For first time homebuyers and even buyers who currently own a home, applying for a mortgage can be daunting.  It is easier if you have an idea about the documentation that you will need to supply in order to obtain a mortgage.

You will need the following documents:

• The signed contract and addenda
• Social Security card and photo ID
• Past 2 years employment history including pay receipts or W-2
• Checking and savings account statements for the past 2 months
• Past 2 months statements for all stocks, bonds and investment accounts
• Retirement Plan - current statement
• If you are self-employed you will need the past 2 years tax returns.
• If you are divorced or separated you will need the divorce or separation agreement and settlement.
• Proof of taxes and insurance on all real estate currently owned
• Renters must provide contact information for their landlords for 2 years.

Now you will know what information to have on hand, so that when you find that perfect home, you will be able to move forward as quickly as possible.

Click here to search all homes currently on the market in the Charlottesville, Virginia real estate market and the central Virginia area.

Pam Dent, e-PRO, SRES, NHD
Real Estate III
Charlottesville, VA
  434 960-0161  
www.JumpintoGreenerPastures.com
www.CharlottesvilleHorseFarmsandCountryHomes.com

licensed to sell real estate in Virginia

Open House Sunday July 20 1:00-4:00pm
3194 Darby Rd., Glenmore, Keswick, VA 22947

View this lovely 4 bedroom, 4 full and 2 half bath, 5,000 sq ft home in the Glenmore community, just east of Charlottesville, Virginia.  The breathtaking floor plan and innovative design will not disappoint.  Priced at $1,225,000.

For more information on this home or on others in Glenmore or the Charlottesville, Virginia area contact

Pam Dent, e-PRO, SRES, NHD
Real Estate III
Charlottesville, Virginia
434 960-0161
www.JumpintoGreenerPastures.com
www.CharlottesvilleHorseFarmsAndCountryHomes.com

6150 Louisa Road, Keswick, Virginia

3 bedroom, 3.5 bath, 2,863 sq ft, $795,000

This exceptional craftsman style home has just been reduced in price by $100,000.  What a steal!  Located in the heart of the Keswick Hunt Country in Albemarle County just outside of Charlottesville, Virginia this home boasts many architectural details and quality of construction. 

View additional photos and more information

Pam Dent, e-PRO, SRES, NHD
Real Estate III
Charlottesville, Virginia
434 960-0161
www.JumpintoGreenerPastures.com
www.CharlottesvilleHorseFarmsandCountryHomes.com

407 Country Creek Way, Palmyra, Virginia
4 bedroom, 2.5 bath, 2,575 sq ft, built in 2007, $379,000

Enjoy Fluvanna County country living in Fox Hollow on the spacious 2.66 acre lot.  This new home has the advantages of one floor living with the master suite and an additional bedroom and full bath on the main floor.  Upstairs you will find a third bedroom, bonus room and half bath,  Additional amenities include granite counters, stainless appliances, and hardwood floors.  A screened porch and large deck offer the opportunity for outdoor living.  There is also a 2 car garage.

For more information on this home and on other homes in the area please contact

Pam Dent, e-PRO, SRES, NHD
Real Estate III
Charlottesville, VA
434 960-0161
www.JumpintoGreenerPastures.com
www.CharlottesvilleRealEstateTalk.com

Perhaps you have always had your own farm and are used to having your horses at home.  The time has come in your life when all the upkeep of such a large property is getting to be too much.  BUT how will you asjust to having to commute to a boarding barn and not being able to see your horses whenever you want to?  Will you miss feeding them carrots at night check or drinking your morning coffee while listening to them munch hay.  The perfect solution may be to purchase a home in an equestrian community.  In the Charlottesville, Virginia, Albemarle County area the perfect choice is to buy a home in Glenmore with the attached Glenmore Equestrian Center professionally managed by Shadowfax LLC.  This is a full service equestrian facility including boarding, lessons, training and sales.  You can have the convenience of being able to visit your horse at a moments notice minus the hassle of having to do the work yourself.  In addition if you purchase a home in either the cottage or the Scottish homes section of the community all of the yard maintenance is included.  Then you are free to enjoy your home and horse minus all the chores that went along with farm ownership.

If you would like additional information on Glenmore, Shadowfax LLC, or real estate in the Central Virginia Area contact:

Pam Dent, e-PRO, SRES, NHD
Real Estate III
Charlottesville, Virginia
434 960-0161
www.JumpintoGreenerPastures.com
www.CharlottesvilleHorseFarmsandCountryHomes.com

There are a number of issues that a real estate agent needs to be aware of that could make closing more difficult and as a result delay closing.  This list was given to me by one of my associates who is in the insurance industry, fellow Active Rainer, Becky Reid.

