Retirement Living in Williamsburg
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Financing Your Home



Credit Report/Score 


Everyone’s financial position is unique.  Some people have cash reserves they can use for down payments, while others may want, or need, to get into a home with little or no money down.  When financing a home, your credit rating is very important and varies from person to person.  Do you know yours?  In addition, strategies may vary.  Some people plan to stay in their home for the rest of their lives, while others may plan to stay only a few years. 


Comparing your interest rate to that of your neighbors can be misleading.  Keep in mind that the interest rate is just one component of the mortgage.  Have you taken into consideration variables such as the term, down payment requirements, income qualifications, credit ratings, reserve requirements, current debt, and prepaid points?  All of these factors go into selecting the mortgage program that best fits your needs.  

In today's market, many sellers are reluctant to accept an offer from a buyer using an internet lender or lenders from out of the area.  That is why we work with local lenders and go one-step further by recommending specific loan officers.  Loan officers are experienced mortgage professionals skilled in tailoring your mortgage to meet your distinctive requirements.  Developing a good working relationship with a knowledgeable loan officer can prove invaluable in future transactions.  Our list of recommended local lenders and loan officers contains contact information for professionals that we have worked with and have provided great service to many of our clients. 

Click on the links in the left margin for more in depth information.


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Local Lenders 


Rolf Kramer
Liz Moore and Associates
5350 Discovery Park Blvd.
Williamsburg, VA 23188 US
License # in Virginia 0225077098
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