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Buy. Sell. Invest.
Three states.One agent.Real results.
Pennsylvania / Delaware / Maryland
Residential real estate in the Philadelphia suburbs and Delaware, with dedicated support for military veterans and their families.
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Rooted in the Philadelphia suburbs. Licensed in three states.
Listings by state
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Bucks, Delaware, Montgomery and Chester counties first. New Castle and Kent counties next. Select Maryland areas by request.
Listings
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Learn more Veterans & military families
You earned the benefit. Christina makes sure you get to use it.
First homes bought with a VA loan. PCS moves on a short clock. Veterans using their entitlement a second time. Christina has built a dedicated part of her practice around military buyers and sellers, from Dover Air Force Base to the Philadelphia suburbs.
Listings
Homes across Christina’s service area
Start with Pennsylvania’s Philadelphia suburbs, then Delaware. Choose a state on the map, then narrow by county.
Buyers
Buy with a plan, not a guess.
Residential buyers in Bucks, Delaware, Montgomery and Chester counties, and in New Castle and Kent counties in Delaware, get an agent who knows the townships, the taxes and the inspection issues that come with each.
How buying with Christina works
A 15-minute call
Your timeline, your budget and what is pushing the move. No paperwork, no pressure.
Lender pre-approval
Introductions to lenders who know PHFA, DSHA, FHA and VA loans, so your offer is taken seriously.
A focused search
Listings straight from Bright MLS the moment they hit, filtered to the areas and payment that fit.
An offer built to win
Pricing backed by recent sales, and terms shaped around what the seller needs.
Inspections to keys
Radon, stucco, sewer, septic: Christina knows what to test for in each area, and manages every deadline to settlement.
Where Christina works
Primary · Pennsylvania
Bucks County
Riverfront boroughs and mid-century neighborhoods in the south, farmhouses and newer communities to the north.
Primary · Pennsylvania
Delaware County
Close-in, established neighborhoods with rail and trolley lines to Center City.
Primary · Pennsylvania
Montgomery County
The region’s widest range of homes, from Main Line stone to new townhome communities.
Primary · Pennsylvania
Chester County
Historic boroughs, planned communities and open land, often on larger lots.
Delaware
New Castle County
Wilmington, Newark and fast-growing Middletown. No sales tax, easy commute into Pennsylvania.
Delaware
Kent County
Dover, Smyrna and Camden. More house for the money, and home to Dover Air Force Base.
Maryland: Christina takes on select clients near the Pennsylvania and Delaware lines. Ask whether your area is covered.
Sellers
Sell for what your home is worth, on the day you planned.
Pricing drawn from real neighborhood sales, preparation that pays for itself, and an agent who tracks every township certificate and deadline between the sign and the settlement table.
How listing with Christina works
Pricing review and net sheet
What the home should sell for, and what you would walk away with after every cost.
Preparation plan
A short list of the repairs and touch-ups that earn their money back, and the ones to skip.
Launch
Professional photography, Bright MLS, and marketing timed to the first two weeks, when buyers pay the most attention.
Offers, side by side
Price, financing, contingencies and dates laid out so the best offer is obvious.
Contract to closing
Inspection replies, appraisal, township use-and-occupancy, title and payoff, all tracked for you.
Veterans & military families
For those who served, and the families who move with them.
The VA home loan is one of the strongest benefits you earned, and one of the most misunderstood. Christina has made military buyers and sellers a dedicated part of her practice, so the benefit works for you at every step: the offer, the appraisal and the closing date your orders demand.
[Placeholder: Christina’s own connection to the military community, such as family service, a military-focused certification like MRP, years serving military clients, number of VA purchases closed.]
Where Christina helps
First-time VA buyers
From Certificate of Eligibility to keys. Zero down explained honestly, including the cash you still need for deposits, inspections and closing costs.
PCS and relocations
Live video tours, electronic signatures, mail-away or power-of-attorney closings, and a timeline built backward from your report date.
Buying again
Your entitlement is reusable. Christina works with your lender on restoration and remaining entitlement before you fall for a house.
Selling on orders
Sell or rent, priced for your timeline, with your VA loan’s assumability marketed when the rate makes it an asset.
