Country Homes
Real Estate Firm
Susan L Bogan, Broker
101 Virginia Ave
Petersburg, WV 26847

Petersburg Office 304.257.9400
Petersburg Fax 304.257.9411

91 W. Main Street
Buckhannon WV 26201
Buckhannon Office 304.472.7800
Buckhannon Fax 304.472.4800

Country Homes real Estate Firm has made every effort to obtain the information regarding these listings from sources deemed reliable. However, we cannot warrant the complete accuracy thereof subject to errors, omissions, change of price, rental or other conditions, prior sale, lease or financing, or withdrawal without notice.

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Tish Arnold
Susan L Bogan
Samantha Harman
Sandy Hartman
David L Smith

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Properties for Sale

Lot 13 Borders National Forest
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Nice Unrestricted 1 Acre Lot in Great Location
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Lot 14 National Forest Access Hiking/Biking Trails
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Nice Wooded Lot
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Build a vacation or permanent home, your choice!
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3 +/- Wooded Acres
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2.06 Acres w/Gorgeous Views
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Lot 16 Borders National Forest
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Lot 4 National Forest Access Hiking/Biking Trails
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4.22 +/- Acre Residential Home Site
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Cheap getaway/fixer upper
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Lot B Keyser Ave.
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10 +/- Nice wooded acres, private Easy Access.
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The Front Line Lot # 23
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Lot 9 National Forest Access Hiking/Biking Trails
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REDUCED UNDERGROUND UTLITIES Residential Building Lot
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Reduced! Nice Lot for a Doublewide!
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Lot 6 National Forest Access Hiking/Biking Trails
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Nice Building Lot w/ Views
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Borders National Forest
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Lot 5 National Forest Access Hiking/Biking Trails
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Lot # 25
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Lot 15 National Forest Access Hiking/Biking Trails
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Lot #40
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Lot 10 National Forest Access Hiking/Biking Trails
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Lot 8 National Forest Access Hiking/Biking Trails
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Lot # 1
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Nice Building Lot with Spectacular Views
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Nice Building Lot w/ Views
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Great Vacation Lot/near Lake
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Nice Lot w/ Perfect Views
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Nice 10 Acres near Franklin
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Lot 38 Orchard View Estates
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Lot 11 Sec. 1 Sky Valley Subdivision
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Great Vacation Property
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Lot 21 Crossing on the Middle Fork
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Lot 23 Water Front Lot
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Lot 13
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Lot 1 Middle Fork Crossing
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Lot 3 Crossing On The Middle Fork
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Lot 4-The Crossing on the Middle Fork
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Lot 22-The Crossing on the Middle Fork
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Within 1 mile from Warden Lake
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Downtown Weston location for sale
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Lot 11 National Forest Access Hiking/Biking Trails
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Lot 24 Crossing on the Middle Fork
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Lot 15
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Lot 46
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Lot 7 Middle Fork Crossing
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Lot 14-the Crossing on the Middle Fork
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Lot 12-The Crossing on the Middle Fork
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Lot 17 Crossing On the Middle Fork
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Lot 5 Middle Fork Crossing
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Lot 27 Middle Fork Crossing
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LOT 16
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2.77 Acres in Badlands Ranches
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Lot 6-The Crossing on the Middle Fork
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Lot 4 Highland Estates A Planned Residential Community
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Lot # 36
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Lot 18 Middle Fork Crossing
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Lot 19 Crossing on the Middle Fork
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Lot 26 Middle Fork Crossing
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Lot 11 Crossing On The Middle Fork
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Lot 25-The Crossing on the Middle Fork
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Lot 8-The Crossing on the Middle Fork
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Lot 2-The Crossing on the Middle Fork
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Lot 29 Middle Fork Crossing
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Lot 28-The Crossing on the Middle Fork
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Lot 9 Middle Fork Crossing
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Lot 10-The Crossing on the Middle Fork
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Lot 15 12.5 wooded acres. Views
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Lot # 15 A
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Lot 44 Orchard View Estates
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Great Starter Home/Private
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High Elevation 360 Views
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4+/- Country Acres
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16 +/- Wooded Hunting Residential Views
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7.49+/- Acres Lost River Ridge Mountain Getaway
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13 Acres for recreation or build your dream house
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REduced! reduced Reduced!
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Major Reduction! Beautiful Country Land close to Dolly Sods!
