Choosing to buy or sell a house is one of the biggest and most expensive decisions you will make as an adult. It's exciting, but also can be overwhelming. There is no need to take on this monumental task by yourself. A real estate agent can offer their expertise, experience, and insight to help the home-buying process go smoothly. You're in the market for a new home!
To make such a major purchase, you'll need to get a mortgage. Whether this is your first home or your fifth, this is an important step in the homebuying process, and we're here to talk you through it! Mortgages Can Be Confusing Buying a home is typically the single largest purchase most. You have that feeling. You're done with renting and ready to join the ranks of nearly 80 million other U.S. homeowners.
So click your heels, repeat "There's no place like home, " and off you go! If only it were that easy. Finding the right home takes time, research, and guidance. Fortunately, working with an experienced local real estate agent helps.
To make such a major purchase, you'll need to get a mortgage. Whether this is your first home or your fifth, this is an important step in the homebuying process, and we're here to talk you through it! Mortgages Can Be Confusing Buying a home is typically the single largest purchase most. You have that feeling. You're done with renting and ready to join the ranks of nearly 80 million other U.S. homeowners.
So click your heels, repeat "There's no place like home, " and off you go! If only it were that easy. Finding the right home takes time, research, and guidance. Fortunately, working with an experienced local real estate agent helps.
Services
Why Should You Choose the Denise Ramey Team as Your Charlottesville Area Real Estate Professionals?.
We are licensed, FULL-TIME REALTORS in the Commonwealth of Virginia.
Anything less than full-time is less than you deserve when making such an important decision.
We work only for you in the real estate transaction.
This guarantees you that we will be protecting your interest throughout the process of buying or selling your home.
We have a full-time Transaction Coordinator, Jill Cianchini who is a licensed REALTOR and assists us with every aspect of your real estate transaction ensuring continuous communication with you during the entire listing or buying process.
We are licensed, FULL-TIME REALTORS in the Commonwealth of Virginia.
Anything less than full-time is less than you deserve when making such an important decision.
We work only for you in the real estate transaction.
This guarantees you that we will be protecting your interest throughout the process of buying or selling your home.
We have a full-time Transaction Coordinator, Jill Cianchini who is a licensed REALTOR and assists us with every aspect of your real estate transaction ensuring continuous communication with you during the entire listing or buying process.
When you are selling or buying property in Charlottesville and/or Central Virginia, it's important to have confidence in your real estate professional.
Our commitment as your local REALTORS is to provide you with the specialized real estate services that you deserve.
You'll want REALTORS who are knowledgeable of the neighborhoods, local economy, property rules, schools, etc. which are important to a real estate transaction.
We have a long history of assisting clients sell & buy real estate in the greater Charlottesville area and we'd love to help you with your real estate transaction.
Our commitment as your local REALTORS is to provide you with the specialized real estate services that you deserve.
You'll want REALTORS who are knowledgeable of the neighborhoods, local economy, property rules, schools, etc. which are important to a real estate transaction.
We have a long history of assisting clients sell & buy real estate in the greater Charlottesville area and we'd love to help you with your real estate transaction.
Denise was born in Keflavik, Iceland and has lived in Florida, California, Alabama, Maine, and Virginia.
Needless to say, she is a relocation expert!
Denise is the product of a Naval Military family.
As a child, she and her family ultimately settled in Florida as her father retired in Jacksonville.
She graduated from the University of Florida with a Bachelor of Arts with a major in criminal justice and a minor in speech communications.
Fifteen years as a sales executive with BellSouth offered Denise and her family the opportunity to move seven times before moving to beautiful Central Virginia.
Needless to say, she is a relocation expert!
Denise is the product of a Naval Military family.
As a child, she and her family ultimately settled in Florida as her father retired in Jacksonville.
She graduated from the University of Florida with a Bachelor of Arts with a major in criminal justice and a minor in speech communications.
Fifteen years as a sales executive with BellSouth offered Denise and her family the opportunity to move seven times before moving to beautiful Central Virginia.
Born and raised in Albemarle County, Ricky has 25+ years of experience in surveying, land development, real estate, and client representation.
He is committed to educate and represent his clients who are purchasing a property in central Virginia.
Ricky had been selling real estate since 2006 and joined the Denise Ramey Team in 2016 as a Buyer's Agent.
Ricky enjoys assisting buyers navigate the Central Virginia real estate market.
Ricky has 2 children in Albemarle County schools, Hayden and Race, who attend Burley Middle School.
He is committed to educate and represent his clients who are purchasing a property in central Virginia.
Ricky had been selling real estate since 2006 and joined the Denise Ramey Team in 2016 as a Buyer's Agent.
Ricky enjoys assisting buyers navigate the Central Virginia real estate market.
Ricky has 2 children in Albemarle County schools, Hayden and Race, who attend Burley Middle School.
Tony Girard spent 21 years in the home building industry and made the switch to become a REALTOR in 2007.
He was born in Louisiana and studied business administration at LSU.
He has held his license in Texas, Florida, and Virginia, and has lived in Tennessee, Mississippi, California too!
All these moves made Tony an expert in relocation and all the ins and outs of buying and selling.
He settled in the Valley in 2017, and loves all that this area has to offer!
Tony has experience ranging from moderately priced condominiums, to multi-milliondollar single-family homes and penthouses in the sky.
He was born in Louisiana and studied business administration at LSU.
He has held his license in Texas, Florida, and Virginia, and has lived in Tennessee, Mississippi, California too!
All these moves made Tony an expert in relocation and all the ins and outs of buying and selling.
He settled in the Valley in 2017, and loves all that this area has to offer!
Tony has experience ranging from moderately priced condominiums, to multi-milliondollar single-family homes and penthouses in the sky.
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