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CreditGuard of America

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CreditGuard of America

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12 years of experience

AMERICA’S MOST TRUSTED SOURCE FOR DEBT AND CREDIT SOLUTIONS. CreditGuard of America, Inc. is an independent, nonprofit credit counseling agency that is committed to providing innovative solutions for simple to complicated debt and credit issues. CreditGuard provides credit counseling and debt management along with free financial education to consumers throughout the United States, using state-of-the-art technology and superior customer service.

AMERICA’S MOST TRUSTED SOURCE FOR DEBT AND CREDIT SOLUTIONS. CreditGuard of America, Inc. is an independent, nonprofit credit counseling agency that is committed to providing innovative solutions for simple to complicated debt and credit issues. CreditGuard provides credit counseling and debt management along with free financial education to consumers throughout the United States, using state-of-the-art technology and superior customer service.


Karen Krajc Barnett Realtor

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Karen Krajc Barnett Realtor

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15 years of experience

Everyone knows what it feels like to receive great customer service. The secret to providing that is loving your job, and nobody loves real estate like I do. I absolutely love my job; there is nothing like the feeling of finding a dream home for a customer. I love dealing with all sorts of people and connecting on a personal level with them. It is why I am able to go to work everyday with a smile and effortlessly provide seamless, professional, and unbeatable service! I am married to Rhandy Barnett, former coach and school teacher in Mercer County. Although we live in Princeton, my hometown is Gary, WV located in McDowell County. I gladly serve as a member of the Executive Board for the Mercer Tazewell County Board of Realtors to make policy and procedure and ensure the rights of Realtors. I have been involved in Real Estate since 2001, having started in Lakeland, FL as a Broker Assistant before coming back to West Virginia and starting with ERA Advantage Realty. I am a member of the NAR and specialize in many fields from residential sales and luxury homes to first time home buyers or down-sizers. I have been awarded with the “Sales Achievement Award” for 3 years running, and with my excellent attention to detail, fantastic attitude, and local knowledge, I am a step above the rest and will not be dropping that title anytime soon! Call or email me today, let me show you how fun real estate is supposed to be!

Everyone knows what it feels like to receive great customer service. The secret to providing that is loving your job, and nobody loves real estate like I do. I absolutely love my job; there is nothing like the feeling of finding a dream home for a customer. I love dealing with all sorts of people and connecting on a personal level with them. It is why I am able to go to work everyday with a smile and effortlessly provide seamless, professional, and unbeatable service! I am married to Rhandy Barnett, former coach and school teacher in Mercer County. Although we live in Princeton, my hometown is Gary, WV located in McDowell County. I gladly serve as a member of the Executive Board for the Mercer Tazewell County Board of Realtors to make policy and procedure and ensure the rights of Realtors. I have been involved in Real Estate since 2001, having started in Lakeland, FL as a Broker Assistant before coming back to West Virginia and starting with ERA Advantage Realty. I am a member of the NAR and specialize in many fields from residential sales and luxury homes to first time home buyers or down-sizers. I have been awarded with the “Sales Achievement Award” for 3 years running, and with my excellent attention to detail, fantastic attitude, and local knowledge, I am a step above the rest and will not be dropping that title anytime soon! Call or email me today, let me show you how fun real estate is supposed to be!


Stevens' Realty & Management

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Stevens' Realty & Management

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32 years of experience

Where our customers are the bright spot of our day. They deserve "a place for everyone." and "The friendship of those we serve is the foundation of our business." Gifts To Go Gift Shop located at Parsons Office Vacation Rentals Available Professional Rental Management Department of Motor Vehicles License Service Temporaries, Titles, Transfers Fax, Notary and Copy Service Available Proud Supporter of the Tucker County Mountain Lions & Philip Barbour Colts

Where our customers are the bright spot of our day. They deserve "a place for everyone." and "The friendship of those we serve is the foundation of our business." Gifts To Go Gift Shop located at Parsons Office Vacation Rentals Available Professional Rental Management Department of Motor Vehicles License Service Temporaries, Titles, Transfers Fax, Notary and Copy Service Available Proud Supporter of the Tucker County Mountain Lions & Philip Barbour Colts




Coldwell Banker Stuart & Watts Real Estate

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Coldwell Banker Stuart & Watts Real Estate

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16 years of experience

Welcome to Historical Lewisburg, West Virginia and the Greenbrier Valley. Tom & Terri Johnson, agents at Coldwell Banker Stuart and Watts Real Estate, are your source for real estate needs in Lewisburg. In today's competitive real estate market, timing is everything. Many good homes are sold before they are ever advertised. Beat other homebuyers to the hottest new homes for sale in Lewisburg with our New Listings Notification. If you own real estate that you're thinking of selling, we would be happy to provide you with a FREE Home Evaluation. Whether you are buying or selling a home, hire someone like ourselves, who wants to earn your business. We invite you to contact us as we would be happy to assist you with this important transaction. In addition, if you have any general questions about buying or selling real estate in West Virginia, please contact us. Please browse our website for listings, reports and important local real estate information. Sincerely, Tom & Terri Johnson Coldwell Banker Stuart and Watts Real Estate

Welcome to Historical Lewisburg, West Virginia and the Greenbrier Valley. Tom & Terri Johnson, agents at Coldwell Banker Stuart and Watts Real Estate, are your source for real estate needs in Lewisburg. In today's competitive real estate market, timing is everything. Many good homes are sold before they are ever advertised. Beat other homebuyers to the hottest new homes for sale in Lewisburg with our New Listings Notification. If you own real estate that you're thinking of selling, we would be happy to provide you with a FREE Home Evaluation. Whether you are buying or selling a home, hire someone like ourselves, who wants to earn your business. We invite you to contact us as we would be happy to assist you with this important transaction. In addition, if you have any general questions about buying or selling real estate in West Virginia, please contact us. Please browse our website for listings, reports and important local real estate information. Sincerely, Tom & Terri Johnson Coldwell Banker Stuart and Watts Real Estate



PREFERRED PROPERTIES INC

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PREFERRED PROPERTIES INC

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Preferred Properties has 25+ years of experience with West Virginia Real Estate. Our realtors will help you in the buying or selling of your WV home. If you are looking to buy or sell a home in North Central West Virginia, look no further. Search Preferred Properties WV Real Estate listings from virtually any computer, table or smart phone. See a listing you like? Call one of our realtors today!

