Part II: The Five Factors of Credit Scoring
There are five factors that comprise the credit score. They are listed below in order of importance, just as an underwriter would look at the score:
· Payment History: 35% impact. Paying debt on time and in full has a positive impact. Late payments, judgments and charge-offs have a negative impact. Missing a high payment has a more severe impact than missing a low payment. Delinquencies that have occurred in the last two years carry more weight than older items.
· Outstanding Credit Balances: 30% impact. This factor marks the ratio between the outstanding balance and available credit. Ideally, the consumer should make an effort to keep balances as close to zero as possible, and definitely below 30% of the available credit limit when trying to purchase a home.
· Credit History: 15% impact. This marks the length of time since a particular credit line was established. A seasoned borrower is stronger in this area.
· Type of Credit: 10% impact. A mix of auto loans, credit cards, and mortgages is more positive than a concentration of debt from credit cards only.
· Inquiries: 10% impact. This quantifies the number of inquiries that have been made on a consumer's credit history within a six-month period. Each hard inquiry can cost from 2 to 50 points on a credit score, but the maximum number of inquiries that will reduce the score is 10. In other words, 11 or more inquiries in a six-month period will have no further impact on the borrower's credit score.
Remember, a computer that's not taking any personal factors into consideration calculates these scores. When a credit report is generated, it is simply today's snapshot of the borrower's credit profile. This can fluctuate dramatically within the course of a week, depending on the individual's own activities. The borrower should be made aware of this when they enter into the loan process, and know that it's not in their best interest to go out on a shopping spree. They need to make sure they are not creating a negative impact on the score while the lender is reviewing their file.
Secondly, it is often beneficial to compile a tri-merge credit report. This provides scores from the three credit bureaus, Experian®, TransUnion®, and Equifax. The lender should be provided with this rounded profile because these three scoring systems can vary in their results. The lender is going to look at the middle score and throw out the other two. In many cases, this works to the borrower's advantage.
Stay tuned for Credit Scoring, Part III: Dealing with Challenges
written by Leonard Winslow, a Mortgage Loan Officer, of Gateway Bank Mortgage, INC. for The Avery Group Real Estate Blog
Showing posts with label Party. Show all posts
Showing posts with label Party. Show all posts
Friday, September 26, 2008
Credit Scoring Part II
Part II: The Five Factors of Credit Scoring
There are five factors that comprise the credit score. They are listed below in order of importance, just as an underwriter would look at the score:
· Payment History: 35% impact. Paying debt on time and in full has a positive impact. Late payments, judgments and charge-offs have a negative impact. Missing a high payment has a more severe impact than missing a low payment. Delinquencies that have occurred in the last two years carry more weight than older items.
· Outstanding Credit Balances: 30% impact. This factor marks the ratio between the outstanding balance and available credit. Ideally, the consumer should make an effort to keep balances as close to zero as possible, and definitely below 30% of the available credit limit when trying to purchase a home.
· Credit History: 15% impact. This marks the length of time since a particular credit line was established. A seasoned borrower is stronger in this area.
· Type of Credit: 10% impact. A mix of auto loans, credit cards, and mortgages is more positive than a concentration of debt from credit cards only.
· Inquiries: 10% impact. This quantifies the number of inquiries that have been made on a consumer's credit history within a six-month period. Each hard inquiry can cost from 2 to 50 points on a credit score, but the maximum number of inquiries that will reduce the score is 10. In other words, 11 or more inquiries in a six-month period will have no further impact on the borrower's credit score.
Remember, a computer that's not taking any personal factors into consideration calculates these scores. When a credit report is generated, it is simply today's snapshot of the borrower's credit profile. This can fluctuate dramatically within the course of a week, depending on the individual's own activities. The borrower should be made aware of this when they enter into the loan process, and know that it's not in their best interest to go out on a shopping spree. They need to make sure they are not creating a negative impact on the score while the lender is reviewing their file.
