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"ReMax Commonwealth Group is proud to recognize Ellen as the company's 'Agent of the Year' for 2001."
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Ellen Clark is one of The Top Selling Real Estate Experts™
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Ellen Clark, REALTORŽ, real estate agent and broker for Richmond Virginia home listings, property and land for sale - NUMBER1EXPERT(tm)

Welcome! Here You Can Find Great Information on Real Estate in Richmond, Virginia and the surrounding areas.

Looking for homes? Search everything the web has to offer, right here! Don't miss my Feature Homes.

Need local real estate information? We've summarized much of what is important about the Richmond, Chesterfield, Goochland, Fort Lee, Powhatan, New Kent and Midlothian market in this site.

Need expert advice? No web site, large or small, can take the place of a top Realtor. Not even ours! This site is filled with ways that you can contact us for one-on-one expert help and advice. That's our job.

Contact us with confidence! We guarantee your privacy will be respected. And we offer the services on this site for free and without obligation. Why? We want to be YOUR Realtor. 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 Richmond and surrounding areas Realtor, we have the experience and track record you are looking for. Please let us help.

-The Ellen Clark Team

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Virginia Public, Private and Charter Schools: Compare them using these top-rated, comprehensive reports.

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Financing Your Home >Lenders Want to Say Yes

If you wish to buy a home but consider yourself incapable of getting credit, you may be living in the past in terms of assessing your financial situation. Lenders have become more flexible in underwriting mortgage loans.

A recent survey of mortgage lenders revealed some interesting trends. Ninety-six percent of those surveyed had cut their standard down payment requirements for moderate-income buyers, and 93% said they are more lenient regarding debt-to-income-ratios. Ninety-four percent of those surveyed said they now have more flexible approaches to credit histories, and look at rent and utility payments more than credit cards. Seventy-nine percent of lenders say they have relaxed employment criteria. They now look more at your capacity to generate a stable flow of income rather than requiring a long history at one job.

There are more lenders today, and they are in fierce competition with each other. The home loan industry has created entire markets that cater to those with less-than-perfect credit.

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Q	Which house over 100 years old still holds the title as the largest house in the U.S.?
A	The 250-room Biltmore House in Asheville, NC, built 1890-1895 at a cost of $4.4 million, is the largest house in the US.
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Ellen Clark
Re/Max Commonwealth Group
1231 Alverser Drive
Midlothian, VA. 23113
Toll Free: 800-448-3287
Office: 804-794-2150
Pager: 804-794-2150
Fax: 804-739-3375
Email: ellen@ellenclark.com

Ellen Clark has Twenty years experience in Real Estate industry. She has been a Top Producer since 1996. Ellen Clark is a professional who enjoys what she does. As she says, "I love what I do and hope that is reflected in my work. I am sincerely committed to serving my clients and making their needs a priority. It gives me enormous satisfaction to help people make such an important decision."

CRS CRS ePro Equal Housing GRI MLS REALTOR wcr