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For most people, finding the right home in Charlottesville, Virginia is just the first step. Finding the right financing to buy a home is essential to make the home purchase occur! A home buyer has a choice of local mortgage lenders and national lenders advertising on the Web. Many home buyers find that using local Charlottesville, Virginia lenders (with rates very comparable to online mortgage brokers) help ease some of the stress of moving. Home buyers have more personal service, and the mortgage companies have a better relationship with appraisers and other real estate professionals. Ask about adjustable rate loans if you are guaranteed to be relocated out of Charlottesville within the next 5 years. I had a friend who found a 40 year adjustable with 5 year fixed rate. He knew that he had guaranteed relocation buy-out at the end of his assignment so he wasn’t worried about building equity. He ended up paying less than half in a mortgage payment than he would have paid in rent! Short on cash? There are many mortgage lenders in Charlottesville that now offer 100% financing – no down payment certainly helps keep moving expenses down!
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As of the 2003 census update, the city proper had a population of 39,162. It is the county seat of Albemarle CountyGR6 though the two are separate legal entities. The Bureau of Economic Analysis combines the city of Charlottesville with Albemarle County for statistical purposes, bringing the total population to 118,398. In 2004, Charlottesville was ranked the best place to live in the United States in the book Cities Ranked and Rated by Bert Sperling and Peter Sander. Sperling and Sander ranked the cities based on cost of living, climate, and quality of life. It is best known as the home of the University of Virginia, founded by Thomas Jefferson. -- Source: Wikipedia.com
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Census Data for Charlottesville, Virginia
| Charlottesville | Virginia | United States | |
| Population | 45,049 | 7,078,515 | 281,421,906 |
| Median age | 25.6 | 35.7 | 35.3 |
| Median age for Male | 25 | 34.5 | 34 |
| Median age for Female | 26.1 | 36.8 | 36.5 |
| Households | 16,851 | 2,699,173 | 105,480,101 |
| Household population | 38,217 | 6,847,117 | 273,643,273 |
| Average household size | 2.27 | 2.54 | 2.59 |
| Families | 7,626 | 1,847,796 | 71,787,347 |
| Average family size | 2.85 | 3.04 | 3.14 |
| Housing units | 17,591 | 2,904,192 | 115,904,641 |
| Occupied units | 16,851 | 2,699,173 | 105,480,101 |
| Vacant units | 740 | 205,019 | 10,424,540 |
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