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Lot #12 Wooded Acreage
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Large Home in Town of Petersburg
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Lot # 11 Road Frontage Log Cabin Site.
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Lot #13 Wooded with Views
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Lot # 20 Views Views Views Privacy
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Hunters Cabin & 18.87 Acres
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Log Cabin Home Site 21.76 Wooded acres
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Lot # 16 23 +/- Acres
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Lot #14 23 +/- wooded acres
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Nice Starter Home w/ Rebate
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NEWLY REDUCED!
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REDUCED! MAKE OFFERS Duplex Apartments
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Property with views
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Major Price Reduction!!! -Nice Vacation Property in the GW National Forest!
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Private Double Wide Unrest.
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FURNISHED! REDUCED! UNBEATABLE BRING OFFERS SELLER SAID MOVE IT!
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Private wooded homesite property
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Reduced - Great Home for Large Family!
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20 Acres with views of the Mountain Tops
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Major Reduction/Unrestricted Acreage
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Country Setting! New Condition
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23 acres Log Cabin Home Site- Open to all Offers
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REDUCED! One Owner Country Charmer
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Two story home to live in and shop to work from.
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Lot 2 & 3 National Forest Access Hiking/Biking Trails
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32.24 acres of wooded property
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69.27+/- Acres w/Home
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Hunting Cabin Property
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Beautiful Home on 2.28 acres
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Reduced!! - Cozy Rancher w/Great Views
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136 Private Acres
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Private Log Home Site!
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Abundant Native Trout Stream Wooded
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Investment Opportunity, Rental Income Office Space!
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55 +/- wooded hunting cabin acreage.
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Home on 6.78 Private Acres
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Single Family Home in Inwood, WV
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Hunting Recreational Property
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Great Vacation Home
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Maintenance Free! One of a Kind Home!
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Borders National Forest
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95+/- Acres of Raw Land
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Surrounded by Mother Nature!
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100 +/- Acres
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Secluded Hunting or Vacation Property
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115 +- wooded acres with stream
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Vacation Cabin Stream Hunting
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REDUCED! FARM Land w/Bunkhouse
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Historic house with 47 acres of land
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Motivated Seller, REDUCED!
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Gas Station/Convenience Store
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About 4 miles from Corridor H
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267.287 +/- Acres Borders Little Kanawha River
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Great Recreational Property
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Farm Land, Hunting Land Home Site with Views & Privacy
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382.53 Acres with Amazing Mountain Views
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244 Acre Farm
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593 +/- pristine acres of Meadows & rolling mountains
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TurkeyBone Mountain Area
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770 Natural Mountain Acreage, Has Rock Cliff & Views
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Lot 7 National Forest Access Hiking/Biking Trails
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Great Starter Home
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2+/- Acres/Views of Dolly Sods
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Looking for Hunting Land?
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Make Offer It Could Be Yours!
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Starter Home
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REDUCED! Hunting Acreage
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Great Vacation Property
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Great Location- Affordable Price
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Secluded/Country Living
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Major Reduction! Great Starter Home
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Drastic Reduction!
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Acreage in Pendleton County
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Mountain Hide Away
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Close Dolly Sodds, Smoke Hole
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Single Family Home in the City
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REDUCED! Mini Farm on 4.35 Acres
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MAJOR REDUCTION! Owner Says Bring Offers! 47 ac
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New Construction/ Mins to town
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New Construction
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Historical Farm House
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Hunting-Recreational
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REDUCED! 66.49 Acres Views Views & Privacy Easy Access!
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Fishing, Paddling & Canoeing in West Virginia with New Cabin
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120 acres Pristine Farm Land
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Farm-Development-Hunting
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225 acres Woods & Fields Exclusive Agency Listing
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Tips & Articles

