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Laurel Smith
REALTOR®

Financing a Home Purchase

Financing a home purchase can feel incredibly overwhelming. Luckily, there are a number of loan officers in the area who are true experts and can educate you on your options. You do not need to have 20% of a home’s purchase price saved to buy a home! Please let me know if you are interested in learning about your financing options. I can connect you with someone who can help get the ball rolling.

  1. Talk to a loan officer about your options. I highly suggest speaking to someone local as the purchasing process tends to go much more smoothly when you are working with someone who understands the local market and picks up the phone when you need them! (Ultimately, who you choose to work with is entirely up to you!)
  2. Be prepared with a pre-qual letter so when you are ready to submit an offer, you are putting your strongest foot forward letting the seller know you are a qualified buyer.
  3. Once you are under contract, you have 5 business days to apply for your financing!
Disclaimer: All information deemed reliable but not guaranteed. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) or information provider(s) shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless. Listing(s) information is provided for consumers personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information on this site was last updated 04/19/2026. The listing information on this page last changed on 04/19/2026. The data relating to real estate for sale on this website comes in part from the Internet Data Exchange program of Delta Media Group MLS (last updated Sun 04/19/2026 12:20:46 AM EST) or CAAR MLS (last updated Sat 04/18/2026 11:10:09 PM EST) or Staunton MLS (last updated Sat 04/18/2026 11:40:13 PM EST) or HRAR MLS (last updated Sat 04/18/2026 11:29:09 PM EST) or Lynchburg MLS (last updated Sat 04/18/2026 9:32:56 PM EST) or Rockbridge, Lexington, Buena Vista MLS (last updated Sat 04/18/2026 4:00:07 PM EST) or Bright MLS (last updated Sat 04/18/2026 8:04:58 AM EST). Real estate listings held by brokerage firms other than Montague Miller & Co. Realtors may be marked with the Internet Data Exchange logo and detailed information about those properties will include the name of the listing broker(s) when required by the MLS. All rights reserved.
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Agency License Information: Montague, Miller & Co. is licensed in the state of Virginia.


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