Virginia Beach Realtor

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Virginia Beach, VA, United States
Teresa Lancaster knows how tough moving and relocating can be and her goal is to make YOUR move a smooth one. Teresa holds a high level of integrity, dedication and professionalism. If you’re looking for a professional, aggressive, and savvy Realtor with a proven track record, give Teresa Lancaster a call for an appointment today! AWARDS / Certifications: RE/MAX 100% AWARD 2004-2006, HRRA Circle of Excellence Gold /2-Bronze, Certified New Homes Sales Professional, Accredited Buyers Representative, Norfolk Real Estate Ambassador

Friday, March 25, 2011

My New Website

I hope to share some exciting news about my new and improved Website coming soon!


Its in the early stage of construction but it will have the ability to offer Real Estate Listing sydication to major real estate portals including Trulia, Yahoo, Google Base, Vast, Oodle, Propsmart and more! More people will see your listings! More traffic will come to my site! It's free! You will be happy to know that your listing will be seen by hundreds of people every day! :

Buyers and Sellers:

  • 11 Real Estate Calculators

  • Real Estate Glossary

  • Integrated Neighborhood Demographcis

  • Integrated School Information

  • Integrated Google Map to Listing

  • Home Viewing Appointment Scheduler

  • Integrated Home Search Shopping

  • Local Info for Your City / Area

  • Integrated Current Movie Listings

  • Integrated Local News

  • Integrated Todays Interest Rates

  • Integrated Instant CMA System

  • Over 80 Real Estate Reports

  • Property Alert System

  • Lots More - Too Many To List!

    Friday, March 18, 2011

    Termite Inspection Questions

    • What does a termite inspection entail?
      • A termite inspection is a visual inspection of the readily accessible areas of a home for evidence of wood-destroying insects (WDI) and wood-destroying organisms (WDO). The inspector will visually inspect the entire interior of a home (including accessing and entering any sub-space such as basements and crawlspaces) and exterior of the property. In areas where Drywood termites are prevalent, and in houses where there are no sub-areas, the attic may also be accessed and inspected. After the inspection has been performed, the findings are reported on the applicable/appropriate form.

    • How long does an inspection take?
      • The average termite or pest inspection takes approximately 30 to 45 minutes for a thorough inspection, depending on the size and conditions (e.g. clutter; storage of personal items, etc.) of the home and property.

    • Can termites live in colder climates?
      • Yes, termites have been found throughout the United States, even in Alaska! Cold weather does not kill them off; rather it slows them down or causes them to go into a hibernation state. As a matter of fact, it has been reported that 1 out of every 15 houses in the Chicago area have termite infestations.

    • Why inspect the attic if termites stay close to the ground?
      • The termite inspection is actually an inspection for wood-destroying insects and organisms. The inspector is also looking for ants, bugs and fungus. Sometimes, in areas where Drywood termites are prevalent, and in houses where there are no sub-areas, the attic may also be accessed and inspected. Inspectors routinely look in the attic area for Drywood termite pellets (fecal matter), which are oblong, vary in color from light gray to very dark brown, and are only 2 to 3 millimeters long. They generally accumulate on surfaces or in spider webs near the eaves area of the attic.

    • What do termites look like?
      • Subterranean termite colonies consist of three different castes--reproductives, workers and soldiers. All of the Subterranean termites are generally creamy white in appearance and are translucent, looking very much in size, shape and color as a grain of rice. The reproductives, or “swarmers,” have a pair of even-sized wings and are often mistaken for flying ants. The workers look similar to the “swarmers,” only they are a little smaller and do not have wings. The soldiers are also similar except for their oversized heads and large, crushing mandibles.

    • What is the difference between carpenter ants and termites?
      • There are a number of differences between carpenter ants and termites. The body shape of a carpenter ant is like an hourglass--it narrows between the abdomen in the rear and the thorax in the front. The body of a termite is more cigar-shaped without the narrowing between the front and back halves of the body. When wings are present, carpenter ants have larger wings in the front and smaller wings in the back, whereas termite "swarmers" have relatively equal-sized wings. Carpenter ant wings are less "veiny" than termite wings. Also, ant wings have a stigma (dark spot) on the leading edge of the front wing, and termite wings do not.
      • Carpenter ant antennae are bent or curved, while termite antennae are relatively straight. Also, termites eat the wood they tunnel through and ants do not.

