All agents are NOT alike! Find out why I am a top real estate expert. Call me: 804-598-7700 or 800-326-0869.

Click the green arrow to hear an audio message from Lummie Jones!

Sign Up For My eNewsletter, FREE!
There are always important changes happening in the real estate market, locally and nationally. These changes can affect YOU.
Find Out More >
View All Offers >

Lummie Helped Me Buy Without Actually Seeing It
The first time I saw our home in person was when I turned in the driveway with the moving van.
Richard C. Olson
Read Quote >
View All Quotes >

Compare three mortgages at one time. Download TripleCalc now. It's free.

Find Out More >
Download Now >

Lummie W. Jones is one of The Top Selling Real Estate Experts™
Find Out More >

Professional Resume: Powhatan and Western Richmond Virginia home buying, real estate listings, and homes for sale in Powhatan County, VA

Welcome > About Me > My Professional Resume ...

My Experience, Credentials, Track Record, and Awards

ˇ 2000 - 15 Year Award/Distinguished Achiever-Richmond Association of Realtors

ˇ 1999 Sales Manager of The Year, Homebuilders Association of Richmond

ˇ Yearly since 1985 - "Distinguished Achiever" - Richmond Board of Realtors

Certified Professional Stager-getting your home ready to sell

ˇ Awards for New Home Sales-Richmond Homebuilders

ˇ Leadership Award ERA - Closed Volume

ˇ Associate Broker/Partner and VP of Napier Realtors ERA

ˇ Executive Vice President of Napier Realtors ERA, New Homes Division

ˇ Member Board of Directors-Blessed Sacrament-Huguenot School

ˇ Member of Powhatan Chamber of Commerce

ˇ Executive Council Member-Sales and Marketing-Homebuilders of Richmond

ˇ Past Member of Powhatan Technical Advisor Board

ˇ Member of Professional Standards
Committee-Richmond Board of Realtors

ˇ Member of Sales and Marketing- Homebuilders Association of Richmond

ˇ Member of Task Force for Powhatan YMCA

ˇ Member of Virginia Association of Realtors

ˇ Member of National Association of Realtors

ˇ Member of Richmond MLS

ˇ ERA International Collection - Luxury Homes Marketing

ˇ Trained in Historic Properties by National Trust for Historic Preservation

ˇ Member of National Trust for Historic Preservation

ˇ National Award Winner for ERA-Member of President's Circle

ˇ National Speaker for ERA- about land developing and new homes

*Your Name:
*Your Email Address:
Send Latest Listings:
Send Latest News:
Your Message or Comments:

* Please note that fields marked with an asterisk are required.

Quick Response Guarantee >
I Guarantee Your Privacy >
Free & Without Obligation >

First Time Buyers >Affording A Home

Are you getting ready to buy your first home? It is important to know how much you can afford before you begin looking at properties. Talking with a lender and getting pre-approved for a loan puts you in a stronger negotiating position with sellers.

As a rule, your monthly housing costs should not exceed 28% of your monthly pre-tax income. These costs include the mortgage payment, real estate taxes, and insurance. If you have long-term debts, such as student loans or car payments, your monthly payments, including your housing costs, should be less than 36% of your pre-tax monthly income. Some loans, such as VA and FHA loans, are more flexible with these basic guidelines.

Depending on which type of mortgage you select, you can consider houses in various price ranges. An adjustable-rate mortgage will usually enable you to qualify for a higher loan amount. Your real estate agent can help you make the basic calculations. Remember that buying at the top end of your price range gives you more time to outgrow your home, and can save you money over the long term.

	See All Tips In The "First Time Buyers" Category >
	See Complete Library Of Hundreds Of Tips In 30+ Categories >

Q	What is the most common street name in the US?
A	Second Street ranks as the most common street name. First Street is not #1 because many "First" streets are called "Main" Street.
See More Real Estate Trivia >

ERA Select Services
At ERA Select Services we can offer you discounts relating to your next move.
Find Out More >
View All Affiliates >

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.

www.lummiejones.com is brought to you by Lummie W. Jones
NUMBER1EXPERT™ in real estate for Powhatan and Western Richmond, Virginia

Read My Privacy Guarantee, Terms of Service, and Free & Without Obligation Pledge