The last two weeks have been fairly good in the land of Patterson. Since respectability has returned to my prognostication skills, I can type this week's picks with some pride. No more typing small talk! Let's strike while the iron is HOT! Here we go..............
MIAMI OVER Oakland - Hey Jeannette Neerpat! Your team has been very good to me! I'm going to put my faith in them one more time!
Arizona -3 at Seattle - The Cardinals have really impressed me. Conversely, the Seahawks have me wondering if the NFL has too many teams. Take the Cardinals with confidence.
Now....It is time for my Kara Casamassina Two-Pack! If you haven't noticed (I have to say it again), I have been on a roll with my NFL picks. I noticed a successful trend with picking Kara's two favorite teams.
Hence..............
Kansas City +5.5 v. New Orleans
St. Louis +6.5 at San Francisco
Is Kara a lucky charm? We'll find out on this weekend!
And finally..........my first Monday Night pick!
Cleveland +5 at Buffalo - C'mon Buffalo! My bandwagon seat is becoming uncomfortable. I still believe in you. However, I'll use the points as my seatbelt for this Monday Night's Bills Bandwagon ride!
Enjoy the Games!
After earning a 7-1 record from my NFL Week 9 picks, I plan on keeping it real simple for Week 10. I'm only picking GAME WINNERS and TAKING POINTS! However, I do have a bonus game that is for my readers to give their predictions. Here we go................
MIAMI OVER Seattle - This is the Jeannette Neerpat versus Nicole Weidauer special! Since Nicole has been a loyal reader of my blog, I won't bash the Seahawks. I'll just pick the Dolphins and move forward.
DETROIT +6.5 vs. Jacksonville - (Can lightning strike thrice in the same place?) The Jags have not beat any 2008 opponent by more than seven points. Will the trend continue? I'm counting on it!
ATLANTA OVER New Orleans - This is an opportunity for the Falcons to deny the Saints any chance to win the NFC South. Matt Ryan has been Mr. Rookie of the Year! There's nothing about this game that makes me worry about Mr. Ryan's performance.
BALTIMORE OVER Houston - Unfortunately (being a Steelers fan), the Ravens have been one of the 2008 NFL Surprises. Their winning ways should continue against those Texans.
KANSAS CITY +15 at San Diego - After last week's debacle, I wanted to wish Kara Casamassina an enjoyable NFL Week 10. Here's my attempt to make this come true!
GREEN BAY +2.5 at Minnesota - The Packers overtime lost to the Tennessee Titans is enough evidence for me to pick the road team in this game.
BONUS GAME (You are picking this one......NOT ME!) Philadelphia Eagles -3 v. New York Giants
Does Vegas know something that we don't know? I'm not touching this game with a 10-foot pole.
However, I'm very interested in your opinions of the game!
-- 10:29PM UPDATE on 11/8 -- After seeing the news story about the JaMarcus Russell injury....
Patterson takes Carolina -10 at Oakland.
Enjoy The Weekend!
Dear Senator McCain:
In my opinion, the word CONGRATULATIONS has been overused over the last 24 hours. Therefore, I will not congratulate you. I want to sincerely thank you!
Because of how you have (and continue to serve) this country, you deserve our heart-felt thanks. Your historical place is SECURE! Your record and SCARS assure that!
You said....."...the failure is mine...." I disagree. I have my opinions about the decisions that affected the outcome of this election. However, this is not the time or place to state those opinions.
Instead, let me and others state this clearly! We are proud to call you the Senator from Arizona. We are eternally grateful to your service to this country.
YOU DID NOT FAIL! Tonight was not about you or President-Elect Obama! In my opinion, there are some events that are not controlled by Man. Tonight was about HISTORY!
I thank you for your speech on last night. You are a true gentleman and patriot of this country!
We'll see ya down the road!
Sincerely,
David Patterson, Citizen - Columbia, South Carolina
--- NO POLITICAL OPINIONS PLEASE! ONLY PREDICTIONS! ---
NFL Week 9 gave me an opportunity to exhibit my true abilities to prognosticate in the crazy world of American Professional Football. My recent success (7-1 on last week) has motivated me to handicap tomorrow's "Super Bowl". Of course........I'm not talking about Super Bowl XLIII. I'm talking about tomorrow truly historic United States Presidential Election.