    • How do you treat termites?
      • There are several methods available to treat Subterranean termites. A chemical treatment is the most common treatment type available for Subterranean termites. The goal of a Subterranean termite chemical treatment is to establish a continuous termiticide barrier between the termite colony (usually in the soil) and wood in a building. This is done by placing termiticide in the soil on both sides of all foundation elements to provide a barrier preventing termites from entering the structure. Technicians trench the soil and inject termiticide beneath it at 16-inch intervals. They also drill into hollow masonry block foundations and inject termiticide into the block voids. This creates a protective barrier around the property.
      • In-ground baiting systems are also becoming a popular method for treatment of Subterranean termites. A subterranean termite baiting system involves placement of cellulose (wood material) bait stations at strategic locations around the perimeter of the home. Worker termites, which constantly forage for wood to feed their colony, locate the cellulose bait stations and leave special scent trails to summon their mates to the food source. The cellulose material in the bait station is then replaced with a chemical inhibitor, retarding the molting process in termites and preventing them from growing. The carrier termites then bring the chemical back to the colony and--if everything goes well--spread the inhibitor throughout the remainder of the colony. Because of the growth inhibitor, the carrier and the rest of the colony will die.

    • Could there be hidden termite damage?
      • Absolutely! One of the main characteristics of termites and termite colonies is their tendency to avoid open air and bright lights, meaning they will stay underground or within wood products. It is almost impossible for an inspector to visually identify or locate an active termite infestation just by looking at the finished surface of a wall or the accompanying trim.

    • What can I do to prevent termite infestation?
      • The current standard method of preventing termite infestation on newly constructed homes is to have a pest control contactor visit the home and spray a liquid termiticide over the entire foundation area prior to the concrete being poured. The building sciences are continually coming up with new methods of infestation prevention. A homeowner could also make post-construction adjustments to the home that are less conducive to an infestation of wood-destroying insects. Common conditions that are conducive to an infestation are: earth to wood contact at support posts; cellulose debris and form boards left in the crawlspace; improper drainage away from the structure; and inadequate ventilation in the crawlspace. Correction of these conditions will greatly reduce the likelihood of an infestation.

    • Why do I have to treat if there are no live termites?
      • If there is evidence of a termite infestation and no evidence of a termite treatment having been done, the inspector must report that the infestation is active, which means in need of treatment, even though no live insects were discovered.

    • Does the termite inspection cover all types of wood-destroying organisms?
      • This depends mostly on state and local code. Most states use the NPCA-1 Wood Destroying Inspect Infestation Inspection Report, which limits its scope to the inspection of termites, carpenter ants, carpenter bees, and re-infesting wood-boring beetles.

    • Is a termite inspection included with the cost of a general home inspection?
      • No, it is not. The initial cost of a general home inspection does not include any other inspections.

    Article published with permission from: U.S. Inspect

    Thursday, March 10, 2011

    The 2009 Homebuyer's Tax Credit has been extended for military families until April 30th, 2011

    This bill's extension for military families, and active-duty servicemembers currently living overseas, is April 30, 2011 -- one year longer than civilian home owners’ extension --  and will also help financially strapped military personnel by making mortgage payments tax deductible.

    The new law extends the first-time homebuyer credit for individuals on "qualified official extended duty" outside the U.S. who made home purchases before May 1, 2011 (or July 1, 2011, for taxpayers with binding contracts).

    Qualified official extended duty is defined as duty outside the U.S. for at least 90 days during the period beginning after Dec. 31, 2008, and ending before May 1, 2010. And, in order for married servicemembers to qualify for this extention, they must have served overseas for at least 90 days in 2009.

    Current home owners will also benefit from the newly signed law. If they have been in their principal residence for five consecutive years home owners will have until April 30, 2010 to buy a new home and receive a $6,500 tax credit.

    Click here for full story

    Five Tax Tips, Tricks and Traps for Homeowners

    Ask a roomful of homeowners what's so great about owning versus renting, and you'll hear them holler in unison: "the tax deductions!" And it's true – homeowners who itemize their taxes are able to deduct 100% of their mortgage interest and property taxes from their income tax returns.

    That means that if you're in a 28% tax bracket, Uncle Sam effectively subsidizes about a third of your borrowing costs or more, making your home more affordable or allowing you to buy a larger home than you could have otherwise. Also, big chunks of your closing costs are tax deductible, and hundreds of thousands of dollars of any profit (or capital gains) that you realize when you sell your home are exempt from income taxes.

    At tax time, it's critical to know what you're entitled to, so you can claim it. So, here are five essential need-to-knows about home-related income tax tips to help you get the most tax-reducing bang out of your home-owning buck – and to avoid hefty home ownership-related tax traps.

