Smith Mountain Lake, Virginia USA: Smith Mountain Lake Boating Courses

Saturday, December 26, 2009

Smith Mountain Lake Boating Courses

Smith Mountain Lake Sail and Power Squadron
"Boat Virginia"

Date and Times to Come

Subjects

Choosing the right boat, Boat hulls, Motors, Legal requirements, Navigation rules, Cruising, Docking, Anchoring, Knots, Accidents, Alcohol safety, Fire on board, Weather, Trailering, Navigation, Water sports, Personal watercraft

Costs

Free instruction, text book and supplies

Please bring a soft lead pencil

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First Time Home Buyer Checklist and Preparation

Pre-Qualify with a Lender:

Saves you time in looking for the correct home buying price range that you can afford.

Gives you an opportunity to meet, ask, and learn with a loan representative as well as, allowing you to get acquainted and choose the person you want to do business.

If there is something on your credit that you are not aware or needs to be consulted, a good loan representative can direct you ways to dispute or help improve your current credit status. This would be the opportunity to gain insight on old credit that may need to be closed, rectified, or let alone.

You will learn mortgage terms and understand the process of homeownership.

Collect the basic documents for your lender:

Start a file with your current month’s paystubs (30 day), current 2 yrs tax returns, 2 months bank statements, divorce decree (if this applies), & any credit explanations (if this applies). This is a good start, but prepared to gather any other pertinent information the representative may need during the loan process.

Make a list of items you are looking for in a home:

This will help your realtor choose the right homes to preview and allow you to make a clearer decision.

It will help your realtor inform you of any market conditions and pricing that you may need to understand before looking.

It will begin a solid communication level between your realtor and you.

Have a prequel letter prepared from your loan representative to strengthen your offer to the seller!!!!!

Smith Mountain Lake, Virginia USA

Saturday, December 26, 2009

Smith Mountain Lake Boating Courses

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First Time Home Buyer Checklist and Preparation

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