Want the biggest uplifting surprise of the month? I was actually floored by this You Tube presentation. Please let me know if you enjoyed this as much as I did.
Click and...Enjoy!
http://www.youtube.com/watch?v=9lp0IWv8QZY
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Under a new plan millions of home owners may be eligible for help from the government to either refinance or get loan modifications to their existing mortgages. This program is meant for homeowners struggling to make payments. More information is available here http://makinghomeaffordable.gov/
There is a loan qualification page that tells you if you qualify for the new loan program.
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Over and over Lynchburg, VA has been ranked as one of the best places to live by a variety of organizations. There are several places on the Internet that give more information about Lynchburg, real estate investments here and the value of retiring or investing here. Here are a few examples:
1. CNN
2. Today Program
3. Money Magazine
4. Liberty University School of Law
5. Lynchburg, VA Information
6. My Web Site
7. My blog
8. Sperling’s list of Best Places to Live
9. Inc.com “Boomtown 2007” The Best Cities for Doing Business
10. Forbes’ Magazine Best Places for # Business in 2006
11. Forbes’ Best Places for Business and Careers in 2007
12. Newsweek lists Lynchburg’s two public high schools among the top public high schools in the country
13. National Geographic’s 2007 Top Small Towns to Live and Play
14. Men’s Journal, in 2007, pronounced Lynchburg #1 of the Top 5 Cleanest Places and one of the “50 best places to live in the United States.”
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National Average Fixed Rate Mortgage are up 4.0 basis point at 4.95% on April 6, 2009
A Basis Point (bps) is 1/100 of 1.00% Fannie Mae Mortgage Backed Securities (MBS) Down 8.3 basis points to 4.432%
If you are in a situation to lock, this may be the time to lock in rates. Indications show rates may be on the rise.
If you are considereing buying, this may be the best time in recent memory to buy. Rates are very low and there is a great inventory of homes.
Call me to find your perfect home. I'd love to work with you!
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The most popular advertised Free Credit Reports are not free. I recommend to my Lynchburg area buyers that they get their credit reports and view for accuracy before they begin looking. Why is this important?
Every time someone else pulls your credit report, your score goes down. Pull your own, view to make sure all information is correct and take a copy with you to your lender so they do not have to pull.
In 2003 The Fair and Accurate Credit Transaction Act (FACTA), allowed all Americans to get one free credit report from each of the three major credit reporting agencies - Equifax, Experian and TransUnion - every 12 months.
Here are truely free resources:
AnnualCreditReport.com Telephone: (877)-322-8228
By mail: complete the Annual Credit Report Request form and mail it to: Annual Credit Report Request Service P.O. Box 105281 Atlanta, GA 30348-5281
You are also intitled to a free report if the following has happened:
1.You applied for a loan and were turned down. You must ask within 30 days of being turned down for the loan and you must supply the turndown.
2. You have lost your job or are unimployed and are applying for other jobs.
3. You're receiving public assistance.
4. You think there may be mistakes on your credit report due to fraud. •
5. Certain states require that reports are free every 12 months. Here is the contact information for the two major companies that do credit reports.
Equifax: 1-800-685-1111 Experian: 1-888-397-3742
TransUnion: 1-800-916-8800
Each company also will take requests by mail.
Equifax P.O. Box 740256 Atlanta, GA 30374 Experian P.O. Box 2002 Allen, TX 75013
TransUnion P.O. Box 2000 Chester, PA 19022 Include the following info in your letter. Be sure that each person requesting the report signs and dates the request, full name, date of birth, current and former address, social security number, your spouse's name, your phone number.
Another interesting site is www.myfico.com which allows you to enter information to estimate your fico score and what might influence it.
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I've been in this crazy, fast changing business for more years than I care to admit. I service Lynchburg, Forest, Goode, Bedford City and County, Amherst, Campbell County areas! Call me!
Wow! How do you get across to someone you've never met what kind of agent you are and how you conduct your business?
I love Lynchburg and the people here. Being the best of the best is important to me! That does not mean being the top seller-it means taking the time to do my best for every customer and client I serve.
I always try to be upfront and give you the facts. I have fee appraisal experience and price a home using the same methods I was trained in to do appraisals. What good does it do to price a listing higher than it will sell for? Pricing is key in any market! Back it up with the facts! I offer a guarantee! You don't like my service, you can get out of the contract. Previous showings are exempted. No one has ever asked!
