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ROSE & WOMBLE

REALTY

CO.

Ready to buy? We believe that people are more important than houses.

YOUR LOCAL REAL ESTATE

RESOURCE in Hampton Roads, VA

Who are we? We are people first -- your neighbors, friends and family here in Hampton Roads, Virginia. We are REALTORS® sharing a high-level of professional ethics and a deep respect for our role in your life when you are buying and selling a home. We are your local real estate resource and are committed to providing you up-to-the-minute market data and a superior customer experience.

P E O P L E We are a dynamic and successful team of over 600 local real estate agents and supporting personnel in resale, property management, relocation, new homes and marketing services divisions. Our affiliated partnerships include mortgage, title and settlement, market research, land planning and development.

R E A L T O R S®

Put your home search in the hands of a

As REALTORS®, we adhere to a strict&Code of Ethics that is higher than those Military Relocation Professional Accredited Buyer’s Representative mandated by law. Our agents receive continuous training to remain current. We have a stable foundation and have consistently been named in the top 10% of real estate firms in the United States. Our Principals are industry visionaries with over 75 years of combined experience in the local real estate market.

L O C A L

BEACH, CITY OR COUNTRY.

Our REALTORS® Will Guide You Home

We have deep roots in this community. We know its neighborhoods, cultures and lifestyles. We care. Through our Rose & Womble Foundation, we work at a grassroots level to give back through contributions of time, funds and goods. We are your local real estate resource.

Sherry Snyder, Associate Broker REALTOR, MRP, ABR, SFR, e-PRO

Rose & Womble Realty Co. Lynnhaven Office 123 S. Lynnhaven Rd. Virginia Beach, VA 23452

757-831-5500

[email protected] www.SherrySnyderHomes.com

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have deep roots this community. know neighborhoods, cultures and WeWe have deep roots in in this community. WeWe know itsits neighborhoods, cultures and lifestyles. We care. Through our Rose & Womble Foundation, we work at a grassroots lifestyles. We care. Through our Rose & Womble Foundation, we work at a grassroots level give back through contributions time, funds and goods.WeWe your local level to to give back through contributions of of time, funds and goods. areare your local real estate resource. real estate resource.

R OYOUR S E ROSE & W&OWOMBLE M B L E REALTOR’S R E A L TROLE Y CO.

Understanding Your Options We believe that people Buying or selling a house is the largest financial most people make, and areinvestment more important it’s one of the most complex. You need to think about financing, appraisals, zoning than houses. ® regulations, short sales, repairs, and more. REALTORS are here to help.

YOUR LOCAL REAL ESTATE

RESOURCE in Hampton Roads, VA

® Realtors Estate Who areand we? Real We are peopleAgents first -- your neighbors, friends and family here in Hampton

A real estate agent’sWe jobare is to help guide you through the complexities of buying or and a Roads, Virginia. REALTORS® sharing a high-level of professional ethics ® selling a property. But not everyone with a real estate license is a REALTOR . deep respect for our role in your life when you are buying and selling a home. We are ® A REALTOR is notestate just aresource real estate but is also a member the National your local real andlicensee, are committed to providing youofup-to-the-minute ® Association of REALTORS . market data and a superior customer experience. What’s the difference? REALTOR® must meet stricter education requirements than the PlawErequires, O P L and E they’re bound not only by that law, but by the higher standard of the REALTOR® Code of Ethics. We why are aonly dynamic and successful team over localREALTOR real estate ® ® agents and That’s REALTORS are allowed to of use the600 famous “R’’. supporting personnel in resale, property management, relocation, new homes and ® Yourmarketing REALTORservices is committed to Our protecting your interests throughout the entiretitle divisions. affiliated partnerships include mortgage, transaction with themarket integrity, honor, professionalism, and expertise that meets the and settlement, research, land planning and development. high standards set by the “REALTOR®” name. And REALTORS® have access to more and more sophisticated R tools E toA help L Tsellers O R S® market their properties to the right audience, help buyers find just the right home, andAs make the entire process runtosmoothly. REALTORS®, we adhere a strict Code of Ethics that is higher than those mandated law. Our ®agents receive continuous training to remain You’ll find yourbyREALTOR isn’t just an expert on your local real estate current. market, We but have foundation andcan havehelp consistently beena named in transaction. the top 10% of real estate alsoa astable trusted advisor who you navigate complex firms in the United States. Our Principals are industry visionaries with over 75 years of combined experience in the local real estate market. ® What will a Realtor do for me? A REALTOR® can be invaluable to buyers and sellers in a number of ways:

BEACH, CITY OR COUNTRY.

Our REALTORS® Will Guide You Home

L O C A L If you’re buying, your REALTOR® can ...

We have deep rootssearch in thisthrough community. We know its neighborhoods, • assist in your home the local Multiple Listing Service, cultures or with and lifestyles. We care. Through our Rose & Womble Foundation, we work at a grassroots houses you find through REALTOR®.com and other web sites level to give back through contributions of time, funds and goods. We are youryou local • provide objective data about each property - including helping find information real estate resource. might not realize is available • provide negotiating expertise, and help resolve any issues that arise with the seller that could delay closing or void the contract • help you get and understand any homeowner association documents • coordinate appraisals and other issues your lender may require • help you determine what inspections may be beneficial to help you make an i nformed decision • explain earnest money deposits, escrow accounts, and closing costs • go on a final walk-through to make sure everything is in order and any repairs have been made properly • work with you and the seller’s agent to reach a smooth and problem-free closing

® If you’re selling, canB...L R Oyour S E REALTOR & WOM

YOUR LOCAL REAL ESTATE

RESOURCE in Hampton Roads, VA

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REALTY

CO.

• go over the market conditions to help you set the right price for your home based on everything from size and condition to recent sales in your neighborhood We believe that people • find the best places to market your property - including the local Multiple Listing more to important Service and other channels that may not beare available the general public than • help prepare or “stage” your home for houses. sale by suggesting small improvements that can make a big difference- everything from arranging furniture to choosing the right paint color Whoprofessional are we? We photos are people -- and your make neighbors, friends included and family Hampton • take and first video, sure they’re in here your in home’s Roads, Virginia. We are REALTORS® sharing a high-level of professional ethics and a advertising deep respect for our role in your life when you are buying and aselling a home. • coordinate inspections, appraisals, and other issues to ensure smooth closingWe are your local real estate resourceand andhelp are resolve committed providing you up-to-the-minute • provide negotiating expertise, any to issues that arise with the buyer market data andclosing a superior customer experience. that could delay or void the contract • work with you and the buyer’s agent to reach a smooth and problem-free closing

P E O P L E The Nuts And Bolts Of Working With Your Realtor®

® team of over 600 local real estate agents and We are a dynamic andREALTOR successful • Once you’ve found the you want to represent you (as either a buyer or a supporting personnel in resale, property management, relocation, new homes and seller), you enter into what’s called a “brokerage relationship.” ® marketing services divisions. Our affiliated partnerships title • In order to work together, you and your REALTOR need ainclude writtenmortgage, “brokerage and settlement, market research, land planning and development. agreement” that outlines at a minimum: • what services the REALTOR®” will provide; • how long he or she will be providing those services; and R E A L T O R S® • what fee (if any) and how it’s paid. As REALTORS®, to a strict Code Ethics that is higher than those This agreement mightwebeadhere for a single day-to seeof a few houses - or several months. mandated by law. Our agents receive continuous training to remain current. Wesee have For sellers, the fee is typically a percentage of the sale price, while a buyer might a stable foundation and have consistently been named in the top 10% of real estate “Fee to be paid by seller’s agent.” firms in the United States. Our Principals are industry visionaries with over 75 years ® In most cases, your REALTOR willlocal act as a standard or “full-service” of combined experience in the realwhat’s estatecalled market. agent, providing you with a wide range of assistance and all the advantages of having a trained real estate professional working for you.

L O C A L

BEACH, CITY OR COUNTRY.

Our REALTORS® Will Guide You Home

Remember that you and your REALTOR® will decide what kind of working relationshipWe works you.in this community. We know its neighborhoods, cultures and havebest deepforroots lifestyles. We care. Through our ® Rose & Womble Foundation, we work at a grassroots Whatever you and your “REALTOR ” agree to, once you’ve signed that brokerage level to give back through contributions of for time, and goods. your We are your local agreement, your REALTOR® can start working youfunds and representing interests. real estate resource. Whether you’re buying or selling your home - or just checking out your options - you need the expertise of someone whose job it is to know your local market inside and out. You need a REALTOR®.

Why do I have to Sign a Brokerage Agreement

The short answer is that Virginia Law requires it in order to protect you The longer answer is that having something in writing - whether it covers a single property or a months-long relationship - ensures that both and your REALTOR® understand exactly what’s expected of each other. Be sure to discuss your options with your REALTOR®, and make sure all your questions are answered.

AGENTS R O S E & HOW WOM B L E WORK REALTY

CO.

When buying a home, helpful to understand Weit’sbelieve that people who the players are, who they work for, and how they are paid.

are more important than houses. Seller’s agent (also known as the listing agent)

YOUR LOCAL REAL ESTATE

RESOURCE in Hampton Roads, VA

One of the listing agent’s roles is to let as many buyers and other agents know about the home for sale as they can. Their role is to “list” the home for sale. The agent lets Who are we? We are people first -- your neighbors, friends and family here in Hampton all the local agents know about the home through a shared information database Roads, Virginia. We are REALTORS® sharing a high-level of professional ethics and a called a Multiple Listing Service. Since hundreds of agents see the listing, it is likely deep respect for our role in your life when you are buying and selling a home. We are that another agent has the perfect buyer. In representing the seller, the listing agent your local real estate resource and are committed to providing you up-to-the-minute is bound by contract to work toward the best price and terms for that seller. market data and a superior customer experience.

Buyer’s agent (also known as the selling agent) P E O P L E

The selling agent’s role is to bring the buyer to the seller. They “sell” the home. We are a dynamic and successful team of over 600 local real estate agents and In today’s market, buyers are encouraged to work with a buyer’s agent. Some buyer’s supporting personnel in resale, property management, relocation, new homes and agents have earned a specific designation known as Accredited Buyer Representamarketing services divisions. Our affiliated partnerships include mortgage, title tive (ABR). A buyer’s agent represents the buyer exclusively, and works toward getand settlement, market research, land planning and development. ting the best home at the best price and terms for that buyer.

How we get paid

R E A L T O R S®

In most cases, a buyer’s agent will be compensated by the seller at settlement. The As REALTORS®, we adhere a strict Ethics thatInisthe higher than commission is split between thetolisting firmCode and of selling firm. event thethose seller’s mandated by law. Our agents receive continuous training to remain current. Webehave listing agreement does not offer compensation to the selling firm, the buyer may a stable foundation and have consistently been named in the top 10% of real estate asked to pay the difference. firms in the United States. Our Principals are industry visionaries with over 75 years of combined experience in the local real estate market.

Do I really need my own Agent?

BEACH, CITY OR COUNTRY.

