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Mortgage Rate Buydowns Explained: What 1-0, 2-1 and 3-2-1 Mean for Richmond, VA Buyers
Four common mortgage rate buydowns, what each does to your payment, who usually pays, and what to ask your lender before you buy in Richmond, VA.
Curt Reichstetter
19 hours ago10 min read


Beach Rental or Richmond Rental? How to Choose Your First Investment Property in Richmond, VA
A beach rental pays by the week and depends on the season; a Richmond long-term rental pays by the month and depends on the tenant. Curt Reichstetter of Two Dog Realty explains how to choose your first investment property, and why a duplex can be a smart place to start.
Curt Reichstetter
Oct 269 min read
Rising Mortgage Rates Cool Virginia's Housing Market in September 2026: What It Means for Richmond Buyers and Sellers
Virginia home sales fell 4.2% in September 2026 as mortgage rates rose, while the median price held at $420,000 and active listings jumped 20.4%. Curt Reichstetter of Two Dog Realty, 2026 President of Virginia REALTORS, explains what it means for Richmond buyers and sellers.
Curt Reichstetter
Oct 258 min read


What Happens When a Home Does Not Appraise in Richmond, VA?
A low appraisal doesn't automatically end a Richmond home sale. Curt Reichstetter of Two Dog Realty explains what the appraisal means, how to check it, four ways buyers and sellers solve a gap, and a real $10,000 example.
Curt Reichstetter
Oct 258 min read


Rising Rates Cool Virginia Home Sales in August 2026: What It Means for Richmond Buyers and Sellers
Virginia home sales fell 4.6% in August 2026 as mortgage rates rose, while the median price climbed to $449,000 and inventory hit its highest August level since 2019. Curt Reichstetter of Two Dog Realty, 2026 President of Virginia REALTORS, explains what it means for Richmond buyers and sellers.
Curt Reichstetter
Oct 235 min read


A Richmond Local Favorite: Wild Ginger in Midlothian
Curt's rule at Wild Ginger in Midlothian: start with the Lobster Wontons. Plus a Kobe burger, the Truffle Shuffle roll and slurp-worthy miso soup.
Curt Reichstetter
Oct 41 min read


We Took Richmond's Housing Concerns to Capitol Hill. Here's What Passed.
Curt Reichstetter of Two Dog Realty met with Sen. Tim Kaine and Rep. Rob Wittman's office in June to urge passage of the ROAD to Housing Act. It became law July 11, 2026. Here's what it means for Richmond, Virginia buyers and sellers.
Curt Reichstetter
Oct 34 min read


How to Choose the Right Mortgage Lender in Richmond, VA
The lowest advertised mortgage rate does not always identify the best lender. Learn what Richmond-area buyers should compare before trusting a lender with their purchase.
Curt Reichstetter
Aug 138 min read


Should You Sell First or Buy First When Moving in Richmond?
Should you sell your current home before buying the next one? Compare the risks, financing options, and strategies available to Richmond-area homeowners planning both transactions.
Curt Reichstetter
Jul 266 min read


Why You Should Get Preapproved Before Buying a Home in Richmond, VA
A Richmond buyer’s guide to meaningful mortgage preapproval, lender comparison, financing readiness, personal comfort, and avoiding problems before an offer.
Curt Reichstetter
Jun 305 min read


How Much House Can You Comfortably Afford in Richmond, VA?
A practical framework for Richmond buyers to separate loan qualification from a sustainable homeownership budget that leaves room for repairs, savings, and everyday life.
Curt Reichstetter
May 34 min read
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