Sean Craft
804 338 3800804 338 3800

recent posts

New Laws Surrounding Home Purchase Closing Regulations Start Oct 2015

The Consumer Financial Protection Bureau has announced that the effective date of the TILA-RESPA Integrated Disclosure rule originally set to go into effect on August 1, 2015 has been delayed until October 1, 2015. The new loan documentation requirements include two new forms,the Loan Estimate and the Closing Disclosure. These new forms are intended to give consumers […]

MCC First Time Home Buyer Program

Boost the tax benefits of owning a home! VHDA Mortgage Credit Certificates If you’re buying your first home, a Mortgage Credit Certificate (MCC) from VHDA could save you thousands of dollars by reducing the amount of federal income tax you owe. Unlike an income tax deduction, an MCC is a dollar-for-dollar credit against your federal […]

#RVA – Richmond’s Top Three Wealthiest Zip Codes Based on Income

Richmond Area Wealthiest Zip Codes Ranked by 2014 Median Household Income Rank Zip Code Post Office Name Zip Code Population Household Income Median Income % Change Net Worth Median Average Disposable Income Median Average Home Value Median Average Total Households Average Household Size Median Age Median Average Per Capita 1 23113 Midlothian, VA 24,254 $124,946 […]

How Low Credit Scores Effect Home Purchasers

Freddie Mac Lays Out Importance of a Consumer’s Credit Score in Homebuying money-fourSince a borrower’s credit score influences a lender’s decision on whether or not to give that borrower a single family mortgage loan, the importance of having a good credit score when buying a home cannot be underestimated, according to Freddie Mac’s blog on […]

Richmond Virginia: America’s First Successful Electric Trolley System

The Richmond Union Passenger Railway, in Richmond, Virginia, was the first practical electric trolley (tram) system, and set the pattern for most subsequent electric trolley systems around the world. It is an IEEE milestone in engineering.[1] The Richmond system was not the first attempt to operate an electric trolley. According to the IEEE, there were […]

3309 Barton Avenue, RVA, 23222 $179,950

c. 1926 Fully Renovated American Four Square. A lovely combination of old and new! Lovely full front porch welcomes you with original side light and transomed entryway. Great space and flow for entertaining. Renovation includes Thermal Windows, exterior paint, refinished hardwoods, fresh designer paint, new fixtures, FIRST FLOOR: Spacious entry foyer with beautiful open staircase. […]