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Throughout The Years
"We are writing this letter to acknowledge all the work that Karlen Tinti has completed on our behalf. We looked for property on Smith Mountain Lake for several years before we found the right property at the right time. Prior to our purchase, Karlen stayed with us through out the years and kept us abreast on any new listings. She never gave up hope in us. When we finally bought property Karlen continued to assist us, when others would have considered their task complete. Karlen continues to keep us abreast on any important issue/news that occurs around the Smith Mountain Lake. In the past year, we contracted a builder to build a dock our property. Since we are not a local resident, Karlen assisted us to assure the dock was completed.
Through the years, we could honestly say that Karlen Tinti has become a friend more than a real estate agent. If she treats all her customers the same way she treats us, we are sure Karlen has made many new friends on the Lake. We would not hesitate in recommending Karlen to anyone as an agent and a friend."
Steve & Cindy Tarascio
You have a story to tell about me. You've worked with me, and I've helped you buy or sell a home. I need your feedback. Others need your feedback, too! Please take a moment to fill out this form and tell me how I did... 
Financing Your Home >Your Mortgage
Many homeowners overlook the mortgage payment as a tool for financial management. They get the mortgage, move in, make the payments, and pay off the loan eventually. Smart homeowners know that by properly adding to their monthly payments, even by a small amount, they can substantially reduce the term of their loan, not to mention the total interest they will pay. In fact, prepaying one full year of a standard mortgage can save thousands of dollars in interest. The key is to do it properly and to find the right lender for whom prepayment is not a problem.
More progressive lenders allow the option to add money to the monthly payment which goes directly to the principal. How much should you add? It's largely a personal decision, and it depends on your cash flow. But be mindful of the fact that the mortgage interest rate is probably the lowest interest loan you will find, so don't short yourself with prepayment only to run up credit card debt!
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What criteria determines the hottest real estate markets?
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Job/personal income growth; population/household growth; housing affordability/appreciation; and current inventory of homes for sale. |
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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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