What the VA loan gives you
- No down payment for eligible borrowers with full entitlement
- No monthly mortgage insurance, often hundreds saved each month
- Flexible qualifying, with BAH and disability compensation counted as income
- Seller-paid costs allowed: closing costs plus concessions up to 4%
- No funding fee for veterans receiving VA disability compensation, Purple Heart recipients on active duty and eligible surviving spouses
- Reusable and assumable, so it keeps working after your first home
Program rules and fees are set by the VA and change. Your lender confirms what applies to you.
Myths worth retiring
- “You can only use it once.”
- It is a lifetime benefit. Many veterans use it several times, and some hold two VA loans at once.
- “Sellers won’t take a VA offer.”
- Sellers take strong offers. A solid pre-approval, a responsive lender and an agent who picks up the phone make a VA offer strong.
- “VA loans take forever.”
- With a lender who closes them every week, the timeline is comparable to any other loan.
- “The appraisal kills deals.”
- VA property requirements are about safety and soundness. Most homes in good repair pass, and most issues can be fixed before closing.
Near the installations Christina’s clients serve
| Installation | Where clients tend to live |
|---|---|
| Naval Support Activity Philadelphia and the Navy Yard | Delaware County, lower Montgomery and Bucks counties, northern New Castle County |
| Horsham Air Guard Station (Biddle), PA | Central Montgomery and Bucks counties |
| Joint Base McGuire-Dix-Lakehurst, NJ | Lower Bucks County, a workable commute across the river |
| Dover Air Force Base, DE | Kent County: Dover, Camden, Magnolia, Smyrna; Middletown for a wider choice of homes |
| Aberdeen Proving Ground, MD | Northern New Castle County, southern Chester County, select Maryland areas by request |
Pennsylvania, Delaware and Maryland each offer property tax relief for certain veterans with a 100% service-connected disability rating. Christina can point you to the county Veterans Affairs office that handles the application.
About
Christina L. Chambers
More than real estate. It’s people, purpose and possibilities.
An agent for the Philadelphia suburbs and Delaware
Christina L. Chambers is a residential real estate agent licensed in Pennsylvania, Delaware and Maryland. Her practice centers on the Philadelphia suburbs, in Bucks, Delaware, Montgomery and Chester counties, with a second home base in New Castle and Kent counties in Delaware. She serves select Maryland clients near the state lines.
Her clients are first-time buyers, growing families, renters ready to own, and sellers who want a straight answer on price. She is especially known for her work with military veterans and service members: first homes financed with VA loans, relocations on PCS orders, and veterans putting their entitlement to work a second time.
[Placeholder: Christina’s story in her own words. Where she is from, why she chose real estate, her connection to the military community, what clients say about working with her.]
- Brokerage
- [Brokerage name and office]
- Licenses
- [PA, DE and MD license numbers]
- Credentials
- [e.g. REALTOR®, MRP, ABR]
Resources
Free guides from Christina
Three plain-language guides written for Pennsylvania and Delaware. Tell Christina where to send yours.
The Buyer GuideBuying a home with confidence.
Buyer Guide
Financing, true costs, local inspections, offers and closing, in order.
Get the Buyer GuideThe Listing GuideSelling your home for all it is worth.
Listing Guide
Pricing, preparation, disclosures, comparing offers and your net sheet.
Get the Listing GuideThe Military Veterans GuideYou served. Now own your home.
Military Veterans Guide
VA loan benefits, PCS moves, reusing entitlement and state tax relief.
Get the Veterans GuideCommon questions
How much do I need saved to buy?
It depends on the loan. VA and USDA loans can be zero down, FHA is 3.5%, and conventional starts at 3%. Plan on another 2% to 5% for closing costs unless the seller covers part of them.
Who pays the transfer tax?
In Pennsylvania it is usually 2% split evenly between buyer and seller. In Delaware it is 4%, also customarily split, with a reduction available to qualifying first-time buyers.
Do I need an attorney to close?
Delaware requires an attorney to conduct the closing. Pennsylvania settlements are normally handled by a title company.
Can I use my VA loan more than once?
Yes. Entitlement can be restored after a sale, and remaining entitlement can sometimes be used while you still own the first home.
Does Christina work in Maryland?
On a limited basis, near the Pennsylvania and Delaware lines. Ask whether your area is covered.
Contact
Let’s talk about your goals.
Fifteen minutes, no obligation. Tell Christina what you are planning and she will tell you what comes next.
“More than real estate. It’s people, purpose and possibilities.”
Christina L. Chambers