Secondly, it is often beneficial to compile a tri-merge credit report. This provides scores from the three credit bureaus, Experian®, TransUnion®, and Equifax. The lender should be provided with this rounded profile because these three scoring systems can vary in their results. The lender is going to look at the middle score and throw out the other two. In many cases, this works to the borrower's advantage.
Stay tuned for Credit Scoring, Part III: Dealing with Challenges
written by Leonard Winslow, a Mortgage Loan Officer, of Gateway Bank Mortgage, INC. for The Avery Group Real Estate Blog
There are five factors that comprise the credit score. They are listed below in order of importance, just as an underwriter would look at the score:
· Payment History: 35% impact. Paying debt on time and in full has a positive impact. Late payments, judgments and charge-offs have a negative impact. Missing a high payment has a more severe impact than missing a low payment. Delinquencies that have occurred in the last two years carry more weight than older items.
· Outstanding Credit Balances: 30% impact. This factor marks the ratio between the outstanding balance and available credit. Ideally, the consumer should make an effort to keep balances as close to zero as possible, and definitely below 30% of the available credit limit when trying to purchase a home.
· Credit History: 15% impact. This marks the length of time since a particular credit line was established. A seasoned borrower is stronger in this area.
· Type of Credit: 10% impact. A mix of auto loans, credit cards, and mortgages is more positive than a concentration of debt from credit cards only.
· Inquiries: 10% impact. This quantifies the number of inquiries that have been made on a consumer's credit history within a six-month period. Each hard inquiry can cost from 2 to 50 points on a credit score, but the maximum number of inquiries that will reduce the score is 10. In other words, 11 or more inquiries in a six-month period will have no further impact on the borrower's credit score.
Remember, a computer that's not taking any personal factors into consideration calculates these scores. When a credit report is generated, it is simply today's snapshot of the borrower's credit profile. This can fluctuate dramatically within the course of a week, depending on the individual's own activities. The borrower should be made aware of this when they enter into the loan process, and know that it's not in their best interest to go out on a shopping spree. They need to make sure they are not creating a negative impact on the score while the lender is reviewing their file.
Secondly, it is often beneficial to compile a tri-merge credit report. This provides scores from the three credit bureaus, Experian®, TransUnion®, and Equifax. The lender should be provided with this rounded profile because these three scoring systems can vary in their results. The lender is going to look at the middle score and throw out the other two. In many cases, this works to the borrower's advantage.
Stay tuned for Credit Scoring, Part III: Dealing with Challenges
written by Leonard Winslow, a Mortgage Loan Officer, of Gateway Bank Mortgage, INC. for The Avery Group Real Estate Blog
Thursday, March 6, 2008
Huge Changes May be Coming for Lenders and Appraisers
This article is relevant information to the Charlottesville Area and Real Estate in general. There have been quite a few past clients where appraisals came in higher than expected and we had conversations about this exact scenario.
Bloomberg News reported on Wednesday that Fannie Mae is proposing to ban the use of appraisals by a lender's employees or those arranged by mortgage brokers.
The proposal was contained in what Bloomberg referred to as a "talking points" memo distributed to lenders this week and was in response to an investigation of the mortgage industry by New York Attorney General Andrew Cuomo. In November the AG filed suit against First American, parent company of one of the country's largest appraisal management companies, charging them with folding under pressure from Washington Mutual, a major client, to use only those appraisers that provided property values acceptable to WaMu.
WaMu was not included in the original suit but Cuomo demanded that Freddie Mac and Fannie Mae each appoint an Independent Examiner to review mortgages and the underlying appraisals that the two GSEs have purchased with particular emphasis on those purchased from WaMu.According to the Bloomberg article, the memo was part of an on-going effort by Fannie Mae to cooperate in the Cuomo probe.
The proposed change would mean that Fannie Mae would no longer authorize its lending partners to use appraisers employed by a wholly owned subsidiary and, while we have not seen the memo, apparently it contains reference to the eventual establishment of an appraisal clearinghouse which we assume would assign appraisers to a project.
