Alison Creamer, Hampton Roads REALTOR®

Free benefits with Farm Bureau Insurance

Lee Pridgen and Alison Creamer are at the Daily Grind in Virginia Beach Town Center. Today was a podcast about Farm Bureau Insurance benefits. Did you know you can get VIP entrance and a lawn chair for the first 50 Farm Bureau Insurance clients who come to the Virginia Beach Amphitheater. Lee and I talk about how to protect your self before a hurricane. Please call Lee to talk about your insurance needs. Im sure he can help you out ! Agent (o) 757-467-0603 (c) 757-620-0361 (f) 757-467-0508 1055 Kempsville Rd Virginia Beach, VA 23464 www.FarmBureauAdvantage.com

Fannie Mae and Homepath Homes

James Walrod Lender with Union Mortgage and Alison Creamer Realtor with Keller Williams Realty are at the Daily Grind in Virginia Beach Town Center today talking about how to buy a foreclosed home using the Home Path loan. Are you looking for homes that are bargains and distressed ? Did you know the bank will give you financing and do some fixing up for you . Its a GREAT way to get the house you want and get the repairs you need in order to buy the home. If you want more information about these kinds of homes please send me an email alison@bzibee.com and Ill send you the list of homes that qualify for this. http://www.fanniemae.com/homepath/financing/index.jhtml ( information about the program ) James Walrod. 757-351-6408 Call James today to talk more about getting a loan on your next home.  NMLS 1907, NMLS 260324

You might not want to REFI right now ?

Im here are The Daily Grind in Town Center, Virginia Beach discussing refinance options with James Walrod of union mortgage. We both agree sometimes you don't want to refinance. If your saving 100 a month but it cost you 2400 to do it and you think you will be moving its not in your best interest to refinance your mortgage rate right now. James can take you through the steps to see if its really in your best intrest to refinance your home today. James Walrod. 757-351-6408 Call James today to talk more about getting a loan on your next home. James.Walrod@union-mtg.com NMLS 1907, NMLS 260324

Simple things to help you sell your home

I know this is going to sound very simple to some I have to tell you I cannot count the number of homes I have gone in and people do not see the detail cleaning that could be done. Kitchen and baths will make or break a sale many times. If your competeing with an as is sale price in your neghborhood then why would you want your home to look like its going to be an as is sale as well. Take time to clean and detail the home. Declutter and get organized. Hire a stagger to help you. If need be get some contractors in there to make your house pop with style. Simple things like new pulls and hinges in the kitchen do help. Its sometimes all the little things that make a buyer say yes. Alison Creamer Realtor, ABR, CDPE Keller Williams Realty 57-652-8880 www.bzibee.com www.alisoncreamer.com Licensed to sell Real Estate in Va

My lender said I was getting a 5.5% loan but the APR shows 6% ?

Vince Murray explains what is APR and what is your interest rate when buying a home. DO not get confused and the two numbers. Also So you REFI now or wait ? Vince Murray Tidewater Mortgage Services vmurray@twmortgage.com Phone: 757-605-4640

Price is all perspective

I was reading the Homefront article from the Virginia Pilot this weekend. Victoria Hecht had a great story about the cost of living in NYC compared to Hampton Roads. As I read the article it was apparent to me everything is perspective. Hampton Roads can be pricey if you're coming in from say Oklahoma. If you're a New Yorker then WOW you hit the jack pot when you moved here. Again its all perspective, our city sleeps, NYC does not. I hope you enjoy my take on the story and please share with me your thoughts on location and cost as you see it. Alison Creamer Realtor with Keller Williams Realty Hilltop 757-652-8880 www.bzibee.com

You booked your move online and they never showed up. What now ?

Im at the Daily Grind in Virginia Beach Town Center talking with Courtney Coe today. Not only is she a stunning you lady but a true professional in her industry. Our topic is about booking your move online and not getting what you expected . Courtney will come to you, Review what needs to be moved and put a plan together with you. The next time you think you will have an online move booked be careful they might have more fees or even worse they might never show up. How can a moving company tell you fee if they have never seen what will be moved ? Bekins Moving Courtney Coe 5827 Curlew Dr., Ste. 5 Norfolk, VA 23502 757-488-5666

I want a fixer upper can I get money for that ?

203k Streamline Rehab Loan Use this program to buy the cash only offer house that needs repairs done prior to closing to have a mortgage or the out-dated house that is perfect just stuck in the 70’s Loan Criteria: FHA loan with 3.5% down payment based on total of acquisition cost and repairs Must use an FHA approved inspector to determine estimate of repair costs Can be used to make repairs and upgrades to property after closing Appraisal value based on completed project Up to $35,000 in repairs No structural repairs allowed Can include cosmetic upgrades Construction must be complete in less than 6 months Can include monthly payments in loan amount while waiting for completion of project Must use Class A or B contractor that is licensed and insured McClean Mortgage Kevin C. Warren Senior Loan Officer 757-237-4920 860 Greenbrier Cir Suite 200 Chesapeake, VA 23320

REIN STATS

REIN, Real Estate information Network. The next few minutes you will be mesmerized by all the numbers for 2009 and 2010 June reports ! Some great points to a recovering market other point to a decline in the market. Im just wanting to see the reports for July. I think the first time buyer credit helped push all the homes to close by the end of June. Many people were fearing the loss of 8k.

Is now the time to REFI

Vince Murray with Tidewater Mortgage services Refi’s Is refinancing your home a good idea even if you’ve been in the house for a short period of time? Yes, the rates are in the 4’s now and it makes sense especially if you go with a 15 year loan. These rates are lower, sometime by a ½ % or more for a “par” rate comparison. Par is the going rate without paying any discount points to achieve that rate- meaning”0” points to buy down the rate. [You can pay up front to lower the interest rate.] In some instances the switch to a 15 year rate does not increase the monthly payment that much, especially if the client has paid on the 30 year note for a few years. With the reduced loan amount and the new reduced mortgage rate sometimes it can actually be lower per month. A recent loan I had done involved a single woman that had paid 8 years into a 30 year loan. I was able to knock off 7 years of the loan and reduced the payments by about $93 a month. She had financed less money for a shorter term and at a better rate. I believe that it was less than 2 % difference in the two loan rates. This same woman referred a neighbor of hers to me. In this case, her neighbor refinanced the original 30 year loan amount for 15 years and kept the cash difference to apply to some remodeling work. Her payment went up $106 a month, but knocked 8 years off her loan, and she was able to pay for the cost of the remodeling job. These are probably two exceptions to the general rule, but a 15 year loan saves so much money that it is worth it in the long run if you can afford the difference, since the rates are so low now. Whether it is a new purchase or a Refi, the time is now. When the government decides the value of the dollar is too low or you hear the word inflation in the news a few times during a weeks’ period, watch out- higher rates will follow the next week. I try to encourage people to act now and find out what can done for them because I don’t want them to say, “I wish I had refinanced when the rates were lower.” I know that has happened to me on more than a few occasions. The rates are at an all-time low now and it brings great satisfaction helping people get the most for their money. Especially afterwards when they say “that was easier than I thought.” Since completing the new testing and licensing requirements, I am more excited about the mortgage business. The new changes have been very positive. I have been receiving more new referrals and I can say that I have made many great new acquaintances. It’s nice to be involved in a business where you can help people actually find “new” money by refinancing or by giving them a peace of mind that they are getting the best deal available on buying their house.