Any Richmonders and surrounding areas (VA)

[GlennyP]

I asked this question in a previous thread but I thought it would be best to start a new one…
Are there any other folks in the Richmond area on here? I’ve noticed more have joined this forum recently.
I’m in the Richmond area. I would love if anyone who has closed in the area would share realtors used and how they did/did not like them. What was your experience like?
If you’re purchasing in the area, what has your experience been like so far?

[tricey718]

Hey, fellow Richmonder here. I’m still house hunting. I’m using the NACA in house realtor. So far my experience has been great. He is very responsive. My problem is by the time I find a house I like it goes pending. This market is crazy right now!

[midlodad]

We bought a house in Chesterfield County last year.

Call Matt, that’s who we used. He also knew the program well.

Contact is on his website.

http://www.vmghomes.net/

[GlennyP]

Thanks @midlodad! Do you mind if I ask, did you buy a new construction or already built home?

Hey @tricey718. Yes, the market here seems to be very quick. Everything is flying off the market soon after hitting it. What part of town are you trying to buy?

[midlodad]

Already built.

[tricey718]

@GlennyP Looking Henrico County

[dmesau]

Can you guys give me an idea how long it took to get qualified? Any hiccups cause by the counselor?

[midlodad]

@demsau

I went to the intake 1/18, qualified 3/18 closed 4/18. No issues with counselor.

[midlodad]

I went to the intake 1/18, qualified 3/18 closed 4/18. No issues with counselor.

[GlennyP]

@tricey718 I’m also looking for Henrico, but more on the east end part of town. Are you looking for east end, west end, northern? It’s crazy because both Henrico and Chesterfield are so big.

@demsau I’m in the stage to be qualified now. It has taken me over a year since my first intake. Nothing to do with my counselor though. I had a late payment on my credit report and a few other issues. I’m hoping to hear something back this week if I’m qualified or not. Once he submitted it though, the first review took about a week. I had a few conditions to take care of. I’ve satisfied those conditions and waiting to see if my MC resubmitted me? Fingers crossed.

[tricey718]

@GlennyP I was looking more North and West End. This market is crazy right now. I’ve been outbidded twice now, and thats with the property being on the market less than 48 hours. I’m going to look into new construction.

[GlennyP]

@tricey718, yup, if I were you, I would definitely look into new construction. I feel like you will have a little more buying power from negotiations. The builders will offer closing costs too that you can use for buy down. There are quite a few new construction communities in the Northside and West End. I noticed Eastwood Homes has some new townhomes being built (don’t know if you’re into townhomes or single family homes) but they seem to be a good builder. Check them out.

[Movebyfaith]

Hello, I know this is an old post but I am in Richmond and have a quick question. I am trying to get my file sent to UW and I complete everything listed on my action plan, then there’s always something else to complete that wasn’t mentioned the first time. I feel like my file will never reach UW when I am doing what I’m required to do every time. Did anyone else go through this?

[Taco]

@movebyfaith I am not a Richmonder, but that was very much my experience. To me it is a much more efficient use of EVERYONE’s time if you MC told you all of the “to do” items at once, instead of bit by bit. There were many days that I felt as if these roadblocks were intention (At worst) and/or unnecessary (at best). But at some point, I decided that I was NOT going to quit. And I was going to make it very hard for my MC to find any reason to delay sending my file to UW for qualification.

And that was when I got an accordion file folder and downloaded an iPhone document scanner app and became SUPER prepared. No matter what he asked for, I had it scanned and emailed to my MC and we file within an hour(but usually less). I close on my dream Home in a few days and I’m still in disbelief. So keep the faith and don’t let the minor roadblocks keep you from your home!

🌮Taco🌮

• This reply was modified 8 months ago by Taco.

[Movebyfaith]

@Taco Thanks for sharing your experience. I have an apple phone too and does the scanner app work by taking a picture of the document? Did you send the documents to your Naca email? The Naca mortgage is the best IMO and well worth the wait but mostly it is really teaching me patience for sure!

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