Episodes
Friday Jan 23, 2009
January Thoughts
Friday Jan 23, 2009
Friday Jan 23, 2009
Still looking to buy a home ? Lets talk about it . I see tons of great buys.
Friday Jan 09, 2009
Interview with Justin Williams ,Prosperity Mortgage
Friday Jan 09, 2009
Friday Jan 09, 2009
Thanks to Justin Williams a lender at Prosperity Mortgage . Our conversation today is about getting the best mortgage options and looking at second opinions. There are still great loan opportunities for credit challenged and cash poor buyers. Justin explains credit scores are not the only factor in getting a loan. I welcome you to give Justin a call if you want to investigate other options for your mortgage. Please tell Justin you heard his PODCAST with Alison Creamer when yo do call. 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
Wednesday Jan 07, 2009
Thursday Nov 20, 2008
Winter is heating up !
Thursday Nov 20, 2008
Thursday Nov 20, 2008
Hello , I just wanted to comment on the recent buyer traffic in Hampton Roads. I currently have several listing 1. Virginia Beach 2. Norfolk 3. Portsmouth. It appears in the last 30 days I have had more calls on them than in the last 60 days. I wonder what give. Maybe buyers are seeing this is peak season. Get the home before the end of the year and have a fresh start. I'm hopeful my listing in Hill Crest farms gets a solid buyer soon. My two Norfolk listings are getting great activity and I might have one with a real solid buyer if the bank will approve the short sale. Portsmouth listings still seem to be pretty slow. No calls or traffic I have not even had an investor bite on this one ? Well I do think the buyers are seeing now is the time. GET the best deal of the century or wait another year to buy. Who know what the state of the economy will be then ? I know if you bite now at least you can get your interest free government loan and get all the new furniture or maybe pay off other debt at 0% wow how can you go wrong. ?
Friday Nov 07, 2008
Are there 100% loan options to buy a home ?
Friday Nov 07, 2008
Friday Nov 07, 2008
Comments about Hampton Roads Real Estate. Are there still 100% loans ? YES There is. Here is a quick commentary from Brad Shoemaker about what you can do to buy a home with no money down. We still have VA Loan as well as SPARC and VHDA options. Dont be afraid to research and see what might be the best options for you . Brad is a mortgage officer with Southern Trust. He can be found in the REMAX Allegiance off @ 575 Lynnhaven Parkway Virginia Beach. Or call me @ 757-652-8880 to talk about your options . Talk to brad about the Homebuyers Tax Credit you can get up to $7500 back when you file your taxes. Its a interest FREE loan and paid back over 15 years when you file your taxes. Alison Creamer
Monday Nov 03, 2008
Why a Realtor is a better option
Monday Nov 03, 2008
Monday Nov 03, 2008
Real Estate is a stressful process. What you don't know can hurt your wallet. Even if you get top dollar what was your stress like. Sometimes it is only AFTER the sale you realize Oh My gosh we really messed up. Lets talk on how I can make this easier and reduce your stress. Hampton Roads Real Estate is not the national Real Estate market. KNOW what you're doing. After all do you google how to defend your self in court or do you hire a lawyer ! Call Alison Creamer with RE/MAX Allegiance . Licensed Full time Hampton Roads Realtor. Specializes in working with first time buyers and move up markets in hampton roads.
Monday Nov 03, 2008
2513 Pinto Drive Open House
Monday Nov 03, 2008
Monday Nov 03, 2008
Great Deal in Hillcrest Farms. Get this home at a bargain price. Almost 3400 Sq feet. One of the largest homes on the market for the lowest price ! Alison Creamer, Realtor
Wednesday Oct 22, 2008
Why are we in this Business ?
Wednesday Oct 22, 2008
Wednesday Oct 22, 2008
WHY are we in this business?