    1. You Have to Itemize Your Return to Claim Your Deductions

    During the recent debate on Capitol Hill about whether the mortgage interest deduction should be eliminated (it won't be, not anytime soon), it came out that nearly 40% of homeowners lose out on their major tax advantages every year when they fail to itemize their income taxes. If you own a home and otherwise have a fairly simple return, it might be tempting just to take the standard deduction – and if your mortgage, property taxes and income are low enough, the standard deduction might outweigh your homeowners' deductions. But you'll never know if you're losing out on the tax advantages of itemizing unless you try; before you grab a pen and start filling in that 1040-EZ grab those forms from your mortgage company and answer the questions on tax software like TurboTax, which will automatically do the math on whether itemizing or taking the standard deduction will result in the lowest tax bill – or the highest tax refund – for you.
    2. Plan Ahead and Be Strategic When Taking a Home Office Deduction

    According to the Small Business Administration, the average home office deduction is $3,686 – multiply that by your tax bracket – 15%, 20%, 30% or whatever it is, and that's what you'll save on your taxes by writing off your home office. Know, though, that the space you designate as your home office cannot be exempted from capital gains tax when you sell your home later. The $250,000 (single)/ $500,000 (married filing jointly) income tax exemption for capital gains is only good on your personal residence, after all – not including any space in your home you've claimed as your tax-advantaged office. If you foresee selling your home for much more than you bought it in the future, near or far, discuss this with your tax preparer to see if the few hundred bucks you save is worth the capital gains complication later.

    3. Tax Relief for Loan Modifications, Short Sales and Foreclosures Is Only Around Through 2012

    While the long-term housing outlook is beginning to look up, 2011 is projected to be the peak year for foreclosures during this market cycle. Distressed homeowners who are on the brink of a short sale, loan modification or foreclosure should be aware that normally, any mortgage balance that is wiped out by one of these outcomes is taxed as what the IRS calls Cancellation of Debt Income, or CODI.

    Under the Mortgage Debt Forgiveness Relief Act of 2007, the IRS is currently not charging income taxes on CODI incurred through a loan mod, short sale or foreclosure on most primary residences through 2012. But right now, banks are taking many months, or even years, to work out mortgages in all of these ways; the average foreclosure in New York state right now occurs only after 22 months of missed mortgage payments. If you foresee any of these outcomes in your future, don't put things off. Do what you can to get to closure on your distressed home and loan, ASAP, while you won't have income taxes to add as the insult on top of your significant housing injury.

    4. Project the Income Tax Consequences of a Refinance or Property Tax Appeal

    Homeowners everywhere are working on applying for a lower property tax bill on the basis of the last few years' decline in their home's value. Those who have equity have flocked en masse to refinance their 7% home loans into the 4% to 5% rates of the last few months. These strategies offer some of the heftiest household savings out there for the corresponding investment in time and money they take. But here's a caveat for savvy homeowners who slash these costs: remember that property taxes and mortgage interest, the very costs you're minimizing, are also the basis for the major tax benefits of being a homeowner. So plan ahead for your income tax deductions to go down along with your taxes and interest.

    5. Don't Forget Those Closing Costs
    If you bought or refinanced your home in 2010, you may be so focused on your mortgage interest and property tax deductions that you forget all about your closing costs. Any origination fees or discount points that were paid to your mortgage lender at closing are tax deductible on your 2010 return, get this – even if the seller paid your closing costs. If you can't figure out exactly what you paid, look for your HUD-1 settlement statement, that legal sized paper full of line item credits and debits that you should have received from your escrow provider or title attorney at, or just after, closing. Can't find it? Drop your real estate agent or mortgage broker an email; they can usually get a copy to you quickly.

    Note: This post first appeared on

    Wednesday, March 9, 2011

    Virginia Real Estate: Latest Available Median Sales Statistics for Norfolk, Chesapeake, Virginia Beach, Suffolk, Portsmouth, Hampton and Newport News

    Virginia Real Estate: Latest Available Median Sales Statistics for Norfolk, Chesapeake, Virginia Beach, Suffolk, Portsmouth, Hampton and Newport News

    Latest Available Median Sales Statistics for Norfolk, Chesapeake, Virginia Beach, Suffolk, Portsmouth, Hampton and Newport News

    Sales Statistics
    for NORFOLK CITY County VA
    Realist's most recent recording date for this county is 02/18/2011
     Single Family Residence
     Time PeriodNumber of SalesMedian Sale Price 
     Jan 2011122$152,450 
     Jan 2010112$151,950 
     Dec 2010136$163,000 
     Dec 2009178$180,500 
     2011 YTD171$147,000 
     Time PeriodNumber of SalesMedian Sale Price 
     Jan 201115$189,900 
     Jan 201018$192,450 
     Dec 201015$204,000 
     Dec 200938$212,250 
     2011 YTD28$170,800 

    Sales Statistics
    Realist's most recent sale date for this county is 01/24/2011
     Single Family Residence
     Time PeriodNumber of SalesMedian Sale Price 
     Dec 2010176$259,950 
     Dec 2009237$255,000 
     Nov 2010176$230,150 
     Nov 2009243$228,000 
     2010 YTD2,486$249,900 
     Time PeriodNumber of SalesMedian Sale Price 
     Dec 201041$179,900 
     Dec 200933$222,000 
     Nov 201034$208,450 
     Nov 200955$225,500 
     2010 YTD416$204,900 