Our REALTORS® Will Guide You Home

Can a buyer get a better deal by working directly with the listing agent to buy the L O C the A listing L home? In a word; No. Remember, agent works toward the SELLER’S best interests. If you buy a home through the listing agent, who will be representing your have deep roots in this community. We know its neighborhoods, cultures and bestWe interests? lifestyles. We care. Through our Rose & Womble Foundation, we work at a grassroots level to give back through contributions time, goods.the Wesales are your A common misconception is that the seller of may be funds willingand to reduce pricelocal real estate resource. if there is only one agent involved. However, in the absence of a prior agreement with the seller to do so, the total commission is not split between the listing and selling firm, but instead is paid entirely to the listing firm; so, in this case, the seller’s expenses have not been reduced. So why would they be willing to reduce the sales price and thereby their bottom line? AND, the buyer has now entered into a legally binding contract without their own representation.

WHAT START R O SYOU E &SHOULD W O MKNOW B L E BEFORE R E AYOU LTY CO. We believe that people What’s the first arestep? more important than houses.

YOUR LOCAL REAL ESTATE

RESOURCE in Hampton Roads, VA

BEACH, CITY OR COUNTRY.

Our REALTORS® Will Guide You Home

Well, of course, the first step would be to hire me as your representative… then, if you haven’t already done so, you should speak to a qualified lender about being pre-approved forWe a mortgage. purchasing power nowand known, Who are we? are peopleWith firstyour -- your neighbors, friends familyhouse here in Hampton hunting can be focused on the homes in your price range. When you make an Roads, Virginia. We are REALTORS® sharing a high-level of professional ethics and a offer, sellers will view yours favorably because mortgage deep respect for our rolemore in your life when you arehaving buyinga and sellingpre-approval a home. We are removes any doubt aboutresource your ability obtain financing. your local real estate andto are committed to providing you up-to-the-minute market data and a superior customer experience.

P E O P L E

How much $$ will I need up front?

Earnest money depositand – At the time you an 600 offer,local you should haveagents available We are a dynamic successful teammake of over real estate and approximately .5% - 1% of sales price tomanagement, be put in escrow that willnew be homes appliedand at supporting personnel in the resale, property relocation, closing towards your total settlement expenses.partnerships include mortgage, title marketing services divisions. Our affiliated and settlement, market research, land planning and development. Home Inspection – Homebuyers are encouraged to request a home inspection when purchasing a home. This inspection typically costs between $250–$450 at the time of ® R E A L T O R S the inspection, depending on the size of the home and the company hired to conduct the inspection. As REALTORS®, we adhere to a strict Code of Ethics that is higher than those mandated by law. Our agents receive continuous training to remain current. We have Appraisal – Lenders want to be sure the property is worth at least as much as the a stable foundation and have consistently been named in the top 10% of real estate mortgage the buyer is applying for. Professional property appraisers will compare the firms in the United States. Our Principals are industry visionaries with over 75 years value of the house to that of similar properties in the neighborhood or community. of combined experience in the local real estate market. This usually costs around $400 and is paid to the lender when it is ordered.

L O C A L How will I know what to do to get to closing?

We have deep roots in this community. We know its neighborhoods, cultures and lifestyles. We care. Through our Rose & Womble Foundation, we work at a grassroots Just follow my lead. That’s what I am here for. Take a look at the flow chart on the level to give back through contributions of time, funds and goods. We are your local next page to get an idea of what I will be coordinating along the way to make sure real estate resource. the transaction goes as smoothly as possible.

R O S E A&HOME W OBUYER’S M B L E GLOSSARY REALTY

CO.

When buying a home, important to understand some of the key concepts and Weit’sbelieve that people terms. Throughout the purchase process, your REALTOR® will be available to explain arehere more any unfamiliar terms you encounter. That said, is aimportant short list of terms you’ll want than houses. to know:

YOUR LOCAL REAL ESTATE

RESOURCE in Hampton Roads, VA

BEACH, CITY OR COUNTRY.

Our REALTORS® Will Guide You Home

Abstract Of Title – A complete historical summary of the public records relating to we? We of area people firstproperty -- your neighbors, friends and family heretointhe Hampton the Who legalare ownership particular from the time of the first transfer Roads, Virginia. We are REALTORS® sharing a high-level of professional ethics and a present. deep respect for our role in your life when you are buying and selling a home. We are Adjustable Rate Mortgage (ARM) – Also known as a variable-rate loan, an ARM is your local real estate resource and are committed to providing you up-to-the-minute one in which the interest rate changes over time, relative to an index like the Treasuremarket index.data and a superior customer experience. Purchase Agreement – A contract in which a seller and buyer agree to transact unP E O P L E der certain terms spelled out in writing and signed by both parties. Amortization – The process of reducing theofprincipal a schedule We are a dynamic and successful team over 600debt localthrough real estate agents of and fixed paymentspersonnel at regularinintervals of time, with an interestrelocation, rate specified a loanand supporting resale, property management, new in homes document. marketing services divisions. Our affiliated partnerships include mortgage, title and settlement, market appraiser’s research, land planning and development. Appraisal – A professional opinion of the estimated market value of a property based on local market data and the recent sale prices of similar properties.

R E A for L the T OpurR S Assessed Value – The value placed on a home by municipal assessors poses of determining property taxes. As REALTORS®, we adhere to a strict of Ethics that isOn higher than those Closing – The final steps in the transfer ofCode property ownership. the Closing Date, mandated by law. Our agents receive continuous training to remain current. We have as specified by the sales agreement, the buyer inspects and signs all the documents a stable foundation and have consistently been named in the top 10% of real estate relating to the transaction and the final disbursements are paid. Also referred to as firms in the United States. Our Principals are industry visionaries with over 75 years the Settlement. of combined experience in the local real estate market. Closing Costs – The costs to complete a real estate transaction in addition to the price of the home, may include: points, taxes, title insurance, property insurance, O Cappraisal A L fees, legal fees, etc. warranty, prepaids, credit Lreport, ®

Contingency – A clause the community. Purchase Agreement thatneighborhoods, describes certain conditions We have deep roots ininthis We know its cultures and that must be met and agreed upon by both buyer and seller before the contract is lifestyles. We care. Through our Rose & Womble Foundation, we work at a grassroots binding. level to give back through contributions of time, funds and goods. We are your local Counter-offer An offer, made in response to a previous offer, that rejects all or part real estate –resource. of it while enabling negotiations to continue towards a mutually-acceptable sales contract. Conventional Mortgage – One that is not insured or guaranteed by the federal government. Debt-to-Income Ratio – A ratio that measures total debt burden. It is calculated by dividing gross monthly debt repayments, including mortgages, by gross monthly income. Down Payment – The money paid by the buyer to the lender at the time of the closing. The amount is the difference between the sales price and the mortgage loan. Requirements vary by loan type. Smaller down payments, less than 20%, usually requires mortgage insurance. Earnest Money – A deposit given by the buyer to bind a purchase offer and which is held in escrow. If the property sale is closed, the deposit is applied to the purchase price or settlement expenses. If the buyer does not fulfill all contract obligations, the deposit may be forfeited.

Equity – The value R OofSthe E property, & W Oless M the B Lloan E balance R E Aand L Tany Y outstanding C O . liens or other debts against the property. Easements – Legal right of accessthat to use of a property by individuals or groups for We believe people specific purposes. Easements may affect property values and are sometimes part of are more important the deed. Typical easements may include: Verizon, Cox Cable, Dominion Power.

than houses.

YOUR LOCAL REAL ESTATE

RESOURCE in Hampton Roads, VA

BEACH, CITY OR COUNTRY.

Our REALTORS® Will Guide You Home

Escrow – Funds held by a neutral third party (the escrow agent) until certain conditions of a contract are met and the funds can be paid out: Escrow accounts are also used by loan servicers to pay property taxes and homeowner’s insurance. Who are we? We are people first -- your neighbors, friends and family here in Hampton Fixed-Rate Mortgage A type of mortgage loan in which the of interest rate does not and a Roads, Virginia. We– are REALTORS® sharing a high-level professional ethics change during the entire term of the loan. deep respect for our role in your life when you are buying and selling a home. We are yourInspection local real estate resourceinspection and are committed providing Home – Professional of a home,topaid for byyou the up-to-the-minute buyer, to market data and and a superior experience. evaluate the quality safety customer of its plumbing, heating, wiring, appliances, roof, foundation, etc.

P E O P Insurance L E Homeowner’s – A policy that protects you and the lender from fire or flood, a liability such as visitor injury, or damage to your personal property. We are a dynamic and successful team of over 600 local real estate agents and Lien – A claim or charge on property for payment of a debt. With a mortgage, the supporting in resale, management, and lender has the personnel right to take the titleproperty to your property if you relocation, don’t makenew the homes mortgage marketing services divisions. Our affiliated partnerships include mortgage, title payments. and settlement, market research, land planning and development. Market Value –The amount a willing buyer would pay a willing seller for a home. An appraised value is an estimate of the current fair market value. ® R E A L T O R S

Mortgage Insurance – Purchased by the buyer to protect the lender in the event of default (typically for with thanCode 20%ofdown). through govAs REALTORS®, weloans adhere toless a strict EthicsAvailable that is higher thana those ernment agency like the Federal Housing Administration (FHA) or through private mandated by law. Our agents receive continuous training to remain current. We have mortgage insurers (PMI). a stable foundation and have consistently been named in the top 10% of real estate Possession Date – TheStates. date, asOur specified by the agreement, that theover buyer firms in the United Principals are sales industry visionaries with 75 can years move into the property. of combined experience in the local real estate market. Pre-Approval Letter – A letter from a mortgage lender indicating that a buyer qualifies for a mortgage of a specific amount. L O C A L It also shows a home seller that you’re a serious buyer. We have deepamount roots inofthis community. know its neighborhoods, cultures Principal – The money borrowedWe from a lender to buy a home, or theand lifestyles. We care. Through our Rose & Womble Foundation, we work at a grassroots amount of the loan that has not yet been repaid. Does not include the interest paid level to give back through contributions of time, funds and goods. We are your local to borrow. real estate resource. Purchase Agreement – A detailed, written document which makes an offer to purchase a property, and which may be amended several times in the process of negotiations. When signed by all parties involved in the sale, the purchase offer becomes a legally–binding contract. Title – The right to, and the ownership of, property. A Title or Deed is sometimes used as proof of ownership of land. Clear title refers to a title that has no legal defects. Title Insurance – Insurance policy that guarantees the accuracy of the title search and protects lenders and homeowners against legal problems with the title. Truth–In–Lending Act (TILA) – Federal law that requires disclosure of a truth-inlending statement for consumer loans. The statement includes a summary of the total cost of credit. Title Search – A historical review of all legal documents relating to ownership of a property to determine if there have been any flaws in prior transfers of ownership or if there are any claims or encumbrances on the title to the property.

YOUR R O S E & BUYING WOMB L E HOME REALTY

CO.

There’s to buying a home than meets the eye. Wemore believe that people I will take you through the buying process, oversee the are more important details, and guide you every step of the way. than houses.