We ask ourselves this on a regular basis. As I sat in my business planning session today at RE/MAX Allegiance we all pondered this question. It's a tough situation for buyers, sellers and even agents. Everywhere I look it seems someone is being affected by this crisis. We hear about layoffs, Stock Market drops and the bust of the housing bubble along with a credit crunch. As business we spend the same amount if not more in this market on advertisements, fees, dues and associations. Now we have tech tools, websites, and a multitude of other expenses to keep ahead of the competition. There are days I wanted to shut down and scream doom and gloom just like everyone else. Instead I spent my time thinking wow I should be thankful I am successful. And I have been the past few years. I never in a million years would a thought I would earn a 6-figure income. Me, yes me the average student in school who had the hardest time not typing anything with out a misspelling or a grammar issues. (I still do) I did not go to collage or business school. I just have drive and determination. I choose to be successful. YES I think you can CHOOSE what you are and are not going to do in this world. I find my self-looking at basic skills. Door knocking, Open houses, ANSWERING my phone when it rings. Its time for us to get back in the game. Put those rose colored glasses on. You know the ones you had when you got your license. It seems that all we see is doom and gloom. I want to go back to the bliss of the unknown. I don't know what is going to happen. I have no idea if Ill still be around in a year or two. I can tell you this. I’m not quitter. I have no one to blame but my self if I don't get up and make something happen everyday. I just know I’m still willing to do what I can to be successful in any market that comes our way. I earned my license (YES EARNED) it in 2002, Heck no one gave it to me. I had to work for it. At that time I had no idea of a doom and gloom market. I was a hot tamale ready to jump in the car to every home. I was a team leaders dream. I was young aggressive and willing to soak in loads of time to make money. I knew nothing of the stress or the worries that comes with real estate. What happened to us? I think anyone who has been in this field for at least 4 years for some reason thinks we are all supposed to sit and wait for the calls to come in and the sale to just happen. I’m seeing now that was GRAVY and if you want to stay in this business its time to WORK What are my feelings about 2009 Market? It’s going to be a crazy roller coaster. I have to be at the top of my game. Work more earn less but be 100% in it. I am not going to find the freedom of what I do anywhere else. I love my job. I love my clients. And I love the feeling of success after a closing.Friday Oct 10, 2008
If you rent and you loose your home to forclosure
Friday Oct 10, 2008
Friday Oct 10, 2008
I was wondering what happens if the landlord does not pay the mortgage. Its sad when the renter no longer has a home because the owner did not payt the mortgage. What happens ? Who sees the the renter is not homeless. Oh my its just a whole nother issues of what todo in this market
Tuesday Oct 07, 2008
Short sale Experiance
Tuesday Oct 07, 2008
Tuesday Oct 07, 2008
Blogging today is a blank ! Have you ever thought what the heck am I going to blog about. I mean afterall everything I have to say is what we all know already. Bail outs, meltdowns, seller screaming , some days I just can't take it. I love what I do and when it goes smooth it goes smooth !!!! Oh yes I know I can blog about myshort sale experiance. I have to say it was smooth as butter !!!!! Yes I mean really it did. I listed a home in Aragona, Brick ranch with 3 beds no AC and in as is condition. I put a price of 175k on it. This was a VHDA shortsale and it was my first one. with all the short sales you would think there would be more knowledege out there. I spent hours and hours reading blogs and more blogs trying to make sure I get all the loose ends wrapped up. I asked my clients for complete access to the lender I think this was the 1st and best step I could have asked for. VHDA set an apprasial and the value came in at 170 as it. I lowered the price and with in 2 weeks we got 2 offers both at around 154 one asked for money the other did not. VHDA was very prompt in replying. I was given instructions to the listing the offer and process. It was that simple ! The buyer did there inspections we removed the contigency and closed. It was amazing !!! As a listing agent I expected a night mare I figured the worst, it was such a surprise. The buyer was hapy the seller was happy and both agents were happy. Now Im off to figure out how to do a shortsale with countrywide, Ocwen, and Citibank. I dont think it is going to be as easy. Im one happy gal tonight just picked up the closing check and delivered it to the office