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Kathy Carson Lynchburg, VA, REALTOR VA HOMES - LYNCHBURG, BEDFORD, CAMPBELL

SPEECHLES SUNDAY - THE POPLAR FOREST WINE FESTIVAL - LYNCHBURG VA

(picture taken at the beginning of festival)

1st Annual POPLAR FOREST WINE FESTIVAL

THOMAS JEFFERSON'S SUMMER RETREAT

FOREST, VA (suburb of Lynchburg, VA near my home)

(late afternoon shot as Festival was ending)

SHADOWS CREEPING UP ON MR. JEFFERSON'S LAWN

DO YOU KNOW WHAT THIS IS?

MR. JEFFERSON DID NOT WANT TO BE ABLE TO SEE THE "PRIVYS" FROM THE HOUSE SO HE BUILT THEM AND THEN HID THEM WITH BERMS.

THE SUNSETS OVER ONE OF THE BARNS AT POPLAR FOREST

"A MORSEL OF OF GENUINE HISTORY IS A THING SO RARE AS TO BE ALWAYS VALUABLE"

THOMAS JEFFERSON speaking of POPLAR FOREST

KATHY MYERS CARSON, ABR, GRI

RE/MAX 1ST OLYMPIC - LYNCHBURG, VA

434-660-4025

kcarson@jetbroadband.com

Follow me on TWITTER @ KATHY CARSON

Friend me on FACE BOOK - KATHY CARSON

"CALL MY SELL!!"

RE/MAX 1ST OLYMPIC AND THE SALVATION ARMY RED KETTLE - A GREAT COMBINATION!!!

THE SALVATION ARMY RED KETTLE + RE/MAX 1ST OLYMPIC REALTORS & STAFF

EQUALS A WINNING COMBINATION

The BROKERS, REALTORS AND STAFF of RE/MAX 1s Olympic in Lynchburg, VA kicked off our Holidays by Ringing THE BELL on Tuesday and Wednesday in front of the BIG LOTS Store on Timberlake Roa, Lynchburg, VA. I will say a fine time was had by all - the BIG LOTS Store Employees were great and fun to talk with and the customers gave cheerfully! WE ALL HAD A GREAT TIME - Do yourself a favor in this Holiday Season - Volunteer to RING THE BELL!!!

KATHY MYERS CARSON, ABR, GRI

RE/MAX 1ST OLYMPIC - LYNCHBURG, VA

434-660-4025

kcarson@jetbroadband.com

Follow me on TWITTER @ KATHY CARSON

Friend me on FACE BOOK - KATHY CARSON

"CALL MY SELL!!

HOME BUYERS GUIDE - ITEMS YOU WILL NEED FOR A MORTGAGE LOAN APPLICATION

HOME BUYERS GUIDE - STEP 7

ITEMS YOU WILL NEED FOR YOUR LOAN APPLICATION

PERSONAL INFORMATION

Residence Address for the last 2 years

Divorcee Decree (if applicable)

Drivers License for ALL Applicants

EMPLOYMENT

Employer Names and Addresses last 2 years

Gross Monthly Income

Copies of the last 2 years W-2 Forms

Pay Stubs Covering a full 30 day period (indicate Year To Date)

If your pay stubs are on-line you must access & be able to supply to Lender

Verification of Additional Sources of Income

If Self-employed

2 years 1040 Tax Returns

Current Year profit & loss statement

BANKING

Last 2 months of Bank Statements or Passbook Savings

Showing names, addresses, account number and account balance

MISCELLANEOUS

Info on all Cash Assets, Stocks, Bonds, Real Estate, Life Insurance

Veterans: Certificate of Eligibility

Check for Credit Report and Appraisal Fees - Approximately $400.00

VA - VHDA - FHA - USDA Loans require more intensive paperwork -

Your Lender will advise you of these additional requirements.

THE REQUIRED PAPERWORK MUST BE GIVEN TO YOUR LENDER IMMEDIATELY - IF YOUR LENDER CALLS YOU TO REQUEST OTHER INFORMATION - YOU MUST PROVIDE THIS IMMEDIATELY.

KATHY MYERS CARSON, ABR, GRI

RE/MAX 1ST OLYMPIC - LYNCHBURG, VA

434-660-4025

kcarson@jetbroadband.com

Follow me on TWITTER @ KATHY CARSON

Friend me on FACE BOOK - KATHY CARSON

"CALL MY SELL!!"

SPEECHLESS WEDNESDAY - ELMO'S LIFE

THIS IS OUR KITTEN "ELMO"

(BRYLAN NAMED HIM)

HE LIKES BOAT RIDES!

BRANTLEY & BRYLAN DEARLY LOVE HIM SO YOU CAN SEE HE

THAT HE IS KEEPING SAFE FROM 6 LITTLE HANDS

BY HANGING OUT IN THE TREE!

KATHY MYERS CARSON, ABR, GRI

RE/MAX 1ST OLYMPIC - LYNCHBURG, VA

434-660-4025

kcarson@jetbroadband.com

Follow me on TWITTER @ KATHY CARSON

Friend me on FACE BOOK - KATHY CARSON

"CALL MY SELL!!"

HOME BUYERS GUIDE - STEP 6

HOME BUYER GUIDE - STEP 6

STEP 6: THE CLOSING

•· A Closing Date is set - this date is not set in stone. The date can be moved forward for many reasons, do not get upset about this - it is normal.

•· You are given a HUD Statement by either the Closing Agent or by me. This will detail all of the expenditures for the transaction - for the most part this will be very much like the GOOD FAITH ESTIMATE given to you by your MORTGAGE LENDER at the time you made your application for the loan.

•· We conduct a Walk-Through a day or so before the closing. We make sure everything is the same as it was on the day that you made your offer to purchase the house, "no better, no worse."

•· On the DAY OF CLOSING - We meet at the Closing agency or Attorney's Office.

•· You will bring a Certified Check made out to the Closing Co or Attorney for the exact amount of the Closing Costs.

•· You sign a ton of papers.

•· You get the KEYS & YOU ARE A HOMEOWNER!!!!

CONGRATULATIONS!!!!

KATHY MYERS CARSON, ABR, GRI

RE/MAX 1ST OLYMPIC - LYNCHBURG, VA

434-660-4025

kcarson@jetbroadband.com

Follow me on TWITTER @ KATHY CARSON

Friend me on FACE BOOK - KATHY CARSON

"CALL MY SELL