Contact details

11815 Fountain Square, Ste 300 , Newport News - VA 23606
Office: 1-757-373-4768

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


 

Agent Advice

Between Family And Real Estate: Finding Balance As An Agent

Between Family And Real Estate: Finding Balance As An Agent

It’s hard to understand the struggles and the demands of the real estate industry when you are outside of it. When was the last time you’ve been told that you are so lucky to have such a flexible schedule as a real estate agent? We both know that is an understatement because, in reality, finding balance in life while working as a real estate agent is more ...

Homebuyer Tips

Best Small Towns To Live In, North Carolina Edition

Best Small Towns To Live In, North Carolina Edition

There’s a lot to be said for living in a small town. While they may not have the glitz and glamour of metropolitan megacities, small towns have a lot of perks that may not be immediately apparent but are very attractive none theless. While there’s plenty to be said for living in a big city, (some prefer it) it isn’t for everyone.  If you’re ...

Homebuyer Tips

The Closing Day

The Closing Day

This is it. For the past weeks or months, every day has been at least partially spent thinking of, preparing for or planning this fateful day. You’ve laboured long and hard to make sure it comes without incident, and now all your hard work is finally going to pay off. What is this day, you ask? It’s closing day, baby. Now, there’s still a lot ...

Homebuyer Tips

Buying A Home In Clermont FL

Buying A Home In Clermont FL

So, you’re thinking of making the city of Clermont your new home. We get it; there are a lot of reasons why you might want to live here! With its beautiful weather, long list of attractions, gorgeous surroundings and exceptionally healthy job market, you’d be forgiven for thinking it’s about as close to being heaven on earth as we can get! But this ...

Homebuyer Tips

Buying A Home In High Point NC

Buying A Home In High Point NC

Homeownership is a big step forward from living as a tenant and moving from one place to another. At some point, we all get tired of renting, and we decide it is time to become our own boss and find a stable place we can call home. Buying your first home is a great achievement, but the process does have its difficulties. A home purchase is strongly connected with 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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