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Linda Willer
Realtor®, CRS, ABR, SRES
RE/MAX Hall of Fame Member
Prompt, Polite & Never Pushy!
RE/MAX Action Real Estate
1770 Timberwood Blvd.
Suite 101
Charlottesville, VA  22911
Tel: 434.985.4094
Cell: 434-760.1421
Email: LindaWiller@remax.net

Providing high quality real estate services in the City of Charlottesville and the surrounding counties of Albemarle, Fluvanna, Greene, Louisa, Nelson, Madison & Orange.

Welcome

Welcome to Charlottesville101.com, your #1 source for local Charlottesville real estate information.

Looking for a new home? Use Quick Search or Map Search to browse an up-to-date database list of all available properties in the area, or use my Dream Home Finder form and I'll conduct a personalized search for you.  This is the spot to look for Charlottesville real estate information.

If you're planning to sell your home in the next few months, nothing is more important than knowing a fair asking price. I would love to help you with a FREE Market Analysis. I will use comparable sold listings to help you determine the accurate market value of your home.  Charlottesville101.com - the best spot for Charlottesville Real Estate information.

CHARLOTTESVILLE'S  1ST QUARTER 2017 MARKET REPORT NOW AVAILABLE!
Please click here for a copy of the 1st Quarter 2017 Market Report.

KIPLINGER RATES CHARLOTTESVILLE AS #1 PLACE TO RETIRE!  Click here to read more.

DID YOU KNOW THAT CHARLOTTESVILLE IS ONE OF THE TOP TEN HEALTHIEST PLACES TO LIVE? That's right AARP Magazine has names Charlottesville #7 of the top ten healthiest places to live and retire. Click here to read all about it.

PRESS RELEASE -  Linda Willer is inducted into the RE/MAX Hall of Fame.......Click here for the official press release.

SHORT SALE OFFERS If a home is being sold for below what the current seller owes on a property—and the seller does not have other funds to make up the difference at closing—the sale is considered a short sale. Many more home owners are finding themselves in this situation due to a number of factors, including job losses, aggressive borrowing against their home in the days of easy credit, and declining home values in a slower real estate market.

A short sale is different from a foreclosure, which is when the seller's lender has taken title of the home and is selling it directly. Homeowners often try to accomplish a short sale in order to avoid foreclosure. There are numerous short sales in our local market, but a short sale holds many potential pitfalls for buyers. Know the risks before you pursue a short-sale purchase. 
Click here to read more!
 
WANT TO KNOW WHAT'S HAPPENING AT CHARLOTTESVILLE'S DOWNTOWN MALL? Click Here to Check it Out.

HAVE A LEASE ENDING SOON?
With interest rates at an all-time low and inventory of affordable homes up, now's the time to buy that dream home!  Email Me today so I can show you how easy it can be.

THINK YOU SHOULD WAIT TO BUY A HOME? Consider the costs of waiting…
* Interest rates are at an all-time low and this affects the amount you can borrow. For example, a $200,000 house at 4.5% interest over 30 years has a monthly payment of $1013.37 per month (does not include taxes & insurance).  Here is the link to a calculator which can help you determine whether it is better to rent or to buy.  Click Here.

UNDER WATER WITH YOUR CURRENT MORTGAGE?  Read this article on five Federal Programs Homeowners Should Review in 2013.

NEGOTIATION
Good negotiators are both good listeners and good communicators, open-minded to new options, comfortable and focused. Negotiators know what the party they represent wants and are interested in understanding the needs of the other party. Negotiation is not the same as conflict. With proper negotiation, you have to know that neither party is looking to take advantage of you. Negotiation is not about getting what you want at the expense of the other party's happiness or the other party thinking that of you.

Masterful negotiators know how to put on the table the interests of the party they represent and how to reach those goals, often beyond just the price. They know when they should, and should not, mention that they have alternative options. A good negotiator should understand their party's bottom line that would be acceptable before walking away from a negotiation. If a negotiation can't be reached, what are the other options. Understanding this and the other party's motives has a significant influence on what happens in the negotation.