Bloomberg quotes Jonathan Miller of a New York appraisal company Miller Samuel, Inc. as saying that about three quarters of residential mortgage appraisals are arranged through brokers who only get paid if a loan closes. Miller called the practice "laughable" because it creates a financial incentive for mortgage brokers to push appraisers toward higher valuations. Higher appraisals also mean more homeowners qualify to refinance their homes and take cash out, he said.
The appraisers themselves have long urged that appraisers be required to keep arms-length from the lenders. Many complain that honest appraisers who refuse to match the values that the lenders want soon find them selves without work and that they are frequently pressured by the loan officers who assigned them to a project to raise their values.
The proposed restrictions would apply to loans acquired after Sept. 1, according to the memo.
Huge Changes May be Coming for Lenders and Appraisers
This article is relevant information to the Charlottesville Area and Real Estate in general. There have been quite a few past clients where appraisals came in higher than expected and we had conversations about this exact scenario.
Bloomberg News reported on Wednesday that Fannie Mae is proposing to ban the use of appraisals by a lender's employees or those arranged by mortgage brokers.
The proposal was contained in what Bloomberg referred to as a "talking points" memo distributed to lenders this week and was in response to an investigation of the mortgage industry by New York Attorney General Andrew Cuomo. In November the AG filed suit against First American, parent company of one of the country's largest appraisal management companies, charging them with folding under pressure from Washington Mutual, a major client, to use only those appraisers that provided property values acceptable to WaMu.
WaMu was not included in the original suit but Cuomo demanded that Freddie Mac and Fannie Mae each appoint an Independent Examiner to review mortgages and the underlying appraisals that the two GSEs have purchased with particular emphasis on those purchased from WaMu.According to the Bloomberg article, the memo was part of an on-going effort by Fannie Mae to cooperate in the Cuomo probe.
The proposed change would mean that Fannie Mae would no longer authorize its lending partners to use appraisers employed by a wholly owned subsidiary and, while we have not seen the memo, apparently it contains reference to the eventual establishment of an appraisal clearinghouse which we assume would assign appraisers to a project.
Bloomberg quotes Jonathan Miller of a New York appraisal company Miller Samuel, Inc. as saying that about three quarters of residential mortgage appraisals are arranged through brokers who only get paid if a loan closes. Miller called the practice "laughable" because it creates a financial incentive for mortgage brokers to push appraisers toward higher valuations. Higher appraisals also mean more homeowners qualify to refinance their homes and take cash out, he said.
The appraisers themselves have long urged that appraisers be required to keep arms-length from the lenders. Many complain that honest appraisers who refuse to match the values that the lenders want soon find them selves without work and that they are frequently pressured by the loan officers who assigned them to a project to raise their values.
The proposed restrictions would apply to loans acquired after Sept. 1, according to the memo.
Friday, September 28, 2007
Important Buyer Information
Still searching for the right listing? If you are unable to find your ‘perfect’ home, don’t hesitate to contact us! Let us know if you require any assistance or information on any of the listings sent via our site. Our goal is to make your purchasing decision as smooth and stress free as possible.
Are you undecided on the right home for you? Before purchasing a home, you need to determine whether the home you have decided on is the right home for you. We are here to assist you with this decision, however there are a few items to consider beforehand:
How Long are you Planning on Living in the Home? In order to cover your selling costs and recover the cost of your home, you should plan on staying in your new home for an average of 3 to 4 years. Depending on economic factors, this time can either be lengthened or shortened.
How Long will the Home Meet Your Needs? Make sure that your home will meet your space requirements both now and in the future, depending on how long you plan to live there. Can the den be converted to a bedroom? Will the spare room be appropriate for a dining room? Renovating your home may accommodate your expanding or shrinking family.
