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I add my newest homes and other real estate listings to this web site first. It can be some time before they appear in the MLS or other web sites.
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Lummie W. Jones is one of The Top Selling Real Estate Experts™
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For Realtors: Powhatan and Western Richmond Virginia home buying, real estate listings, and homes for sale in Powhatan County, VA

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Trust Me with Your Referrals. Increase Your Chances of Making a Sale. We are a national winner of several relocation service awards!!

Napier Realtors ERA has helped buyers and seller relocate for over 30 years. As a broker for Cendant Mobility, the nation's largest third party relocation company, Napier Realtors ERA was chosen to serve Cendant's corporate clients. As an award winning company for the service they give to their clients and customers, you can count on us to provide the type of service you desire for your clients. Our full time relocation department is ready to help your buyers and sellers make their next move a successful one. Give me a call today at 800-326-0869 or email me and I will assure you that you will be happy with our service to your clients!

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First Time Buyers >Credit Card Traps

It is not unusual for first-time buyers to be free of debt. They have been saving for their first home for many months or even years. But after they move into their new home, the new homeowners are often deluged with pre-approved credit card applications from banks and stores offering credit lines. Before they realize what is happening, they can be overwhelmed with debt.

The consumer credit agencies know that mortgage companies do thorough checks before approving a loan, and those who have passed through that process are considered good credit risks. They also know that new homeowners often need to make major purchases of furniture and appliances at a time when they have depleted most of their savings accounts. After years of disciplined savings, new owners may be faced with a tremendous temptation to just say "charge it" for the things they need.

If you have just purchased a home, be aware--and wary--when those credit card applications start pouring in!

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Q	What is the most unusual maintenance project done once each year in the United States?
A	The Niagara Falls is shut down for maintenance every year in the fall by diverting the flow of water for 24 hours using a massive series of pipes constructed in 1837.
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Need a Mortgage? Get the best rates around...
ERA Mortgage can offer you the best rates around! Call 1-866-893-6443 or check out their site to see what I mean...
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Lummie W. Jones, REALTORŽ, real estate agent and broker for Powhatan and Western Richmond Virginia home listings, property and land for sale - NUMBER1EXPERT(tm)

Lummie W. Jones
Napier Realtors ERA
2600 Rocky Oak Road
Powhatan, VA. 23139
804-598-7700
800-326-0869
804-897-3001
Fax: 804-598-7703
Email: lummiejones@NUMBER1EXPERT.com
Lummie Jones "Outstanding In Her Field" NUMBER1EXPERT Lummie Jones has been helping families like yours find their dream homes in Powhatan and the surrounding areas since 1983. Lummie's dedication to her career and service to her clients is why Lummie is "Outstanding In Her Field" by her clients and customers. Her active involvement in her community, the Richmond Board of Realtors and the Homebuilders Association of Richmond keeps her up to date on important issues impacting today's buyers and sellers. Lummie knows knowledge about her business is powerful and is one of the ways to assure you exceptional service. "I love to showcase my home Powhatan, and the Richmond area. This area is such a great place to live, and by working with new buyers and sellers one of the nicest things about my job is I haven't met my next friend yet," says Lummie. Lummie is truly a professional who looks forward to the opportunity to serve her clients and customers.

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