THE FIRST STEP IN HOMEBUYING - It is so important to get pre-qualified for a mortgage prior to beginning your home search. The lender can help you figure a monthly payment that will fit into your budget and determine a mortgage that meets your needs. Sellers will not accept a purchase contract in today's market without this letter.  I'll be happy to provide you with some good local lender referrals.......email me -
LindaWiller@remax.net.

PLEASE NOTE that properties on this website may or may not be listed by RE/MAX Affinity Group. At this time, housing prices have stabilized and interest rates are at an all time low, making it an excellent time to buy a home! More homes and fewer buyers in the marketplace means there's room to negotiate a closing cost credit.

TAXES - Property taxes in our area are based upon $100 of a properties assessed value:  Charlottesville City is .95, Albemarle County is .766, Greene County is .72, Fluvanna County is .5981, Louisa County is .65, Nelson County is .60, Orange County is .72, and Madison County is .67.

FHA UPDATE - As of 1/26/15, FHA is reducing its annual premium by 50 bps.  It is now 135 bps and is going to 85 pbs for a 97.75% loan.  This is good news for people who need FHA financing.

 CENSUS INFO - The City of Charlottesville is 10.4 sq miles with a population  of 43,956 (2012) and Albemarle County is 726 sq miles with a pop of 102,251 (2012). 

 WHAT ARE MY OUT-OF-POCKET EXPENSES TO BE PAID PRIOR TO CLOSING?
(1) When the Contract to Purchase is written, you will need to provide an Earnest Money deposit. $1,000 is the standard earnest deposit for our area, for properties valued up to $250,000. A property $250,000 - $350,000 would be best with earnest money up to $3,000, etc. The earnest money is deposited upon contract acceptance by the seller and is credited toward your closing costs.
(2) If the Contract to Purchase is contingent upon a home inspection or radon inspection, the inspector will expect $300 - $400 at the time of the inspection. This is non-refundable, regardless of the findings.
(3) Occasionally the lender will ask for an upfront payment for the appraisal ($300 - $450). Be sure to ask your lender upon first meeting.
(4) When purchasing homeowner’s insurance, the insurance company may ask for funds in advance ($200 - $500).

ASSESSMENT VS. FAIR MARKET VALUE VS. APPRAISED VALUE
Though sale prices are included in the assessment equation, assessments tend to fall under fair market value. Keep in mind that assessments are based upon the area’s economy and amenities and how the City’s budget works out so they can continue to support the amenities in the area.

It's hard to judge what percent over the assessed value is the fair market value. It really should be taken neighborhood by neighborhood. Fair market value is the price a buyer is willing to pay for a property, regardless of any CMA or appraisal. Fair market value is based on supply and demand, not just recently comparably sold properties for that neighborhood.

The appraisal value is a certified appraiser's estimate of the worth of a property, and is based on comparable sales, the condition of the property and numerous other factors. A mortgage lender will only lend up to the appraised value of a property in most cases.

LISTING YOUR HOME FOR SALE
Sellers value me for my skills, not just my services. Anybody can provide service. I apply my experience to the needs of my client. Staging, pricing, and marketing. Call or email for a listing appointment -
LindaWiller@remax.net.

BUYING A HOME IS MORE EFFICIENT NOW
When you don't have time to shop around for a home, I can bring the homes to you...via email! I have access to all homes on the market, regardless of the listing company or agent. Email me your criteria at
LindaWiller@remax.net.

SO, YOU'RE NOT FROM CHARLOTTESVILLE and are not sure where to begin? Write to me at
LindaWiller@remax.net and describe the home you're looking for with the price range. I'll let you know if your dream can become a reality, or maybe can suggest an alternative that will accomodate your family's needs. How exciting...a new home and a new lifestyle!

