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| APRIL 18, 2009 - An email from the Mailbox of The President: Dave Stevens... H.E.L.P. Job Loss Protection Program Most of you are aware of the exciting news that Long & Foster is rolling out Job Loss Protection offered by the Rainy Day Foundation's HELP program. We are the market leader in providing this new program in most of our market area, and it is important that all of you attend one webinar training session or talk to your manager about the program. Then, use the email blast tool to make your customers and clients aware of how this can help more homes sell while making prospective buyers more confident in this market. The HELP program, including Job Loss Protection is a seller funded program that will protect many prospective homebuyers with up to $1,800 per month for up to 6 months if the buyer involuntarily loses his or her job within the first 24 months after settlement.
MARCH 5, 2009 - An article (forwarded via email) fom Wes... Quote from The Washington Post; Monday, March 2, 2009; Page A17 By Robert J. Samuelson 
Here's a little-known fact: Housing may be more affordable now than at any recent time, thanks to lower prices and falling mortgage rates (now about 5 percent). The National Association of Realtors has an "affordability index" that estimates the family income needed to buy a median-price house, assuming a 20 percent down payment and monthly mortgage payments equal to 25 percent of income. Affordability is now the highest since the index's start in 1970.
FEBRUARY 9, 2009 - An article (forwarded via email) fom Wes... 15 Companies That Might Not Survive 2009 Realogy Corp. (Privately owned; about 13,000 employees). It's the biggest real-estate brokerage firm in the country, but that's a bad thing when there are double-digit declines in both sales and prices, as there were in 2009. Realogy, which includes the Coldwell Banker, ERA, and Sotheby's franchises, also carries a high debt load, dating to its purchase by the Apollo Group in 2007 - the very moment when the housing market was starting to invert from a soaring ride into a sickening nosedive. Realogy has been trying to refinance much of its debt, prompting lawsuits. One deal was denied by a judge in December, reducing the firm's already tight wiggle room.
JANUARY 19, 2009 - LONG & FOSTER INSURANCE
Personal Umbrella Insurance…a small price to pay for peace of mind! Did you know a Personal Umbrella policy for an insured with one house and two vehicles often costs less than $225 in annual premium for $1,000,000 of additional liability coverage? With just one small premium you can increase both your auto and homeowners liability protection!
JANUARY 7, 2009 @ 4:16 PM (via email) from our Chairman and Chief Executive Officer, Wes Foster, Long & Foster Real Estate, Inc. "Prosperity Mortgage has available 4.25% money…I repeat...4.25% money for 30 year fixed rate conforming loans up to $625,000 with 25% down (in the high-cost markets) with a total of 3 points that can be paid by the Seller, Buyer or split between the two. This is the best I have EVER seen in my career." Just for clarification, the high-cost markets Wes refers to are those in the Washington, DC metropolitan area and Virginia. The loan amount for Anne Arundel County and everything north is up to $494,500. Whether you are considering (or you are in the process of) refinancing, buying or selling, please consider taking advantage of this opportunity... As many of you know, we have a Prosperity Mortgage Loan Consultant on-site. Your access to Ed Cremmins' expertise comes at no cost to you and no obligation. I realize I have already encouraged many of you to contact Ed; and, now, given the rates Wes describes, I'm REALLY encouraging you! If you decide to contact him, just let him know, "Jenn Klarman suggested I give you a call..." -- he'll take good care of you! Ed Cremmins, Home Mortgage Consultant Prosperity Mortgage Company 102 Old Solomons Island Road, Annapolis, MD 21401 (410) 224-0757 direct (443) 510-4247 cell ed.cremmins@prosperitymortgage.com http://www.edcremmins.com All the best to you! Jenn P.S. Please feel free to forward this email on if you know of someone else who might benefit from it! PLEASE NOTE: The original message was delivered via an unsecured email service which was not intended for sending confidential or sensitive information. Please never include your social security number, account number, or any other personal or financial information in the content of unsecured email. All first mortgage products are provided by Prosperity Mortgage Company. Prosperity Mortgage Company is licensed in New Jersey as a Department of Banking Mortgage Banker. Prosperity Mortgage Company may not be available in your area. All Rights Reserved. Equal Housing Lender. Please be advised that terms and conditions may apply. | |
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