Learn about:

First-time buyers


Click HERE for common questions and their answers from first-time homebuyers.

FHA loan limits by area

If you are a first time homebuyer or have low to moderate income, you may be eligible for a mortgage insured by the Department of Housing and Urban Development (HUD) through the Federal Housing Administration (FHA). Virginia residents click HERE and West Virginia residents click HERE.

Interest Rates



Looking for competitive interest rates? Click on the above link to learn about some of my favorite lenders in the area.

Lead Based Paint



Click on the above link to learn more about lead based paint. If your home was built before 1978 there is a good chance lead based paint was used within your house. A lead inspection can determine exactly where lead is located in your home; including windows, trim, doors, railings, columns and surfaces that have been repainted, which may contain layers of lead based paint underneath.

Megan's Law: Look up sex offenders before you buy


You should exercise whatever due diligence you deem necessary with respect to information on any sexual offenders registered under Chapter 23 section 19.2-387 et seq. of Title 19. Such information may be obtained by contacting your local police department or the Virginia State Police or the West Virginia State Police at 304-746-2133

Moving Tips


If you desire to make hazardous material, radon, part of your home inspection, this needs to be part of your terms to the contract. For further information, you can contact the United States Environmental Protection Agency (EPA), the Virginia Department of Health or, for West Virginia residents, the West Virginia Department of Health and Human Resources. Virginia Department of Health has a Radon Hot Line (1-800-468-0138). CLICK HERE to search additional websites and find more information. Home buyers and sellers CLICK HERE for your "GUIDE TO RADON."

Senior Market

Retiring in the Northern Shenandoah Valley? According to the USNews and World Report*, Winchester Virginia is one of the best places to retire. The Winchester area also is home to the state-of-the-art Regional Medical Center.
Retiring in West Virginia, click here for information

To learn about the various taxes of Virginia and West Virginia, including retirement income taxes, CLICK HERE.

What you need to know about BUYING real estate

What you need to know about SELLING real estate

Oakcrest_small.jpg (3758 bytes) TheTeresaTeam.com
126 N. Kent Street, Winchester, VA  22601


Rltr_MLS_color.gif (1666 bytes) EQhouse.gif (1397 bytes)