IS CHARLOTTESVILLE OUT OF YOUR PRICE RANGE?
Lake Monticello is just a 20-mile drive to UVA and Downtown. Choose a waterfront or golf front home with homesites averaging around 1/4 to 1/2 acre. Lake Monticello is a gated community built around a 352-acre private lake made for boating and fishing as well as an 18-hole PGA championship golf course surrounded by a nature feel. With over 4,000 homes and 22 miles of lake shoreline, homeowners and their guest can also enjoy five sandy beaches for swimming as well as a community swimming pool, private clubhouse, playground, basketball, soccer/softball/hockey fields, and tennis facilites. The neighborhood also offers fitness classes, card groups, and holiday entertainment.

Annual fees are low at $810 a year which includes trash pickup. Fluvanna County taxes are $.5981 for every $100 asessed value. Homes range from $140,000 to $600,000. Email
LindaWiller@remax.net for a list of homes in your price range!

FIDUCIARY DUTY
One of the earmarks of being a professional is that an individual has a fiduciary duty to his clients, clearly spelled out in a written code of ethics. Attorneys and Realtors have these standards. Non-professionals are workers who do not have a fiduciary obligation toward the people with whom they do business. The extent of this individual's ethical obligation is usually delineated by contract, informal standards of the industry, or traditional expectations of the company for which he works. More specifically, having a fiduciary duty requires a professional never to put his own interest above the interest of his client. It requires the highest good faith and fair dealing.

There really is a technical, traditional definition of "professional" status, which includes three criteria: (1) specialized knowledge; (2) group identification and membership; and (3) agreed-upon education and training, including ethics training, certification by examination and continuing education.

THE BIG THREE - You can improve your rates and save thousands on your mortgage by improving the three most important loan factors.
#1 Credit score target – above 650
• Clear inaccuracies from your credit report
• Pay your bills on time for at least 6 months
• Avoid unnecessary applications for credit
• Reduce your debts to below 35% of their credit limits
#2 Debt-to-income ratio target – 20-30%
• Pay off small loans
• Reduce your credit card balances
• Increase your income by co-signing with your spouse or parents
#3 Loan-to-value ratio target – less than 80%
• Increase your down payment to at least 20% of your new home
• Negotiate to reduce the price with the seller
• Select a less expensive home to purchase

You save time by starting your home search online right here, communicate with me by email or phone, and I will email you new listings as they come on the market. Call me at (434) 985-4094 or email
LindaWiller@remax.net.

CONDOMINIUM VS. TOWNHOME - A condominium is usually a one-floor unit with a balcony or first floor patio - there are condo association fees & regulations and you need to obtain condo financing rather than traditional financing because not only do you need to qualify for the loan, the condo association must also adhere to certain qualifications.  A townhome is what we call an attached home, it is financed much like a single family home, the only difference is your home is attached to another home.

Information deemed reliable but not guaranteed.

