6 — Say you saw it in Home Place of the New River Valley — Volume 10 Number 12

1344 N. Main St. Blacksburg, VA 24060

Rachel Anker-Johnson REALTOR, ABR, GRI, SRES

540-641-2241 •

: No, a home inspection is not required, but I always recommend that my buyers have a professional home inspection; it’s worth every penny! A home inspector will examine the home from roof to founda- tion, and all the mechanical systems inside. The inspector will give you a detailed report indicating any conditions that need immediate attention or repair, and items that aren’t problematic now but should be budgeted for in the future. Any conditions that need immediate attention or repair can often be negotiated with the seller, and as your Buyer Agent, I will help you navigate those negotiations.


It should be noted that a home inspection is not a pass/fail inspection. It is simply a snapshot in time of the current condition of the property, and it is up to the buyer to determine if they are comfortable with the current condition of the house. Virginia requires home inspectors to be licensed, but it’s also a good idea to make sure the inspector is ASHI or NACHI certified. When you hire me as your Buyer Agent, I will recommend reputable home inspectors with whom I’ve had great experiences.

W We Support Our Troops!

Chambers Realty 540-726-7221

New Price

ebsite: New Listing

New Listing

325602 Orchard Rd. Ballard, WV 3BR, 1.5 stories, HW, Central H/AC. Bsm’t, 1382SF, 4.55 Acres, Town water and 2 septic systems, updates, space for additional home w/ utili- ties $106,500

Call or Text Judy 304-660-9301 New Listing

: When I buy a home, do I have to have a home inspection? What if the house fails inspection?


Polly Zeiger Endowment Committee. He currently lives in Blacksburg, VA, and grew up in Danville, VA. Shawn and his family are also members of Blue Ridge Church in Christiansburg, VA. 401 S. Main Street, Suite 103, Blacksburg, VA 24060

Embrace Home Loans, Inc. NMLS ID # 2184 is licensed in 46 states plus DC. (

: I am a self-employed borrower so my tax returns reflect annual gross earnings far less than what I take home. Is there a program that I might qualify for with a 10% down pay- ment that will allow me to buy more home than what other banks are telling me? I am looking to buy a home to live in.

: Yes there is! At Embrace Home Loans, we have a loan product called Beyond. If you have stellar assets and employment history, we applaud unconventional. Beyond is a new financing solution for borrowers who don’t fit the typical mortgage guidelines. You might be unconventional if you own a business or are self employed, report a low adjusted gross income on tax returns, have some history of bankruptcy, have a prior foreclosure, modification, short sale or deed-in-lieu on their credit. Some of the highlights and qualifications of our Beyond program are Loans vauled up to $2.5 million, No PMI, higher LTV loans, Lower FICO score at 580, Designed for the self employed borrower who can show business cash flow or qualifying income on bank statements instead of tax returns.


Licensed as Embrace Home Loans, Inc. (NMLS ID#2184) ( ) Licensed in Virginia. Informa- tion is subject to change without notice. This is not an offer for extension of credit or a commitment to lend. NMLS 150473 - Licensed in VA and FL

David Shelor, Branch Manager 540-- 250-6002

Judy Gillespie, Broker/Owner Licensed in WV & VA

New Listing

Merry Christmas Happy New Year

403737 Peterstown, WV Ranch home 2 private acres w/ lots of wild game 2BR 1,260 SF furnishings, appli- ances convey, HP wood stove, carport $87,500 Call Kaye 304-646-4115

1.52 Acres

403746 Clover Hollow Rd. New Port, VA 4BR, 4.5BA, Colonial w/White Picket Fence, 3,890SF, Bsm’t, 5.17 acres, pond, HP, HW, owner/agent $331,500 Call or Text Olivia 540-599-5070

New Listing

403617 Peterstown, WV 3BR, 2BA brick ranch 0.85 ac. 1,614 SF appliances convey, full basement public utilities, rear porch, paved circle drive, Near Fountain Springs Golf Course $159,900 Call Kaye 304-646-4115

New Listing

403700 Peterstown, WV 3BR 2BA ranch 0.4 ac. public utilities 1,232 SF HP storage building porches, 4-car carport $88,900

Call Kaye 304-46-4115 93 Acres

403691 Red Sulphur Marie Rd . 4BR 2BA. HW and Tile Flooring. Updated Kitchen. Full Bsmt. Storage Shed and Barn. Country living! $159,900 Call or Text Jessica 304-320-7640

1.91 Acres

403709 Orchard Rd. Ballard, WV 4BR, 2BA, 2,000SF, 2.66 Acres, HW 1.5 story, Bsm’t, 1629SF, Mtn. views, built 2004, oversized garage, $242,500 Call or Text Jan 540-599-2775

New Price

403719 Givens St. Peterstown, WV 3BR, 2BA HP, 1,320SF, Partly finished, Bsm’t, Attached & detached Garages, Sun Porch, 1.04 Acres $159,900 Call or Text Jessica 304-320-7640

37.26 Acres

327153 Fork Road, Waiteville, WV Two Stories, 4BR, 2BA, 2-story 3,200 Sq. Ft. Springs, well, septic, cus- tom kitchen cabinetry, appliances convey, outbuild- ings $375,000

Call Clayton 304-753-9759

400184 Indian Mills Rd. Bozoo, WV Beautiful & Spa- cious 4BR, 3BA, HP, FP, 3420SF, Carport, Concrete drive, Appliances, Built ‘07, Near New River & Shank- lins Ferry $192,000 Call or Text Judy 304-660-9301

402249 Route 219 Lindside, WV 2-story commercial building, exc. location w/parking, 3BR apt. on upper level, with public utilities. Excellent location! $29,900 Call Clayton 304-753-9759

400247 Knobs Rd. Union, WV 37.26 Lays well, some timber, Exc. hunting, bldg sites, well, septic, Elec. Spring, New Survey $105,500 Call or Text Clayton 304-753-9759


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