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


 
 

My credentials


Fair Housing and Equal Opportunity (FHEO)
REALTOR®
The Multiple Listing Service Mark
 
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Real Estate Advice


 

Homebuyer Tips

The Idyllic Suburbs Vs. Vibrant Downtowns

The Idyllic Suburbs Vs. Vibrant Downtowns

 Where is it better to live? Where is living more cost-effective? Where will I have to say hello to everyone I meet? Should I remain in New York City or better move to Jericho 29 miles away? Let our real estate agents help you decide!   There are many reasons, pro, and con, for both living in the suburbs or the city. Besides the apparent financial aspects, ...

Agent Advice

Cryptocurrency-Friendly Realtors

Cryptocurrency-Friendly Realtors

For decades, the world of finance was an oblique, inaccessible sphere that only those with the proper education and preparation could hope to break into. Hedge funds and investment firms reigned supreme, firmly holding a monopoly on everything even tangentially related to the industry of making money by spending money.  This was an era defined by elitist financial ...

Agent Advice

Creative Ways To Get Leads As A Real Estate Agent

Creative Ways To Get Leads As A Real Estate Agent

When you work in real estate, there are times when you’ve got to roll up your sleeves and get your hands dirty. With a good marketing strategy and some clever advertising you can get work by just sitting back and waiting for it to come to you, but this isn’t always going to pay the bills. In instances like these, you’ve got to go out and round up some ...

Agent Advice

Is Online Advertising Worth It For Realtors?

Is Online Advertising Worth It For Realtors?

For real estate agents working in the sphere today, there’s no denying that marketing is a key part of becoming successful. In order to sell real estate, you’re going to need to get your name out in the sphere. It doesn’t matter how highly developed your other skills are, without a solid marketing strategy you won’t go far. With the arrival of ...

Agent Advice

How To Advertise Online As A Real Estate Agent

How To Advertise Online As A Real Estate Agent

The online environment is growing, and with so many people surfing the internet, many businesses seize the opportunity to market themselves on the internet. It’s not just big companies that leverage the benefits of digital marketing but also independent agents such as realtors. In a post-pandemic era, the real estate market of 2021 looks more promising than ever ...

 

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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