NO MATTER THE OUTCOME........Someone is going to make history!
Will it be Alaskan Governor Sarah Palin or United States Senator Barack Obama from Illinois?
NOTE......This is NOT a Political Post! This is an opportunity to get your TRUE prediction for tomorrow's election.
Here is my attempt to be an ODDSMAKER..........I am going to make Obama the favorite!
Obama -26 Electoral Votes 
McCain OVER/UNDER 252 Electoral Votes
I would love to get your comments/prediction for tomorrow's election.
LET ME SAY THIS AGAIN!!!! This is not meant for anyone to place their political opinions on my blog.
All I want from you is a PREDICTION!
Will Obama cover the spread? (Meaning...Will Obama win by more than 26 electoral votes?)
Will McCain get more than 252 Electoral Votes?
You can predict on the spread, the total number of electoral votes or both!
The choice is yours! Regardless.....LET'S ALL VOTE!
I'll see you on tomorrow at the polls! BRING A BOOK and an IPOD!
In a previous post, I discussed the FHA 100% Stipulation on residential resales. After yesterday's events, I have some more goodies to share with you on the possible pitfalls of obtaining FHA Financing.
I received a call from a loan officer about a closing that was being delayed (AT BEST). Ironically, both buyer and seller are unrepresented! The buyer decides to obtain FHA financing on a home in a rural suburb of Columbia SC. For the most part, the transaction has proceeded without much drama. 
THEN................THE OTHER SHOE DROPS!
The property possesses a well that is used as a water source for the home. During the FHA Appraisal, the inspector discovers a public water line and makes a key determination. It is feasible for the home to be connected to public water. Hence, the following information comes from the FHA Underwriter..........
"A CONDITION HAS BEEN ADDED [for loan approval] TO VERIFY WATER CONNECTION TO SUBJECT SITE, BASED ON............THE COST TO CONNECT IS [LESS THAN $500] WHICH IS LESS THAN 1% OF THE PURCHASE PRICE (3% IS CONSIDERED FEASIBLE)."
FEASIBILITY EXAMPLE: If the home is being sold for $200,000 and the connection can be made for less than $6000, then FHA Underwriters require public water service to the home.
I know. I know. This is not a sexy or thought provoking blog post. However, this information could save you some headache early in the sales process.
I will keep you updated on the FHA Financing pitfalls as much as possible. STAY TUNED!
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Through constant commitment to your real estate goals, my mission is to become one of the most trusted, best trained, solutions oriented Brokers in Columbia. Have referrals? Consider this CRS
My name is David Patterson. I am Broker Associate and Technology Chairman on the Associate Leadership Council (ALC) for Keller Williams Realty in Columbia SC. Let me take a moment to tell you about my experiences, hobbies and professional mission statement.
I was born and raised in Southern West Virginia. I attended Mount View High School and was Defensive Captain of the First Playoff Team in MVHS Golden Knight Football History. How would I rate our first defensive performance? Mount View 12 -- #4 Martinsburg ZERO!
I obtained my Bachelor of Arts Degree in Mathematics (Computer Science Minor) from Queens University in Charlotte, North Carolina. Queens is truly a community and an extended family of diverse backgrounds (we miss you Dr. Billy O. Wireman).
After Queens, I launched my Information Technology career with NationsBank (Bank of America), ADS Financial Services Solutions, Quick Solutions, Inc. and BlueCross BlueShield of South Carolina.
Currently, I am a real estate Broker with Keller Williams Realty in Columbia, South Carolina. My mission statement is to become one of the most trusted, best trained, solutions oriented real estate broker in South Carolina. What makes me qualified to publish this blog?
I have been awarded the prestigious Certified Residential Specialist (CRS) Designation by the largest not-for-profit affiliate of the National Association of Realtors.