• Is the home located over 5 mi. from a fire department?  Insurance companies love it if there is a fire hydrant nearby.  Fire departments have ratings according to their speed of response.
• Insurance companies don't like old wiring with fuses instead of circuit breakers.
• What kind of dog does the homeowner have?  Most insurance companies won't cover or offer liability for chows, rotweilers, dobermans or pit bulls.
• Quest or polybutelene pipe can cause problems.  It is usually ok with new connections.
• Woodstoves must be professionslly installed.
• Pools without surrounding fencing are a red flag.  These are often covered under local regulations as well.
• Many companies will not deal with mobile homes.  They used to be ok if on a permanent foundation, but that is not necessarily the case anymore.
• Log homes can be difficult to insure.
• There can be a problem with isurance if there is a business on the premises.
• Horse operations can be difficult to find liablility coverage for.
• Beef cattle farms can be difficult to insure as well.
• Christmas Tree Farms
• Properties with an old falling down barn or shed present problems, because policies do not have the ability to exclude structures.
• Find out if the property has had a claim within the past three years.
• Also ask your buyer sif they have had a claim during the past three years.  If so they need to call their agent immediately.

Not all of these items will prevent your buyers from obtaining insurance, but it might take longer, be harder to find, or be more expensive.

Pam Dent, e-PRO, SRES
Real Estate III
Charlottesville, Virginia
434 960-0161
www.JumpintoGreenerPastures.com
www.CharlottesvilleHorseFarmsandCountryHomes.com
www.Charlottesville.virginiablogpage.com

1891 Covered Bridge Road, Kents Store, Virginia

3 bedrooms, 2 baths, 2,112 finished sq ft, 576 unfinished, 6 acres, built in 2000, priced at $385,000

All you need are horses.  Horse ready farmette located on 6 acres within an easy commute to both Charlottesville and Richmond, Virginia.  The six acres includes a 2 stall barn, run-in shed, and board and electric fencing.  The home has a first floor bedroom and full bath, a living room, large family room, open kitchen with a separate dining area and a sun room.  Upstairs are two bedrooms and a bath.  The screened porch, extensive decking and pool are perfect for enjoying the private backyard.  There is also a two car garage with a finished bonus room over top that is not included in the finished square footage.

For information on this and other properties on the market contact:

Pam Dent, e-PRO, SRES
Real Estate III
Charlottesville, Virginia
 434 960-0161 
www.JumpintoGreenerPastures.com
www.CharlottesvilleHorseFarmsandCountryHomes.com
www.Charlottesville.virginiablogpage.com

161 Little Pond Lane, Palmyra, Virginia

This welcoming capecod style home with 4 bedrooms and 4 full and 3 half baths is an estate quality home set on 14.5 acres in the middle of scenic rolling countryside.  Located in Fluvanna County, the estate quality home is within an easy commute of Charlottesville, Virginia.  The 4,888 finished sq ft and 2,618 unfinished affords ample room for gracious living.  The exceptional design and quality of construction are evident in the attention to detail throughout the home.  Enjoy the lovely views of the stocked pond and surrounding farms from the large covered front porch.  A spacious rear screened porch overlooking the pool and patio adds to the opportunity for outdoor living.  The enormous first floor master suite has French doors leading to the screened porch and a large palladian window which affords views of the pool.  The large open kitchen has a cooking island and breakfast bar.  The living spaces also include a formal dining room, study and a large family room.  Some of the special features include hardwood floors, high ceilings, walk-in cedar closets, and plantation shutters.  There is an attached 3 car garage, and a detached garage which includes a home office.  This property is priced at $995,000.

For more information on this or other properties in the area please contact:

Pam Dent, e-PRO, SRES
Real Estate III
Charlottesville, Virginia
 434 960-0161 
www.JumpintoGreenerPastures.com
www.CharlottesvilleHorseFarmsandCountryHomes.com
www.Charlottesville.virginiablogpage.com

Plantation style estate home on 22 acres

 5 bedrooms,  4.5 Baths,  yr. built 2006,  4,017/864 sq. ft.,   $1,495,000

Gorgeous 2 story country home set amid 22 acres of pasture and rural beauty in Fluvanna Counry conveniently located near Charlottesville.  The land is perfect for a horse property or just enjoy the scenic views from the many porches and decks.  This luxurious home is perfect for entertaining or family living.  The first floor has a formal living room, a gourmet kitchen with a spacious dining area, and a master suite.  There is a second master suite on the second floor and both have fireplaces along with the living room and family room.  There are also two additional large bedrooms on the second floor, and there is separate guest suite above the two car garage.  This home also boasts a 15,000 watt whole house generator and a new spa that seats 7.

For more information please contact

Pam Dent, e-PRO, SRES
Real Estate III
Charlottesville, Virginia
      434 960-0161      
www.JumpintoGreenerPastures.com
www.CharlottesvilleHorseFarmsandCountryHomes.com
www.Charlottesville.virginiablogpage.com