our job as top Virginia Beach, Chesapeake and Norfolk real estate agents to offer services such as these. 

Once you fill out the form, we will quickly process your information and get right back to you! 

We can help you pre-qualify for your mortgage. It's our job! This is free and without obligation... 

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Real Estate Tips
Titles >Joint Tenancy

When two or more individuals own property together, each one owning an equal interest and having equal rights in the property including the rights of survivorship, it is referred to as joint tenancy. Any of the joint tenants may transfer his or her interest in the property to another party, but this dissolves the joint tenancy and creates a tenants-in-common interest with respect to the other parties whose names are on the title.

The most important feature of joint tenancy is the right of survivorship. A joint tenant cannot will his or her interest in the property to others. The surviving joint tenant (or tenants) simply becomes the owner or owners of the property without going through the probate process, which can involve expensive legal fees and may take months to resolve.

It is important to get professional advice when you plan to buy and hold title to real estate with another person.

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Real Estate Trivia
Q 
Upon completion this year, what will be the tallest residential building south of New York and east of Chicago?

A 
Located in Biscayne Bay, Florida, the $120 million, 51-floor luxury condominium will be called The Santa Maria.
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Chantel Ray Real Estate Team, REALTOR®, real estate agents and broker for Virginia Beach, Chesapeake and Norfolk Virginia home listings, property and land for sale - NUMBER1EXPERT(tm)

Chantel Ray Real Estate Team
William E. Wood and Associates

195 S. Rosemont Road, Suite 109
Virginia Beach, VA. 23452
(757) 497-8733
(757) 717-1003
Fax: (757) 473-0187
Email: chantelray@NUMBER1EXPERT.com

A mathematics graduate of Virginia Weslyan College, Chantel taught at Cox high school for several years. She has served as a children’s minister and Youth minister. The Chantel Ray Real Estate Team has sold on average 6 million dollars in real estate every 3 months! Chantel resides in Virginia Beach with her husband of three years and their dog Mango. Chantel's most recent accomplishment is completing her EPro Certification. She is currently working on her GRI which is nearly complete.

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William E. Wood  and Associates real estate and homes for sale in Virginia Beach, Chesapeake and Norfolk Virginia

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