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


 

Homebuyer Tips

Life In One Of Charlotte

Life In One Of Charlotte

Living in a big city is great in many ways. You have unlimited access to different business and job opportunities, and it can never get too monotonous or boring. Big cities never sleep. There is always movement and activity. There is always something to do, and a fast-paced environment requires you to be on your feet all the time if you want to keep up the pace. The ...

Homebuyer Tips

Pros And Cons Of Living In Alpharetta GA

Pros And Cons Of Living In Alpharetta GA

When you begin to toy with the idea of relocating to a new city, no matter how many cities are initially on your list of potential new homes, there is always one that comes out triumphantly in the end. That is the city that fits your family’s lifestyle the best and meets all your expectations for a new hometown. A place where you and your family will fit in, ...

Homebuyer Tips

Buying A Home In Bluffton SC

Buying A Home In Bluffton SC

Buying a home has always been one of the most important financial decisions we had to make as we worked our way up on the social ladder. It is a decision that is not taken lightly and for some people, it can be stressful, but exciting as well. The unique feeling you get when you reach the doorstep of your own home is unmatched and you get a genuine sense of ...

Homebuyer Tips

Living In Estero FL

Living In Estero FL

There are a lot of cities on Florida’s Gulf Coast. In the panhandle, the city of Pensacola is known for its historic air base, as well as being a surprisingly affordable place to live. Further down the coast, the city of Tampa has gained a reputation as one of Florida’s most attractive young metropolitan cities, experiencing rapid population growth in recent ...

Agent Advice

Tips For Realtors: Getting More Clients

Tips For Realtors: Getting More Clients

As a realtor, there are a lot of different areas of your job that you need to focus on to put food on the table. You need to know how to gauge a buyer’s interest, in order to ascertain how interested they are in your listing. You need to establish trust between you and your clients, so they know you’re worthy of their business. It’s also important to ...

 

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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