Chesapeake, Suffolk and Norfolk real estate and homes for sale in Virginia, South Hampton Roads, Tidewater, Military Relocation - Joyce Bruce, REALTORS® Joyce Bruce REALTORS(r) for Chesapeake, Suffolk and Norfolk, Virginia real estate, South Hampton Roads, Tidewater, Military Relocation - NUMBER1EXPERTS™ Joyce Bruce NUMBER1EXPERTS(tm) for Chesapeake, Suffolk and Norfolk, Virginia real estate, South Hampton Roads, Tidewater, Military Relocation
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Joyce Bruce, REALTOR®, real estate agents and broker for Chesapeake, Suffolk and Norfolk Virginia home listings, property and land for sale - NUMBER1EXPERT(tm)


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First Time Homebuyers: Chesapeake, Suffolk and Norfolk Virginia home buying, real estate listings, and homes for sale in Chesapeake County, VA
Welcome > For Buyers > First Time Homebuyers ...


Buying Your First Home? REALTORS® Are Your Professional Guides. Make Sure You Choose Top Experts. 

This is your first home purchase and you’re wondering how the process really works. Realizing that this can be a very emotional and exciting time in your life, We have prepared a step-by-step outline of the entire home-buying process in an effort to make your experience a positive one. As top South Hampton Roads (Chesapeake, Suffolk, Norfolk, Portsmouth, Virginia Beach, Smithfield and Isle of Wight) real estate experts, it's our job to guide you, from beginning to end.  

We will take the time to go through each and every step of the buying process. There are no dumb questions!  

Together, we will discuss:  

- How to get pre-approved for a mortgage.  

- Several topics before we begin to preview prospective homes. This initial session will take about an hour to an hour and a half. We will discuss being represented by a Buyer’s Agent and how this is in your best interest, the amount of the mortgage you have been pre-approved for and what this amount will provide you in your housing needs. Most importantly, we will discuss your “wants” and “needs” in your new home. We will also discuss the types of homes available in your price range and where they are located. I’ll explain to you about home inspections, preparing an offer, presenting the offer, counter offers, walk-thru and settlement. I will also explain to you exactly what a “seller’s market” means to you - the buyer.  

- How much your payments will be.  

- The tax advantages of buying.  

- Is renting or buying better for you?  

Tell us a bit about your situation below. We'll get right back to you. There is absolutely no charge, and we offer this to you with no strings attached.  

Be sure to see the Real Estate Dictionary under the Resource menu for definitions of all real estate terms. 

New to the home buying process? Tell us your concerns. Ask us questions. It's our job to help! There's no obligation, and we promise to get back to you quickly... 

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Real Estate Tips
Insurance >Hazard Insurance

Are you considering taking out hazard insurance on a property before you actually take title? It may be a good idea!

Even though you are not yet the owner of record, as the buyer, you have an insurable interest in a property the moment that you and the seller execute the sales agreement. As a matter of practice, however, buyers do not usually take out insurance until the papers change hands, and it should not be necessary if the agreement of sale is properly executed.

It is very important to both parties that the agreement states that the property will be insured for a specific amount. From the buyer's point of view, an adequate sum must be stipulated, and the agreement should not read "as now insured", which can indicate that the seller may not want to increase the insurance.

As a general rule, the amount of insurance on the buildings on a property should equal the sales price, less the value of the lot.

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Real Estate Trivia
Q 
What real estate board game became the best-selling game in America just one year after it was created?

A 
Charles B. Darrow invented Monopoly in 1934, to cheer himself up while unemployed during the Great Depression. Monopoly is now the most popular board game in the world and has sold over 200 million copies.
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Joyce Bruce, REALTOR®, real estate agents and broker for Chesapeake, Suffolk and Norfolk Virginia home listings, property and land for sale - NUMBER1EXPERT(tm)

Joyce Bruce
RE/MAX Alliance

717 South Battlefield Blvd., Suite 16
Chesapeake, VA, 23322
Phone #: 757-393-0440
Phone #: 757-621-5468
Toll Free #: 800-328-0043
Fax #: 757-393-2782
E-mail: joycebruce@NUMBER1EXPERT.com

Joyce Y. Bruce – South Hampton Roads, Virginia Real Estate and Homes for Sale

South Hampton Roads also known as Tidewater consists of the cities of Chesapeake, Norfolk, Portsmouth, Suffolk and Virginia Beach. A great place to live, work, play and raise a family! Put my 20+ years of full time real estate sales experience to work for you! Selling? Buying? Have a question about Real Estate? Need professional Real Estate advice? I Want to Be Your Real Estate Resource for Life! My belief is that the only "dumb" Real Estate Question is the one that is never asked. I have received many awards during my career recognizing my professional accomplishments. However, my most cherished awards are happy, satisfied clients. Superior service, honesty, integrity, commitment to my clients, knowledge of the market and great negotiating skills are terms that former clients use to describe me when referring their friends, neighbors and relatives to me for their Real Estate needs. Clients are my #1 priority. Put me and my team to work for you today!

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RE/MAX Alliance real estate and homes for sale in Chesapeake, Suffolk and Norfolk Virginia

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