DAVID PATTERSON LOVES HELPING FIRST TIME HOME BUYERS and FORT JACKSON PCS AND JOB RELOCATION MOVES TO COLUMBIA AND IRMO SC! [click here to watch a video testimonial from one of my relocation clients]
I've been awarded the Certificate of Professionalism by the Greater Columbia Association of Realtors. GCAR recognizes some of its members for their participation in educational opportunities which sets us apart as professionals with the knowledge and skills to provide clients with the best possible service.
Also, I am a licensed real estate instructor with the Real Estate School for Success. If you are interested in getting your real estate license, read Darleen McCullen's post on obtaining your real estate license. Who knows.....I might have a role on my team for you.
Enough about my business side! What does David do for fun? 
Like the O'Jays..........I LOVE MUSIC! All types.....Old and new! RIP....Gerald Levert! If you're interested in some of my favorite songs, VISIT MY SQUIDOO LENS.
I'm an avid sports fan! Some of my favorites include:
Kevin Garnett - KG....You are "CERTIFIED"!!!
The Atlanta Braves - Let's get back to the glorious days known as the 1990s.
The Pittsburgh Steelers - BORN & RAISED a Steeler fan.
I can't claim too many hobbies. However, I enjoy......
Old game shows such as Match Game, Family Feud, the bonus game on the $100,000 Pyramid. One day.....I'd like for you to see me achieve my goal of appearing on a game show.
Playing Golf.....However, it is hard to play as much as I like. What's my handicap? My drive off the tee!
Traveling - I will save my Top 10 Destinations for a future blog post.
Spending time with my friends and family. My mother has 9 brothers and 5 sisters. Family reunions and holidays are truly fun. Oh...I don't want to forget one of my favorite members of my family. Introducing my niece Amaya Jade Martin
She's going to be a superstar! In what field? Whatever she chooses!
That's me in a nutshell. Please feel free to contact me with your real estate questions or requests. Until we meet, my prayer for you can be found at III John 1:2
"Beloved, I wish above all things that thou mayest prosper and be in health, even as thy soul prospereth."
Other than publishing one of the few ACTIVE blogs in Columbia, South Carolina (The Patterson Files)....
David specializes in FREE Buyer Representation and FREE Buyer Counseling for First-Time Home Buyers, Growing Families Needing to Sell and Purchase a Bigger Home AND Relocation Clients (From California, to Chicago, to New York and beyond....). David also has experience serivcing members of the military that are stationed at the United States Army Training Center (Fort Jackson) in Columbia, South Carolina and participates in the Real Estate Military Advantage Program.
CLICK HERE FOR A VIDEO TESTIMONIAL!
'Patterson Group provides excellent service. Everything was done that could be and was done in a timely, professional manner. Even Mark Thomas (Closing Attorney) did and adequate and wonderful job. Thanks to Patterson Group for changing our negative feelings about buying/selling a home. YOU GUYS WERE AWESOME!' -- SSG Jarrett C. Vandi - US Army
"David will always be the agent we will choose. We've already spoke to him about our next purchase and the sell of our home when we're ready. Our encounters made us feel good about our choice." E. Lewis - Columbia, SC
"We cannot say enough wonderful things about David. He made himself available to us regardless of how many times we had to go back to the drawing board. He remained patient and courteous. He listened to what we wanted and could afford. He was persistent until he found us the perfect home. He is very competent in his job and that gave us a peace of mind! We would recommend him to family and friends." Sherry L. - Columbia
‘As a real estate investor, David better understood what properties fit my strategies. Thinking about other agents...they could take lessons from David.' Charles H.-Elgin, SC
‘Patience and Professionalism. It has been a breath of fresh air to work with someone who had our best interest at heart. It definitely is the start of a good business relationship and friendship.' Katherine A. - Columbia, SC
‘When I think about our real estate experience, what stands out the most is David's patience and professionalism. He kept us informed along the way and did everything to ease our mind.'
"I would like to thank your organization for the opportunity to buy
our first home with you, above all I would like to say that our realtor
David Patterson help us and really made us feel that we could depend on
someone in the most difficult process of a life time which is to purchase a
home, he looked out for our best interest while staying professional at all
times, I felt like he was our big brother. I know that if any one needs to
buy a home I will refer them to David Patterson without hesitation. Please
keep people like David working for families like ours."
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