Is the House the Right Price? Determine whether the home is a good fit for your financial situation. Many financial institutions will pre-qualify you for a mortgage even before you begin your home search. This will help to determine what price range you can afford. In addition, try the Mortgage Calculator available on our website to help you determine the right price.
What is the Physical Condition of the House?Always keep in mind that your house will require repairs. If these costs are of concern, make sure to choose a home that will reflect your renovation budget. As well, home inspections are very important in order to help reduce such unexpected costs.
Are you thinking about that perfect house and wondering what it will take to make it your own? When you decide that it is time to start the negotiation process there are a few key rules to keep in mind:
- Be assertive and aggressive. Question what you are told. If you do not agree with what is being said, speak up. This is an important decision and involves a great financial responsibility on your part. Make sure you are getting what you need.- Be patient and give the appearance that you would be willing to walk away. Be prepared for this process to take some time. Do not show your desperation, no matter how much you love the property.- Become a good and prepared listener. Make sure you know the property before entering the negotiations. Listening to what is being said is much more effective if you have prepared yourself prior to entering the negotiations.
The negotiations can be a time consuming and sometimes frustrating process. Remember to take the time to think rationally. Time is on your side and chances are the seller is just as eager to sell as you are to buy.
Please do not hesitate to contact us or visit our websites!!
http://robsellscharlottesville.com/
http://www.theaverygroup.com/
Are you undecided on the right home for you? Before purchasing a home, you need to determine whether the home you have decided on is the right home for you. We are here to assist you with this decision, however there are a few items to consider beforehand:
How Long are you Planning on Living in the Home? In order to cover your selling costs and recover the cost of your home, you should plan on staying in your new home for an average of 3 to 4 years. Depending on economic factors, this time can either be lengthened or shortened.
How Long will the Home Meet Your Needs? Make sure that your home will meet your space requirements both now and in the future, depending on how long you plan to live there. Can the den be converted to a bedroom? Will the spare room be appropriate for a dining room? Renovating your home may accommodate your expanding or shrinking family.
Is the House the Right Price? Determine whether the home is a good fit for your financial situation. Many financial institutions will pre-qualify you for a mortgage even before you begin your home search. This will help to determine what price range you can afford. In addition, try the Mortgage Calculator available on our website to help you determine the right price.
What is the Physical Condition of the House?Always keep in mind that your house will require repairs. If these costs are of concern, make sure to choose a home that will reflect your renovation budget. As well, home inspections are very important in order to help reduce such unexpected costs.
Are you thinking about that perfect house and wondering what it will take to make it your own? When you decide that it is time to start the negotiation process there are a few key rules to keep in mind:
- Be assertive and aggressive. Question what you are told. If you do not agree with what is being said, speak up. This is an important decision and involves a great financial responsibility on your part. Make sure you are getting what you need.- Be patient and give the appearance that you would be willing to walk away. Be prepared for this process to take some time. Do not show your desperation, no matter how much you love the property.- Become a good and prepared listener. Make sure you know the property before entering the negotiations. Listening to what is being said is much more effective if you have prepared yourself prior to entering the negotiations.
The negotiations can be a time consuming and sometimes frustrating process. Remember to take the time to think rationally. Time is on your side and chances are the seller is just as eager to sell as you are to buy.
Please do not hesitate to contact us or visit our websites!!
http://robsellscharlottesville.com/
http://www.theaverygroup.com/
Important Buyer Information
Still searching for the right listing? If you are unable to find your ‘perfect’ home, don’t hesitate to contact us! Let us know if you require any assistance or information on any of the listings sent via our site. Our goal is to make your purchasing decision as smooth and stress free as possible.
Are you undecided on the right home for you? Before purchasing a home, you need to determine whether the home you have decided on is the right home for you. We are here to assist you with this decision, however there are a few items to consider beforehand:
How Long are you Planning on Living in the Home? In order to cover your selling costs and recover the cost of your home, you should plan on staying in your new home for an average of 3 to 4 years. Depending on economic factors, this time can either be lengthened or shortened.
