Powhatan County and Western Richmond real estate and homes for sale in Virginia - Hank Cosby, REALTOR® Hank Cosby REALTOR(r) for Powhatan County and Western Richmond, Virginia real estate - NUMBER1EXPERT™ Hank Cosby NUMBER1EXPERT(tm) for Powhatan County and Western Richmond, Virginia real estate
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First Time Homebuyers: Powhatan County and Western Richmond Virginia home buying, real estate listings, and homes for sale in Powhatan                       County, VA
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 a top Powhatan County and Western Richmond real estate expert, it's my job to guide you, from beginning to end. 

I 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 me a bit about your situation below. I'll get right back to you. There is absolutely no charge, and I offer this to you with no strings attached. Please fill out the form below... 

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

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Real Estate Tips
First Time Buyers >The Real Bottom Line

An important part of buying a house is sitting down with your real estate agent or a mortgage lender to get a clear idea of how much you can afford. They will add up all of your monthly expenses, the mortgage payment, insurance, real estate taxes, homeowners or condo association fees--and the grand total can throw you into shock!

The important thing to remember is that the grand total isn't really the bottom line. When you add your tax savings to the equation, you may be pleasantly surprised. During the early years of your loan, almost all of the mortgage can be deducted from your state and federal income tax. The same is true of your real estate taxes. If you use part of your house as a home office, you may be able to qualify for additional tax savings. In some areas, homes with ground floor apartments are popular for offsetting part of the mortgage and offering even more tax savings.

When you make calculations about the monthly costs that include the tax savings, you may find that owning your own home is less expensive than renting a house or apartment of comparable size.

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Real Estate Trivia
Q 
What area in the United States has the highest per capita income?

A 
The New York/New Jersey/Long Island area has a per capita income of over $750,000, according to the most current available U.S. census data.
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Hank Cosby, REALTORŪ, real estate agent and broker for Powhatan County and Western Richmond Virginia home listings, property and land for sale - NUMBER1EXPERT(tm)

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 knows the Powhatan and Richmond areas well. You deserve Hank's expertise, knowledge, and commitment on your side. Please do not hesitate to contact him for more information.

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