Bill Burgin 703-909-3344 Email Bill
Loudoun Homes By Bill Bill Burgin - Your Family's Best Friend In Real Estate



Benefits of Using a Buyer's Agent

Obtaining the services of a Buyer’s Agent is a good decision and a great deal when you are in the market to buy a home.  It’s a good decision because a buyer’s agent will assist you in:

  • Finding the right home in the right location best meeting your needs and wants.
  • Performing due diligence on a home prior to making an offer.
  • Determining the right price to offer for the home.
  • Preparing all of the required and necessary offer (contract) paperwork.
  • Including in the paperwork contingencies and clauses to protect your interests.
  • Presenting the offer in a manner and framework to facilitate seller acceptance.
  • Negotiating the offer - including evaluating and submitting counter offers.
  • Following up on inspection and other pre-settlement tasks to facilitate closing.
  • Being present at closing to answer questions and provide other assistance.

 A buyer’s agent will protect your best interests.  This is important because the listing (owner’s) agent and any other cooperating agent are required to look after the seller’s best interest.

 And the great deal:  in most transactions the services of a Buyer’s Agent are provided at little or no cost to the buyer!  Commissions are typically paid by the seller.


Licensed In VA, WV and NC
​Berkshire Hathaway PenFed Realty
Hamilton, VA  office  540-338-4171



Let us help you find out what you can afford! Our mortgage calculator will help you determine loan amounts, mortgage qualification, or whether you should be renting or buying.

Complete the fields below (e.g., Cost of Home, Down Payment, Monthly Income) and click Calculate Now. To view the different results of your calculation, click on the various tabs. To mail yourself a copy of your results, click the Receive this Detailed Analysis link.


Required Fields
Term In Years:     
Interest Rate:      %
Cost of Home:  $
Down Payment:  $  
Annual Insurance:  $  
Estimate Insurance to 0.43% of Cost
Annual Property Tax:  $  
Estimate Tax to 1.2% of Cost
Monthly Income:  $
Monthly Debt:  $
Optional Fields
Gross Debt Service Ratio (GDS):     
Total Debt Service Ratio (TDS):     
Condos Fees:  $
  Receive this Detailed Analysis

Your Monthly Payments
Loan Amount:
Loan Insurance (%):
Total Loan (Mortgage) Amount:
Principal & Interest:
Homeowners Insurance:
Property Taxes:
Condo Fees:
Monthly Loan Insurance (%):
Total Monthly Payment:
Income Needed to Qualify for the Mortgage
Total Monthly Loan Payment:
Total Monthly Debt Payment:
Monthly Loan Insurance (%):
Qualifying Income of % GDS Ratio:
Qualifying Income of % TDS Ratio:
What You Can Afford
We are using the % ratio.
Cost of House:
Down Payment:
Loan Value:
Monthly Principal & Interest:
Monthly Insurance:
Monthly Property Tax:
Monthly Condo Fees:
Cost of House = [(Monthly income x Debt Ratio) – monthly tax – monthly insurance – condo fee] /
(monthly interest rate/ function of interest rate)
Monthly Rent: $
Annual Rental Increases:  %
Monthly Renter Insurance: $
Savings or Investment Rate:  %
Planned # of years in home: 
Yearly appreciation of the home:  %
Annual home maintenance:  %

Free Downloads!

In the following reports, you'll find the information you need to make a wise buying decision.  You'll find a host of informative articles on mortgages, viewing homes, the offer, closing details and moving.

Please contact me at or 703-909-3344 if you have any questions about buying a home in Western Loudoun County or elsewhere in Virginia.

Select desired reports below and provide your contact information in the space provided.

BUDGETING: Budget Basics Worksheet

CLOSING: Common Closing Costs For Buyers

CLOSING: 5 Things To Know About Title Insurance

CREDIT: What You Can Do To Improve Your Credit

FINANCING: 10 Questions To Ask Your Lender

Home Energy Checklist

Advantages of Buying Vs. Renting

FIRST HOME: Common First-Time Home Buyer Mistakes

INSPECTIONS: 10 Questions To Ask Home Inspectors

HOME SEARCH: 8 Tips To Guide Your Home Search

INSURANCE: 5 Things To Know About Homeowners Insurance

WARRANTIES: What Is A Home Warranty?

GENERAL: Avoid Common Buyer Errors

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On This Page:

   Benefits of Using a Buyer's Agent

   Mortgage Calculator

   Current Mortgage Rates

   Free Information Downloads

   Community Links







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Loudoun County Home Buyer's Guide

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Purcellville             Round Hill


Hillsboro                 Waterford


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