YOUR LOCAL REAL ESTATE

RESOURCE in Hampton Roads, VA

Who are we? We are people first -- your neighbors, friends and family here in Hampton Roads, Virginia. We are REALTORS® sharing a high-level of professional ethics and a Discuss Determine deep respect for our role in your life when you are buying and selling Preview a home. We are Lender Buyer Needs and & are committed your local real estate resource to providing you up-to-the-minute Pre-approval Homes Agency Desires market data and a superior customer experience.

P E O P L E We are a dynamic and successful team of over 600 local real estate agents and supporting personnel in resale, property management, relocation, new homes and marketing services divisions. Our affiliated partnerships title Make Offer Negotiate Contract include mortgage, Mortgage and settlement, market research, land planning and development. to Purchase Contract Ratification Approval

R E A L T O R S® As REALTORS®, we adhere to a strict Code of Ethics that is higher than those mandated by law. Our agents receive continuous training to remain current. We have a stable foundation and have consistently been named in the top 10% of real estate Select firms in the United States. Our Principals are industry visionaries with over 75 years Property Termite Appraisal ofSettlement combined experience in the local real estate market.

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L O C A L

BEACH, CITY OR COUNTRY.

Our REALTORS® Will Guide You Home

We have deep roots in this community. We know its neighborhoods, cultures and lifestyles. We care. Through our Rose & Womble Foundation, we work at a grassroots level to give back through contributions of time, funds and goods. We are your local • Insurance real estate resource. Coordinate

Condo / POA Documents

Remove Contingencies

• Survey • Home Warranty

Utilities & Movers

Receipts for Repairs

Certified Funds for Closing

Walk-through Inspection

Closing Day!

REAL R O S E THE & W O MESTATE B L E PROCESS... REALTY

THE REAL ESTATE PROCESS

CO.

We believe that people are more important than houses.

YOUR YOUR LOCAL LOCAL RESOURCE REAL ESTATE

REAL ESTATE

RESOURCE

in Hampton Roads, VA

in Hampton Roads, VA

Who are we? We are people first -- your neighbors, friends and family here in Hampton Roads, Virginia. We are REALTORS® sharing a high-level of professional ethics and a deep respect for our role in your life when you are buying and selling a home. We are your local real estate resource and are committed to providing you up-to-the-minute market data and a superior customer experience.

P E O P L E We are a dynamic and successful team of over 600 local real estate agents and supporting personnel in resale, property management, relocation, new homes and marketing services divisions. Our affiliated partnerships include mortgage, title and settlement, market research, land planning and development.

R E A L T O R S® As REALTORS®, we adhere to a strict Code of Ethics that is higher than those mandated by law. Our agents receive continuous training to remain current. We have a stable foundation and have consistently been named in the top 10% of real estate firms in the United States. Our Principals are industry visionaries with over 75 years of combined experience in the local real estate market.

L O C A L

BEACH, CITY OR COUNTRY.

Our REALTORS® CITY Will BEACH, Guide You Home OR COUNTRY.

Our REALTORS® Will Guide You Home

We have deep roots in this community. We know its neighborhoods, cultures and lifestyles. We care. Through our Rose & Womble Foundation, we work at a grassroots level to give back through contributions of time, funds and goods. We are your local real estate resource.

A lot of coordination and communication happens behind the scenes. It’s my job and personal goal to ensure a smooth process for you.

DO W YOU R O HOW SE & O FIND M B LTHE E RIGHT R E AHOME? LTY CO.

YOUR LOCAL REAL ESTATE

RESOURCE in Hampton Roads, VA

Most people feel thatWe searching Internet on their own or going through various believethe that people real estate publications or even the classified section in the newspaper is a good way areSitmore to find a house. However, there is a better way! downimportant with a Realtor® and discuss than houses. your desires, neighborhood, style of property, amenities and everything you really want and need in a home. Make sure to have your own representation through a buyer’s agent to ensure your rights are protected throughout the process. Who are we? We are people first -- your neighbors, friends and family here in Hampton Roads,agent Virginia. are REALTORS® sharing aListing high-level of professional ethicslists and a A buyer’s hasWe access to the entire Multiple Service database which deep respect for our role in your life when you are buying and selling a home. We properties for sale by every real estate company within a specific area. Please use are your when local real estate and are as committed to Zillow providing you often up-to-the-minute caution using thirdresource party sites such Trulia and as they do not market data and a superior customer experience. offer the most accurate or current information. They also do not publish condo/POA fees on their sites or whether or not the property is already under contract or even P E O P L E sold! are amay dynamic and successful team of over 600 local real estateTogether agents and YourWe agent also already know about properties fitting your criteria. you supporting personnel in resale, property management, relocation, new homes can select the properties you would like to see. By having your Buyer’s Agent set and up marketing services affiliated partnerships mortgage, title appointments, you candivisions. see theseOur homes in a short period ofinclude time and have a clear settlement, ideaand of what is right market for yourresearch, needs. land planning and development.

When looking at homes:

R E A L T O R S®

As REALTORS®, we adhere to a strict Code of Ethics that is higher than those by law.asOur receive continuous to discuss remain current. • mandated Jot down notes youagents go from one home to the training next, and with yourWe have aagent stableallfoundation andand have consistently named in the top 10% of real estate of your likes dislikes of eachbeen home. firms in the United States. Our Principals are industry visionaries with over 75 years combined experienceasinyou theare local real estate market. • ofAlways ask questions touring the homes, and bring up any objections you may have to a particular property.

BEACH, CITY OR COUNTRY.

Our REALTORS® Will Guide You Home



L O C A L

Make sure you research the community associations, shopping, schools and transportation around the area. We have deep roots in this community. We know its neighborhoods, cultures and lifestyles. We care. Through our Rose & Womble Foundation, we work at a grassroots • level If youtosee homes while out driving of around, make and suregoods. to contact agent giveany back through contributions time, funds We your are your local to follow for you, not the seller’s agent on the sign. This ensures your protetion real estateup resource. with your buyer’s agent.

Why Buy Now? C O . Why Buy Now?

R O S E & WWHY O M BUY B L ENOW? REALTY

SelectionWe believe that people Selection are more important In a buyer’s market the In a buyer's market the home that meets all of than houses. home thatSelection meets all of your

YOUR LOCAL REAL ESTATE

RESOURCE in Hampton Roads, VA

Why Buy Now? Why Buy Now? Terms and Conditions Selection Terms and Conditions

your needs isthe already In a buyer's market homeavailable. that meets all of needs is already available. your needs is already available.

Who are we? We are people first -- your neighbors, friends and family here in Hampton Roads, Virginia. We are REALTORS® sharing a high-level of professional ethics and a deep respect for our role in your lifeInwhen you aremarket, buyingsellers selling a home. We are the current are more willing and and Conditions In a buyer's market home that meets of Terms your local realthe estate resource andallare committed to providing you closing up-to-the-minute In the current market, sellers are more to make concessions on price, cost In the current market, sellers are more willing your needs is already available. market data and a superior customer experience. assistance closing willing to makeand concessions on price, Selection to make concessions on price,dates. closing cost closing cost assistance and closing assistance and closing dates. dates. In a buyer's market the home that meets all of

Pyour E Oneeds P Lis already E available.

Terms and Conditions

We are a dynamic and successful team of current over 600 local sellers real estate agents and In the market, are more willing Interest Rates to make concessions on price,new closing cost and supporting personnel in resale, property management, relocation, homes Mortgage ratesRates are still at Our affiliated Terms and Conditions Interest assistance and closing dates. title marketing services divisions. partnerships include mortgage, historically low levels. In the currentand market, sellers are more willing rates are still at andMortgage settlement, market research, land planning development. historically low levels.

Interest Rates

to make concessions on price, closing cost assistance and closing dates.

R E A L T O R S®

Mortgage rates are still at Interest Rates historically low levels. As REALTORS®, we adhere to a strict Code of Ethics that is higher than those Mortgage rates are still at Advantages mandated by law. Our agents receive continuousTax training to remain current. We have historically low levels. The IRS provides benefits a stable foundation and have consistently been named in thesubstantial top 10% of real estate Tax Advantages Interest Rates to homeowners through mortgage interest firms in the United States. Our Principals are industry visionaries with over 75 years The IRS provides substantial benefits Mortgage rates are still at and real estate tax deductions. of combined experience in the local real estate market. to homeowners through mortgage interest historically low levels. andAdvantages real estate tax deductions. Tax L O C A The L IRS provides substantial benefits

BEACH, CITY OR COUNTRY.

Our REALTORS® Will Guide You Home

Tax Advantages to homeowners through mortgage Quality of Life The IRS provides benefits We have deep roots in this community. Weand know itsestate neighborhoods, cultures and interest real tax substantial deductions. Long-term home-ownership generates homeowners through Quality ofThrough Life lifestyles. We care. our Rose & to Womble Foundation, wemortgage work at ainterest grassroots Tax Advantages wealth, renting does not. generates and real estate tax deductions. Long-term home-ownership level to give back through contributions of time, funds and goods. We are your local wealth, renting does not. real estate resource.

Quality of Life

Long-term home-ownership generates It's time in the market, wealth, renting does not.

The IRS provides substantial benefits to homeowners through mortgage interest and real estate tax deductions.

not timing the market!

Quality Life of It'sQuality timeof in Life the market, not timing the market!

Long-term home-ownership Long-term home-ownership generates wealth, renting does not. does not. generates wealth, renting

It's time in the market, not timing the market! It's time in the market, not timing the market!

R O S E & W DO’S O M& B DONT’S LE REALTY DURING THE LOAN PROCESS

CO.

We believe that people are more important DO join athan credit watch program houses.

YOUR LOCAL REAL ESTATE

RESOURCE in Hampton Roads, VA

Your bank, credit union or credit card company may be able to provide you with a free credit watch program that can alert you to any changes in your credit report. ThisWho canare be we? a safeguard to helpfirst you--intervene before the underwriter sees a problem. We are people your neighbors, friends and family here in Hampton Roads, Virginia. We are REALTORS® sharing a high-level of professional ethics and a DOrole stay current on existing deep respect for our in your life when you are accounts buying and selling a home. We are Lateyour payments on your existing mortgage, car payment, or anything that can be local real estate resource and are committed to providing youelse up-to-the-minute reported to a CRA can cost you dearly. One 30-day late payment can cost anywhere market data and a superior customer experience. from 30 to 75 points on your credit score.

P E O P L E DO continue to use your credit the way you normally would

RedWe flags easily raised within the team scoring it appears you are divertareare a dynamic and successful of system. over 600If local real estate agents and ing supporting from your normal spending patterns, it could cause your score to new go down. personnel in resale, property management, relocation, homesFor and example, if you’ve had divisions. a monthlyOur service for Internet accessinclude billed to the sametitle credit marketing services affiliated partnerships mortgage, cardand forsettlement, the past three years, there’s really no reason to development. drop it now. Again, make market research, land planning and your changes after the loan funds.