Setting the Price for Your Home
Final Closing
Making an Offer
Shopping For Homes
What Can You Afford?
Defining What You Want
Loan Programs
Title Insurance
Escrow
Preparing to Sell Your House

 

Buying Your Home

What You Can Afford
How do you determine the value of a troubled property?
When is the best time to buy?
What can I afford?
How much will I spend on maintenance expenses?
Where do I get information on housing market stats?
What is the standard debt-to-income ratio?
How long do bankruptcies and foreclosures stay on a credit report?
What is Fannie Mae's low-down program?
How much does my real estate agent need to know?

Working With a Real Estate Agent
Are commissions negotiable?
What about a buyer's agent?
Where can I get information on buyer agents?
Can I use an agent for a new home?
How much does my real estate agent need to know?
How many people sell their homes themselves?

Appraisals & Market Value
How is a home's value determined?
What is the difference between market value and appraised value?
How do you determine the value of a troubled property?
What are the standard ways of finding out how much a home is worth?
What's a house worth?
What standards do appraisers use to estimate value?
What is the return on new versus previously owned homes?
What is the difference between list price, sales price and appraised value?
Can I find out the value of my home through the Internet?

Negotiating and Closing a Good Deal
Is a low offer a good idea?
What contingencies should be put in an offer?
What is the first step to buying a home?
How is the price set?
Is there a secret to good negotiating?
Are low-ball offers advisable?
Are interest rates negotiable?
Should I include an inspection contingency in my offer?
Can you buy homes below market?
Can you negotiate the price on new homes?
Who gets the furnishings when a home is sold?
What do you think of get-rich-quick real estate schemes?
What is the best time to buy?
What are some tips on negotiation?
Do I need an attorney when I buy a house?
What repairs should the seller make?
How much does my real estate agent need to know?
What is the difference between list price, sales price and appraised value?

Condominiums & Townhomes
Are one-bedroom condominiums a good investment?
How do I figure out the homeowners association?
How do you choose between condos and single-family homes?
Are condominiums risky to buy?
Do condos have to be made accessible to the disabled?
Can condos ban smoking?
Can a condo association ban nudity?
Are condos a good investment?
Where do I get information on condo association laws?
Where do I get information on condos?

Whom to Contact (How to Buy)
How do I find a home inspector?
What standards do appraisers use to estimate value?
Where do I get information about housing discrimination?
Where can I get information on buyer agents?
Where do I get information about closing costs?
Where do I get information on housing market stats?
How do I reach the IRS?
Where do I get information on lease options?
Where do I get information about finding a real estate attorney?
Where do I get information on home market stats and trends?

Whom to Contact (Where & What to Buy)
Where can I get a list of home builders?
Where do I get information on filing consumer complaints?
Where do I get information on co-ops?
Where do I get information on housing market stats?
Where do I get information on manufactured housing?

Tenants-In-Common and Co-ops
Where do I get information on co-ops?
Can a co-owner force someone off a shared deed?

Escrow & Closing Costs
What contingencies should be put in an offer?
How can I save on closing costs?
What are closing costs?
Why do I need a title report?
Where do I get information about closing costs?
Who pays the closing costs?

Finding the Right Home
How do you choose between buying and renting?
What are the pros and cons of adding on or buying new?
What do all of those real estate acronyms in the ads mean?
Do we dig deep and buy a dream home or settle for a starter home?
How do I get the real scoop on homes I am looking at?

Fixer-Uppers
Are there programs for fixer-uppers?
Where are fixer-uppers found?
What kind of return is there on remodeling jobs?
Are there gov't programs for rehab?
How do building codes work?
What are some resources for info on home improvements?
Are there any special tax breaks for historic rehab?
What are some guidelines to follow when trying to find a contractor?
Are fixers a good idea in bad areas?

Foreclosures
Can I get a HUD home for as little as $100 down?
How does a home go into foreclosure?
Are foreclosures an option?
What are problems buying foreclosures?
What types of foreclosure are there?
What happens at a trustee sale?
How do you get financing for a foreclosure?
How do you find government-repossessed homes?
Where do I learn about HUD foreclosures?
Where can you find foreclosures?
Where can you find foreclosed HUD homes?
Do you have to buy HUD homes through a realty agent?
What about buying a foreclosure "as is"?

Home Inspections & Warranties
What's a home inspection?
Do I need a home inspection?
How do I find a home inspector?
How do I find a home inspector?

Insurance
What is guaranteed replacement cost insurance?
What kind of home insurance should I get?

Interest Rates
Where are interest rates headed?
How do you lock in an interest rate?
How do you choose between fixed and adjustable rates?
What are rates for FHA and VA loans?
How do you get a low-interest rate loan?
How are the rates set for seller financing?
What are the most popular ARM indices?
Are interest rates negotiable?
How do adjustable-rate loans change?
Where can I get adjustable-rate loan info?
Tell me more about ARMs?
What is APR?
How do I monitor my ARM loan?
What is the value of a mortgage lock-in?

Lease Options
What is a lease option?
Where do I get information on lease options?
How do lease options work and what are the benefits?

Making an Offer
Is a low offer a good idea?
What contingencies should be put in an offer?
Whose obligation is it to disclose pertinent information about a property?
How do you determine the value of a troubled property?
Are low-ball offers advisable?
What is the difference between list and sales prices?
Can you buy homes below market?
Who gets the furnishings when a home is sold?
What are some tips on negotiation?
Do I need an attorney when I buy a house?
What are the standard contingencies?
What is the difference between list price, sales price and appraised value?

