About Roanoke County, VA

Your clients can still be able to purchase their home and not break the bank financing it! With a variety of loan features and benefits available - including up to 100% financing, a Rural Housing mortgage loan may be the perfect mortgage product for your clients.

Here's more information about our Rural Housing loan program and how it works:

• A 30-year fixed rate mortgage loan for 1-unit primary residence properties

• Up to 100% LTV (loan-to-value) allowed based on the appraised value
• Up to 6% seller contributions allowed
• No minimum contribution from the borrower's own funds required
• Borrowers can finance closing costs into the loan amount up to the maximum LTV amount
• No monthly mortgage insurance payments required!

Here to help...and fell free to call/email if you have questions.

Warmest regards,

Josh Perrington - 1st Metropolitan Mortgage, Branch Manager

www.1st-Metropolitan.com | Josh@1st-Metropolitan.com | 540.904.0842

Whoa! You've got to be kidding me, did this day really happen? Or rather, did this week really happen? Or maybe the real question is: DID THE PAST 6 YEARS REALLY HAPPEN? Today Hank Paulson announced that the government is opening up the Federal Government's check book to bail out the very troubled financial market.

I'm going to assume that if you are reading this that you are an American (frankly, I don't care if you're not, though I need to direct this towards a certain demographic.) So that being the case, Hank and his homeboys Ben Bernanke, W, and the rest of the goons we elected decided that they needed to put us on the hook for this mess. It is ironic that this happened after they took a very hard stand that they weren't going to do this anymore, this stance as recent as Monday (today is the Friday following the Monday in question.) And please remember that Monday was a very sad day for Leheman Brothers......that was the day Homeboy Hank let them fall. I know of one woman who lost $20 million dollars on that one. It is also ironic that Hank and the gang changed their tune when it was Goldman Sachs who was next on the watch list (Hank was the CEO of Goldman Sachs before taking the government job.) Odd? Pehaps.

Needless to say, there will be significant finger pointing and speculation in the next few months....read more here...

This was the comment that I just received from the reluctant listing agent of a vacant home I recently staged. He loved the staging but was not convinced that "just staging" was going to bring more buyers and in some ways he is probably correct.

It takes more than just staging to generate activity and bring about a successful sale. It takes the following things all working together to change a listing from "For Sale" to "SOLD":

• A Price Point that is in line with today's market and current conditions. You can not stage an overpriced home and expect it to generate activity and a sale. When I stage a home that has been on the market for a while, I want to know if it is being shown. If it is not being shown...that is a definite clue that the price is too high for today's market and in addition to staging, the price will need to come down. If it is being shown but no offers, then it probably a staging issue and staging can usually take care of the problem without a price reduction.
  
  
• A strong web presence for the staged home. Virtual tours, agent to agent eblasts, placement of the staged home on major real estate portals such as realtor.com, trulia, craiglist, activerain, and much more are essential in today's market since 85% of all home buyers will find their next home online.
  
  
• Agent Promotions to encourage the local real estate community to take a look at the staged home. There are hundreds, and in some markets, thousands of homes on the market at any given time. To get agents to show the staged home, you have got to offer incentives to get them inside the home. Realtor Opens, Realtor Luncheons. Give-Aways, Drawings for Prizes (check out my recent promotion http://www.showsgreat.biz/cruise1.htm) are just some of the ways to generate agent interest and activity.
  

At Shows Great Home Staging and Web Solutions, we offer staging packages that include online web marketing and agent promotions.

I would love to hear what other stagers are doing to make sure their staged listings are receiving the exposure and market activity that is needed to generate buyers in today's market.

Shows Great Home Staging and Web Solutions
We stage homes in Roanoke, Lynchburg, Smith Mountain Lake, The New River Valley, and Surrounding Areas! 540-343-0051 / www.showsgreat.biz

Completely remodeled to Like New Condition! New kitchen, & appliances, new bathroom, refinished HW floors, fresh paint, new roof, new carpet, new heat pump, re-placement windows, new doors throughout, nice landscaping, upgraded 200 amp elec., new water lines, crown molding & all new fixtures! Backyard poses a canvas for any landscaper.


Offered for sale at $219,950



Click Here to see the Real Estate Show >

For More Details About This Fabulous Home Please Contact:

This home has been professionally staged by Shows Great Home Staging and Web Solutions.

en·sem·ble [ahn-sahm-buhl] "all the parts of a thing considered together"

When you think of the word ensemble, what comes to mind? How wonderful it sounds when all the elements of an orchestra come together? The Cello, Piano, Violin, Flute all blending together... Or, would it be how amazing it sounds when three completely different voices come together to form one harmonious chord?

What if...when you hear the word ensemble something new & refreshing comes to mind... Something that gives life back to your slumbering mortgage and gives you a freedom never dreamed possible. Ensemble embodies the beauty of pulling together resources today, to help accomplish your goals for tomorrow.

Your tomorrow...begins today...

The concept is surprisingly simple. Ensemble combines all your checking, home loan and home equity line accounts into one master "loan sweep account" that allows deposited cash to be placed against the loan balance each day in order to save mortgage interest. That's it! This simple change allows you to better leverage your cash flow, potentially saving you thousands in interest over the next decade. And, your funds remain available 24/7, just like with your old checking account today.

- Your income lowers your monthly balance.
- The lower balance saves you interest.
- The saved interest becomes extra principal payment.
- This further lowers your balance, saving more interest.
- This frees up even more money to reduce principal.
- This cycle repeats itself each month, compounding your interest savings
and accelerating the reduction of your debt.

Traditional mortgages make it easy to get into debt; Ensemble gives you - the borrower - the power to reduce your debt more aggressively. Ensemble is able to help reduce debt more quickly, simply by putting all of your personal income to better use.

Mortgage interest typically consumes about half of the average American's net income, for decades at a time. With Ensemble, paying less interest will allow you to reach your financial goals faster. Whether you want to use those interest savings to pay your home loan off sooner, or keep your equity leveraged and reinvest those savings in higher-yielding investments...saving interest...is always in your BEST interest.

Combining your main personal cash management tools into one master account relieves you of the need to track money transfers manually. Once the account in setup, transfers from your loan account happen automatically. So does your interest savings from your positive cash flow. And when you need cash for investments or expenses, it is quickly available via check, electronic transfer, ATM withdrawal, or debit card. Nothing could be simpler!

Discover how the power of your own cash flow could significantly accelerate your home loan's pay down, saving you thousands in interest and getting you free-and-clear of mortgage payments years ahead of schedule, without demanding any change in your current spending habits.

Click here - for your FREE assessment & to learn how Ensemble may benefit you personally. I would love to hear from you!

All the best!

Josh Perrington - 1st Metropolitan Mortgage - Roanoke, VA - 540.904.0842

"Wake your mortgage up...it's time to get to work!"

www.1st-Metropolitan.com | Josh@1st-Metropolitan.com