When Is the Best Time to Start Talking to a Realtor in Chesterfield?

Most people think you call a realtor when you’re ready to tour homes. In reality, the best time is often months earlier. Before You’re “Ready” Is Actually Ideal Talking to a realtor early helps you: Understand your true budget Learn the local market Avoid common mistakes Build a realistic timeline T

Do You Really Need 20% Down to Buy a Home in Chesterfield, VA?

One of the biggest myths I hear from buyers is:“I’ll start looking once I have 20% saved.” The truth? Many buyers in Chesterfield become homeowners long before hitting that number. Let’s clear this up. Where the 20% Myth Comes From Putting 20% down can: Eliminate private mortgage insurance (PMI) Low

Why Homes in Chesterfield Sit Longer in the Winter — and Why That Can Benefit Buyers

Winter in real estate looks different — and that’s not a bad thing. While spring often gets the spotlight, winter in Chesterfield brings unique advantages for buyers who understand what’s happening behind the scenes. Fewer Listings, But More Serious Sellers Winter sellers are often motivated by: Job

How Much House Can You Comfortably Afford in Chesterfield (Without Feeling House-Poor)

One of the biggest mistakes buyers make isn’t buying too early — it’s buying too much house. Just because a lender approves a certain amount doesn’t mean it’s the right number for your lifestyle. In Chesterfield, I encourage buyers to focus on comfort, not just qualification. Here’s how to think abo