    Sales Statistics
    Realist's most recent recording date for this county is 01/13/2011
     Single Family Residence
     Time PeriodNumber of SalesMedian Sale Price 
     Nov 2010288$235,000 
     Nov 2009375$212,000 
     Oct 2010238$215,750 
     Oct 2009392$221,000 
     2010 YTD2,499$225,000 
     Time PeriodNumber of SalesMedian Sale Price 
     Nov 201073$225,000 
     Nov 2009124$244,400 
     Oct 201066$237,500 
     Oct 2009100$232,450 
     2010 YTD596$234,900 

    Sales Statistics
    for SUFFOLK CITY County VA
    Realist's most recent recording date for this county is 02/25/2011
     Single Family Residence
     Time PeriodNumber of SalesMedian Sale Price 
     Jan 201163$214,000 
     Jan 201062$260,383 
     Dec 201069$220,700 
     Dec 2009100$267,939 
     2011 YTD99$201,209 
     Time PeriodNumber of SalesMedian Sale Price 
     Jan 20115$212,925 
     Jan 20103$215,000 
     Dec 20106$215,000 
     Dec 20097$203,380 
     2011 YTD7$207,000 

    Sales Statistics
    Realist's most recent recording date for this county is 03/01/2011
     Single Family Residence
     Time PeriodNumber of SalesMedian Sale Price 
     Jan 201176$124,000 
     Jan 201043$143,940 
     Dec 201050$135,250 
     Dec 2009103$155,000 
     2011 YTD107$120,000 
     Time PeriodNumber of SalesMedian Sale Price 
     Jan 20117$100,000 
     Jan 201011$175,000 
     Dec 20105$205,000 
     Dec 20097$145,500 
     2011 YTD8$115,000 

    Sales Statistics
    for HAMPTON CITY County VA
    Realist's most recent recording date for this county is 01/13/2011
     Single Family Residence
     Time PeriodNumber of SalesMedian Sale Price 
     Nov 201092$158,450 
     Nov 2009163$162,000 
     Oct 201077$158,000 
     Oct 2009136$182,500 
     2010 YTD1,218$161,750 
     Time PeriodNumber of SalesMedian Sale Price 
     Nov 20108$223,000 
     Nov 200911$143,000 
     Oct 201010$182,450 
     Oct 200910$244,250 
     2010 YTD101$182,900 

    Sales Statistics
    Realist's most recent recording date for this county is 01/19/2011
     Single Family Residence
     Time PeriodNumber of SalesMedian Sale Price 
     Dec 2010117$165,000 
     Dec 2009116$189,900 
     Nov 201087$182,000 
     Nov 2009157$195,000 
     2010 YTD1,358$182,500 
     Time PeriodNumber of SalesMedian Sale Price 
     Dec 20109$150,275 
     Dec 200913$124,900 
     Nov 201013$139,000 
     Nov 200922$138,750 
     2010 YTD206$146,000 

    Tuesday, March 8, 2011

    Service from VDOT-Traffic cameras, road condtions, receive free mobile alerts and lots more!

    511 Hampton Roads

    This website — give you all the tools you need to take control of your travels throughout Virginia like never before! To get started, sign up for a personalized My 511 Control Room today — it'll let you see live traffic cameras, receive free mobile alerts and lots more!

    Major Road Construction Projects in Virginia

    Major Road Construction Projects
    Stay current with construction projects under way throughout the commonwealth.

    Agency warns banks of foreclosure protection for military personnel

    Agency warns banks of foreclosure protection for military personnel

    VB hotel makes 10 dirtiest list | | Virginia Beach, Va.

    VB hotel makes 10 dirtiest list Virginia Beach, Va.

    Monday, March 7, 2011

    Thinking about relocating? Virginia Beach, Norfolk, Portsmouth, Chesapeake, Suffolk

    Thinking about relocating?
    Virginia Beach is an independent city located in the Hampton Roads metropolitan area of Virginia, on the Atlantic Ocean at the mouth of the Chesapeake Bay. Although Fairfax County is the most populous jurisdiction, Virginia Beach is the most populous city in Virginia and the 41st largest city in the United States, with a population of 437,994 according to the 2010 Census.

    Virginia Beach is the easternmost city of Hampton Roads that make up the core of the Virginia Beach-Norfolk-Newport News, VA-NC MSA. This area, known as "America's First Region", also includes the independent cities of Chesapeake, Hampton, Newport News, Norfolk, Portsmouth, and Suffolk, as well as other smaller cities, counties and towns of Hampton Roads.

