Do You Need Flood Insurance in Richmond VA? What Buyers Should Check

Written by the Mission Realty Team. You are required to carry it only if your structure sits in a FEMA Special Flood Hazard Area and…

How Much Are Property Taxes in Richmond VA and the Surrounding Counties?

Written by the Mission Realty Team. City of Richmond is $1.20 per $100 of assessed value. Goochland is $0.53. Here is the full published comparison…

What Lenders Look At Besides Your Credit Score in Richmond VA: DTI, Reserves and Job History

Written by the Mission Realty Team. What underwriters actually review beyond your FICO number

Can I Buy a House in Richmond VA with Bad Credit? An Honest Answer

Written by the Mission Realty Team. Real loan options and credit-repair strategies for Richmond VA buyers working with less-than-perfect credit.

Mortgage Escrow Accounts in Richmond VA: Taxes, Insurance, Shortages and Annual Analysis

Written by the Mission Realty Team. How your ongoing mortgage escrow account works after closing, including shortages, overages and whether you can waive it.

Is It Cheaper to Live Outside Richmond VA in a Surrounding County?

Written by the Mission Realty Team. On property taxes, unambiguously yes. On total cost of living, it depends on whether you trade a tax bill…

What Credit Score Do You Need to Buy a House in Richmond VA in 2026?

Written by the Mission Realty Team. The published program minimums are lower than you think - 580 for FHA, 620 for conventional, and no set…

Low Appraisal in Richmond VA: Your Four Options and How the Appraisal Contingency Protects You

Written by the Mission Realty Team. The four choices a Richmond buyer has after a low appraisal, and how your appraisal contingency shapes each one.

Down Payment Options in Richmond VA: VA, FHA and Conventional Minimums Side by Side

Written by the Mission Realty Team. Each loan program minimum down payment for Richmond buyers, what PMI costs, and Virginia assistance programs.

Title Insurance in Richmond VA: What the Owner’s Policy Actually Covers

Written by the Mission Realty Team. The one insurance policy that looks backward instead of forward