R E A L T O R S® DON’T quit or jobs without your loan officer As REALTORS®, wechange adhere to a strict Codeconsulting of Ethics that is higher than those mandated by law. Our agents receive continuous training to remain current. We have a stable foundation and have consistently been named in settlement the top 10% of real estate DON’T make any large purchases prior to firmsyour in the United States. Principals are industry visionaries with over 75 years Consult loan officer as thisOur could negatively affect your debt-to-income ratios. of combined experience in the local real estate market. DON’T apply for new credit of any kind

BEACH, CITY OR COUNTRY.

Our REALTORS® Will Guide You Home

O CforA new L lines of credit, don’t respond. Also, don’t If you receive invitations toLapply take cash advances on your existing credit cards or lines of credit. If you do, that We have deep this report community. Wecan know its an neighborhoods, company can pullroots your in credit and this have adverse effectcultures on yourand lifestyles. We care. Through our Rose & Womble Foundation, we work at a grassroots credit score. Likewise, don’t establish new lines of credit for furniture, appliances, level to give back through contributions of time, funds and goods. We are your local computers, automobiles, etc. real estate resource. DON’T pay off collections or charge-offs

Once your loan application has been submitted, don’t pay off collections unless the lender specifically asks you to in order to secure the loan. Generally, paying off old collections causes a drop in the credit score. The lender is only looking at the last two years of activity.

DON’T max out or over charge existing credit cards

Running up your credit cards is the fastest way to bring your score down, and it could drop up to 100 points overnight. Once you are engaged in the loan process, try to keep your credit cards below 30% of the available credit limit.

R O S E &THE W5 O KEY M B FACTORS L E R EOFA L T Y CREDIT SCORING

CO.

We believe that people Credit scores are comprised of five factors. are more important Points are awarded for each component, than houses. and a high score is most favorable.

YOUR LOCAL REAL ESTATE

RESOURCE in Hampton Roads, VA

Who are we? We are people first -- your neighbors, friends and family here in Hampton Roads, Virginia. We are REALTORS® sharing a high-level of professional ethics and a 1. role PAYMENT HISTORY – 35% IMPACT deep respect for our in your life when you are buying and selling a home. We are Paying debt on time and in full has the greatest positive impact onyou your credit score. your local real estate resource and are committed to providing up-to-the-minute Latemarket payments, judgments and charge-offs all have a negative impact. Missing a high data and a superior customer experience. payment will have a more severe impact than missing a low payment, and delinquencies that have occurred in the last two years carry more weight than older items.

P E O P L E

We are a dynamic and successful team of over 600 local real estate agents and 2. in CREDIT – 30% IMPACT supporting personnel resale,BALANCES property management, relocation, new homes and Thismarketing factor marks the ratio between the outstanding balanceinclude and available credit. services divisions. Our affiliated partnerships mortgage, title Ideally, the consumer should make an effort to keep balances as close to zero as and settlement, market research, land planning and development. possible, and definitely below 30% of the available credit limit when trying to purchase a home. ®

R E A L T O R S

As REALTORS®, we adhere to a strict Code of Ethics that is higher than those 3. CREDIT HISTORY – 15% IMPACT mandated by law. Our agents receive continuous training to remain current. We have This portion of the credit score indicates the length of time since a particular credit a stable foundation and have consistently been named in the top 10% of real estate line was established. A seasoned borrower will always be stronger in this area. firms in the United States. Our Principals are industry visionaries with over 75 years of combined experience in the local real estate market.

4. TYPE OF CREDIT – 10% IMPACT L O C A L

BEACH, CITY OR COUNTRY.

Our REALTORS® Will Guide You Home

A mix of auto loans, credit cards and mortgages is more positive than a concentration of debt from credit cards only. We have deep roots in this community. We know its neighborhoods, cultures and lifestyles. We care. Through our Rose & Womble Foundation, we work at a grassroots level to give back through contributions of time, funds and goods. We are your local real estate resource. 5. INQUIRIES – 10% IMPACT This percentage of the credit score quantifies the number of inquiries made on a consumer’s credit within a six-month period. Each hard inquiry can cost from two to 25 points on a credit score, but the maximum number of inquiries that will reduce the score is ten. In other words, 11 or more inquiries within a six month period will have no further impact on the borrower’s credit score. Note that if you run a credit report on yourself, it will have no effect on your score.



YOUR LOCAL REAL ESTATE

RESOURCE in Hampton Roads, VA

BEACH, CITY OR COUNTRY.

Our REALTORS® Will Guide You Home

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 ŽŶǀĞŶƚŝŽŶĂů &, s We believe that people ŚĂƉƚĞƌϳĂŶŬƌƵƉƚĐLJ ϰLJĞĂƌƐ ϮLJĞĂƌƐ ϮLJĞĂƌƐ are more important  ŚĂƉƚĞƌϳĂŶŬƌƵƉƚĐLJ     ŽŶǀĞŶƚŝŽŶĂů &, s than houses. ǁŝƚŚdžƚĞŶƵĂƚŝŶŐ ϮLJĞĂƌƐ >ĞƐƐƚŚĂŶϮLJĞĂƌƐ͕ďƵƚ >ĞƐƐƚŚĂŶϮLJĞĂƌƐ͕ďƵƚ ŚĂƉƚĞƌϳĂŶŬƌƵƉƚĐLJ ϰLJĞĂƌƐ ϮLJĞĂƌƐ ϮLJĞĂƌƐ ŝƌĐƵŵƐƚĂŶĐĞƐ ŶŽƚůĞƐƐƚŚĂŶϭϮ ŶŽƚůĞƐƐƚŚĂŶϭϮ ŚĂƉƚĞƌϳĂŶŬƌƵƉƚĐLJ    ŵŽŶƚŚƐ ŵŽŶƚŚƐ ǁŝƚŚdžƚĞŶƵĂƚŝŶŐ ϮLJĞĂƌƐ >ĞƐƐƚŚĂŶϮLJĞĂƌƐ͕ďƵƚ >ĞƐƐƚŚĂŶϮLJĞĂƌƐ͕ďƵƚ Who are we? We are people first -- your neighbors, friends and family here in Hampton   ϭLJĞĂƌŝŶƚŽƚŚĞ ϭLJĞĂƌŝŶƚŽƚŚĞ ŝƌĐƵŵƐƚĂŶĐĞƐ ŶŽƚůĞƐƐƚŚĂŶϭϮ Roads, Virginia. We are REALTORS® sharing aŶŽƚůĞƐƐƚŚĂŶϭϮ high-level of professional ethics and a  ϮLJĞĂƌƐĨƌŽŵƚŚĞ ƉĂLJŽƵƚƉĞƌŝŽĚ͕Ăůů ƉĂLJŽƵƚƉĞƌŝŽĚ͕Ăůů ŵŽŶƚŚƐ ŵŽŶƚŚƐ deep respect for our role in your life when you are buying and selling a home. We are   ϭLJĞĂƌŝŶƚŽƚŚĞ ϭLJĞĂƌŝŶƚŽƚŚĞ ŚĂƉƚĞƌϭϯ ĚŝƐĐŚĂƌŐĞĚĂƚĞ͕Žƌ ƉĂLJŵĞŶƚƐŚĂǀĞďĞĞŶ ƉĂLJŵĞŶƚƐŚĂǀĞďĞĞŶ your and are committed to providing youƉĂLJŽƵƚƉĞƌŝŽĚ͕Ăůů up-to-the-minute  local real estate resource ϮLJĞĂƌƐĨƌŽŵƚŚĞ ƉĂLJŽƵƚƉĞƌŝŽĚ͕Ăůů ĂŶŬƌƵƉƚĐLJ ϰLJĞĂƌƐĨƌŽŵƚŚĞ ŵĂĚĞŽŶƚŝŵĞ͕Θ ŵĂĚĞŽŶƚŝŵĞ͕Θ market data and a superior customer experience. ŚĂƉƚĞƌϭϯ ĚŝƐĐŚĂƌŐĞĚĂƚĞ͕Žƌ ƉĂLJŵĞŶƚƐŚĂǀĞďĞĞŶ ƉĂLJŵĞŶƚƐŚĂǀĞďĞĞŶ ĚŝƐŵŝƐƐĂůĚĂƚĞ͘ ƉĞƌŵŝƐƐŝŽŶĨƌŽŵ ƉĞƌŵŝƐƐŝŽŶĨƌŽŵ ĂŶŬƌƵƉƚĐLJ ϰLJĞĂƌƐĨƌŽŵƚŚĞ ŵĂĚĞŽŶƚŝŵĞ͕Θ ŵĂĚĞŽŶƚŝŵĞ͕Θ ďĂŶŬƌƵƉƚĐLJĐŽƵƌƚ ďĂŶŬƌƵƉƚĐLJĐŽƵƌƚ ĚŝƐŵŝƐƐĂůĚĂƚĞ͘ ƉĞƌŵŝƐƐŝŽŶĨƌŽŵ ƉĞƌŵŝƐƐŝŽŶĨƌŽŵ P E O P L E ^ŚŽƌƚ^ĂůĞŽƌĞĞĚͲ    ďĂŶŬƌƵƉƚĐLJĐŽƵƌƚ ďĂŶŬƌƵƉƚĐLJĐŽƵƌƚ ŝŶͲ>ŝĞƵŽĨ&ŽƌĞĐůŽƐƵƌĞ ϰLJĞĂƌƐ ϯLJĞĂƌƐ ϮLJĞĂƌƐ ^ŚŽƌƚ^ĂůĞŽƌĞĞĚͲ    We are a dynamic and successful team of over 600 local real estate agents and ΎŝĨĂůůƉĂLJŵĞŶƚƐǁĞƌĞ ŝŶͲ>ŝĞƵŽĨ&ŽƌĞĐůŽƐƵƌĞ ϰLJĞĂƌƐ ϯLJĞĂƌƐ ϮLJĞĂƌƐ supporting personnel in resale, property management, relocation, new homes and ŵĂĚĞŽŶƚŝŵĞƵƉ ΎŝĨĂůůƉĂLJŵĞŶƚƐǁĞƌĞ marketing services divisions. Our affiliated partnerships include mortgage, title ƵŶƚŝůƚŚĞƐĞƚƚůĞŵĞŶƚ ŵĂĚĞŽŶƚŝŵĞƵƉ and settlement, market research, land planning and development. ƵŶƚŝůƚŚĞƐĞƚƚůĞŵĞŶƚ ĚĂƚĞ͕ŶŽǁĂŝƚƉĞƌŝŽĚ ĚĂƚĞ͕ŶŽǁĂŝƚƉĞƌŝŽĚ ƌĞƋƵŝƌĞĚ ^ŚŽƌƚ^ĂůĞŽƌĞĞĚͲ   R E A LƌĞƋƵŝƌĞĚ T O R S® ^ŚŽƌƚ^ĂůĞŽƌĞĞĚͲ     ŝŶͲ>ŝĞƵŽĨ&ŽƌĞĐůŽƐƵƌĞ   ŝŶͲ>ŝĞƵŽĨ&ŽƌĞĐůŽƐƵƌĞ    ǁŝƚŚdžƚĞŶƵĂƚŝŶŐ >ĞƐƐƚŚĂŶϮLJĞĂƌƐ͕ďƵƚ As ǁŝƚŚdžƚĞŶƵĂƚŝŶŐ REALTORS®, we adhere to a strict Code^ŚŽƌƚĞƌƚĞƌŵŵĂLJďĞ of Ethics that is higher than those ^ŚŽƌƚĞƌƚĞƌŵŵĂLJďĞ >ĞƐƐƚŚĂŶϮLJĞĂƌƐ͕ďƵƚ ŝƌĐƵŵƐƚĂŶĐĞƐ ϮLJĞĂƌƐ ŐƌĂŶƚĞĚ to remainŶŽƚůĞƐƐƚŚĂŶϭϮ ŶŽƚůĞƐƐƚŚĂŶϭϮ mandated by law. Our agents receive continuous training current. We have ŝƌĐƵŵƐƚĂŶĐĞƐ ϮLJĞĂƌƐ ŐƌĂŶƚĞĚ ŵŽŶƚŚƐ a stable foundation and have consistently been named in the top 10%ŵŽŶƚŚƐ of real estate &ŽƌĞĐůŽƐƵƌĞ ϯLJĞĂƌƐ ϮLJĞĂƌƐ firms in the United States. ϳLJĞĂƌƐ Our Principals are industry visionaries withϮLJĞĂƌƐ over 75 years &ŽƌĞĐůŽƐƵƌĞ ϳLJĞĂƌƐ ϯLJĞĂƌƐ &ŽƌĞĐůŽƐƵƌĞǁŝƚŚ &ŽƌĞĐůŽƐƵƌĞǁŝƚŚ     of combined experience in the  local real estate market. džƚĞŶƵĂƚŝŶŐ ^ŚŽƌƚĞƌƚĞƌŵŵĂLJďĞ >ĞƐƐƚŚĂŶϮLJĞĂƌƐ͕ďƵƚ džƚĞŶƵĂƚŝŶŐ   ^ŚŽƌƚĞƌƚĞƌŵŵĂLJďĞ >ĞƐƐƚŚĂŶϮLJĞĂƌƐ͕ďƵƚ ŝƌĐƵŵƐƚĂŶĐĞƐ ϯLJĞĂƌƐ ŐƌĂŶƚĞĚ ŶŽƚůĞƐƐƚŚĂŶϭϮ ŝƌĐƵŵƐƚĂŶĐĞƐ ϯLJĞĂƌƐ ŐƌĂŶƚĞĚ ŶŽƚůĞƐƐƚŚĂŶϭϮ L O C A L ŵŽŶƚŚƐ ŵŽŶƚŚƐ

