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Welcome > For Buyers > Mortgage Prequalification ...

Don't Go Shopping for a New Home Before You Know Exactly How Much You Can Spend!

You might have an idea of the loan payment and mortgage you can afford. But will the bank feel otherwise? It's always best to pre-qualify for a mortgage so you know exactly how much a financial institution would be willing to lend you.

In the pre-qualification process, you will find out:

- Exactly how much home or land you can afford.

- How much cash you will need for the down payment.

- The minimum down payment, and advantages of higher down payments.

- What the bank feels you can afford for a monthly payment.

We help buyers pre-qualify for mortgages every day. Simply fill out the form below to get started.

Remember: we will respect your privacy! We know this is your personal information, and we will not distribute it to anyone, other than to our preferred mortgage broker. This service is also provided free of charge, without any obligation on your part. It is part of our job as top Culpeper, Rappahannock and Fauquier real estate agents to offer services such as these.

Once you fill out the form, we will quickly process your information and get right back to you!

We can help you pre-qualify for your mortgage. It's our job! This is free and without obligation...

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Buying Land and New Construction >The Zoning Variance

When you are selecting land on which to build your new home, be certain to investigate the zoning for that particular area. You might fall in love with rural acreage that just happens to be zoned for agricultural or recreational purposes. Since zoning uses are not interchangeable, you would need to apply for a variance in order to build a single-family residential dwelling on the land. This can be a challenging process!

Getting approval to have the zoning changed on property requires that you first give public notice, and then request approval for a variance from the government agencies that supervise enforcement of the zoning plan. You might encounter resistance from neighbors or various local interest groups who oppose the zoning changes that would allow you to build your dream home. Your local planning department can tell you how a particular property is zoned and explain what you need to do to get a variance. Your real estate agent may be able to refer you to a local land use attorney who can guide you through the process.

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Q	What is the largest city square in the world?
A	Located in Beijing, China, Tianamen Square, called the "Gate of Heavenly Peace", covers 98 acres.
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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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