Contact details

11815 Fountain Square, Ste 300 , Newport News - VA 23606

About Ray Payne

I have enjoyed living in Virginia Beach now for over 35 years. I can't imagine a nicer place to live and raise a family. If you are looking sell, buy, or rent, I am here to help. I understand that buying or selling Real Estate can be stressful. As a full time Realtor, I will work hard at lowering your stress level and make your experience as pleasurable as possible. My commitment to you is to always be honest and upfront and to always keep you informed during our Real Estate relationship. Being your Hometown Hero Certified agent, I give back to those who have served, it is my way of saying Thank You. I look forward to meeting you

Ray Payne
Fathom Realty

Fathom Realty

Ray Payne


 
 

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Fair Housing and Equal Opportunity (FHEO)
REALTOR®
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Real Estate Advice


 

Home Seller Tips

How To Improve The Privacy Of Your Home

How To Improve The Privacy Of Your Home

If you live in a residential neighborhood, there’s a good chance that you’ve had to deal with neighbors who don’t respect your privacy. Whether they’re peering through a pair of binoculars surveilling your Sunday afternoon barbeque or dropping by unannounced to “see how you’re doing”, these unpleasant individuals are the bane of ...

Homebuyer Tips

In The Miscellaneous Labyrinth Of Real Estate Finance

In The Miscellaneous Labyrinth Of Real Estate Finance

To those of us who’ve gone through the process of moving, it’s no secret that moving can be a hassle and a half, between the stress and substantial financial investments.  We usually decide to relocate for various reasons, such as a brand new workplace, the prospect of a brighter future, climate changes, or even the global pandemic. COVID-19 made ...

Homebuyer Tips

Eco-friendly Vs. Harmful Building Materials

Eco-friendly Vs. Harmful Building Materials

More than ever, the past dictates our future. The twenty-first century must face the dramatic repercussions of our past heritage concerning environmental issues. We foolishly exposed our planet to threats and insecurity. In practice, we do lots of harm to our immediate environment, and we should pay more attention to do’s and don’ts in nature. Humankind has ...

Homebuyer Tips

Home Automation That Can Be Implemented

Home Automation That Can Be Implemented

Phrases like “Alexa, turn on the AC!”, “Alexa, dim lights!”, “Alexa, open the front door!” or “Alexa, cook mac&cheese!” are becoming a regular in US households. Well, maybe not the last but it won’t be long till that becomes a reality as well. Having the ability to tell your home what to do has been a fantasy ...

Agent Advice

Digital Trends That Revolutionized The Real Estate Industry

Digital Trends That Revolutionized The Real Estate Industry

Of all the inventions that changed the real estate game, none have changed it as profoundly and irreversibly as the internet. This technology opened up a world of new possibilities and opportunities for real estate professionals working at every level in the field of real estate. From the lowliest copy room workers to the moguls and brokers at the very top of the ...

 

Real Estate Glossary Terms

  • Eviction, Constructive

    The altering of a rented or leased premises by a landlord rendering it unsuitable for habitation in order to effectuate the tenant's vacating. Constructive eviction occurs when the tenant vacates the premise because of the landlord's changes made in the premises. ...

  • Gain

    Excess of money or fair value of property received on sale or exchange over the carrying value of the property. An example is the sale of a building when the cash received exceeda its book value. Gains also occur when the cash payment to eliminate a mortgage is less than the carrying value. ...

  • Change In Occupancy Or Use Clause

    Condition in which the occupancy or the purposes for which the premises are being used as described in the insurance policy change so as to result in an increased risk. The policy is void unless prior notice is furnished to the insurance company. Once the company receives such notification, the comp ...

  • Loan Value

    Amount that a policyowner can borrow from a cash value of a permanent life insurance policy. ...

  • Physicians, Surgeons, And Dentists Insurance

    Coverage for a practicing physician, surgeon, or dentist, when bodily injury, personal injury, and/or property damage is incurred by a patient and the patient sues for injuries and/or damages. The cost of defending the physician, surgeon, or dentist is in addition to the upper limits of the policy, ...

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