    Virginia Beach is a resort city with miles of beaches and hundreds of hotels, motels, and restaurants along its oceanfront. Every year the city hosts the East Coast Surfing Championships as well as the North American Sand Soccer Championship, a beach soccer tournament. It is also home to several state parks, several long-protected beach areas, three military bases, a number of large corporations, two universities, Edgar Cayce's A.R.E. and numerous historic sites. Near the point where the Chesapeake Bay and the Atlantic Ocean meet, Cape Henry was the site of the first landing of the English colonists, who eventually settled in Jamestown, on April 26, 1607.

    The city is listed in the Guinness Book of Records as having the longest pleasure beach in the world. It is located at the southern end of the Chesapeake Bay Bridge-Tunnel, the longest bridge-tunnel complex in the world.

    Teresa Lancaster
    Realty Executives
    Direct 757.478.0009

    Saturday, March 5, 2011

    U.S. Military bases

    This list of U.S. Military bases provides general information about bases in the Continental U.S. and many other territories.

    A military base is a facility, settlement, reservation, or installation that shelters military equipment and personnel.  A military base may also contain large concentrations of military supplies in order to support military logistics. These are restricted to the general public, and only authorized personnel may enter them (be it military personnel or their relatives). Military bases usually provide housing, cleanliness facilities, and dining halls; as well as churches, gyms, and other type of recreational facilities (such as sport courts, schools, parks, etc).

    In general, a military base provides accommodations for a unit, but it may also be used as a command center, a training ground, or a test ground. In most cases, a military base relies on outside help in order to survive. However, certain complex bases are able to endure by themselves for long periods as they are able to provide food and water for their inhabitants.
    Military bases are often important to the local economy, providing jobs and inflows of cash.

    ---- ARMY BASES ----
    Carlisle Barracks - Pennsylvania
    Fort A.P. Hill, VA
    Fort Belvoir, VA
    Fort Benning, GA
    Fort Bliss, El Paso, TX
    Fort Bragg, NC
    Fort Campbell, KY
    Fort Carson, CO
    Fort Detrick - Frederick, MD
    Fort Dix, NJ
    Fort Drum, NY
    Fort Eustis Newport News, VA
    Fort Gillem - Forest Park, GA
    Fort Gordon, GA
    Fort Hamilton - Brooklyn, NY
    Fort Hood, TX 
    Ft. Huachuca - Sierra Vista, AZ
    Fort Irwin, CA
    Fort Jackson - Columbia, SC
    Fort Knox, KY
    Fort Leavenworth, KS
    Fort Lee, VA
    Fort Leonard Wood, MO
    Fort Lewis, WA 
    Fort McCoy, WI
    Fort McNair - Washington, D.C.
    Fort McPherson - Atlanta, GA
    Fort Meade, MD
    Fort Monmouth, NJ
    Fort Monroe, VA
    Fort Myer - Arlington, VA
    Fort Polk, LA
    Fort Richardson - Anchorage, AK
    Fort Riley, KS
    Fort Riley, KS
    Fort Rucker, AL
    Fort Sam Houston San Antonio, TX
    Fort Shafter Honolulu, HI
    Fort Sill, OK
    Fort Stewart, GA & Hunter Army Airfield
    Fort Story, VA
    Fort Wainwright, AK
    Presidio of Monterey, CA
    Schofield Barracks Honolulu, HI Tripler Army Medical Center - Honolulu, HI
    Walter Reed Army Medical Center - Washington, D.C.
    West Point Military Academy
    White Sands Missile Range - New Mexico
    Yuma Proving Ground - Arizona

