Janay Richardson; Realtor with Keller Williams Coastal Virginia

Janay Richardson; Realtor with Keller Williams Coastal Virginia Licensed in the state of Virginia
#0225233366

I have a strong passion for relocating and assisting families during this special time in their lives.

It is my privilege to gain each client's smile!

09/25/2026

Debt-to-income ratio matters more than most buyers realize.

Lenders don’t just look at what you make… they look at what you already owe. Car payments, credit cards, and other debt can shrink your buying power fast.

Your DTI sets the ceiling. Let’s dial in your real number.

🏡 Quick question… what’s REALLY stopping you from buying a home?I talk to so many people who want to become homeowners b...
09/23/2026

🏡 Quick question… what’s REALLY stopping you from buying a home?

I talk to so many people who want to become homeowners but aren’t sure where to start—or they assume they’re not ready because of credit, savings, monthly payment, interest rates, or simply not knowing the process.

Here’s the thing: you don’t have to have everything figured out before talking to someone. Sometimes you just need a plan.

If buying a home is something you’d like to do in the next 6–12 months, comment “PLAN” below 👇🏽

No pressure and no judgment. I’ll reach out and help you figure out where you are, what your next steps should be, and what resources may be available to help you get there. 🔑🏡

You may be closer than you think.

09/22/2026

Your credit score does more than qualify you it directly impacts your rate. Even a small increase can save you thousands over time. Lenders reward consistency, and a higher score leads to better terms, so make your credit work in your favor 💳

09/18/2026

Buying a home: True or False edition 🏡

A good credit score means a better interest rate: True
You can’t buy a home without a 650 credit score: False
You can receive a free home value: True

Are you ready to become a homeowner? DM me!

09/15/2026

Still hunting for the right home? 🏡

Comment these 4 things below: location, beds + baths, style, and price range.

I’ll send you homes that actually fit.

09/11/2026

Living room + fireplace inspiration.

Explore these 5 options.

Comment below which is your favorite 👇

09/09/2026

A lot of people are sitting on more equity than they realize 💰

That changes what you can buy next… or whether refinancing even makes sense.

Send me your address, I’ll break down the numbers & your best options.

09/04/2026

Did you know… you don’t need 20% down to buy a home? 🏡

Many buyers put down far less. Conventional can be around 10–14%, FHA as low as 3.5% for qualified buyers, and VA or USDA loans can be 0% down.

20% isn’t a requirement for everyone. Want to know what you can afford? DM me.

New construction, but make it warm, modern, and unforgettable. 🤎🏡There’s just something about earth tones + two-tone cab...
09/04/2026

New construction, but make it warm, modern, and unforgettable. 🤎🏡

There’s just something about earth tones + two-tone cabinetry that makes a brand-new home feel instantly inviting.

And the best part about buying new construction? Depending on where we catch the build, you may get to choose the finishes that make it feel like YOU. ✨

Building or buying new in Hampton Roads? Let’s get you in early enough to make some of the fun decisions. 🔑

Address

Newport News, VA
23606

Opening Hours

Monday 8am - 5pm
Tuesday 8am - 5pm
Wednesday 8am - 5pm
Thursday 8am - 5pm
Friday 8am - 5pm
Saturday 8am - 1pm

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