Before you Sell or Purchase.

A DREAM HOME ESTATE FOR YOU:

Just listed, this magnificent home on 80 acres in South Brunswick near Lake Gaston is a must see. Over 3,000 sq. ft. above grade and a finished basement, this house is set up for the family who likes to entertain guest. It is an open floor design built in 2004. Forty acres is open fields and 40 is wooded. Email me for a special showing or to get more information.

Thinking of Purchasing A Property?

Did you know that approximately 85% of people looking for land or a home use a Realtor? In spite of the fact that the majority of home buyers start their search on the internet, they still choose to work with a real estate professional once they are committed to a serious home search.

Realtors don't control housing information the way they did 20 years ago, before the MLS and computer based systems began sharing information freely across cyber space. What they do provide is an in-depth knowledge of homes and property values that only comes from daily interaction with other professionals, buyers and sellers. This constant commodity awareness is the same reason we chose to work with professionals in other parts of our lives. Why should buying a home be any different?

So start looking for your next property the same way 87% of buyers do, on the internet. But don't hesitate to get your most trusted real estate professional involved in the process early; they provide information not accessible online, along with the advice and guidance you will need to begin a serious search, and to fine the property, whether it be land or a home, that best suits you.

FHA Loans Update from Realtor.org

FEATURE PROPERTY:This 17.5 acre "piece of heaven" located on Reservoir Road near Victoria offers peace and quiet for the outdoors man or lady looking for a camping and recreation spot or the location for that country get-away or retirement home. Long creek frontage along Modest Creek and only 300 yards on a private lane to some great fishing at the undeveloped Modest Creek reservoir. Check out my United Country website for this and more.

FHA LENDING UPDATE:
With the lending industry still trying to find sure footing, FHA loans are filling the gap for those home buyers looking for alternatives to get their loan approved. More and more consumers are looking to these type loans to get their dream home. And not just the underprivileged have moved in this direction as an alternative to traditional financing.

The National Assoc. of Realtors (NAR) is working hard to keep FHA lending a priority with Congress, and also working to expand its scope of lending. Take a few minutes and check out the following video at: www.realtor.org/home/realtortv.

News from the Federal Reserve on Financing

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FEATURE PROPERTY:

Located just on the edge of the village of Kenbridge in Southern Virginia, this 3 B/R, 2 Bath ranch is a move-in ready, comfortable, spacious, and quiet neighborhood property that is ideal for the starter family or a retired couple looking to downsize. Close to town and a 1.3 mile walking trail. For more details, go to my United Country website by clicking on the tab on my blog front page. or email me at sms@embarqmail.com .


A CONSUMERS GUIDE TO MORTGAGE FINANCING:


Have interest rates fallen? Or do you expect them to go up? Has your credit score improved enough so that you might be eligible for a lower-rate mortgage? Would you like to switch into a different type of mortgage?

The answers to these questions will influence your decision to refinance your mortgage. But before deciding, you need to understand all that refinancing involves. Your home may be your most valuable financial asset, so you want to be careful when choosing a lender or broker and specific mortgage terms. Remember that, along with the potential benefits to refinancing, there are also costs.

When you refinance, you pay off your existing mortgage and create a new one. You may even decide to combine both a primary mortgage and a second mortgage into a new loan. Refinancing may remind you of what you went through in obtaining your original mortgage, since you may encounter many of the same procedures--and the same types of costs--the second time around.

For more information log on to:

http://federalreserve.gov/pubs/refinancings/default.htm