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First Time Homebuyers: Christiansburg, Riner and Floyd Virginia home buying, real estate listings, and homes for sale in Montgomery County, VA

Welcome > For Buyers > First Time Homebuyers ...

Buying Your First Home? REALTORSŽ Are Your Professional Guides. Make Sure You Choose Top Experts.

You might be a bit afraid or intimidated by the whole process of buying your first home. As top Christiansburg, Riner and Floyd real estate experts, it's our job to guide you, from beginning to end.

We will take the time to go through each and every step of the buying process. There are no dumb questions!

Together, we will consider:

- How much can you really afford?

- How to qualify for a mortgage.

- How much cash you should put down.

- How to buy a home with little or nothing down.

- What it takes to get approved for financing. What banks and other financial institutions are looking for.

- How much your payments will be.

- The tax advantages of buying.

- Is renting or buying better for you?

Tell us a bit about your situation below. We'll get right back to you. There is absolutely no charge, and we offer this to you with no strings attached.

New to the home buying process? Tell us your concerns. Ask us questions. It's our job to help! There's no obligation, and we promise to get back to you quickly...

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Curb Appeal >Trees Improve Energy Efficiency

Mature trees add "curb appeal" to a property and can make a home more energy efficient. Planted at the edges of a building, a tree's broad canopy of leaves softens the hard lines of architecture and offers shade. Trees absorb light reflected from the roof and decrease the air temperature surrounding your home through evaporation of moisture.

The positioning of trees and shrubs around your home has a significant effect on how much you'll be paying to heat and cool your house each month. According to the U.S. Department of Energy, even one strategically placed tree can reduce your heating and cooling bill up to 25 percent. In general, deciduous trees planted on the south and west sides of the house keep the home cool during the summer and allow low-angle sun into the home during the winter. If you live on a windy hill or coastal bluff, planting evergreen trees or shrubs on the north and west sides of your structure will help protect your home from winter gusts and storms.

Consult your landscape designer for advice about your particular property.

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Q	What is the largest city square in the world?
A	Located in Beijing, China, Tianamen Square, called the "Gate of Heavenly Peace", covers 98 acres.
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The Palmer Team, REALTORŽ, real estate agents and broker for Christiansburg, Riner and Floyd Virginia home listings, property and land for sale - NUMBER1EXPERT(tm)

The Palmer Team
Long & Foster Realtors
400 Roanoke Street
Christiansburg, VA, 24073
OFFICE: 540-382-1072
Joanne Palmer: 540-605-1072
Ricky Palmer: 540-605-1070
Darin Greear: 540-320-5859
Joanne Palmer: joanne@rinerva.com
Ricky Palmer: ricky@rinerva.com
Darin Greear: darin@rinerva.com
"We believe that our long-term success stems from building trusting relationships with our clients. Buying or selling property is a major event in most people's lives, both financially and emotionally. We strive to eliminate the stress by handling all of the details in a timely and professional manner, so our clients can relax and enjoy their experience. We want to have clients for life, so we try to exceed their expectations every day."
* The data relating to real estate on this website comes in part from the Broker Reciprocity/IDX (Internet Data Exchange) Program of the New River Valley Multiple Listing Service, Inc. Real estate listings held by brokerage firms other than Long & Foster REALTORSR are marked with the Broker Reciprocity logo (IDX) and detailed information about them includes the name of the listing broker.

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