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Testimonials Page

"I can't say enough good things about Linda Willer!! She is reliable, enthusiastic, honest, supportive and genuinely cares about the needs of her clients. I know every realtor is supposed to be "working for the seller", but Linda works for her clients, no matter whether they are the seller OR the buyer. She is totally responsive - both to phone calls, texts and emails. We rarely had to wait longer than an hour for most email replies, and usually much less for texts. There was a boundary/legal issue with the property we purchased and she was most supportive throughout until the problem was successfully resolved. We are very grateful to have chosen her as our realtor!"
"It was an absolute pleasure to deal with Linda Willer. This was a difficult time for my brothers and I as we had to sell the home of our recently deceased sister. With all of us being out of state and country, Linda went above and beyond to take care of every need of attending to the sale of the house. She arranged for all of the needed services and inspections and kept a watchful eye on the vacant property. Her professionalism and attention to every detail made this process much easier on our family. We were in good hands with Linda. I would strongly recommend Linda to anyone looking for a professional and dedicated realtor!"
"Linda is phenomenal. She stayed with us for over a year to find the right house for us, always showing up with all the information we could need and a smile. She never wavered and facilitated in our best interest. You won't go wrong with Linda."
"Linda is knowledgeable, organized, prompt in responding to questions and contacts. She is ready to help with problems and has good advice for sellers. She is friendly, honest, and dedicated to being helpful. We would recommend her highly as your agent."
"Anyone looking for a realtor, especially if you are relocating like myself, will benefit from selecting Linda as your representative. My husband and I relocated from California and wanted a realtor who knew the Charlottesville area, responsive to our needs and was flexible. Linda is awesome! She was the only realtor who contacted me immediately to introduce herself and learn more about us and our housing needs. Within four weeks I flew to Charlottesville to tour several houses. Linda is personabl, highly professional and conscientious. None of the houses were to my liking however Linda continued to look for other houses before I left town. I was only in town for 3 days and really only two days for house viewing. Amazingly, Linda found two new listings and scheduled a viewing. One of the houses turned out to be my perfect house. I flew home and within one day my husband and I made an offer that was accepted a day later. Linda, thoroughly researched the specifics of the house, it was close to being a short sale, and insured everything went smoothly. Linda recommended many details to be included in the purchase agreement. From the beginning of our house purchase process to the closing and beyond, Linda was there. We are so grateful for Linda's assistance in finding our house. I highly recommend Linda to anyone who wants a smooth and positive experience in making a Life decision as big as buying your dream home. Linda is a STAR!"
"We came to Linda with a very general idea of what we wanted. Linda quickly sent us groups of listings that helped us drill down features into must-haves and nice-to-haves. Her local knowledge was key to helping us make the most of our time, especially given our requirement for high-speed internet, which may not be a common issue. Linda's expertise on process was thoroughly exercised by us - she spent a lot of time talking us through process and options. Linda is always available by phone and she's very quick to respond to emails. Her local knowledge and recommendations for lender, inspector, radon testing, etc. have again been time-savers as well as have given us a level of comfort in knowing someone who has had personal, positive experiences with them. Linda also has a "welcome to the area" package which is helpful to those of us relocating to the area. We wouldn't have had a successful closing without Linda's negotiation skills - she negotiated hard for us! We are totally happy with our experience with Linda and wholeheartedly recommend her."
"Linda helped us buy a home last year. We have been through the buying process 3 times in the last 18 years. This was by far the best realtor we have had. Linda is great and I can't say enough nice things about her! She is very personable, responsive, and knowledgable but when you combine that with her honesty, integrity, and genuine desire to do her absolute best to serve her clients, you end up with "5-star +" service. I would recommend her to anyone looking to buy a home/property especially in Greene County! Anne"
"I'm a first time home buyer & words can't say how lucky I was to have Linda Willer as my realtor. She is a true gem. She made the entire process one of the best experiences I've ever had. She is knowledgeable & available & there to make sure she finds you the house that was meant just for you. She goes above & beyond to make sure you know every step of the process. She's honest & holds nothing back, good or bad about the house she's showing you & what will be right for you. She's the best at what she does. I'm thankful she made my dream come true."
"I cannot recommend Linda Willer highly enough!! She has wonderful communication and follow through. She goes above and beyond with every interaction. She is knowledgeable, fair and honest. She continues to work until the job is done. I have worked with many realtors over the years and she is head and shoulders above the rest!"
"Linda was amazing! I first came in contact with her on a house she was the selling agent, I was clueless! She sent great information for me to read as a first time buyer doing it on my own. What she sent was exactly what I needed! Finding a home for my family was hard but she stuck with me and answered all of my questions (which there were a lot). She helped me find my dream home And made sure it became mine. It was a long process but she was right there with a smiling face the whole time. It was as if I was calling a friend every time I called her! I'm so thank full I found her as my agent!"