  We have deep roots in this community. We know its neighborhoods, cultures and ΎdŚĞǁĂŝƚŝŶŐƉĞƌŝŽĚĐŽŵŵĞŶĐĞƐŽŶƚŚĞĐŽŵƉůĞƚŝŽŶ͕ĚŝƐĐŚĂƌŐĞ͕ŽƌĚŝƐŵŝƐƐĂůĚĂƚĞ;ĂƐĂƉƉůŝĐĂďůĞͿŽĨƚŚĞĚĞƌŽŐĂƚŽƌLJĐƌĞĚŝƚ ΎdŚĞǁĂŝƚŝŶŐƉĞƌŝŽĚĐŽŵŵĞŶĐĞƐŽŶƚŚĞĐŽŵƉůĞƚŝŽŶ͕ĚŝƐĐŚĂƌŐĞ͕ŽƌĚŝƐŵŝƐƐĂůĚĂƚĞ;ĂƐĂƉƉůŝĐĂďůĞͿŽĨƚŚĞĚĞƌŽŐĂƚŽƌLJĐƌĞĚŝƚ ĞǀĞŶƚĂŶĚĞŶĚƐŽŶƚŚĞĚŝƐďƵƌƐĞŵĞŶƚĚĂƚĞŽĨƚŚĞŶĞǁůŽĂŶĨŽƌŵĂŶƵĂůůLJƵŶĚĞƌǁƌŝƚƚĞŶůŽĂŶƐ͘ lifestyles. We care. Through our Rose & Womble Foundation, we work at a grassroots ĞǀĞŶƚĂŶĚĞŶĚƐŽŶƚŚĞĚŝƐďƵƌƐĞŵĞŶƚĚĂƚĞŽĨƚŚĞŶĞǁůŽĂŶĨŽƌŵĂŶƵĂůůLJƵŶĚĞƌǁƌŝƚƚĞŶůŽĂŶƐ͘  level to give back through contributions of time, funds and goods. We are your local  Extenuating circumstances are nonrecurring events that are beyond the borrower’s control that result in a sudden, real estate resource. Extenuating circumstances are nonrecurring events that are beyond the borrower’s control that result in a sudden, ƐŝŐŶŝĨŝĐĂŶƚ͕ĂŶĚƉƌŽůŽŶŐĞĚƌĞĚƵĐƚŝŽŶŝŶŝŶĐŽŵĞŽƌĂĐĂƚĂƐƚƌŽƉŚŝĐŝŶĐƌĞĂƐĞŝŶĨŝŶĂŶĐŝĂůŽďůŝŐĂƚŝŽŶƐ͘ ƐŝŐŶŝĨŝĐĂŶƚ͕ĂŶĚƉƌŽůŽŶŐĞĚƌĞĚƵĐƚŝŽŶŝŶŝŶĐŽŵĞŽƌĂĐĂƚĂƐƚƌŽƉŚŝĐŝŶĐƌĞĂƐĞŝŶĨŝŶĂŶĐŝĂůŽďůŝŐĂƚŝŽŶƐ͘ As Always, please call us with all your mortgage questions.

here to help! As Always, pleaseWe callare usalways with all your mortgage questions. Courtney Hoffman: 757-390-015 WeDiana are always here to help! Glasier: 757-409-6301 Courtney Hoffman: 757-390-015 Diana Glasier: 757-409-6301

LOAN R O STHE E & W APPLICATION O M B L E RCHECKLIST EALTY

CO.

Standard items needed for approval process... We believe that people are more important o 30 Days most recent paystub for each borrower than houses.

o

YOUR LOCAL REAL ESTATE

RESOURCE in Hampton Roads, VA

Current LES for military borrowers

Who are we? We are people first -- your neighbors, friends and family here in Hampton o ForVirginia. VA Loans: or copy of sharing Statement of Serviceof professional ethics and a Roads, WeDD214 are REALTORS® a high-level deep respect for our role in your life when you are buying and selling a home. We are o W2’s borrower forand theare lastcommitted two years (1099 if not ayou W2’d employee) your local for realeach estate resource to providing up-to-the-minute market data and a superior customer experience. o 2 Months of most current bank satements - all pages for checking, savings, retirement, stocks, bonds, etc.

P E O P L E

o Copy of Drivers License, U.S. Residency card or Governement Issued ID We are a dynamic and successful team of over 600 local real estate agents and supporting personnel in resale, property management, relocation, new homes and o 2 Years tax returns for investors or self-employed borrowers marketing services divisions. Our affiliated partnerships include mortgage, title and settlement, market research, land planning and development. o Ratified Contract R E A L T O R S® As REALTORS®, we adhere to a strict Code of Ethics that is higher than those mandated by law. Our agents receive continuous training to remain current. We have a stable foundation and have consistently been named in the top 10% of real estate firms in the United States. Our Principals are industry visionaries with over 75 years of combined experience in the local real estate market.

L O C A L

BEACH, CITY OR COUNTRY.

Our REALTORS® Will Guide You Home

We have deep roots in this community. We know its neighborhoods, cultures and lifestyles. We care. Through our Rose & Womble Foundation, we work at a grassroots level to give back through contributions of time, funds and goods. We are your local real estate resource.

R O S E & MOVING W O M BCHECKLIST LE REALTY

CO.

;; When hiring a moving companythat makepeople sure they provide a binding estimate in writing We believe for the cost of the move.

are more important than houses. ;; Take inventory of your belongings before they are packed. Digital cameras are helpful

YOUR YOUR LOCAL LOCAL REAL REALESTATE ESTATE

RESOURCE RESOURCE in in Hampton Roads, VA Hampton Roads, VA

in documenting large items for insurance purposes. It is also important to record serial andwe? identification numbers electronic items. Who are We are people first --foryour neighbors, friends and family here in Hampton Roads, Virginia. We are REALTORS® sharing a high-level of professional ethics and a Clean rugs andforclothing before they are especially if they are going deep respect our roleitems in your life when youpacked, are buying and selling a home. Weto are be put in storage. your local real estate resource and are committed to providing you up-to-the-minute market data and a superior customer experience. Label each box to indicate if it is fragile, what room it should go in at your new home, P E OandP ifLit Eshould be loaded last so it can be removed first at your destination.

;; ;;

;; Give change of address forms to the postofoffice two weeks before moving. We are a dynamic and successful team over 600 local real estate agents and supporting personnel in resale, property management, relocation, new homes and ;; Notify yourservices credit card company otherpartnerships charge accounts of your new address. marketing divisions. Our and affiliated include mortgage, title and settlement, market research, land planning and development. ;; Give notice to all your magazine subscriptions 4 to 6 weeks in advance. R E A L T O R S ;; Obtain copies of your medical and dental records. As REALTORS®, we adhere to a strict Code of Ethics that is higher than those mandated by law. doctor Our agents receive for continuous to moving remain current. Wearea. have ;; Ask your existing and dentist referrals training if you are out of the ®

a stablewith foundation and haveagent consistently been in the top 10% of move real estate Check your insurance to ensure younamed are covered during the and firms in for thenew United States. Our Principals are industry visionaries with over 75 years arrange policies if needed. of combined experience in the local real estate market. At your old address, make sure utilities have been transferred out of your name.

BEACH, CITY BEACH, CITY OR COUNTRY. OR COUNTRY. ® ® Our OurREALTORS REALTORS Will WillGuide GuideYou YouHome Home

;; L O C A L ;; Check that utilities are hooked up at your new address

We have deep roots in this community. We know its neighborhoods, cultures and lifestyles. We care. Through our Rose & Womble Foundation, we work at a grassroots level to give back through contributions of time, funds and goods. We are your local real estate resource.

HOWR SHOULD O S E &WE W HOLD O M BTITLE L E TO R EOUR A L TNEW Y HOME? CO. Individual

YOUR YOUR LOCAL LOCAL REALESTATE ESTATE REAL

RESOURCE RESOURCE HamptonRoads, Roads,VA VA ininHampton

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If you’re a single person buying a are more important home, your options for the way you than houses. hold title are limited. You may hold title to your property as an individual. In some states, few,people you may Who are we? very We are first -- your neighbors, friends and family here in Hampton hold Roads, title in aVirginia. land trust. A land trust We are REALTORS® sharing a high-level of professional ethics and a is a deep legal respect invention sole life when you are buying and selling a home. We are for where our rolethe in your assetyour in the trust the property youand are committed to providing you up-to-the-minute local realisestate resource are buying, and the beneficiary of market data and a superior customer experience. the trust is you. At one time, you could use a land trust to completely P E O P L E obscure the identity of the beneficiary. Today, the veil of the land trust has We are a dynamic and successful team of over 600 local real estate agents and been lifted.

supporting personnel in resale, property management, relocation, new homes and services affiliated partnerships include mortgage, title Two marketing or More Buyers or divisions. a MarriedOur Couple and settlement, market research, land planning and development. If you’re married, you can hold property in one of four ways: as joint tenants, tenants in common, tenancy by the entirety, or a land trust.

