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Lee Ann Ruby
REALTOR®, Associate Broker
Serving Metro Richmond
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First Time Homebuyer

So, you’re looking into buying your first home. Congratulations! You are about to go on a journey that will change your life. When beginning the homebuying process for the first time, it may seem challenging. Napier Realtors ERA has helped thousands of people just like you purchase their first home. Fill out a few brief questions and we can use our calculator to figure out what will work best for you.

Selling Your Home
Or, if you'd like to speak to a mortgage specialist about your specific situation, click here

After entering your Name and Email address, you'll be presented with a list of homes in the area you've chosen which you might be able to qualify for!

DISCLAIMER: The information provided to you is not legal advice and is all based on general estimates. Results do not pre-qualify or qualify for any loans. Napier ERA does not guarantee full accuracy and is not responsible for any errors or omissions. Additional personalized recommendations will require more specific information. Results should be used for comparisons only and may not reflect the accurate situation. It is imperative to consult with real estate and mortgage professionals to fully understand your homebuying circumstances. We're using a fixed 5% rate on a 30-year term and a 45% debt ratio for our calculations. Our mortgage provider, Movement Mortgage may be able to work with specific buyers in certain situations to increase the amount of loan you may qualify for.

Disclaimer: All information deemed reliable but not guaranteed. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) or information provider(s) shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless. Listing(s) information is provided for consumers personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information on this site was last updated 01/29/2023. The listing information on this page last changed on 01/29/2023. The data relating to real estate for sale on this website comes in part from the Internet Data Exchange program of CAAR MLS (last updated Sun 01/29/2023 1:55:29 PM EST) or CVRMLS (last updated Sun 01/29/2023 10:02:38 AM EST) or Williamsburg MLS (last updated Sun 01/29/2023 10:54:22 AM EST) or NNAR MLS (last updated Sun 01/29/2023 1:26:32 PM EST) or Chesapeake Bay & Rivers (last updated Sun 01/29/2023 12:50:24 PM EST). Real estate listings held by brokerage firms other than Napier Realtors ERA may be marked with the Internet Data Exchange logo and detailed information about those properties will include the name of the listing broker(s) when required by the MLS. All rights reserved. --

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