Negotiating
Is a low offer a good idea?
What is the difference between market value and appraised value?
What contingencies should be put in an offer?
How is the price set?
What is the best time to sell your house?
Is there a secret to good negotiating?
Are low-ball offers advisable?
Do I have to consider contingencies?
Who gets the furnishings when a home is sold?

New Homes & Vacation Homes
Can you negotiate the price on new homes?
Should I buy a vacation home?
What do you think of a vacation home as an investment?
Do builders give financing?
Where can I get a list of home builders?
Should I hire a home inspector for a new home?
What are some new-home cautions?
What about new versus previously owned?
What are considerations to buying a new home?
What is the return on new versus previously owned homes?

Common Q&A About Selling Your Home
Do sellers have to disclose the terms of other offers?
Who gets the furnishings when a home is sold?
Should I add on or buy a bigger home?
What are some tips on negotiation?
How do I prepare the house for sale?
How long do bankruptcies and foreclosures stay on a credit report?
What do all of those real estate acronyms in the ads mean?

Tax Considerations
Are the costs of a natural disaster deductible?
What is the Mortgage Credit Certificate program?
Are taxes on second homes deductible?
What home-buying costs are deductible?
How do you choose between buying and renting?
Explain the home mortgage deduction . .
Should I buy a vacation home?
Are there tax credits for first-time home buyers?
Are seller-paid points deductible?
Can you deduct the cost of home improvements?
How do I save on taxes?
What are the rules on capital gains when inheriting a house?
When is the best time to buy?
What are the rules for mortgage credit certificates?
Can I deduct the loss I suffered when I sold my home?
Are points deductible?
Where do I get information on IRS publications?
How do I reach the IRS?
What tax benefits are there to homeowners?
How are fees and assessments figured in a homeowners association?

Property Taxes
How do property taxes work?
Are property taxes deductible?
Where can I learn more about appealing my property taxes?
How is a home's value determined?
Are taxes on second homes deductible?
What is an impound account?
Do all loans require impound accounts?

Investing in Real Estate

Whom to Contact (How to Invest)
Where do I get information about being a landlord?
Where do I get information on lease options?
Where do I get information about finding a real estate attorney?

Whom to Contact (What to Invest in)
Where do I learn about HUD foreclosures?
Where do I find about IRS properties?
Where do I get information on homes with historic value?
Where do I get information on REITS?

Whom to Contact (Investing, Tax Considerations)
Where do I get information on IRS publications?
How do I reach the IRS?

Fixer-Uppers
Are there programs for fixer-uppers?
Where are fixer-uppers found?
What kind of return is there on remodeling jobs?
Are there gov't programs for rehab?
How do building codes work?
What are some resources for info on home improvements?
Are there any special tax breaks for historic rehab?
What are some guidelines to follow when trying to find a contractor?
Are fixers a good idea in bad areas?

Foreclosures
Can I get a HUD home for as little as $100 down?
How does a home go into foreclosure?
Are foreclosures an option?
What are problems buying foreclosures?
What types of foreclosure are there?
What happens at a trustee sale?
How do you get financing for a foreclosure?
How do you find government-repossessed homes?
Where do I learn about HUD foreclosures?
Where can you find foreclosures?
Where can you find foreclosed HUD homes?
Do you have to buy HUD homes through a realty agent?
What about buying a foreclosure "as is"?

Condos, Apartments & Single-Family Homes
Are one-bedroom condominiums a good investment?
How do I figure out the homeowners association?
How do you choose between condos and single-family homes?
Are condominiums risky to buy?
What do you think of a vacation home as an investment?
What do you think of get-rich-quick real estate schemes?
Do condos have to be made accessible to the disabled?
Can condos ban smoking?
Are condos a good investment?
How do I project rents on a rental?

Lease Options
What is a lease option?
Where do I get information on lease options?
How do lease options work and what are the benefits?

Property Management
Where can I get information on writing leases?
Where do I get information about being a landlord?

Seller Financing
What are the benefits of seller financing?
How are the rates set for seller financing?
What is seller financing?

Income Taxes
Where do I get information on IRS publications?
How do I reach the IRS?

Property Taxes
How do property taxes work?
Are property taxes deductible?
Where can I learn more about appealing my property taxes?
How is a home's value determined?
Are taxes on second homes deductible?
What is an impound account?
Do all loans require impound accounts?

Real Estate Value
What is the difference between market value and appraised value?
How do you determine the value of a troubled property?
How do you increase the value of your property?
What are the standard ways of finding out how much a home is worth?
Can you buy homes below market?
How can I improve the value of my property?
What kind of return is there on remodeling jobs?