    ---- NAVY BASES ----Annapolis NS - Maryland
    Atlanta NAS - Marietta, GA
    Bangor - Naval Base Kitsap - Silverdale, WA
    Naval Hospital - Beaufort, SC
    Bethesda Naval Medical CenterBremerton -Naval Base Kitsap - Bremerton, WA
    Naval Hospital - Bremerton, WA
    Naval Air Station - Brunswick, ME
    Naval Hospital - Charleston, SC
    Naval Weapons Station - Charleston, SC
    China Lake Naval Air Weapons Station - China Lake, CA
    Coronado Naval Amphibious Base/Naval Air Station N. Island
    Corry Station Naval Technical Training Center - Pensacola, FL
    Naval Surface Warfare Center - Dahlgren, VA
    Dam Neck Fleet Combat Training Center Atlantic - Virginia Beach, VA
    Earle Naval Weapons Station - Colts Neck, NJ
    Everett Naval Station - Everett, WA
    Naval Air Station - Fallon, NV
    Fleet Training Center - San Diego, CA
    Great Lakes Naval Training Center
    Naval CBC - Gulfport, MS
    Naval Surface Warfare Center - Indian Head, MD
    Naval Station - Ingleside, TX
    Jacksonville Naval Air Station
    Naval Air Station - Key West, FL
    Kings Bay Naval Submarine Base
    Naval Air Station - Kingsville, TX
    Naval Air Station - Lemoore, CA
    Little Creek Naval Amphibious Base
    Mayport Naval Station
    Naval Air Station - Meridian, MS
    NAS Joint Reserve Base - Fort Worth, TX
    NAS Oceana
    Naval Base Point Loma - San Diego, CA
    Naval Engineering Station - Lakehurst, NJ
    Naval Postgraduate School - Monterey, CA
    NCTAMS Pacific - Wahiawa, HI
    New London Naval Submarine Base
    New Orleans NAS Joint Reserve Base - Belle Chasse, LA
    New Orleans NSA - Louisiana
    Naval Station - Newport, RI
    Norfolk Naval Station
    Norfolk Naval Shipyard - Portsmouth, VA
    Naval Support Activity Mid-South - Millington, TN
    Naval Support Activity Norfolk, Northwest Annex
    Coastal Systems Station - Panama City, FL
    Pascagoula Naval Station - Mississippi
    Patuxent River NAS - Chesapeake Bay, MD
    Pearl Harbor Naval Complex
    Naval Hospital - Pensacola, FL
    Pensacola Naval Air Station
    Naval Medical Center - Portsmouth, VA
    San Diego Naval Station
    Naval Medical Center - San Diego, CA
    Naval Support Unit - Saratoga Springs, NY
    U.S. Naval Academy - Annapolis, MD
    Ventura County Naval Base
    Washington Navy Yard
    Whidbey Island NAS
    Whiting Field NAS - Milton, FL
    NAS Joint Reserve Base - Willow Grove, PA
    Naval Weapons Station - Yorktown, VA

    ---- MARINES BASES ----Marine Corps air Ground Combat Center - Twentynine Palms, CA
    Beaufort Marine Corps Air Station - South Carolina
    Camp Lejeune - Jacksonville, NC
    Camp Pendleton, CA
    Cherry Point MCAS - North Carolina
    Henderson Hall - Arlington, VA
    Marine Barracks - Washington, D.C.
    Marine Corps Base - Quantico, VA
    Marine Corps Air Station Miramar - San Diego, CA
    Marine Corps Air Station - Yuma, AZ
    Marine Corps Base Hawaii - Kaneohe Bay, HI
    Albany MC Logistics Base
    San Diego MC Recruit Depot
    New River MCAS - Jacksonville, NC
    Parris Island MC Recruit Depot - South Carolina
    San Diego MC Recruit Depot

    ---- COAST GUARD BASES ----U.S. Coast Guard Academy - New London, CT
    USCG Integrated Support Command - Alameda, CA
    Coast Guard Air Station - Cape Cod, MA
    USCG Training Center - Cape May, NJ
    Coast Guard Air Station - Clearwater, FL
    Coast Guard Support Center - Elizabeth City, NC
    USCG Hampton Roads
    Coast Guard Headquarters - Washington, D.C.
    USCG Integrated Support Command - Honolulu, HI
    USCG Integrated Support Command - Kodiak, AK
    USCG Integrated Support Command - Miami, FL
    USCG Aviation Training Center - Mobile, AL
    USCG Training Center - Petaluma, CA
    USCG Training Center - Yorktown, VA

    ---- AIR FORCE BASES ----U.S. Air Force Academy - Colorado Springs, CO
    Altus Air Force Base - Oklahoma
    Andrews Air Force Base - Camp Springs, MD
    Barksdale AFB - Bossier City, LA
    Beale Air Force Base - California
    Bolling AFB - Washington, D.C.
    Brooks City-Base - San Antonio, TX
    Buckley AFB - Colorado
    Cannon Air Force Base - Clovis, NM
    Charleston Air Force Base - South Carolina
    Cheyenne Mountain Air Station - Colorado
    Columbus Air Force Base - Mississippi
    Davis-Monthan AFB - Tucson, AZ
    Dover Air Force Base - Delaware
    Dyess Air Force Base - Abilene, TX
    Edwards Air Force Base - California
    Eglin AFB - Fort Walton Beach, FL
    Eielson Air Force Base - Alaska
    Ellsworth Air Force Base - Rapid City, SD
    Elmendorf AFB - Anchorage, AK
    Fairchild Air Force Base - Spokane, WA
    F.E. Warren Air Force Base - Cheyenne, WY
    Goodfellow Air Force Base - San Angelo, TX
    Grand Forks AFB - North Dakota
    Hanscom Air Force Base - Bedford, MA
    Hickam Air Force Base - Hawaii
    Tyndall Air Force Base - Florida
    Hill Air Force Base - Ogden, UT
    Holloman Air Force Base - New Mexico
    Hurlburt Field - Fort Walton Beach, FL
    Keesler AFB - Biloxi, MS
    Kirtland Air Force Base - Albuquerque, NM
    Lackland AFB - San Antonio, TX
    Langley AFB - Hampton, VA
    Laughlin Air Force Base - Del Rio, TX
    Little Rock AFB - Arkansas
    Los Angeles Air Force Base
    Luke AFB - Glendale, AZ
    MacDILL AFB - Tampa, FL
    Malmstrom Air Force Base - Great Falls, MT
    March Air Reserve Base - Riverside, CA
    Maxwell AFB - Montgomery, AL
    McChord Air Force Base - Tacoma, WA
    McConnell Air Force Base - Wichita, KS
    McGuire AFB - New Jersey
    Minot Air Force Base - North Dakota
    Moody Air Force Base - Georgia
    Mountain Home AFB - Idaho
    Nellis AFB - Las Vegas, NV
    Offutt AFB - Bellevue, NE
    Patrick AFB - Cocoa Beach, FL
    Peterson Air Force Base - Colorado
    Pope Air Force Base - Fayetteville, NC
    Randolph AFB - Universal City, TX
    Redstone Arsenal - Huntsville, AL
    Robins AFB - Warner Robins, GA
    Schriever Air Force Base - Colorado
    Scott AFB - St. Louis
    Selfridge Air National Guard Base - Mount Clemens, MI
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    Virginia Real Estate: Va. Beach assessments dip 3 percent; search for yours

