Botetourt County and Roanoke Valley real estate and homes for sale in Virginia - Micki Patrick, REALTORS® Micki Patrick REALTORS(r) for Botetourt County and Roanoke Valley, Virginia real estate - NUMBER1EXPERTS™ Micki Patrick NUMBER1EXPERTS(tm) for Botetourt County and Roanoke Valley, Virginia real estate
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Micki Patrick, REALTOR®, real estate agents and broker for Botetourt County and Roanoke Valley Virginia home listings, property and land for sale - NUMBER1EXPERT(tm)




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Local Info: Botetourt County and Roanoke Valley Virginia home buying, real estate listings, and homes for sale in Botetourt                      County, VA
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The Roanoke Valley is Rich with Resources
 

The Roanoke Valley, with its four distinct seasons, provides an incredible value and quality of life to all its residents and visitors. It is centered in the gorgeous Blue Ridge Mountains of Southwestern Virginia, centrally located along I-81, a major north-south interstate, midway between New York City and Atlanta. Major cities and attractions, including Washington DC, the Atlantic Ocean and the Research Triangle are in every direction within a 2 to 5 hour drive. 

This area is also rich with Colonial History. In fact, Fincastle is and was the county seat of all Botetourt County, which back in the late 1700's extended from the Blue Ridge Mountains to the Mississippi River and up to the Great Lakes region. In the mid-to-late 1800's, Roanoke was formed from the town called "Big Lick" and developed as the major railway hub for all of Southwestern Virginia. There are many historical museums and points of interest in the area to fascinate and educate both children and adults, alike. 

Today, the Norfolk Southern/CSX Railroad is still a significant presence in our community, as is the Roanoke Regional Airport. The Valley is home to about one quarter million residents and supports several professional sports teams including baseball, basketball, hockey, soccer and arena football. We have many state-of-the-art medical and educational facilities in Roanoke and are closely linked to Virginia Tech and the New River Valley, increasingly known as "The Technology Corridor". Also, UVA & VA Tech have partnered to build the Carilion Biomedical Institute here in Roanoke City. 

Roanoke has many recreational and cultural resources to enjoy as well. The mountains provide a venue for a variety of outdoors sports including golfing, hiking, biking, skiing, fishing and boating. In less than 45 minutes you could be at any number of our regional wineries, or you can be at Smith Mountain Lake, one of the country's most popular resort and retirement communities with over 500 miles of shoreline. In town, we have live Theater, Opera, Ballet and the Symphony, the Historic Farmer's Market, Mill Mountain Zoo, festivals and events year-round, great restaurants, athletic clubs and much more. 

Request our Free Botetourt County and Roanoke Valley Relocation Package. It's packed full of useful and important information about the Botetourt County and Roanoke Valley, Virginia area. Don't move here without it! Remember: We'll send it to you for free and without obligation. Just fill out the form and we will send it right out...
 

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Real Estate Tips
Financing Your Home >Mortgage Terms

New mortgage loan products offer a more complex selection of terms. Lenders now offer mortgages that are blends of short-term ARMs and 30-year fixed-rate loans with a lower fixed-rate of interest for a period of five, seven or ten years. Be sure that you understand what happens at the end of the initial term before you sign on the dotted line for such a loan.

Many of these loans revert to a 1-year adjustable rate loan at the end of the initial term and can be adjusted once a year based on an index tied to the cost of money. You should know how much over the index your rate will be set and the limit or cap on how much your payments can increase. A "balloon" note requires the entire balance to be paid to the lender after the initial period of the loan ends. Most of these loans require the lender to guarantee to refinance the note at that point if payments have been timely. The lender should spell out how the re-finance rate will be determined and what costs will be involved. These loans can help you buy a more expensive house than you could afford with a 30-year fixed rate mortgage, but be sure that you understand the terms and the potential risks.

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Real Estate Trivia
Q 
What information does nearly every state in America require the seller of a home to reveal to the buyer?

A 
Most states require disclosure of any existing problems or conditions that could affect the value of the house.
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Micki Patrick, REALTOR®, real estate agents and broker for Botetourt County and Roanoke Valley Virginia home listings, property and land for sale - NUMBER1EXPERT(tm)

Micki Patrick, Associate Broker
RE/MAX All Stars

Serving Botetourt County & The Roanoke Valley
1225 Roanoke Road
Daleville, VA 24083
Micki's Phone: 540-992-4646
Toll Free: 800-507-9882
Fax: 877-806-2525
Dayna Patrick: 540-342-9600
Email: Micki@MickiPatrick.com

Micki Patrick is a top producing Realtor/Broker with 30+ years experience in the Roanoke Valley of Virginia, which includes Botetourt, Bedford, Craig, Franklin, Floyd and Roanoke Counties. Micki’s daughter, Dayna Patrick, a Realtor since 1990, with five years experience in the custom-home construction field, assists Micki in delivering creative and highly individualized service to our clients throughout the whole home buying and/or selling process. Micki and Dayna specialize in country property, residential homes, horse farms and unique properties of all types. Their love of the region, chosen after a countrywide search for the ideal place to live, contributes to their enthusiasm in helping families relocate to the Roanoke area. Whether helping you to buy or sell your special place, Micki and Dayna make a dynamic team and can help you achieve your real estate goals with ease. Share your vision with us, and let us bring our market knowledge, enthusiasm and expertise to work for you.

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