Your Mortgage

Alternative Loans
What are the risks of "b" and "c" loans?

Appraisals & Market Value
How is a home's value determined?
What is the difference between market value and appraised value?
How do you determine the value of a troubled property?
What are the standard ways of finding out how much a home is worth?
What's a house worth?
What standards do appraisers use to estimate value?
What is the return on new versus previously owned homes?
What is the difference between list price, sales price and appraised value?
Can I find out the value of my home through the Internet?

Assumable Loans
What is a wrap-around loan?
Are FHA loans assumable?
How do you find out if a loan is assumable?

Bankruptcies & Foreclosures
How do you clear up bad credit?
What options are there after Chapter 11?
Can I refinance after bankruptcy?
How long do bankruptcies and foreclosures stay on a credit report?
What can I do if I have bad credit?
How bad is a previous foreclosure on credit?

All Cash
What about an all-cash offer?

Whom to Contact (Other Mortgage Considerations)
Where do I get information on who regulates lenders?
Where do I get information on finding the best loan?
Where do I get information on lock-ins?
Where do I get information on mortgages?
Where do I get information on correcting loan payments?
Where can I get a list of mortgage brokers?
Where do I get information on refinancing?
How do I monitor my ARM loan?

Whom to Contact (Government Loan Programs)
Where do I get information on who regulates lenders?
Where do I get information on finding the best loan?
Where do I get information on correcting loan payments?
Where can I get a list of mortgage brokers?
Where do I get information on the secondary market?
Where do I get information on VA loans?

Whom to Contact (Home Loan Options)
Where do I get information on lease options?
Where do I get information on finding the best loan?
Where do I get information on mortgages?
Where do I get information on correcting loan payments?
Where can I get a list of mortgage brokers?
Where do I get information on PMI?
How do I monitor my ARM loan?

Whom to Contact (Qualifying)
Where do I get information about housing discrimination?
Where do I get information on consumer credit laws?
Where do I get a copy of my credit report?
Where do I get information on who regulates lenders?
Where do I get information on finding the best loan?
Where do I get information on mortgages?
Where can I get a list of mortgage brokers?

Credit
What exactly is bad credit?
What if there is a credit reporting mistake on my report?
Will bad credit prevent someone from getting a home?
How do I find out what my credit report says?
Where do I get a copy of my credit report?
Where do I get information on consumer credit laws?
What do I do if I get turned down for a loan?
What do I do about bad credit?
How do you clear up bad credit?
How long do bankruptcies and foreclosures stay on a credit report?

Mortgage Credit Certificates
What is the Mortgage Credit Certificate program?
Are there tax credits for first-time home buyers?
What are the rules for mortgage credit certificates?

Easy-Qualifier Loans
What are no-doc loans?
Can someone who is unemployed get a loan?

Fannie Mae
How can Fannie Mae help a home buyer?
What is the Community Home Buyers program?
Who is Fannie Mae?
Are there Fannie Mae programs for inner cities?
What is Fannie Mae's low-down program?

Federal Housing Administration
Can I get a HUD home for as little as $100 down?
Are there programs for fixer-uppers?
How does FHA work?
Which lenders offer FHA loans?
Do FHA loans require impound accounts?
How do you find government-repossessed homes?
What are rates for FHA and VA loans?
Are there gov't programs for rehab?
Do you have to buy HUD homes through a realty agent?
Rules for a FHA Loan?
Are FHA loans assumable?

Fixer-Upper Loans
Are there gov't programs for rehab?
Can you deduct the cost of home improvements?
How do building codes work?
Are there any special tax breaks for historic rehab?

Interest Rates
Where are interest rates headed?
How do you lock in an interest rate?
How do you choose between fixed and adjustable rates?
What are rates for FHA and VA loans?
How do you get a low-interest rate loan?
How are the rates set for seller financing?
What are the most popular ARM indices?
Are interest rates negotiable?
How do adjustable-rate loans change?
Where can I get adjustable-rate loan info?
Tell me more about ARMs?
What is APR?
How do I monitor my ARM loan?
What is the value of a mortgage lock-in?

Lease Options
What is a lease option?
Where do I get information on lease options?
How do lease options work and what are the benefits?

Lock-Ins
How do you lock in an interest rate?
Do you advise a lock-in on a home loan?
Where do I get information on lock-ins?
What is the value of a mortgage lock-in?

Low Cost Loans
Is there such a thing as a no-cost or no-fee loan?
What about these ads for no-cost loans?

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