Mls # for our short sales 0944675 0920253 0928144 0936956 0936622 0941192 1002532 0951262 0945117 0941807 0946154 0933526 0936940 0941794 0936107 0928202

Alison is a Licensed Realtor with REMAX FIRST 5511 Princess ann Rd 101 Virginia Beach Va 23464

Why do you need my Social Security number What are assets Can I get a down payment from someone else ?

Here are few fun fact about Susan from her Facebook page

Activities:

I help with financing to purchase, build or refinance homes THANK YOU to my realtor friends and previous customers and friends who refer clients, co-workers and friends to my team.

Favorite Quotations: No matter how busy you are, you must take time to make the other person feel important. Mary Kay Ash

Emailmail:

Mobile Number: 757-286-2037 text!! Other: 757-493-6129 Current City: Virginia Beach, VA Website: http://mortgage.bankofamerica.com/susana…

FACEBOOK PROFILE STATS Hometown: Williamsport, PA Personal Information Favorite TV Shows: The Office, Scrubs, & Seinfeld Favorite Movies: Crash, Love Actually Favorite Books: The Seven Habits of Highly Effective People Favorite Quotations: “That’s what she said.” Contact Information   Mobile Number: 757-438-7091 Other: 757-460-1770 Current City: Virginia Beach, VA Website: http://www.terrypeterson.com http://www.newhomeviews.com Employer: The Terry Peterson Companies Position: VP of Sales and Marketing Time Period: February 1999 - Present

Terrys; Blog http://www.newhomeviews.com/ http://twitter.com/hptrdsbldr The Magic of Team October 13th, 2009 Love your honesty And you know us builders – we want it all, and we want it all right (and usually right now as well!). t’s past time that these folks earned a fair living in the form of a base salary with some benefits. Timing Your Purchase or Sale October 6th, 2009 If you’re planning on selling and feel like holding off would pay dividends in the price of your home bouncing back so you can reap some of that “lost equity” (read: paper equity) -wait no more. Chances are you are contemplating a move because something has changed in your life. Continuing to live with your “problem” hoping that big equity gains will offset the pain will be a fruitless strategy. You might as well get on with it. Red Haired Stepchild – Part 1 September 22nd, 2009 I’m feeling pretty guilty lately. Apparently I’ve been a member of the “Axis of Evil” of all housing and didn’t even realize it until lately.

So it seems the American family is reducing debt and shrinking thier homes footprint. Recent studies are showing everything from everyday spending to gas guzzling is down. Some recent studies are saying we might be saying god bye to the Mc Mansion’s that were being built in the last few years. Buyers seem to be looking for homes that meet thier needs these days not their ego. Still interesting enough our homes are about twice the size of European homes. In 2007 the average American home was about 2521 Sq feet compared to Germany and France’s 1200 Sq feet and an ever smaller English house of 900 Sq feet. (Sources Parade.com) 10-11-2009 Va. Pilot Edition

Saving money is on the mind of many Americans. Does that sight of laundry drying on the line bother you or take you back to a simpler time in life? My family recently erected the umbrella style clothes line this past summer. Its not an eye sore and can be easily removed when company comes. We decided to try and save on some of the utility cost. It’s worked out pretty well I have to say and the smell of air-dried clothes has become a treasured scent. However the debate is on for some who just don’t like the looks of it. Some states are supporting the residents even if the neighbors don’t like it. Colorado, Hawaii, Maine and Vermont support hanging the clothes out to dry since clothes dryers use up to 6% of the your electricity consumption. Other states that are looking to reveres clothesline blight laws are our wonderful state of Virginia as well as North Carolina Oregon and Maryland. Some pros and cons to think about

1. Sheets blowing in the wind as compared to someone underpants? 2. 2. You can save money and help the globe by hanging your laundry out

Whatever suits your fancy is fine with me but if you come to my neck of the woods you just might see my wardrobe basking in the sun.

Are you using your debt card more than then credit card!!! Well congratulations if you said yes. It seem that FINIALLY Americans are getting wise and not going deeper and deeper in debt these days. Americans are saving money as well. Personal savings accounts went up to 4.2 percent, which is a 1% increase from early lat year. The Federal Reserve reported revolving credit dropped 6.1 % in July or 8.1% annualized. Dave Ramsey you would be proud.

