Culpeper, Rappahannock and Fauquier, Virginia Real Estate Listings & Homes For Sale - Tammy Billings & Associates

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“Tammy is very easy to work with and her knowledge of the real estate business is great!"
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Tammy Billings & Associates is one of The Top Selling Real Estate Experts™
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All agents are NOT alike! Find out why we are top real estate experts. Call us: 540-341-1000.

Tammy Billings
A life time local who delivers a Real Experience and Real Results!

Buyers & Sellers, I am an animal lover! My family and I care for many rescued animals! I strongly support the work of our local Humane Society and the Society for the Prevention of Cruelty to Animals (SPCA). If you buy or sell with me, I will donate a portion of my proceeds to the local charity of your choice and if you also adopt a pet from our local Humane Society or SPCA, I will cover your adoption as well as your spay or neutering costs!

Buyers, take a look at my feature properties. Also be sure to sign-up to receive my latest listings. You will be the first to know about new listings. In my buyers section you will find useful information whether you are a first time home buyer or need to pre-qualify for a mortgage.

Sellers, I deliver real results. Click here to learn how I maximize the internet to your benefit. Explore my sellers section where you will find a wealth of FREE information. At no cost or obligation I will provide you with an in-home presentation, a comparative market analysis and more!

Relocating, I am a native let me help. Check out my local information section where you will find plenty of information about the area. Be sure to request my Free relocation packet and Free school report

Contact Tammy Billings at 800-85-TAMMY
When you are ready to get real about your move!

Buyers Remorse >First Time Loans

Most first-time buyers can qualify for a mortgage loan, but they may need help from parents to make the down payment or closing costs on their home. There are loan programs that minimize the down payment and closing costs for first-time buyers. These programs usually require that 3 to 5 percent of the purchase price come from the buyers' funds, not from a loan or gift. Most lenders ask for the last three months' bank records. The borrower will be asked to reveal the origin of any large deposits. If the money comes from the homebuyer's parents, the lender may not consider those funds when qualifying the buyers.

Parents who are planning to help their children finance a home should transfer any funds several months before the house-hunting process begins. If it is a loan rather than a gift, a formal re-payment agreement should be drawn up between parents and children to eliminate potential misunderstandings or future complications with either estate.

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Q	What 70-room East Coast mansion was built as a summer home and is known as a "Gilded Age cottage"?
A	Cornelius Vanderbilt's "Breakers" Mansion in Newport, Rhode Island, named for the waves crashing along the cliff that separates the property from the ocean.
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Tammy Billings & Associates, REALTOR®, real estate agent and broker for Culpeper, Rappahannock and Fauquier, Virginia home listings, property and land for sale - NUMBER1EXPERT(tm)

Tammy Billings & Associates
RE/MAX Regency
403 Holiday Court
Warrenton, VA 20186
Toll-Free: 800-85-TAMMY (82669)
Direct: 540-341-0135
Fax: 540-937-5440
TammyBillings@NUMBER1EXPERT.com

For Tammy Billings, a native of the area, what matters most are the simple things in life - family, friends, nature and living a life that is true to who you are deep down inside. Tammy believes in going the extra mile to show you care about people and treating others the way you’d want to be treated. Tammy’s attitude and work ethic is what has lead her to be a leading Greater Piedmont Area associate broker with over two decades of experience. Tammy has earned a reputation for her strong business insights, tenacity and refreshing positive attitude. Her constantly expanding expertise in the industry, knowledge of current market trends and awareness of available inventory. However, what her clients appreciate most is that she listens to their individual needs and doesn't use a cookie-cutter approach to meeting them. Real Experiences generate Real Results and this is what Tammy creates for her clients. When you are ready to get Real about your move contact Tammy Billings at 800-85-TAMMY!

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