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All agents are NOT alike! Find out why I am a top real estate expert. Call me: 800-861-4224.
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Get Free Presentation On My Home Marketing.
Before signing a contract with any real estate agent, make sure you know EXACTLY how your home will be marketed.
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So Knowledgeable
“She must have gotten discouraged at times as our search occupied her time off and on for about three years. However, she never lost her patience...”
Melanie and George Phillips Wilmington, Ohio
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 Compare three
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Welcome! Here You Can Find Great Information on Smith Mountain Lake, Roanoke and Moneta, Virginia Real Estate  Looking for homes? Search everything the web has to offer, right here! Don't miss my Feature Homes. Need local real estate information? I've summarized much of what is important about the Smith Mountain Lake, Roanoke and Moneta real estate market in this site. Need expert advice? No web site, large or small, can take the place of a top real estate agent. Not even mine! This site is filled with ways that you can contact me for one-on-one expert help and advice. That's my job. Contact me with confidence! I guarantee your privacy will be respected. And I offer the services on this site for free and without obligation. Why? I want to be YOUR real estate agent. As your trusted, professional real estate partner, I will help you find the best home in your area within your price range. And together we will sell your home, for as much as the market will bear, and as quickly as possible. Buying and selling a home is one of the biggest events in your life. As a top Smith Mountain Lake, Roanoke and Moneta real estate agent, I have the experience and track record you are looking for. Please let me help. - Karlen Tinti 
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Financing Your Home >Mortgage Fears
It is not unusual for home buyers to feel that the lender is being very critical during the loan approval process. The buyer is required to provide all kinds of financial information, and then the lender asks for more. If this is your experience, and the process seems discouraging, remember that none of this is personal!
Some lenders have more stringent requirements than others, but every lender requires a substantial amount of documentation on a mortgage loan. They must verify employment, credit history, and recent financial transactions involving your liquid assets. If your Visa payment was late, they may ask for a letter explaining why. If you are self-employed, they will ask for tax returns from at least three years and probably a year-to-date profit and loss statement.
Government regulations require mortgage companies to document everything. And while the loan officer may know that you are a reliable risk, the underwriters must be able to defend the loan to a federal bank examiner or auditor.
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| Q |
What is the mysterious American island whose private owners are intent on preserving the ways of early island life?
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| A |
The Robinson Family, owners of Niihau, Hawaii, have done everything in their power to preserve traditional ways. |
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Karlen Tinti
Lake and Land Realty
16430 Booker T. Washington Hwy. Suite 17
Moneta, VA 24121
800-861-4224
540-420-4021
540-576-2200
Fax: 540-576-5048
Email: yourlakeconnection@NUMBER1EXPERT.com
I am Karlen Tinti, Associate Broker, with Lake and Land Realty, RELATORS, award winning agent and your FULL time Realtor here at Smith Mountain Lake. I hold a Virginia Broker's license, and I am dedicated to providing the finest service available. Having helped numerous clients purchase property, I go the extra mile to help you achieve your goals. I make it a priority to provide you with up-to-date information regarding local real estate values, taxes, municipal services, and most importantly, local-zoning changes that can influence your real estate choices.
Imagine waking up each morning to a beautiful lake view. I have enjoyed living at Smith Mountain Lake for over ten years. I would welcome the opportunity to show you what this unique area has to offer. Smith Mountain Lake offers a variety of activities that include all types of boating, fishing, swimming, water skiing, parasailing, golf, hunting and more. My specialty is waterfront homes and building sites. For lake living at its best, visit my website and call or email me today for a complete information package on this beautiful lake nestled in the magnificent Blue Ridge Mountains of Virginia.   
 
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