How to Take Title in Virginia: Tenants by the Entirety, Joint Tenants and Tenants in Common, and Why the Choice Matters at Closing

How you take title decides what happens to a Virginia home at death, divorce, sale and creditor claims. We read the Code of Virginia sections…

Buying a Home on Well and Septic Near Richmond: What Virginia Actually Requires (and What Your Lender Will)

Virginia does not require well or septic testing at the sale of an existing home - here's what actually drives testing on a Richmond-area well-and-septic…

Non-Warrantable Condos in Richmond: What Makes a Condo Hard to Finance and What Buyers Can Do About It

Some Richmond condos do not qualify for standard financing. Here is what makes a condo non-warrantable and what buyers can do about it.

Old Electrical Panels in Richmond Homes: Federal Pacific, Zinsco, Fuse Boxes and What Insurers and Inspectors Say

Federal Pacific Stab-Lok, Zinsco, fuse boxes, split-bus panels and 60-amp service all show up on Richmond-area inspection reports. Here is what the federal record says,…

Rental Caps, Investor Limits and Rights of First Refusal in Richmond Condos and HOAs

Virginia associations cannot stop you renting your unit unless the recorded documents say they can. What the Code allows, what it caps at $50, and…

How to Hire a Mover in Richmond: What Virginia Requires, What an Estimate Really Means and How to Spot a Scam

What the Virginia DMV and the Code of Virginia require of household goods movers, how binding and non-binding estimates work, what valuation coverage buys, and…

Co-Borrowers and Non-Occupant Co-Signers on a Richmond Mortgage: What Lenders Require

A parent helping you buy a home in Richmond can be a co-borrower or a non-occupant co-signer. Here is how each one works and what…

Buying a Manufactured or Modular Home in the Richmond Area: Financing, Titling and What Changes at Closing

Manufactured vs. modular vs. mobile homes explained, plus how chattel loans, VA/FHA/USDA financing, and Virginia's DMV title elimination process affect financing and closing.

Wood-Destroying Insect Reports in Richmond: What the Inspector Checks and Why Crawl Spaces Fail

What a wood-destroying insect report actually records, why vented crawl spaces and the regional climate produce so many findings around Richmond, who is licensed to…

Who Insures What in a Richmond Condo: The Master Policy, Your HO-6, and the Gap Between Them

Virginia law does not require your condo association to carry a master casualty policy; the declaration does. What that means for the drywall, the cabinets,…

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