"We are still looking for our property; however, Linda has helped us for several months now and never gets tired of helping us find our perfect place. She is very quick to respond to our requests, and always positive and friendly. She has taken us several times to see places. One day it was all day since we are from out of town and she even fixed us sandwiches ahead of time knowing we'd have to keep on schedule! It has been a pleasure working with Linda. She keeps us informed of everything she knows about when something new comes to the market. We HIGHLY recommend her!"
"As a first-time home buyer, I was overwhelmed by the house market. For a long time, I did not know what I really wanted…… I asked Linda tons of questions, and always got explicit yet detailed answers. For all the houses we have looked, she gave us practical suggestion about the pros and cons for almost each of them. She fully considered our needs and never pushed us in decision-making. The complex purchasing /closing process of my current house was made smoothly by her thoughtful arrangements. I’m very satisfied with Linda’s professional attitude and practice."
"Linda was extremely patient and helpfull when I was shopping for my new home. I studied listings online for at least a year before I was ready to buy and came complete with a long list of "wants." She was ready with even more homes for me than I had found! She was there with answers about wells, septic fields and home warranties because these were new issues for me and the home inspector she used was extremely thorough--explaining and demonstrating appliances like the gas fireplace and jaccuzi tub operation for me."
"Linda helped me find a fabulous home that not only met my needs and wants but helped negociate a better than life price. Being new to the area her knowledge and understanding was invaluable. She made the experience fun and very informative. I strongly recommend that if you are looking for your next dream home or trying to see your current one she won't steer you wrong!"
".......we really didn't know how to go about choosing a realtor, and feel so lucky to have met you. You are just what your email promises: prompt, polite and not pushy. We have appreciated your guidance and advice throughout the home buying process - we certainly learned a lot from you! We hope that by the time we are in the market for another house, you will be happily retired, but will certainly recommend you to anyone who inquires in the mean time."
"If not for Linda we would have probably missed a fantastic deal on the home that we recently purchased. Linda was most helpful in meeting all of our needs, and handled every detail in the most professional manner. We have enjoyed working with her, and are positive that you will, as well. And, by the way, Linda also has a fantastic personality, always smiling, helpful in every aspect of her job. She does it well."
"Thank you for all your many, many hours. I can truly appreciate your organizational skills - our tours were spot-on! Even going above and beyond to show us homes in a snow storm - buy it worked and we found the perfect one that day...."
"We wanted to thank you so much for all of your help and guidance in this exciting time in our lives. We wouldn't want to work with anyone else. You will be highly recommended to anyone else we toak to moving to Charlottesville."
"....we had such a wonderful experience working with you from the start and appreciate your seeing us through all the ups and downs....."
"I want to let you know that I am so appreciative of everything you did for us. I think you are a fantastic realtor and a wonderful person. You couldn't have been better or more attentive throughout this process. I will continue to refer you to anyone I know who is looking for a realtor, as I trust that they couldn't be in better hands with you!"
"Thank you also for all of the work that you did to pull everything together for the purchase of our home. It was a little nerve racking, and I don't think we would have gotten through it as calmly without you. You are a trusted friend and advisor. You most definitely have our recommendation to our friends and family......."
"Linda responded quickly providing helpful local information and did an excellent job in processing the sale. Could not have been happier. I would and did highly recommend her to a neighbor to which she closed their sale with no hitches. Believe her ad when it says honest, listens to needs and never pushy. Truly she is a major asset when Selling or buying a property."
"As a first time buyer the proces for purchasing a house can be very overwhelming. I felt Linda was always very professional and knowledgeable about the home buying process. She was very good about getting back to me with any of my questions and quick to respond. She walked me through each peice of the process as it came along. She was very good as well about negotiating with the seller for us about any issues that came up. Overall she was very good."
"Linda did a phenomenal job helping me buy my home. She was there for me at every step in the process, answered all my questions, and offered additional information when she thought I could use it. Linda was a valuable liaison between me and the seller, gave me referrals for local inspectors, surveyors, etc, and even went with me to my closing to help with any additional questions I might have even up to the last minute. If you're looking for a Realtor, Linda is the professional you want!!"
"Linda worked very hard for us. She made sure we had all the information we needed and was great in her communications with us. She found us the perfect house. I really want to add that she is one of the most ethical real estate agents we have ever used. She always had our best interests in mind."
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ABR - Accredited Buyer RepresentativeCRS - Certified Residential SpecialistEqual Housing OpportunityMLS membershipREALTOR® certificationSRES - Seniors Real Estate SpecialistRE/MAX Hall of Fame Recipient