R E A L T O R S®

Joint tenancy with rights of survivorship is the most common way married couples hold property. You each own we theadhere propertytoas a whole, if you or yourthat spouse dies, that As REALTORS®, a strict Code of Ethics is higher thanperson’s those sharemandated in the property is immediately transferred to the spouse. You share and share We have by law. Our agents receive continuous training to remain current. alike ainstable the entire property. foundation and have consistently been named in the top 10% of real estate

UnitedasStates. Principalsyour are industry visionaries 75 years If youfirms hold in thethe property tenantsOur in common, share in the propertywith can over be broken of combined experience in the local real estate market. down into percentages; for example, you might own 30% of a house, your spouse may own 30%, and your parents may own 40%.

L O C A L

BEACH,CITY CITY BEACH, ORCOUNTRY. COUNTRY. OR

OurREALTORS Our WillGuide GuideYou YouHome Home Will ®® REALTORS

While you may use and enjoy the whole property-you cannot be restricted to “your” 30%-you can sell your share, justcommunity. as you mightWe sell stockitsinneighborhoods, a company. Youcultures may selland We have deep roots in this know your share to whomever choose.our Rose & Womble Foundation, we work at a grassroots lifestyles. We care.you Through

level to give back through contributions of time, funds and goods. We are your local

Tenancy by the entirety is an option that is only available to married couples. It real estate resource. has the same benefits as joint tenancy, with rights of survivorship, but as long as the couple is married, it protects the interest of each spouse. With tenancy by the entirety, both spouses in the marriage must agree before the property is subject to one spouse’s creditors. So, no spouse may do anything that would create a claim or lien on the marital property. If, for example, Scott was sued, the creditors could not attach the residence because he and Janet each own the whole property. Creditors would have to wait until the marriage is severed, or the spouse consented to the claim, or the property is sold. Once the property is sold, a claim can be attached to the proceeds. Holding property in a land trust is also an option. It works exactly the same way.

R OTHE S EIMPORTANCE & W O M BOFL TITLE E RINSURANCE EALTY CO. We believe that people are more important than houses.

YOUR LOCAL REAL ESTATE

RESOURCE in Hampton Roads, VA

Who are we? We are people first -- your neighbors, friends and family here in Hampton Roads, Virginia. We are REALTORS® sharing a high-level of professional ethics and a deep respect for our role in your life when you are buying and selling a home. We are your local real estate resource and are committed to providing you up-to-the-minute market data and a superior customer experience.

Why you need title insurance

P E O P L E

A corrective process is vital to curing title problems. Other types of insurance coverage focus on possible future events and charge an annual premium – such as The process of performing title searches and curing title are a dynamic successful team of over 600does localnotreal estate floodWe insurance or hazard and insurance that safeguard problems come cheap.agents Industry and studies find against loss from wind damage. Title insuranceproperty protects that title insurers spend an average of 92 cents supporting personnel in resale, management, relocation, new homes andout of against loss from hazards and defects already existing in every premium dollar as their cost of doing business. marketing services divisions. Our affiliated partnerships include mortgage, title the title and is purchased with a one-time premium. The most actions to cure title defects include: and settlement, market research, land planning andcommon development. • Releases/pay-offs for liens – 33%

R E A L T O R S®

• Releases/pay-offs for deeds/mortgages – 19% • Typographical corrections (names, addresses,

descriptions) 17% As REALTORS®, we adhere to a strict Code of legal Ethics that is –higher than those mandated by law. Our agents receive continuous training to remain current. We have estate/family issue – 11% • Clearing a stable foundation and have consistently been namedphysical in theproperty top 10% real estate issues of – 7% • Clearing firms in the United States. Our Principals are industry visionaries with over 75 years What if a problem is hidden or missed? of combined experience in the local real estate After market. all this searching and examination, a title problem may still be hidden or missed, such as:

L O C A L

BEACH, CITY OR COUNTRY.

Our REALTORS® Will Guide You Home

have roots isinthethis TitleWe search anddeep examination firstcommunity. step.

• A forged signature on a deed • An unknown heir who steps forward to claim

ownership of the property We know its neighborhoods, cultures and Insuring a home’sWe title care. begins with a search public & Womble or forged we power of attorney during • An expired lifestyles. Through ourof Rose Foundation, work at a used grassroots land level records the property. title agent or of time,a property transfer toaffecting give back throughThecontributions funds and goods. We are your local attorney working on behalf of the underwriter examines • An incorrect public record real documents estate resource. pertinent to determine whether the property is insurable. Those documents include deeds, wills, trusts, outstanding mortgages and judgments, property liens, highway or utility line easements, pending legal actions and notary acknowledgements.

In each of these cases and many more, when there is appropriate title insurance coverage, a policy will offer financial protection. The title insurer defends the title and either perfects the title or pays valid claims.

When title problems are disclosed during the search process, they are corrected whenever possible to avoid future claims. According to surveys done by the ® American Land Title Association (ALTA), title problems consistently arise in one out of three real estate transactions (36%).

Proudly issuing policies of Stewart Title Guaranty Company

© 2012 Stewart. Trademarks are the property of their respective owners. AS-1226-18-10 6/12

ROSE & WOM BLE REALTY RESUME

CO.

SHERRY SNYDER, Associate Broker, Realtor®, MRP, ABR, SFR, e-PRO We believe that people Key factors in choosing are a real estate agent: more important Someone can trust. than you houses.

YOUR LOCAL REAL ESTATE

RESOURCE in Hampton Roads, VA

BEACH, CITY OR COUNTRY.

Our REALTORS® Will Guide You Home

The most important thing when choosing a real estate professional is to find someone you can trust. I have a history of success and integrity in real estate that you can depend am We an experienced negotiator expert friends knowledge the local Who on. are Iwe? are people first -- your with neighbors, and of family heremarket. in Hampton YouRoads, can count on me to always work with your interests in mind, and to represent you Virginia. We are REALTORS® sharing a high-level of professional ethics and a anddeep your respect wishes to the best of my ability. for our role in your life when you are buying and selling a home. We are

Someone who and wants same thing you do. your local real estate resource are the committed to providing you up-to-the-minute I want you to be 100% satisfied, both with my service and with your new property. I will market data and a superior customer experience. involve myself in your home search as much or as little as you like, and will communicatePinformation E O P LtoEyou on a schedule and in a fashion that suits you best. My goal is to make every customer a customer for life!

Whyteam choose me? We are a dynamic and successful of over 600 local real estate agents and I was born andpersonnel raised in Vermont two of the most honest,relocation, decent and hardworking supporting in resale,byproperty management, new homes and people I know.services Honesty,divisions. integrity, Our hardaffiliated work andpartnerships good valuesinclude were the cornerstone marketing mortgage, title of our life. I am one ofresearch, six children; I know how to work with others. andfamily settlement, market landtherefore, planning and development. I graduated college and then attended a French Immersion program for a summer in Quebec. I married a Naval Officer. We moved five times and had R Ethree A Lbeautiful T O R S® children in our 10 years of marriage. I have been a single mother since 2002. I feel strongly about volunteering my time helpCode others. I obtained Real Estate License As REALTORS®, we adhere to a to strict of Ethics thatmy is higher than those in 2004. Finally, I believe my upbringing has made me the type of agent I am today mandated by law. Our agents receive continuous training to remain current. We have andathat all of my experiences have helped me to relate to just about everyone I have stable foundation and have consistently been named in the top 10% of real estate hadfirms the pleasure of working with. in the United States. Our Principals are industry visionaries with over 75 years

EDUCATION of combined experience in the local real estate market. Strategies for Success, Rose & Womble College of Real Estate, Virginia Beach, VA Principles of Real Estate Training, Long & Foster Institute of Real Estate, Va. Beach, VA L O C A L Universite Laval, Quebec, Canada B.A. Degree French, St. Michael’s College, Colchester, VT We have deep roots in this community. We know its neighborhoods, cultures and Broker’s licensing courses, Alpha College of Real Estate lifestyles. We care. Through our Rose & Womble Foundation, we work at a grassroots level to give back through contributions of time, funds and goods. We are your local real estate resource. MEMBERSHIPS and AWARDS NAR, VAR, HRRA, REIN, HRRA Member of Grievance Committee Multi-year FIVE STAR Real Estate Agent Award Winner 2014 Rising Star of the Year Award, Hampton Roads Realtors® Association 2014 Trulia Top Agent Award 2014–2015 Vice Chair Resale Council 2015, 2016 HRRA Circle of Excellence Silver Award recipient 2015–2017 Vice Chair Grievance ` Committee 2016–2017 Resale Council Chair 2016-2017 Founder of Realtors Have a Heart volunteer campaign 2016–2017 HRRA Board of Directors 2016 HRRA Chairman’s Award for Outstanding Service Rose & Womble Realty has over 75 years of combined experience in the local real estate market. We offer homes for sale in, and service; Virginia Beach, Chesapeake Norfolk, Newport News, Hampton, Portsmouth, Suffolk, Williamsburg and surrounding counties. Please give me a call and let me know how WE can help YOU!

R O S E & WTESTIMONIALS... OMBLE REALTY

YOUR LOCAL REAL ESTATE

RESOURCE in Hampton Roads, VA

CO.

Sherry Snyder navigated selling ofthat my home flawlessly. My family and I were faced with Wethebelieve people relocation to Guam and needed to sell the house quickly. Before we even met with Sherry are more important initially, she provided an extremely helpful thanpamphlet houses.providing us with expectations and recommendations which set the tone for listing our home. We followed her recommendations and within hours of listing our home we had multiple showings. After only having the house Who are we? We are people first -- your neighbors, friends and family here in Hampton listed for 3 days we had 3 offers all coming in above our asking price. Our concern then shifted Roads, Virginia. We are REALTORS® sharing a high-level of professional ethics and a dramatically, we needed sell in theyour house too quick. After consulting deep respect for ourtorole lifequickly, when but youthis arewas buying and selling a home. with We are Sherry, we decided to submit counter-offers asking for buyers to offer a rent-back agreement your local real estate resource and are committed to providing you up-to-the-minute market data and a accepted. superior customer which was immediately Only 3 daysexperience. of showing the house and we were under contract and we didn’t have to move out until it was time for us to relocate! I don’t know how L E found the buyers we needed (in 3 days!), sold the house above asking shePdidEit,ObutPSherry price, and was present every step of the way. She understood exactly what we needed and We are a dynamic and successful team of over 600 local real estate agents and made it happen. Every time we called, emailed, or texted her (day, night, or weekend) - she supporting personnel in resale, property management, relocation, new homes and answered. She services was prompt and extremely pleasant partnerships as only Sherryinclude can be. From the pre-listing marketing divisions. Our affiliated mortgage, title consultation, scheduling showings, contract negotiations, buyer’s inspections, contractor repairs, and settlement, market research, land planning and development. and closing - she was there with a smile. We could not have asked for a better experience and if we ever need to buy/sell again in the area, Sherry will be our first andRonly E call. A L- Mark T andO Audra R KS® As are REALTORS®, adhere to a our strict Code Ethics that isNo higher thanask those “...we most thankfulwethat we placed trust andoffaith in Sherry. one could for mandated by law. Our agents receive continuous training to remain current. We more dedication, knowledge, and attention to detail than she brought to these transactions. have a stable foundation and have consistently been named in the top 10% of real estate Shefirms is truly credit to herStates. profession an asset are to your firm.”visionaries - Frank & Chris G, Buyers and Sellers in athe United Ourand Principals industry with over 75 years of combined experience in the local real estate market.