How Long will the Home Meet Your Needs? Make sure that your home will meet your space requirements both now and in the future, depending on how long you plan to live there. Can the den be converted to a bedroom? Will the spare room be appropriate for a dining room? Renovating your home may accommodate your expanding or shrinking family.
Is the House the Right Price? Determine whether the home is a good fit for your financial situation. Many financial institutions will pre-qualify you for a mortgage even before you begin your home search. This will help to determine what price range you can afford. In addition, try the Mortgage Calculator available on our website to help you determine the right price.
What is the Physical Condition of the House?Always keep in mind that your house will require repairs. If these costs are of concern, make sure to choose a home that will reflect your renovation budget. As well, home inspections are very important in order to help reduce such unexpected costs.
Are you thinking about that perfect house and wondering what it will take to make it your own? When you decide that it is time to start the negotiation process there are a few key rules to keep in mind:
- Be assertive and aggressive. Question what you are told. If you do not agree with what is being said, speak up. This is an important decision and involves a great financial responsibility on your part. Make sure you are getting what you need.- Be patient and give the appearance that you would be willing to walk away. Be prepared for this process to take some time. Do not show your desperation, no matter how much you love the property.- Become a good and prepared listener. Make sure you know the property before entering the negotiations. Listening to what is being said is much more effective if you have prepared yourself prior to entering the negotiations.
The negotiations can be a time consuming and sometimes frustrating process. Remember to take the time to think rationally. Time is on your side and chances are the seller is just as eager to sell as you are to buy.
Please do not hesitate to contact us or visit our websites!!
http://robsellscharlottesville.com/
http://www.theaverygroup.com/
Are you undecided on the right home for you? Before purchasing a home, you need to determine whether the home you have decided on is the right home for you. We are here to assist you with this decision, however there are a few items to consider beforehand:
How Long are you Planning on Living in the Home? In order to cover your selling costs and recover the cost of your home, you should plan on staying in your new home for an average of 3 to 4 years. Depending on economic factors, this time can either be lengthened or shortened.
How Long will the Home Meet Your Needs? Make sure that your home will meet your space requirements both now and in the future, depending on how long you plan to live there. Can the den be converted to a bedroom? Will the spare room be appropriate for a dining room? Renovating your home may accommodate your expanding or shrinking family.
Is the House the Right Price? Determine whether the home is a good fit for your financial situation. Many financial institutions will pre-qualify you for a mortgage even before you begin your home search. This will help to determine what price range you can afford. In addition, try the Mortgage Calculator available on our website to help you determine the right price.
What is the Physical Condition of the House?Always keep in mind that your house will require repairs. If these costs are of concern, make sure to choose a home that will reflect your renovation budget. As well, home inspections are very important in order to help reduce such unexpected costs.
Are you thinking about that perfect house and wondering what it will take to make it your own? When you decide that it is time to start the negotiation process there are a few key rules to keep in mind:
- Be assertive and aggressive. Question what you are told. If you do not agree with what is being said, speak up. This is an important decision and involves a great financial responsibility on your part. Make sure you are getting what you need.- Be patient and give the appearance that you would be willing to walk away. Be prepared for this process to take some time. Do not show your desperation, no matter how much you love the property.- Become a good and prepared listener. Make sure you know the property before entering the negotiations. Listening to what is being said is much more effective if you have prepared yourself prior to entering the negotiations.
The negotiations can be a time consuming and sometimes frustrating process. Remember to take the time to think rationally. Time is on your side and chances are the seller is just as eager to sell as you are to buy.
