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Wayne Johnson Coldwell Banker Johnson & Thomas Realtors 504 Libbie Avenue Richmond, VA (804) 288-4163 (804) 402-1980

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© 2011 Coldwell Banker Real Estate LLC. A Realogy Company. All Rights Reserved. Coldwell Banker Real Estate LLC fully supports the principles of the Fair Housing Act and the Equal Opportunity Act. Each Office is Independently Owned and Operated. Coldwell Banker®, the Coldwell Banker Logo and "We Never Stop Moving" are registered service marks owned by Coldwell Banker Real Estate LLC. Any use of the term "sales associate" or "agent" shall be replaced with the term "sales representative" in Canada. The estimated monthly rate is based on a 30-year fixed rate of 4.5% with 20% down. Taxes are included in this estimate, but insurance is not. (Taxes based on current tax rate where available, otherwise effective tax rate assumed to be 1.5%). The estimated payment is offered for convenience and is not an offer of credit. Due to market fluctuations, interest rates are subject to change at any time and without notice. Interest rates are also subject to credit and property approval based on secondary market guidelines. The rates shown are based on average rates for our best qualified customers. Your individual rate may vary. Rates may differ for FHA, VA or jumbo loans. For an estimate, please contact an experienced Coldwell Banker® Mortgage Consultant at (888) 308-6558 to find the right loan for your financial situation.

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