Sherry was outstanding! She’s very personable. I don’t recommend companies, I only recommend individuals. I would SHERRY to ALL my friends! - Kevin & Michele W, L Ohighly C Arecommend L

BEACH, CITY OR COUNTRY.

Our REALTORS® Will Guide You Home

buyers

We have deep roots in this community. We know its neighborhoods, cultures and We care. Through our Rose Foundation, workwe atwere a grassroots Shelifestyles. was excellent! Took care of everything for&us!Womble Being first time homewe buyers level to give back through contributions of time, funds and goods. We are your local nervous and did not know what to expect. She led us through every step of the way and was real estate resource.

above and beyond what we expected! - Harley & Nicole W, buyers

Sherry was, in a word, awesome! I was faced with a very quick move out of state. In fact I had to move before my house was even on the market. It was very stressful leaving town and not knowing what was going to happen. The one thing money can’t buy is trust, and Sherry quickly earned my total and complete trust. She stepped up, made sure my house was market ready and then worked tirelessly to ensure we closed a sale quickly. But most importantly, Sherry kept me updated on every little detail via phone, email and even text. She worked to make me feel like I was her only client and ultimately took all of the stress and anxiety away even though I was hundreds of miles away. The end result of her dedication, knowledge and effort was my house sold within a month at a great price. I couldn’t possibly be happier and I would recommend Sherry to anyone needing an honest, hard-working and knowledgeable Realtor. Thank you for everything Sherry! - dprewette

R O S E TESTIMONIALS & W O M B L (continued)... E REALTY

YOUR LOCAL REAL ESTATE

RESOURCE in Hampton Roads, VA

CO.

Sherry is a true professional who will that bend people over backwards to ensure you are satisfied with We believe the home buying or selling process. We initially wanted to rentimportant a home and Sherry showed us are more many properties. After a few days, we decided that buying a home would work out better for than houses. our situation. We were in a hurry and Sherry did an amazing job of finding/showing us homes that fit our needs. We ultimately found the home we wanted and Sherry introduced us to the Who are we? We are people first -- your neighbors, friends and family here in Hampton right people for the rest of the logistics. Needless to say, we were very impressed with her Roads, Virginia. We are REALTORS® sharing a high-level of professional ethics and a professionalism andfordedication. - Rob & Melissa Buyer you are buying and selling a home. We are deep respect our role in your life B,when your local real estate resource and are committed to providing you up-to-the-minute

market data and a superior customer Amazing sure amazing!!! She is very good at experience. getting the job done knows her stuff and will get you the best deal with no hassles. She also knows the military well. I would recommend Sherry P E O- Tyler P C,LBuyer E to anyone! We are a dynamic and successful team of over 600 local real estate agents and

Being a first time home buyer, we didn’t really know what we were getting into. Sherry was supporting personnel in resale, property management, relocation, new homes and fabulous with helping usdivisions. figure everything out, andpartnerships helping us through themortgage, whole process. marketing services Our affiliated include title She answered all of our questions, (and thereland were planning plenty of them), was always extremely patient and settlement, market research, and development. with us, and great with being able to overcome schedule conflicts. She made the whole process easy for us, and a lot less stressful! I would highly recommend her to anyone R E Alooking L T toO buy R aS® home. Sherry is honest, knowledgeable, and incredible at what she does! - Aaron & Jaime Jo, Buyer

As REALTORS®, we adhere to a strict Code of Ethics that is higher than those mandated by law. Our agents receive continuous training to remain current. We have Sherry helped me find my first house. As a new buyer I didn’t know many of the ins and outs a stable foundation and have consistently been named in the top 10% of real estate of looking houses or buying She was very andvisionaries patient. If she didn’t firms inatthe United States.houses. Our Principals arehelpful industry with overknow 75 years something she would find the answer for me and get back to me quickly. She was flexible with of combined experience in the local real estate market.

BEACH, CITY OR COUNTRY.

Our REALTORS® Will Guide You Home

my schedule. Overall she’s a great Realtor and I would recommend her to anyone! - Stephen, Buyer L O C A L Sherry was an absolute perfect choice. Being military, my wife and I had limited time to spend Wearea havesearching deep roots in this She community. know its cultures and in the for homes. was able toWeevaluate whatneighborhoods, my wife and I liked after our lifestyles. We care. Through our Rose & Womble Foundation, we work at a grassroots first face to face meeting. She assisted us, from Rhode Island, with vetting homes so that level to give back through contributions of time, funds and goods. We are your local we real wereestate able toresource. eliminate homes that would not work... She went above and beyond and negotiated an outstanding deal on our current home. She was there every step of the way including assisting with the closing and walk through due to the fact that my wife and I could not be there in person... I have and will continue to recommend her to anyone who is coming to the area looking for a honest and reliable real estate agent. - Bradley & Becki, Seller Sherry was completely honest with us. As a military member, we move alot and deal with multiple realtors. She is the first we have been completely comfortable with. She knew the area, the market and was really flexible in showing us houses on our schedule. When we move again, she’ll be our first call to list our home for sale! - Duke & Anne, Buyer Sherry communicates desire to make things happen for her client and presents a balanced view weighing in both Buyer and Seller needs. - Rich & Maxine R

ROSE & WOMBLE

YOUR LOCAL REAL ESTATE

RESOURCE in Hampton Roads, VA

REALTY

CO.

We believe that people are more important than houses. The circumstances amid which you live determine Your reputation; Who are we?The We truth are people first -- your neighbors,your friends and family here in Hampton you believe determines character. Roads, Virginia. We are REALTORS® sharing a high-level of professional ethics and a deep respect for our role in your life when you are buying and selling a home. We are Reputation is what you are supposed to be; your local real estate resource and are committed to providing you up-to-the-minute Character what you are. market data and a superior customerisexperience.

P E O P L E

Reputation is the photograph; Character is the face.

We are a dynamic and successful team of over 600 local real estate agents and supporting personnel in you resale, property new homes and Reputation is what have whenmanagement, you come torelocation, a new community; marketing services divisions. Our affiliated partnerships include mortgage, title Character is what you have when you go away. and settlement, market research, land planning and development.

Your reputation is learned in an hour; R E A L T O R S® Your character does not come to light for a year. As REALTORS®, we adhere to a strict Code of Ethics that is higher than those newspaper report gives you your to reputation; mandatedAbysingle law. Our agents receive continuous training remain current. We have a stable foundationA and consistently in the top 10% of real estate life have of toil gives youbeen yournamed character. firms in the United States. Our Principals are industry visionaries with over 75 years of combined experience the local realrich estate market. you poor; Reputationinmakes you or makes

Character makes you happy or makes you miserable. L O C A L

BEACH, CITY OR COUNTRY.

Our REALTORS® Will Guide You Home

Reputation men say about youitsonneighborhoods, your tombstone; We have deep roots is in what this community. We know cultures and Character is what angels about you before the throne of atGod. lifestyles. We care. Through oursay Rose & Womble Foundation, we work a grassroots level to give back through contributions of time, funds and goods. We are your local real estate resource.

TRUST MY REPUTATION. COUNT ON MY CHARACTER.

by Jenny Pruitt

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We believe that people Trash Collection—Including Bulk Trash Pick Up 757-222-1111 Chesapeake 757-382-2489 are more important Charter Communications (Suffolk) 757-539-2312 Hampton 757-727-8311 than houses. Cox Communications

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Who are we? We are people first -- your neighbors, friends and family here in Hampton Direct TV 800-371-9803 Portsmouth 757-393-8663 Roads, Virginia. We are REALTORS® sharing a high-level of professional ethics and a Suffolk 757-514-7630 deep respect for our role in your life when you are buying and selling a home. We are Automobiles your local real estate resource and are committed to providing you up-to-the-minute Williamsburg 757-220-6188 market dataVehicles and (DMV) a superior800-435-5137 customer experience. Department of Motor

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888-667-3000

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Hampton Roads (HRSD) 757-874-3979 We are a dynamic and successful team of over 600 local real estate agents and Chesapeake 757-382-3550 supporting personnel in resale, property management, relocation, new homes and Gas marketing services divisions. Our affiliated partnerships include mortgage, title Norfolk 757-441-5813 Virginia Natural Gas 866-229-3578 and settlement, market research, land planning and development. Portsmouth Suffolk Virginia Beach

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As REALTORS®, we adhere866-222-0125 to a strict Code of Ethics that is higher than those Water and Sewer mandated by law. Our agents receive continuous training to remain current. We have Verizon 757-954-6222 a stable foundation and have consistently been named in the top 10% of real estate Chesapeake 757-382-6352 Charter firms in the United States. 888-438-2427 Our Principals are industry visionaries with over 75 years Hampton 757-727-8311 of combined experience in 757-248-4000 the local real estate market. Cavalier Cox

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Many times you can state, “Please transfer these accounts into my name without interruption.” This will save both parties from disconnect and connect fees. Information subject to change.

Newport News

757-933-2311

Norfolk

757-823-1000

Portsmouth

757-393-8561

We have deep roots in this community. We know its neighborhoods, cultures and Suffolk 757-514-7000 lifestyles. We care. Through our Rose & Womble Foundation, we work at a grassroots Wiliamsburg level to give back through contributions of time, funds and goods. We are 757-220-6188 your local Virginia Beach 757-385-4631 real estate resource.

Carrie Williams

Sr. Mortgage Banker NMLS #448070, Licensed in VA, NC, & FL DIRECT: 757-870-4614 OFFICE: 757-228-3980 FAX: 757-946-3365 [email protected] www.carriewilliams.net 10/2/17

CITY INFORMATION... ROSE & W OM BLE REALTY

CO.

We believe that people Chesapeake are more important 757-382-2489 than houses. www.cityofchesapeake.net

YOUR LOCAL REAL ESTATE

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Who are we? We are people first -- your neighbors, friends and family here in Hampton Hampton sharing a high-level of professional ethics and a Roads, Virginia. We are REALTORS® deep respect for our role757-727-8311 in your life when you are buying and selling a home. We are www.hampton.gov your local real estate resource and are committed to providing you up-to-the-minute market data and a superior customer experience.

