M & M Realty

11/28/2025

Wishing you and your family a blessed and peaceful Thanksgiving. ❤️

11/11/2025

01/30/2018

Did you know that “when fats, oils, and grease are poured down the drain, they cling to pipe walls and solidify - causing sewer blockages, backups, and costly repairs.”

Read more from the City of Virginia Beach Public Utilities -

https://pu.virginiabeach.gov/conservation-education/fats-oil-grease

03/27/2016

Home Buying Process

First step is to get approved from a lender

If you do not have a pre-approved or pre-qualified letter from a lender, we recommend that you contact your current bank or credit union since you already have an established business relationship with them and apply for a mortgage loan. They would be the one to tell you how much mortgage/house they will lend you base on income, debt, employment, and credit history.

Some of these lenders are able to provide a pre-qualification letter within an hour, a day, or a week to help you get started with the home search. Please call 757-716-8286 for a list of lenders that you can use or ask your current bank if they offer first mortgage loan.

If approved, request the letter, estimated closing cost and down payment (if needed). Also, ask your lender if the approval is also good for condominium. The lender will educate you on where the funding can come from according to the loan guidelines (ex. closing cost can come from the seller, 401K, gift from family, etc)

The pre-approval letter is your ticket to start searching for homes within your pre-approval amount and your family budget. As your real estate team, we will research your specific criteria and send you available listings daily or weekly.

Here are some criteria that we need to help you find your dream home:

o Single family, town homes or condo
o City/neighborhood or zip codes
o # of bedrooms
o # of full bath
o # of half baths
o 1 or 2 stories
o fence yes/no
o garage 1-2 or yes/no
o fireplace y/n
o year built
o and you can add other criteria such as near freeway, certain school, etc.

If not approved, ask the loan officer for help in preparing you for future qualifications. A good lender will guide you to get a better credit score or lower your debt-to-income ratio for future qualification.

I hope this information help you get started in your pursuit of owning a home.

Contact M & M Realty for all your real estate needs 757-716-8286

01/31/2016

FACTS ABOUT NEW CONSTRUCTION HOMES

In general, builder's model homes are typically staffed by agents who work directly and represent the builder. Also, most builders require that the real estate agent accompany and register the buyer on their first visit to the model homes. Before you decide to "stop by" and view new construction or new model homes, it is to your best interest to hire a buyer's agent and bring her or him with you to the site.

M & M Realty would love to have the opportunity to represent you in purchasing a new home. Just call us at (757) 716-8286 for more information.