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Welcome to The MacDoc Realty Team's Fredericksburg, Spotsylvania and Prince Williams County Real Estate Website

Welcome! Whether you are looking at Fredericksburg homes or Spotsylvania, Prince William or Stafford Real Estate, MacDoc Realty has everything you need from properties to property management.

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Looking at homes for sale in Fredericksburg or the surrounding area? Search everything the web has to offer, right here! Don't miss our Featured Homes.

Need local Real Estate information? We've summarized much of what is important about the Fredericksburg, Spotsylvania, Prince William County and Stafford Real Estate markets in this site.

Need expert advice? No web site, large or small, can take the place of a Real Estate agent. 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.

We have Real Estate professionals available 24/7 to help you find a home, sell your house, or get you the perfect rental! Call us today to get started.

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 Real Estate agents. As your trusted, professional Real Estate partners, we 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. We have the experience and track record you are looking for.

- The MacDoc Realty Team, Fredericksburg, Virginia

School Reports in Fredericksburg, Spotsylvania and Prince Williams County, Virginia

"A model of how the Internet can facilitate the process of deciding where to send your children to school"
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Schools in Fredericksburg, Spotsylvania and Prince Williams County

Financing Your Home >Mortgage Terms

New mortgage loan products offer a more complex selection of terms. Lenders now offer mortgages that are blends of short-term ARMs and 30-year fixed-rate loans with a lower fixed-rate of interest for a period of five, seven or ten years. Be sure that you understand what happens at the end of the initial term before you sign on the dotted line for such a loan.

Many of these loans revert to a 1-year adjustable rate loan at the end of the initial term and can be adjusted once a year based on an index tied to the cost of money. You should know how much over the index your rate will be set and the limit or cap on how much your payments can increase. A "balloon" note requires the entire balance to be paid to the lender after the initial period of the loan ends. Most of these loans require the lender to guarantee to refinance the note at that point if payments have been timely. The lender should spell out how the re-finance rate will be determined and what costs will be involved. These loans can help you buy a more expensive house than you could afford with a 30-year fixed rate mortgage, but be sure that you understand the terms and the potential risks.

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Q	What famous $40+ million home has a 60-foot pool with underwater music and a 20-car garage?
A	The home of Bill Gates, co-founder of Microsoft, features the latest futuristic computer technology.
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The MacDoc Realty Team, REALTOR®, real estate agent and broker for Fredericksburg, Spotsylvania and Prince Williams County, Virginia home listings, property and land for sale - NUMBER1EXPERT

The MacDoc Realty Team
MacDoc Realty LLC
11928 Cherry Rd.
Fredricksburg, VA 22407
540-372-7777
Fax: 866-498-1288
MacDocRealty@NUMBER1EXPERT.COM

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