Brady Howard Chesapeake and Portsmouth Realty Pro

Dear Buyers, Investors, and Sellers;

I hope this finds you and your family well this holiday season. As we close
out 2008 I wanted to take just a moment to thank you for making this unusual
year in Real Estate a successful one for USMILHOMES.com. As we kick off
2009, I wanted to give you some food for thought.

In case you had not heard, on Tuesday the Federal Reserve lowered its key
interest rate to 0.25% -- the lowest level ever "MSN". Several banks have
announced they are lowering their rate to 3.25% in light of the Fed's
decision. Typically the prime rate is 3 percentage points higher than the
fed funds rate "CNN MONEY". This will trickle down into mortgage rates
soon resulting in historic low mortgage rates.

For you as a homeowner or an investor this means the time to buy is now. If
you are not in the market to buy you should at least consider refinancing
your current mortgage at a lower rate. In the words of Donald Trump, "Buy,
Buy, Buy, now is the time to Buy" House prices are at there lowest and the
fed just cut the rates. Pool your money, borrow from your family talk to
your accountant, whatever it takes, get in the game now!"
Take a minute to give me a call, I am available discuss an approach that
makes sense for you. Together we can make 2009 the year you move form
working for your money to the year you start making your money work for you!

I look forward to hearing form you soon.

Sincerely,

Brady Howard, Broker Associate

Keller Williams Elite Realtors

757-635-2516

bradyhoward@kw.com

Amy House, Senior Mortgage consultant

757-241-41

amy.house@newamerican.com

We are experts at getting the job done the first time, and we thrive under pressure,

bring us your hardest deals and well make them happen.

For Sellers in the Real Estate Market

2008 has not been very kind. We experienced falling home values and turmoil in the financial lending that turned the Real Estate market on its ear.

The positive light at the end of the year is the current lending conditions
are looking better. For buyers the opportunities to buy are wide open. As
for sellers, I advise you look at the big picture and remember that even
though you feel like your losing on your current home sale, you stand to
make up the difference and more on the buying side of the transaction.
If your moving up in price range you will most likely be in a much better
equity position than you are now, and with interest rates at the lowest
level in history, you really can't go wrong if you have at least a 3 to 5
year time line.

Give me a call and let me help show you how you can still come out on top in
a down market!

Sincerely,

Brady Howard, Broker Associate

Keller Williams Elite Realtors

757-635-2516

bradyhoward@kw.com

Amy House, Senior Mortgage consultant

757-241-41

amy.house@newamerican.com

V/R

Brady Howard

Interest rates -- especially mortgage rates -- are headed lower after the Federal Reserve said this afternoon that it would set its key interest rate at 0% to 0.25% -- the lowest level ever. "MSN"

.

Several banks announced they were lowering their prime rate to 3.25% in light of the Fed's decision Typically, the prime rate is 3 percentage points higher than the fed funds rate. It was 4% before Tuesday's rate cut "CNN MONEY"

In the words of the wealthy, buy, buy, buy, now is the time to buy, House prices are falling and the fed just cut the rate to 0%, Pool your money, borrow from your family talk to your accountant but get in the game.

I am available by phone every day after noon. 8-12 I'm calling clients. I can have a search of REO's short sales, and resale's to you within hours. I am already working with investors, but have room for more, we can get a bus if need be. My lender is standing by to answer any questions you have. You can call her first to qualify or come out take a look and qualify when you find what you want. If you live out of my area we have 79,000 agents throughout the U.S.

Call now or leave an email, I will respond asap. I will also give you my lenders name and number,

Brady Howard, Broker Associate

Keller Williams Elite Realtors

757-635-2516

bradyhoward@kw.com

Amy House, Senior Mortgage consultant

757-241-41

amy.house@newamerican.com

We are experts at getting the job done the first time, and we thrive under pressure, bring us your hardest deals and well make them happpen.

V/R

Brady Howard

Be Blessed and I look forward to working hearing from you to answer your questions

Twelve days of Christmas for Realtors:

12 ARMs a-justing;

11 lovely Listings;

10 Bankers Begging;

9 Leads a-calling;

8 Maids a-cleaning;

7 percent Commission;

6 working Websites;

5 golden Offers;

4 Calling Centers;

3 day Weekend;

2 Points at closing

...and a closing and a sale per week! Happy Holidays to all - and to all a GREAT NEW YEAR!

That was Last year, this years, is better

12 homes foreclosing

11 short-sales failing

10 agents leaving

9 brokers indicted

8 clients suing

7 open houses

6 no show days

5 months of waiting

4 2nd jobs

3 shops closing

2 bridge jumpers

...and a low ball offer on your under priced house..

Get out there and shake up the Media, we have to drive this from the inside out. Our local Realtors got together with the Media and we presented our views, we gave them our numbers and how we see the market. This is the news that they are going to start using.

Perception is the number one thing influencing our market, and it is Media driven. We are striving to change this and pulling together as a community, no more red, blues, and whites, just Realtors looking out for each other.

March forward, band up and make a difference. Brady

Twelve days of Christmas for Realtors:

12 ARMs a-justing;

11 lovely Listings;

10 Bankers Begging;

9 Leads a-calling;

8 Maids a-cleaning;

7 percent Commission;

6 working Websites;

5 golden Offers;

4 Calling Centers;

3 day Weekend;

2 Points at closing

...and a closing and a sale per week! Happy Holidays to all - and to all a GREAT NEW YEAR!

That was Last year, this years, is better

12 homes foreclosing

11 short-sales failing

10 agents leaving

9 brokers indicted

8 clients suing

7 open houses

6 no show days

5 months of waiting

4 2nd jobs

3 shops closing

2 bridge jumpers

...and a low ball offer on your under priced house..

Get out there and shake up the Media, we have to drive this from the inside out. Our local Realtors got together with the Media and we presented our views, we gave them our numbers and how we see the market. This is the news that they are going to start using.

Perception is the number one thing influencing our market, and it is Media driven. We are striving to change this and pulling together as a community, no more red, blues, and whites, just Realtors looking out for each other.

March forward, band up and make a difference. Brady

Twelve days of Christmas for Realtors:

12 ARMs a-justing;

11 lovely Listings;

10 Bankers Begging;

9 Leads a-calling;

8 Maids a-cleaning;

7 percent Commission;

6 working Websites;

5 golden Offers;

4 Calling Centers;

3 day Weekend;

2 Points at closing

...and a closing and a sale per week! Happy Holidays to all - and to all a GREAT NEW YEAR!

That was Last year, this years, is better

12 homes foreclosing

11 short-sales failing

10 agents leaving

9 brokers indicted

8 clients suing

7 open houses

6 no show days

5 months of waiting

4 2nd jobs

3 shops closing

2 bridge jumpers

...and a low ball offer on your under priced house..

Get out there and shake up the Media, we have to drive this from the inside out. Our local Realtors got together with the Media and we presented our views, we gave them our numbers and how we see the market. This is the news that they are going to start using.

Perception is the number one thing influencing our market, and it is Media driven. We are striving to change this and pulling together as a community, no more red, blues, and whites, just Realtors looking out for each other.

March forward, band up and make a difference. Brady