    Virginia Real Estate: Va. Beach assessments dip 3 percent; search for yours

    Va. Beach assessments dip 3 percent; search for yours

    Home values, weakened by a deluge of foreclosure sales, dipped 3.3 percent, marking a third straight year of decline and punching a hole in the city budget.

    The drop means many people will see lower tax bills if the City Council does not change the tax rate. However, many tax bills could be virtually unchanged: Average assessments in one-third of the city's more than 980 neighborhoods stayed flat.

    Foreclosures have dogged the region's housing market. Of the 5,700 Beach home sales last year, 1,112 were foreclosure sales - about one in five.

    City Assessor Jerry Banagan, who presented his annual report to the City Council on Tuesday, said he was optimistic about homes holding their value.

    "The area has fared fairly well," he said. "I think maybe the worst is over, but foreclosures are alive and well."
    Falling assessments mean the city could collect $12.3 million less in revenue compared with last year if the standard tax rate, currently 89 cents per $100 of assessed value, stays the same. That's about half the $24 million shortfall city officials say they're facing as they work on the budget for the fiscal year starting in July.
    City Manager Jim Spore said the city has been able to absorb revenue losses from falling assessments without reducing major services for two years in a row, but that a third year might be tough.

    "The cost of services is not going down," he said. "One or two years, you can get by, but you can't do it indefinitely."
    Spore recommended a 3 -cent real estate tax rate increase last year, but the City Council rejected it. He presents his budget to the council next month.

    The continued slide is in marked contrast to fiscal years 2005- 0 8, which saw double-digit assessment increases in the Beach that topped out at 22 percent in 2006. Last year, city property values fell 6.2 percent.
    This year, some home values fell as much 37 percent, while some increased by as much as 9.7 percent.
    If the owner of a $250,000 home saw a 3.3 percent assessment decrease, it would shave roughly $73 off the yearly tax bill, to about $2,152.

    Property values in the Lynnhaven district fell 4.7 percent, the largest decrease of the city's seven political subdivisions. Commercial and industrial property rose in value by an average of 0.92 percent.
    The overall decrease for properties was 2.9 percent.

    About 63 percent of all properties will see assessments decrease, 31 percent will stay the same and 6 percent will see an increase, Banagan's report said.

    Assessment notices for the fiscal year starting in July will be mailed Friday.

    Property values for the city were pegged at nearly $50.5 billion. That would generate $449.5 million in city real estate taxes if the tax rate is left unchanged. Last year, the city brought in $461.8 million in real estate taxes.

    Virginia Real Estate: Feedback, News and info.

    Virginia Real Estate: Feedback, News and info.

    Feedback, News and info.

    Friday, March 4, 2011








    Loans & Grants |

    Loans & Grants

    SBA offers information on small business loans, grants, bonds and other financial assistance. Find out which method of financing is right for you!Learn More about Small Business Loans, Grants, Bonds & Other Financial Assistance

    While SBA does not make loans directly, you can find a local lender who can help you with your loan application. You may also speak directly with a local SBA representative by calling 804-771-2400.

    Let’s face it: part of starting your own business involves figuring out your financials. SBA has developed a number of financial programs for small businesses, all of which will be explained in this section.

    SBA's Role
    SBA Loan Programs
    Disaster Loans
    The Application Process
    Find Small Business Loans

    Buying vs. Renting Calculator

    Buying vs. Renting

    Use the calculator to compare the advantages and considerations of owning vs. renting a home. See how much you could be saving!

