Changing homes can be exciting, challenging, fun and rewarding. It can also be complex and stressful. That’s where we come in. From making the decision to relocate to getting you comfortably settled into your new home, our team is committed to making your moving experience enjoyable and hassle free.
I know this locale from the roots up, the property values, the amenities, which homes are coming up for sale, and anything else you may wish to know about the neighborhoods. Earlier experience in construction, residential and commercial development has made real estate a natural progression for me.
Our goal is to provide the finest real estate service in our area. Quality before quantity. Our website is designed to help you gather information and make an educated and well-informed decision when you decide to buy or sell property. 
If you are new to the Fredericksburg area be sure to check out our "Local Info" section that offers loads of information on schools, neighborhoods, the local economy and, of course, the current state of the real estate market.
If you are in the market to buy a home, check out our "For Buyers" section that offers some great information on the home buying process including tips on moving. Sign up to get the hottest new listings emailed to you as soon as they become available.
Our "For Sellers" section provides plenty of advice on how to properly prepare your home for sale to ensure the best price possible and you can obtain a free market analysis of your property to help you determine it’s current value.
Being born and raised in Fredericksburg has provided me with strong ties to the area, allowing me to become one of its most successful Realtors!
You won’t go wrong if you choose me to represent you in buying or selling your home, ranch or commercial property.
I love my work and I am good at it. This shows in each and every transaction. My no pressure, friendly approach and top-notch expertise and resources contribute to making buying or selling in Fredericksburg both a good investment and a satisfying experience.
- Dennis
Financing Your Home >More On ARMs
Lenders are always looking for new ways to help buyers get into the home of their dreams. Today they frequently use adjustable rate mortgages (ARMs) to increase the buyer's options. The interest rate on an ARM changes periodically to reflect changes in the national market. Since the loan starts at a rate that is lower than the national average, lenders can reduce the borrower's qualifying criteria.
One way to distinguish between different ARMs is by the national index to which they are tied. Some ARMs are tied to a slow-moving index called the cost-of-funds index; these are usually the most desirable. ARMs that are tied to a more volatile index, such as Treasury Notes, can be adjusted upward at a quicker rate. Look at all the factors before choosing a loan. The faster index loan may start out with lower rates and lower monthly payments, but the slower index ARM may eliminate your concern about having to re-finance down the road.
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| Q |
What area in the U.S. is known for its pre-civil war mansions?
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| A |
Natchez, Mississippi boasts over 500 pre-civil war-style mansions; many are open to the public as museums. |
 See More Real Estate Trivia > |
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