P E O P L E

Newport News

757-933-2311 www.nngov.com We are a dynamic and successful team of over 600 local real estate agents and supporting personnel in resale, property management, relocation, new homes and marketing services divisions. Our affiliated partnerships include mortgage, title and settlement, market research, Norfolk land planning and development. 757-664-4000 757-664-6510 R E A L T O R S® www.norfolk.gov As REALTORS®, we adhere to a strict Code of Ethics that is higher than those mandated by law. Our agents receive continuous training to remain current. We have a stable foundation and Porstmouth have consistently been named in the top 10% of real estate 757-393-8000 firms in the United States. Our Principals are industry visionaries with over 75 years of combined experience www.portsmouthva.gov in the local real estate market. www.movetoPortsmouthVA.com

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Our REALTORS® Will Guide You Home

Suffolk We have deep roots in this community. We know its neighborhoods, cultures and 757-514-4000 lifestyles. We care. Through our Rose & Womble Foundation, we work at a grassroots www.suffolk.va.us level to give back through contributions of time, funds and goods. We are your local www.yesSuffolk.com real estate resource. Virginia Beach

757-385-3111 www.vbgov.com www.yesVirginiaBeach.com

SCHOOLS ROSE & WOM BLE REALTY

CO.

CHESAPEAKE PUBLIC We SCHOOLS believe that people www.cpschools.com are more important than houses. HAMPTON PUBLIC SCHOOLS

YOUR LOCAL REAL ESTATE

RESOURCE in Hampton Roads, VA

www.hampton.va.us/schoolinfo.html Who are we? We are people first -- your neighbors, friends and family here in Hampton NEWPORT NEWS We PUBLIC SCHOOLS sharing a high-level of professional ethics and a Roads, Virginia. are REALTORS® www.sbo.nn.kl12.va.us deep respect for our role in your life when you are buying and selling a home. We are your local real estate resource and are committed to providing you up-to-the-minute market data and SCHOOLS a superior customer experience. NORFOLK PUBLIC www.nps.k12.va.us

P E O P L E PORTSMOUTH PUBLIC SCHOOLS

We are a dynamic and successful team of over 600 local real estate agents and www.pps.k12.va.us supporting personnel in resale, property management, relocation, new homes and marketing services divisions. Our affiliated partnerships include mortgage, title SUFFOLK PUBLIC SCHOOLS and settlement, market research, land planning and development. www.suffolk.va.us/cmty/edu.html

VIRGINIA BEACH PUBLIC SCHOOLS

R E A L T O R S®

www.vbcps.k12.va.us As REALTORS®, we adhere to a strict Code of Ethics that is higher than those mandated by law. Our agents continuous to remain current. We have WILLIAMSBURG / JAMES CITYreceive COUNTY PUBLICtraining SCHOOLS a stable foundation and have consistently been named in the top 10% of real estate www.wjcc.k12.va.us firms in the United States. Our Principals are industry visionaries with over 75 years of combined experience in the local real estate market.

VIRGINIA DEPARTMENT OF EDUCATION: www.DOE.virginia.gov

BEACH, CITY OR COUNTRY.

Our REALTORS® Will Guide You Home

L O C A L

This information is just a brief list of some of the School web-sites, we We haveyou deep in this community. We know neighborhoods, cultures and encourage to roots visit www.roseandwomble.com for its additional information lifestyles. We care. Through our Rose & Womble Foundation, we work regarding these cities and others. The web-site has several header tabs, ifat a grassroots give back through contributions of time,the funds and goods. We are your local youlevel go totothe “RELOCATION” tab you can choose Community real estate resource. Information which will bring up the list of cities in the Hampton Roads area.

OTHER HELPFUL SCHOOL RESOURCES www.schoolmatters.com www.bestschools.com

R O S E &MORTGAGE W O M B CALCULATOR LE REALTY

YOUR LOCAL REAL ESTATE

RESOURCE in Hampton Roads, VA

BEACH, CITY OR COUNTRY.

Our REALTORS® Will Guide You Home

CO.

Loan Amt. 3.75% 4.00% 4.25% 4.50% 4.75% 5.00% 5.25% 5.50% 5.75% $ $ $ $ $ $ $ $ $ $ people 100,000 463 We 477believe 492that 507 522 537 552 568 584 $ $ $ $ $ $ $ $ $ $ 120,000 556 573 590 608 are 626 644 663 681 700 more important $ $ $ $ $ $ $ $ $ $ 140,000 648 668 689 than 709 730 752 773 795 817 houses. $ $ $ $ $ $ $ $ $ $ 160,000 741 764 787 811 835 859 884 908 934 $ $ $ $ $ $ $ $ 180,000 834 859 885 912 939 966 994 $1,022 $1,050 $ $ $ $ $ $ 200,000 926We are 955 984 $1,043 friends 1,074 and 1,104 $1,136 $Hampton 1,167 Who are we? people first --$1,013 your neighbors, family here in $ $ $ $ $ $ $ $ $ $ 220,000 1,019 1,050 1,082 1,115 1,148 1,181 1,215 1,249 1,284 Roads, Virginia. We are REALTORS® sharing a high-level of professional ethics and a $ $ $ $ $ $ $ $ $ $ 240,000 1,111 1,146 1,181 1,216 1,252 1,288 1,325 1,363 deep respect for our role in your life when you are buying and selling a home. 1,401 We are $ $ $ 260,000 $1,204 1,241resource $1,279and $1,317 $1,356 to$1,396 $1,436 1,476 $1,517 your local real estate are committed providing you up-to-the-minute $ $ $ $ $ $ $ $ $ 280,000 1,297 1,337 1,377 1,419 1,461 1,503 1,546 1,590 $1,634 market data and a superior customer experience. $ 300,000 $1,389 $1,432 $1,476 $1,520 $1,565 $1,610 $1,657 $1,703 $1,751 $ $ $ $ $ $ $ $ $ $ 320,000 P E O 1,482 P L E 1,528 1,574 1,621 1,669 1,718 1,767 1,817 1,867 $ 340,000 $1,575 $1,623 $1,673 $1,723 $1,774 $1,825 $1,877 $1,930 $1,984 $ $ $ $ $ 360,000 a$1,667 $1,719 1,771 team 1,824of over 1,878 $local 1,933 real $1,988 $agents 2,044 and 2,101 We are dynamic and successful 600 estate $ $ $ $ $ $ $ $ $ $ 380,000 1,760 1,814 1,869 1,925 1,982 2,040 2,098 2,158 supporting personnel in resale, property management, relocation, new homes 2,218 and $ $ 400,000 $1,852 $1,910 $1,968 2,027 $partnerships 2,087 $2,147 $2,209 $2,271 title $2,334 marketing services divisions. Our affiliated include mortgage, $ $ $ $ 420,000 $1,945 market 2,005 research, 2,066 land 2,128 $2,191and $2,255 $2,319 $2,385 $2,451 and settlement, planning development. $ 440,000 $2,038 $2,101 $2,165 $2,229 $2,295 $2,362 $2,430 $2,498 $2,568 $ 460,000 $2,130 $2,196 $2,263 $2,331 $2,400 $2,469 $2,540 $2,612 $2,684® R E A L T O R S $ 480,000 $2,223 $2,292 $2,361 $2,432 $2,504 $2,577 $2,651 $2,725 $2,801 $ 500,000 $2,316 $2,387 $2,460 $2,533 $2,608 $2,684 $2,761 $2,839 $2,918 As REALTORS®, we adhere to a strict Code of Ethics that is higher than those $ 520,000 $2,408 $2,483 $2,558 $2,635 $2,713 $2,791 $2,871 $2,953 $3,035 mandated by law. Our agents receive continuous training to remain current. We have $ 540,000 $2,501 $2,578 $2,656 $2,736 $2,817 $2,899 $2,982 $3,066 $3,151 a stable foundation and have consistently been named in the top 10% of real estate $ 560,000 $2,593 $2,674 $2,755 $2,837 $2,921 $3,006 $3,092 $3,180 $3,268 firms in the United States. Our Principals are industry visionaries with over 75 years $ 580,000 $2,686 $2,769 $2,853 $2,939 $3,026 $3,114 $3,203 $3,293 $3,385 of combined experience in the local real estate market. $ 600,000 $2,779 $2,864 $2,952 $3,040 $3,130 $3,221 $3,313 $3,407 $3,501 $ 620,000 $2,871 $2,960 $3,050 $3,141 $3,234 $3,328 $3,424 $3,520 $3,618 C A $ $ 640,000 $2,964 $3,055 L O 3,148 $L 3,243 $3,339 $3,436 $3,534 $3,634 $3,735 $ 660,000 $3,057 $3,151 $3,247 $3,344 $3,443 $3,543 $3,645 $3,747 $3,852 We have deep roots in this$3,345 community. $ $ $ $ 680,000 $3,149 3,246 $3,445We $know 3,547 its $neighborhoods, 3,650 $3,755 cultures 3,861 and 3,968 lifestyles. We care. Through our Rose & Womble Foundation, we work at a grassroots $ $ 700,000 $3,242 $3,342 $3,444 $3,547 $3,652 $3,758 $3,865 $3,975 4,085 level to $give through and goods. local $ $ $ $ are your 720,000 3,334back $3,437 $contributions 3,542 $3,648of time, 3,756funds $3,865 3,976 We 4,088 $4,202 real estate resource. $ 740,000 $3,427 $3,533 $3,640 $3,749 $3,860 $3,972 $4,086 $4,202 $4,318 $ 760,000 $3,520 $3,628 $3,739 $3,851 $3,965 $4,080 $4,197 $4,315 $4,435 $ 780,000 $3,612 $3,724 $3,837 $3,952 $4,069 $4,187 $4,307 $4,429 $4,552 $ 800,000 $3,705 $3,819 $3,936 $4,053 $4,173 $4,295 $4,418 $4,542 $4,669 $ 820,000 $3,798 $3,915 $4,034 $4,155 $4,278 $4,402 $4,528 $4,656 $4,785 $ 840,000 $3,890 $4,010 $4,132 $4,256 $4,382 $4,509 $4,639 $4,769 $4,902 $ 860,000 $3,983 $4,106 $4,231 $4,357 $4,486 $4,617 $4,749 $4,883 $5,019 $ 880,000 $4,075 $4,201 $4,329 $4,459 $4,590 $4,724 $4,859 $4,997 $5,135 $ 900,000 $4,168 $4,297 $4,427 $4,560 $4,695 $4,831 $4,970 $5,110 $5,252 $ 920,000 $4,261 $4,392 $4,526 $4,662 $4,799 $4,939 $5,080 $5,224 $5,369 $ 940,000 $4,353 $4,488 $4,624 $4,763 $4,903 $5,046 $5,191 $5,337 $5,486 $ 960,000 $4,446 $4,583 $4,723 $4,864 $5,008 $5,153 $5,301 $5,451 $5,602 $ 980,000 $4,539 $4,679 $4,821 $4,966 $5,112 $5,261 $5,412 $5,564 $5,719 $ 1,000,000 $4,631 $4,774 $4,919 $5,067 $5,216 $5,368 $5,522 $5,678 $5,836