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Local Services: Napier Home Services

Napier Realtors ERA is pleased to offer you the services of Napier Home Services, a comprehensive program that provides you available local and national services and often savings for your next move. We recommend the partners associated with Napier as being dependable, providing excellent service and a value to you.

WHAT CAN YOU EXPECT?

CONVENIENCE:
As well as me, you will be given a Personal Coordinator that help you get the serices you need and details of moving for you-saving you time and effort.

CHOICES AND SAVINGS:
A variety of products and services from both local and national partners, many with discounts.

CUSTOMIZED PORTFOLIO:
You will have access to a highly secured file for your records associated with your sale and/or purchase.

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Financing Your Home >Mortgage Terms

New mortgage loan products offer a more complex selection of terms. Lenders now offer mortgages that are blends of short-term ARMs and 30-year fixed-rate loans with a lower fixed-rate of interest for a period of five, seven or ten years. Be sure that you understand what happens at the end of the initial term before you sign on the dotted line for such a loan.

Many of these loans revert to a 1-year adjustable rate loan at the end of the initial term and can be adjusted once a year based on an index tied to the cost of money. You should know how much over the index your rate will be set and the limit or cap on how much your payments can increase. A "balloon" note requires the entire balance to be paid to the lender after the initial period of the loan ends. Most of these loans require the lender to guarantee to refinance the note at that point if payments have been timely. The lender should spell out how the re-finance rate will be determined and what costs will be involved. These loans can help you buy a more expensive house than you could afford with a 30-year fixed rate mortgage, but be sure that you understand the terms and the potential risks.

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Q	What architectural detail made its way into the design of many suburban homes built in the 1950s, 60s and 70s?
A	The picture window was a signature of the suburban American neighborhood.
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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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