Please do not hesitate to contact us or visit our websites!!
http://robsellscharlottesville.com/
http://www.theaverygroup.com/
Wednesday, September 26, 2007
Avoid The Most Common Buyer Errors
Shopping for a new home is an emotional experience. It’s also time consuming and comes with a myriad of details. Some buyers, however, caught up in the excitement of buying a new home tend to overlook some items. Their home purchase turns into an expensive process. These errors generally fall into three areas:
- Paying too much
- Losing a dream home to another buyer
- Buying the wrong home
When you have a systematic plan before you shop, you’ll be sure to avoid these costly errors. Here are some tips on making the most of your home purchase:
Bidding without sufficient information
What price do you offer a seller? Is the seller’s asking price too high? Is it a deal? Without research on the market and comparable homes, you could lose thousands of dollars. Before you make that offer, be sure you have researched the market. A professional realtor, can offer an unbiased opinion on the value of a home, based on market conditions, condition of the home and neighborhood. Without knowledge of the market, your offer could be too much. Or worse, you could miss out on a great buying opportunity.
Buying a mis-matched home
What do you need and want in a home? Sounds simple. Yet, clearly identifying your needs and bringing an objective view to home shopping, leaves you in a better position. Sometimes, home buyers buy a home that is too large or too small. Perhaps they didn’t consider the drive to work, the distance to school, or the many repair jobs waiting for completion. Plan ahead. Use your needs list as a guideline for every home you view.
Unclear title
Before you sign any document, be sure the property you are considering is free of all encumbrances. As part of their services, a realtor can supply you with a copy of the title to ensure there are no liens, debts, undisclosed owners, leases or easements.
Outdated survey
Before the purchase is completed, an updated survey is essential. This report will indicate boundaries and structural changes (additions to the house, a new swimming pool, neighbor’s new fence which is extending a boundary line, etc.).
Unexpected repairs
For $300 - $500 a professional inspector will conduct a thorough inspection of the home. This way, you’ll have an idea of the cost of future repairs. Make the final contract subject to a favourable report.
Shopping without pre-approval
It only takes a few days to get financing pre-approval. When you are shopping for a home, this gives you more power. A seller is more likely to consider an offer from a serious buyer.
Remember additional cost
Besides the funds for the purchase of a home, you’ll need funds for items such as loan fees, insurance, legal fees, surveys, inspections, etc.
Rushing the closing
Before you sign, ensure that all documentation clearly reflects your understanding and conditions of the transaction. Has anything been forgotten? Don’t rush. You could lose money, financing or even the sale.
http://www.robsellscharlottesville.com/
Avoid The Most Common Buyer Errors
Shopping for a new home is an emotional experience. It’s also time consuming and comes with a myriad of details. Some buyers, however, caught up in the excitement of buying a new home tend to overlook some items. Their home purchase turns into an expensive process. These errors generally fall into three areas:
- Paying too much
- Losing a dream home to another buyer
- Buying the wrong home
When you have a systematic plan before you shop, you’ll be sure to avoid these costly errors. Here are some tips on making the most of your home purchase:
Bidding without sufficient information
What price do you offer a seller? Is the seller’s asking price too high? Is it a deal? Without research on the market and comparable homes, you could lose thousands of dollars. Before you make that offer, be sure you have researched the market. A professional realtor, can offer an unbiased opinion on the value of a home, based on market conditions, condition of the home and neighborhood. Without knowledge of the market, your offer could be too much. Or worse, you could miss out on a great buying opportunity.
Buying a mis-matched home
What do you need and want in a home? Sounds simple. Yet, clearly identifying your needs and bringing an objective view to home shopping, leaves you in a better position. Sometimes, home buyers buy a home that is too large or too small. Perhaps they didn’t consider the drive to work, the distance to school, or the many repair jobs waiting for completion. Plan ahead. Use your needs list as a guideline for every home you view.
Unclear title
Before you sign any document, be sure the property you are considering is free of all encumbrances. As part of their services, a realtor can supply you with a copy of the title to ensure there are no liens, debts, undisclosed owners, leases or easements.
Outdated survey
Before the purchase is completed, an updated survey is essential. This report will indicate boundaries and structural changes (additions to the house, a new swimming pool, neighbor’s new fence which is extending a boundary line, etc.).