For buyers, I understand how stressful it is to move. Even if everything goes smoothly, it is still one of the most stressful times in our lives. My job is make it go off without problems, to keep you informed every step along the way. An experienced agent with a few years under their belt is key!
I know the ropes and get you through this and closed in short order, communicating every step along the way. I treat you like a friend because I hope to leave you one. Buying is stressful. My job is to make it less so and get you to closing in a house that's "home" to you!
I consider the Real Estate experience to be a personal experience so I do NOT have an assistant! If you call me, you will really get ME.
Buying or selling, I'd welcome your contact. Finding the perfect property takes time and an agent willing to spend it helping you find that perfect property. I've got the knowledge base, over 25 years of practical experience in various areas of Real Estate in the Lynchburg area from building to appraisal work to listing and selling.
More contact information is available about me off my web site www.normasells.com or my blog www.lynchburgvablog.com. I hope you'll visit me there. I have a toll free number.
Below you will find customers who have something to say about me. I always feel uncomfortable about this, but real estate is about trust and you don't know me. Perhaps you will find some comfort in their opinions!
I look forward to meeting and hearing your story!
I specialize in residential real estate and relocating buyers in Lynchburg, Bedford, Campbell, Amerst Counties and Forest and Goode, VA. I work with buyers and sellers and can help sellers find homes and relocate anywhere in the world.
Norma listed and sold two homes for us recently. We have sold homes before- but never so quickly with a minimum of hassle. She got us top dollar for our homes and we sold both almost immediately (we had offers on each within just a few days of listing). Her approach with virtual home tours available on the internet allowed us to find a buyer who purchased one of our properties long distance, from Europe. Norma is easy to work with, kept us abreast of everything, and has great attention to detail. We would use her again if we still lived in the Lynchburg area! She has our greatest recommendation.
Update-Our state has been hard hit by unemployment. We wish you were here to sell our houses- the agents here are lazy like you would not believe (actually you probably would!) and do very little.
Sarah Gregory-Marshfield,WI Kelly Villiers
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My experiences with Norma Brandsberg as a Realtor cover more that 25 yrs., and I have experienced the evolution of her skilled service throughout this period. Norma helped my family relocate to Lynchburg in 1981, and then helped us through the sale and purchase of several other homes in the area. Her skills as a Realtor range from her ability to quickly assess the needs of a family looking for a new home to her superior "hi-tech" online sales techniques which are, in my opinion, among the best of the best! I can't imagine buying or selling another home without her help! And I mean all of it!
Fay Hill-Forest, VA
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Working with Norma Brandsberg has been a dream! We were trying to sell our house on our own, and I just wasn't getting it "out there" the way I should have. I really had no idea who to market it to. We had a very unique property. Then Norma found me! She started sending us things in the mail to help us with our efforts, but she never called or hounded us. When finally I was ready to turn it over to a professional, I decided to call her. All of her mailings were done most professionally and I could see that she did all things in an excellent manner. She told me that we would have to move fast as soon Fall would be gone and she wanted to capture the beauty of the mountains with their Autumn splendor. She came out one day, took pictures, we signed a contract, which she told us we could get out of if we wanted to (unbelieveable!) and two days later she had the most beautiful website up that wonderfully captured the uniqueness and charm of our property. (She's a great photographer too!) Then 4 days later we had a buyer! I would recommend Norma to anyone. In fact, I do. She's the "only" realtor in town if you want quality, experience, excellence, and morals! Please do yourself a favor and call her if you should ever need a realtor.
Tracy & Carol Walker Big Island, VA
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If you thinking about working with Norma Brandsberg you are making a wise choice. Norma is simply the best I've ever experienced in working with a Real Estate Agent. She throws everything she has in making the sale or purchase of a home work for you. If you are like me you will find yourself drawing on her again and again for her advise in the real estate market long after the sale. If you are new to the area you will find her knowledge and understanding of the Lynchburg area extensive, insightful and accurate. Her energy and effort are amazing. I submit that you will find, as I did, a trustworthy and caring friend of the highest commitment and integrity, who also happens to be a very gifted and fine real estate agent.
Dan Mensink-Lynchburg, VA
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We haven't forgotten your kindness to us while we were in Lynchburg and if we decide to move there we will be sure to contact you. Carol O'Neill
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