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First Time Home Buyers

Welcome > For Buyers > First Time Homebuyers ...

Buying Your First Home? Realtors Are Your Professional Guides. Make Sure You Choose a Top Expert. 

You might be a bit afraid or intimidated by the whole process of buying your first home. As top Powhatan County and Western Richmond 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 consider: 

- How much can you really afford? 

- How to qualify for a mortgage. 

- How much cash you should put down. 

- How to buy a home with little or nothing down. 

- What it takes to get approved for financing. What banks and other financial institutions are looking for. 

- 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. Please fill out the form below... 

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

Closing or Settlement >Walk Through Woes

Buyers can be a little cranky on closing day if things go wrong during the walk-through inspection. For example, the sellers' dependable old dishwasher might stop midway through its cycle and the bathroom sink might clog unexpectedly. These situations can create anxiety for the buyers and sellers, but such problems are quite common and usually simple to resolve.

Most purchase agreements require that the major mechanical systems and the appliances being conveyed are in working order at the time of the closing. Defects are often discovered during the structural inspection, allowing the sellers plenty of time to have the repairs made. Occasionally there are last-minute breakdowns or defects that are not spotted until the walk-through inspection. In that case, an agreement can be made with the sellers at the closing to escrow funds for the repair or replacement of the items in question.

See All Tips In The "Closing or Settlement" Category >
See Complete Library Of Hundreds Of Tips In 30+ Categories >

Real Estate Trivia

Q 
What is the world's largest palace?

A 
The Imperial Palace (Gugong) in the center of Beijing, China covers over 178 acres and dates back to the early 1400s.
See More Real Estate Trivia >

Hank Cosby, REALTORŪ, real estate agent and broker for Powhatan County and Western Richmond, Virginia home listings, property and land for sale - NUMBER1EXPERT

Hank Cosby
Hank Cosby Real Estate

3812 Old Buckingham Road
Powhatan, VA. 23139
Phone: (804) 598-2875
Fax: (804) 598-2833
Email: hank@hankcosby.com

Hank Cosby and his team know the Powhatan and Richmond areas well. You deserve their expertise, knowledge, and commitment on your side. Please do not hesitate to contact Hank and his team for more information.

Equal Housing MLS REALTOR


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