Preferred Properties has 25+ years of experience with West Virginia Real Estate. Our realtors will help you in the buying or selling of your WV home. If you are looking to buy or sell a home in North Central West Virginia, look no further. Search Preferred Properties WV Real Estate listings from virtually any computer, table or smart phone. See a listing you like? Call one of our realtors today!



NVR Inc

1.50(
2
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NVR Inc

1.50(
2
)
77 years of experience

NVR, Inc. operates in two business segments: homebuilding and mortgage banking. The homebuilding unit sells and constructs homes under the Ryan Homes, NVHomes, Fox Ridge Homes and Heartland Homes. As a corporate entity, NVR, Inc. provides various support functions for each of its sub-entities. These include sales and marketing support, vital human resource specialists, and an advanced information technology department, which provide a network of resources utilized by NVR, Inc. holdings.

"We absolutely love our new Ryan home, which is ready to move into. Jon, the construction manager was true to his word, and had the Home completed by the end of May. However., DO NOT GO WITH NVR MORTGAGE! We were supposed to close June 7, and Martha from NVR knew we wanted an early June close, I was retiring July 1st, and our mortgage was based on my pension MONTHS AGO. Now, a few weeks before closing after we scheduled a TON of services including movers, truck, friends taking off to help, babysitters for kids, and have a buffer of 3 weeks before we have to move out of a rental end of June; Martha tells me they require a certain letter from the pension that I will not receive until mid-july. Because of this they initially said we couldn't close until July. Then it is June 20th. If she provided us with this information months ago, we could have planned differently. Now we are scrambling to figure out what to do. So, I repeat, DO NO GO WITH NVR MORTGAGE. I'm not the only one either. I just spoke to our new neighbors who broke off with NVR and Martha after 6 months before closing because of similar issues. DO NOT GO WITH NVR MORTGAGE!!!! it should be NO STARS FOR NVR MORTGAGE."

Donald C on May 2023

NVR, Inc. operates in two business segments: homebuilding and mortgage banking. The homebuilding unit sells and constructs homes under the Ryan Homes, NVHomes, Fox Ridge Homes and Heartland Homes. As a corporate entity, NVR, Inc. provides various support functions for each of its sub-entities. These include sales and marketing support, vital human resource specialists, and an advanced information technology department, which provide a network of resources utilized by NVR, Inc. holdings.

"We absolutely love our new Ryan home, which is ready to move into. Jon, the construction manager was true to his word, and had the Home completed by the end of May. However., DO NOT GO WITH NVR MORTGAGE! We were supposed to close June 7, and Martha from NVR knew we wanted an early June close, I was retiring July 1st, and our mortgage was based on my pension MONTHS AGO. Now, a few weeks before closing after we scheduled a TON of services including movers, truck, friends taking off to help, babysitters for kids, and have a buffer of 3 weeks before we have to move out of a rental end of June; Martha tells me they require a certain letter from the pension that I will not receive until mid-july. Because of this they initially said we couldn't close until July. Then it is June 20th. If she provided us with this information months ago, we could have planned differently. Now we are scrambling to figure out what to do. So, I repeat, DO NO GO WITH NVR MORTGAGE. I'm not the only one either. I just spoke to our new neighbors who broke off with NVR and Martha after 6 months before closing because of similar issues. DO NOT GO WITH NVR MORTGAGE!!!! it should be NO STARS FOR NVR MORTGAGE."

Donald C on May 2023

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Real Estate Agents questions, answered by experts

If the value of the home you want to buy is appraised at less than the price of the offer, you may not be able to obtain a loan for the offer amount. Lenders want to ensure that the amount they’re lending isn’t more than the market value of the property, so you may have to increase your down payment to reduce the loan amount or get a second appraisal if you still want to proceed with the purchase.

Yes, if your home is poorly maintained and has weeds and overgrowth, it can affect your home appraisal and lower the value. Home buyers want to see a well-kept home, and if yours lacks curb appeal whether inundated by weeds or not, you could be neglecting the potential for it to reach its full value.

You may be able to negotiate an as-is purchase, but many sellers who list their homes as-is aren’t willing to lower their asking price since they’ve already accounted for the price of repairs. Homes are often listed as-is for a quick sale, so there’s a chance a seller may negotiate in order to make the sale—it never hurts to ask.

Whether or not new windows increase property taxes depends on where you live and by how much your upgrade increases your home’s value. Smaller projects likely won’t result in increased property taxes, but it’s always a good idea to err on the side of caution and check. Contact your local county appraisal department for the most accurate information about property taxes in your area. 

If you’re selling a home and the appraisal comes in lower than an offer, you’re effectively getting more for your home than it’s worth. If you’re a buyer, it means you may be overpaying. Some buyers may try to reduce their offer amount to match the appraisal, but if they signed an agreement already at the offer price and the agreement didn’t make the sale contingent on the appraised value, there’s often no option to negotiate. Keep in mind that a low appraisal may push your loan-to-value ratio too high, meaning a lender may not give you a mortgage.

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