Compare First-Time Home Buyer Specialists in Ashburn, VA
Directory of first-time home buyer specialists in Ashburn, Virginia. Verify credentials with the state state mortgage licensing authority before hiring.
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State Mortgage Licensing Authority of Virginia before hiring.
Showing 20 first-time home buyer specialists in Ashburn, VA
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A first-time home buyer specialist in Ashburn Virginia helps new buyers navigate the complex real estate market. Virginia offers specific programs like the Virginia Housing Down Payment Assistance grant for qualified buyers. These specialists understand Loudoun County local market conditions and can explain Virginia contract contingencies and closing procedures.
What Does a First-Time Home Buyer Specialist in Ashburn Cost?
Typical costs for a first-time home buyer specialist in Virginia include a commission paid by the seller usually 2.5 to 3 percent of the purchase price. Buyers may pay additional fees for services like home inspections which cost 300 to 500 dollars and appraisal fees of 400 to 600 dollars. Virginia also requires a state recordation tax of 0.25 percent of the loan amount and a grantor tax of 0.50 percent of the purchase price. Costs vary by case and property. This is general information and not mortgage or financial advice.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not mortgage or financial advice — consult directly with an agent for fee specifics.
Frequently Asked Questions
What does a first-time home buyer specialist do in Ashburn?
A specialist guides you through pre-approval, home searches, offers, inspections, and closing. They explain Virginia specific requirements like the Residential Property Disclosure Act and the 3-day attorney review period. They also help you apply for state down payment assistance programs.
What Virginia programs help first-time home buyers in Ashburn?
Virginia Housing offers the FHA Plus and Conventional Plus loans with down payment and closing cost assistance up to 5 percent of the loan amount. The Virginia Housing Grant provides up to 2.5 percent of the purchase price for qualified buyers. These programs have income and purchase price limits specific to Loudoun County.
How long does the home buying process take for a first-time buyer in Virginia?
The typical timeline from offer acceptance to closing in Virginia is 30 to 45 days. Virginia law requires a 3-day attorney review period after the contract is signed. The full process from pre-approval to closing usually takes 2 to 4 months depending on market conditions and loan processing.