Unexpected repairs
For $300 - $500 a professional inspector will conduct a thorough inspection of the home. This way, you’ll have an idea of the cost of future repairs. Make the final contract subject to a favourable report.
Shopping without pre-approval
It only takes a few days to get financing pre-approval. When you are shopping for a home, this gives you more power. A seller is more likely to consider an offer from a serious buyer.
Remember additional cost
Besides the funds for the purchase of a home, you’ll need funds for items such as loan fees, insurance, legal fees, surveys, inspections, etc.
Rushing the closing
Before you sign, ensure that all documentation clearly reflects your understanding and conditions of the transaction. Has anything been forgotten? Don’t rush. You could lose money, financing or even the sale.
http://www.robsellscharlottesville.com/
Wednesday, September 19, 2007
Foreclosure Prevention Summit Coming September 25th
The Virginia Association of Housing Counselors is holding a Foreclosure Prevention Summit on Tuesday, September 25th at the Charlottesville DoubleTree, 10 am to 4 pm. Anyone involved in housing in any way is encouraged to participate. Attendees will learn about community resources for borrowers facing foreclosure and will be able to explore concerns with mortgage servicers who are familiar with the issue, including foreclosure rescue scams. There will also be an open discussion of the status of default and foreclosure in Virginia and what can be done to combat the problem.
If you are interested in attending the summit, please call Paula Sherman at 804-354-0641 by September 18th. Cost is $10 for VAHC members, $25 for non-members.
http://www.robsellscharlottesville.com
http://www.forestlakesliving.com
If you are interested in attending the summit, please call Paula Sherman at 804-354-0641 by September 18th. Cost is $10 for VAHC members, $25 for non-members.
http://www.robsellscharlottesville.com
http://www.forestlakesliving.com
Foreclosure Prevention Summit Coming September 25th
The Virginia Association of Housing Counselors is holding a Foreclosure Prevention Summit on Tuesday, September 25th at the Charlottesville DoubleTree, 10 am to 4 pm. Anyone involved in housing in any way is encouraged to participate. Attendees will learn about community resources for borrowers facing foreclosure and will be able to explore concerns with mortgage servicers who are familiar with the issue, including foreclosure rescue scams. There will also be an open discussion of the status of default and foreclosure in Virginia and what can be done to combat the problem.
If you are interested in attending the summit, please call Paula Sherman at 804-354-0641 by September 18th. Cost is $10 for VAHC members, $25 for non-members.
http://www.robsellscharlottesville.com
http://www.forestlakesliving.com
If you are interested in attending the summit, please call Paula Sherman at 804-354-0641 by September 18th. Cost is $10 for VAHC members, $25 for non-members.
http://www.robsellscharlottesville.com
http://www.forestlakesliving.com
Wednesday, September 12, 2007
Monday Night Football Party!!!!
Monday Night Football Party!!!
Monday Night Football Party Every Monday Night at Rivals Sports Bar and Grill on Rio Road. Kick-off is at 8:30 PM!! Click the Link for more Information!!
BlogCatalog
http://www.robsellscharlottesville.com
Monday Night Football Party Every Monday Night at Rivals Sports Bar and Grill on Rio Road. Kick-off is at 8:30 PM!! Click the Link for more Information!!
BlogCatalog
http://www.robsellscharlottesville.com
Monday Night Football Party!!!!
Monday Night Football Party!!!
Monday Night Football Party Every Monday Night at Rivals Sports Bar and Grill on Rio Road. Kick-off is at 8:30 PM!! Click the Link for more Information!!
BlogCatalog
http://www.robsellscharlottesville.com
Monday Night Football Party Every Monday Night at Rivals Sports Bar and Grill on Rio Road. Kick-off is at 8:30 PM!! Click the Link for more Information!!
BlogCatalog
http://www.robsellscharlottesville.com
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