Powhatan and Western Richmond real estate and homes for sale in Virginia - Lummie W. Jones, REALTOR® Lummie W. Jones REALTOR(r) for Powhatan and Western Richmond, Virginia real estate - NUMBER1EXPERT™ Lummie W. Jones NUMBER1EXPERT(tm) for Powhatan and Western Richmond, Virginia real estate

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Lummie W. Jones, REALTOR®, real estate agent and broker for Powhatan and Western Richmond Virginia home listings, property and land for sale - NUMBER1EXPERT(tm)
All agents are NOT alike! Find out why I am a top real estate expert. Call me: 804-598-7700 or 800-326-0869.

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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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Real Estate Tips
Short Sales >2. How to Request a Short Sale

If you are facing foreclosure and are considering selling your home as a short sale as an out, get in touch with a trusted real estate professional immediately. They will be able to assist you in the process of requesting to short sell your home.

  1. Your real estate agent will most likely tell you that some banks will not allow a short sale to happen. Contact your lender’s loss mitigation department and speak with a supervisor. Explain your financial situation and ask if you qualify to sell your home as a short sale.
  2. Ask the supervisor what documents you’ll need to proceed and make copies of those. (Depending on the lender this could be anything from bank statements, tax forms, pay stubs, etc.)
  3. Ask your real estate agent to come up with a comparative market analysis report to show your lender how much the home is worth based on home sales in the area.
  4. Write a letter of financial hardship detailing the reasons you are no longer able to make payments on your home.
  5. When you’ve completed all the aforementioned necessary paperwork, compile it together and mail it to your lender’s loss mitigation department.
  6. Pending your short sale application approval, request a deficiency release from the bank. The release absolves you of any obligation to pay the balance on the mortgage. If the bank refuses, continue to press the issue.

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Real Estate Trivia
Q 
What is encroachment, and how might it affect a property owner?

A 
Encroachment, refers to the unauthorized intrusion of a building or improvement onto another person's property; it often requires a surveyor's report to support the claim.
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Lummie W. Jones, REALTOR®, 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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