To be totally prepared in today's fast paced market you need to complete a few simple tasks before the actual home search begins......

You will need to determine the price range of homes you can afford.  This can be done by sitting down with a loan officer and determining such things as the amount of funds you qualify for,  the down payment (if any) you need, the terms of the loan, and other options that are available. 

Local Lenders provide the best service and are familiar with local financing incentives. Below are some links to local lenders I recommend:

C & F Mortgage Corp

Skip Mudd 

C & F Mortgage Corp

Tim Murphy