Are we on the verge of another Economic Failure for the mortgage industry? Americans and politicians are watching the FHA. It seems after sustaining the mortgage crisis from the start of the year they are starting to falter now. 20% of the FHA loans insured last year and up to 24% from 2007 are facing serious problems.

Portsmouth neighborhood Truxton might get some local help. This historic town of Portsmouth Va from 1919 is crying of for a revival. These homes were initially built to house African American shipyard works in the early 1900. City Council will vote today on a revitalization plan for the community. 600 families in the area would hopefully be able to see equity streaming in to the value of their homes if it passes.

Follow up on the Macarthur mall Curfew story: It seems this ruling is creating a HUGE stir among patrons of the mall. It seems 8 in 10 people actually opposed the rule. Some people think it will boost Lynnhaven Malls sales as teen migrate here to do their late night shopping and socializing.

What is absorption rate? Defined it’s the amount of homes on the market compared to what has sold. If you look at the amount of time to have every home sold by months that is your absorption rate. Many feel that a 6-month absorption rate is a balanced market. Hampton roads absorption rate still indicates a buyers market. Homes that are over 1 million in price are likely to take years to sell. As you move to the lower price ranges when we get to the 215-price range that market time drops to about 7.8 months. As a local Realtor here its pretty interesting that the numbers show this because as I turn buyers in this price range the market choice is much more limited and the competition is a bit more. I can feel the market demand on these homes a lot more than the 300 = range. Essential if your home is over 300+ in sales price expect to be holding it on the market for about 8-9 months.

Now some October fun! Ghost trails and Prate tales 6 and 8 pm in down town Norfolk call 664-1000 Haunted Halloween fest Hunt Club forest Virginia Beach 7-11 pm Call 4779520 March of Dome spooky Acres Haunted House. Portsmouth 7-10 pm call 535-4828 Great Pumpkin Fall Fling Hampton 12-6 pm Sat. Call 727-0900 Monster Fest 6 Chesp central library call 410-7120

Don’t forget to check out pembroketowncenter facebook fanpage to see about the Halloween events happening at the plaza. While your there become fan of the page. Submit Photos and reviews.

Alison Creamer Realtor, ABR REMAX FIRST 5511 Princess Ann Rd Virginia Beach, Va 23642 Licensed Agent in Virginia

www.Bzibee.com www.facebok.com/bzibeerealestate www.alisoncreamer.com

Follow me on Twitter @Bzibee

The number of active residential listings was actually lower year-over-year by more than 5%. Of course this points to more competition in competing homes.

9% of the sale were short sale or bank owned this is an increase from 3%. CAN you say BARGAIN shoppers !!

Residential inventory for housing increased to 10.4 months in May.

Settled residential sales has increased each month since January 2009. In May, foreclosure properties comprised 16.3% of settled residential sales. Foreclosures have been holding steady between 14.6% and 17.2% each month.

Pending sales are up.

May 2009 Highlights Listings: Residential active listing count went up slightly from 14,326 (Apr 09) to 14,401 (May 09) a 0.5% increase, but it is down year-over-year by -5.2%.

Sales : Total Residential Sales were down by -10.36% as compared to May 2008 (1,531 vs. 1,708).

Inventory

Compiled monthly by Sacramento Association of REALTORS® and rewritten and inspired by me with a little spin !

My name is Naoma Doriguzzi and I am a mortgage consultant with Union Mortgage Group. I have been doing mortgages for the past 4 years in Virginia. I have access to hundreds of programs and there is a loan for almost every situation. Whether you want to purchase your dream home or refinance your current home, I can provide a custom solution to fit your need.

· Commercial · 100% Investment Properties · Stated Income · Less than Perfect Credit (As low as 480 credit) · Interest Only · New Construction · FHA/VA/VHDA · 103% Financing

Because most of my business comes from referrals, you are very important to me. When you refer your friends ,family and people you care about to me, you allow me to focus my time and attention on you and your borrowing experience. Your endorsements are greatly appreciated! You are the foundation of my business.

Contact me for your free consultation, and experience the fast, fair and friendly service that I can provide.

Naoma Doriguzzi 757-971-2876 Cell 757-306-3300 Office 757-306-3304 Fax ndoriguzzi@union-mtg.com

Justin A. Williams Sr. Loan Officer Office Phone:(757) 490-9200 Cell Phone:(757) 692-3464 Address:4701 Columbus St Suite #300, Virginia Beach, Va, 23454 Email: Justin.Williams@prosperitymortgage.com