    Maybe you can't afford to do it now, call me for a FREE consultation apt!

    We can sit down one on one to devise a 1 or 2 year plan that will put to put you back into owning your dream home.

    Homes are becoming more affordable, check out these HUD homes:
    Search HUD homes
    Mobile blog up and running. Nice!

    Resources for Homeless Persons

    Resources for Homeless Persons

     Information by State
     Print version

    Local homeless assistance agencies provide a range of services, including shelter, food, housing counseling, and job skills programs. Start by contacting one in your area!


    For information about housing, you can start by contacting a homeless assistance or a housing counseling agency in your area.


    If you are looking for information on where you can receive assistance with food, you can learn more about food stamps and look at our food bank locator.

    Health Care

    Several organizations and agencies provide information on health care, substance abuse, and mental health programs for homeless individuals and families.
    For more information regarding these issues, see:

    Homeless Veterans

    If you are a homeless veteran, visit HUDVet, the Veterans Administration page for homeless veterans, and National Coalition for Homeless Veterans to find out more about benefits and help that might be specifically available to you.

    Tips for Preventing Foreclosure

    Tips for Preventing Foreclosure

    If you are worried about making your mortgage payment a couple of weeks later than usual, you should immediately let your loan servicer know. Make sure the servicer has documented the anticipated date you will be making the payment.

    If you are unable to make your mortgage payment:

    1. Don't ignore the problem.
    The further behind you become, the harder it will be to bring your loan current and the more likely that you will lose your house.

    2. Contact a Certified Housing Counselor.
    Housing Counselors can help you understand the law and your options, organize your finances and represent you in negotiations with your lender, if you need this assistance. To find a Housing Counselor in your area, click on Housing Counselor Search.

    3. Open and respond to all mail from your lender.
    The first notice you receive will offer good information about foreclosure prevention/loss mitigation options that can help you have a positive outcome. Later mail may include important notice of pending legal action. Your failure to open the mail will not be an excuse later in the foreclosure process. Keep every piece of mail sent to you, so you can get it to your housing counselor.

    4. Know your mortgage rights.
    Find your loan documents and read them to try to get some idea as to what will happen if you are unable to make your house payments. You should consider contacting a Certified Housing Counselor, because you may have several options. Do not be afraid to ask what each mortgage loan document means. Your housing counselor will be able to explain what is in the loan documents, as well as explain Virginia's foreclosure laws and timeframes. Be sure to take these loan documents with you when you see your housing counselor. Make certain you understand everything explained to you.

    5. Understand foreclosure prevention options.
    Your Certified Housing Counselor has valuable information about foreclosure prevention (also called loss mitigation) options. Be sure you understand these options when they are explained to you by your Housing Counselor. If you do not understand it the first time, do not be afraid to ask to have it explained again. Many of the concepts are complex and difficult to understand.

    6. Prioritize your spending.
    After healthcare, keeping your house should be your first priority. Review your finances and see where you can cut spending in order to make your mortgage payment. Look for optional expenses--cable TV, memberships, entertainment--that you can eliminate. Delay payments on credit cards and other "unsecured" debt until you have paid your mortgage. Your Certified Housing Counselor will help you put together a spending plan. Initially, it will be a "crisis spending plan". Once you are able to get some cash together to start paying back your delinquent payments, you and your housing counselor will work together to development a more stable spending plan.

    7. Use your assets.
    Do you have a second car, jewelry, whole life insurance policy or other assets-that you can sell for cash that can be used to help reinstate your loan? Can anyone in your household get an extra job to bring in additional income? Even if these efforts don't significantly increase your available cash or your income, they demonstrate you are willing to make sacrifices to keep your home. Your housing counselor will give you more tips on how to tighten your spending.

    8. Avoid foreclosure prevention companies.
    You don't need to pay fees for foreclosure prevention help. Instead,-use that money to pay your mortgage. Many for-profit companies will contact you, promising to negotiate with your lender. While these may be legitimate businesses, they will charge you a hefty fee (often two or three month's mortgage payment) for information and services provided free by your Certified Housing Counselor.

    9. Don't lose your house to foreclosure recovery scams!
    If any firm claims they can stop your foreclosure immediately if you sign a document appointing them to act on your behalf, don't do it. You may well be signing over the title to your property and becoming a renter in your own home! Never sign a legal document without reading and understanding all the terms. If there is any doubt at all, get assistance from a Certified Housing Counselor.

    10. Don't ignore the problem.
    The longer you wait to get help, the harder it will be for a Certified housing counselor to assist you. Losing your home may be the price you pay for thinking something will come along to fix everything. Action is what will make that happen.

    For more resources and information: